GENERAL INSURANCE BLOG

Two-wheelers come as saviors at a time when Indian roads are bustling with traffic. It is particularly annoying when you are going out for a ride. If you are alone, then rides are best experienced when you are on a two-wheeler.

The thrill is worth mentioning. You let the wind graze past your face and the sound of the engine, adding to the overall aesthetics of the right. There is so much for the eyes to see, for the senses to behold.

Here, we present to you some of the best two-wheelers that you can buy for Indian roads.

1. Hero Splendor

The Hero Splendor is a classic and still manages to retain the design and durability of the classic Splendors, which means that you can trust this bike to be your companion for a long, long time. Currently, it rules the two-wheeler segment by a record number of sales. In June alone, the model sold 2,23,532 units, which is the reason why it makes to the top of our list.

2. Honda Activa

The Honda Activa is India’s favorite scooty and can be trusted on Indian roads with a decent pickup and mileage. It is known for its sleek design and durable engine. It recorded a sale of 2,10,961 units in June, which makes it the second favorite purchase. It is a decent option if you a frequent rider in city traffic.

3. Hero HF Deluxe

Another low-range Hero bike, this model falls to the third spot with a sale of 1,93,194 units. With an on-road price of a little above Rs 50,000, this bike is indeed one of the favorites when it comes to the two-wheeler segment. It has a 100cc engine, which means that it can ensure decent performance besides providing high mileage.

4. Honda CB Shine

This Honda model has been a favorite for a long time. It has dispatched 84,871 units in the month of June. Honda engines are known for their efficiency and long-run performance. If you are looking for a bike that promises a decent pickup with good mileage, then you should certainly explore this option.

5. Bajaj Pulsar

The Bajaj Pulsar models grab the fifth spot with a sale of 83,008 units. With a variety of models in the range, the Pulsar series has been a favorite for long, as they promise high engine performance, sleek design, and mileage which is decent for the Indian roads. These features make the Bajaj Pulsar a favorite among Indian customers.

Once you have purchased one of these bikes, it is crucial to buy two wheeler insurance for them. Magma HDI two-wheeler insurance offers features such as additional cover with the support for anti-theft devices. If you are looking for affordable, long-term two-wheeler insurance, then Magma HDI Two-Wheeler Insurance Online could come to your aid.

The onset of modern life has lead to various dietary and lifestyle changes. In an effort to keep up with your health and deal effectively with any health issue, it is essential to get hold of a health insurance which provides 360-degree all-round protection.

Having a good health insurance makes sure that you can keep on with your life without having to worry too much about medical expenses that come with various diseases and ailments.

However, with so many options around us, it might get a tad bit confusing to choose the option which fits our health needs the best while being easy on the pocket at the same time.

Choosing a health insurance

Since the onset of the internet has made everything online, it has become much easier to find the Best Health Insurance Policy In India. Good health insurance providers provide a host of benefits and access to several medical care products. They also have a reasonable premium rate so that you do not have to worry too much about shelling out a lot of money from your pocket.

When you choose health insurance online, make sure that you have read the policy documents carefully so that you are aware of where your money is going and what benefits you are getting for that price.

Magma HDI health insurance

One of the names that come up while looking for the best health insurance policy is Magma HDI health insurance. With Magma HDI health insurance, you do not have to go through the physical and mental toll and worry about your financial loss.

Magma HDI offers several health insurance features such as optional cover to reduce your premium, 2x7 claim assistance, optional cover for critical illness and accidents, and cashless hospitalisation across more than 4,100 hospitals. It also has a range of insurance plans to choose from, so you do not have to compromise on your needs.

Magma HDI health insurance also comes with notable key benefits such as maternity cover, cumulative bonus, loss of income cover, and worldwide emergency cover, among others. With such benefits, it makes for an ideal purchase so that you can have 360-degree protection for your health.

The entire process of purchasing a Magma HDI health insurance is quite easy and can be done in a few simple and easy steps. All you have to do is choose the type of cover you want, review the polices to make sure that it is up to your expectations, add any other benefits if needed, and make the payment to activate the policy.

If you are looking for health insurance policy in India, then Magma HDI could surely be an option, as it also offers a secure and hassle-free claim service, which keeps your interest and comfort in mind.

It is not surprising that many people have a dream to own their dream house where they want to build their world. People work hard day and night, sleepless, work more, eat less, and run more to be able to get an independent roof over their heads. They give their best to meet both ends. There have been instances where whole life is spent working hard to get an independent roof overhead.

The idea of making any blunders while buying a new house can turn out to be a dangerous nightmare for many. Firstly, sacrificing a lot to get home and then disturbing mental peace is not at all a good idea. So, there are a few things that an individual must keep in mind while buying a new house. And hopefully, some agencies and organizations help you choose better. Here are five things that every individual must keep in mind while buying a new house.

• Location of the property and your requirements: Choosing the right house is essential, but choosing the right neighbourhood is way more important than any other deals. The location of your house and the accessibility to nearby services is a very crucial concern. Though all services may not be available nearby, some critical requirements like hospitals, medical stores, and grocery stores need to be in the locality for any emergency conditions.
• Identifying the dealer and necessary certificates regarding the property: It is essential to identify the dealer or builder from whom you buy the property. Many sweet-sounding offers by dealers may turn out to be mental peace destroyers later own. Identifying the right dealer, preferably a certified and reputed one. Crosschecking all the certificates regarding the property, including any due taxes or payments to be made. Clear land statement papers and ownership papers must be checked and signed after going through them thoroughly. All registration documents must be verified, and all the adequate stamping and payment of registration charges for sales deed and must be made at the registrar’s office.
• Most important, house insurance : The insurance covers losses or damages to an individual’s residence along with any furnishings or assets in the home. Any injuries while being on the property at the time of the accident are also covered. HOUSE INSURANCE IN INDIA can be taken by anyone buying a new house. But this insurance must not be mistaken with any home warranty or mortgage.
• Most important, house insurance : The insurance covers losses or damages to an individual’s residence along with any furnishings or assets in the home. Any injuries while being on the property at the time of the accident are also covered. House insurance in India can be taken by anyone buying a new house. But this insurance must not be mistaken with any home warranty or mortgage.
• The age, style, and condition of the house : The required style and age of the house must be checked, and it must be made sure that the interior and exterior of the house is according to your requirements. Age of the is another factor that must be kept in mind; otherwise, the need for insurance coverage can come at any point in time.
• Property on dispute free land : It is essential to buy a house that is built over a dispute free land. Whether it is flat in some apartment or a duplex or a villa, it is advisable not to buy any property built over the disputed land.

There many excellent insurance companies that are offering house insurance in India that helps in ensuring coverage of the losses made to any assets and liability coverage against any accidents in the house.

Cars besides being a mode of transportation have been also a passion for many. For some driving a car simply to get somewhere is not the sole goal. People also love cars for the speed and the thrill that they offer, they love the feeling of whizzing past other cars. That’s why many people love sports cars.

Sports Cars are built primarily to offer people the possibility of driving at extreme speeds and are built in a way that they don’t wear out easily. But for the sake of safety, make sure you subscribe to a comprehensive car insurance. You can now easily check mcar insurance prices in india online and get a new policy within a few minutes. If you have a thing for speed and love the excitement that comes with driving fast, here are the top 5 sports cars you could choose from: -

• BMW M3: The car was initially introduced in 1986 to serve as a race car for the road and has become increasingly popular over the years. Now, the 2018 model offers features such as a 3L turbocharged incline-six-cylinder engine that is capable of producing 425 HP, adaptive suspension, dual-zone climate control and much more.
• Nissan 370Z:The car is equipped with a 3.7L V6 engine capable of producing 350 HP, a front-engine, fastback-coupe style, sport suspensionrear-wheel-drive and was first introduced in the year 2009. The 2019 model has added benefits such as a rear-view camera, cruise control, automatic climate control etc along with a sleek and stylish appearance which has made this car extremely popular.
• Mazda MX-5 Miata: It is not a four-seater but a two-seater sports car and, unlike many others, does not offer a lot of power. It comes with a 2L four-cylinder engine that can produce around 181 HP. The seats are quite comfortable, and the car is surprisingly quite spacious for its size. If you are someone that loves to let the top down and enjoy the view as you drive, it is an excellent option.
• Chevrolet Corvette: The car was initially brought into the market in 1953 and had fast become a favourite, owing to its stylish look and the many features. Now, the 2018 Corvette comes with a 6.2l V8 engine, which can produce up to 455 horsepower. Besides this, it also sports adaptive dampers and an uprated suspension, which makes it much easier to handle corners, keyless entry as well as ignition, automatic dual-zone climate control and a very comfortable interior.
• Ford Mustang: Another classic, the 2019 version of the Ford Mustang, comes with 2 engines: a 2.3L four-cylinder engine that can produce 310 HP and a 5l V8 engine capable of producing 460 HP. Additional features include 83 cubic feet of passenger and 13 cubic feet of luggage volume, highly comfortable seats and a spacious interior. The car not only offers you speed but also a very smooth ride.

No matter how much you want to love speed and the thrill that comes with it, it is equally important to pay attention to safety measures and to not do anything reckless, especially when on the road. Also, sports cars are extremely expensive, and so it becomes even more important to take care of them. The best way to do so is to get car insurance,  but do remember to checkthe latest car insurance prices in India before you pick one.

Getting older could be a little scary. You begin to worry about your physical health, your finances, along with many other things, but it shouldn’t have to be. When it comes to both your health and your finances, you need to start preparing from today itself, if you haven’t begun already. Life is unpredictable and it always comes in handy to be prepared. So, when it comes to your health, you need to keep getting regular check-ups so that you can know about any possible problems on time and should also have a comprehensive health insurance policy for a family in case of any unforeseen incident.

Here are some medical tests you should be doing in your early 30s: -

• Cholesterol Profile: It is your liver that produces cholesterol in your body; however, you take in cholesterol from certain types of food, and an excessive amount of it in your body can lead to problems in blood flow since it can harden in the walls of your arteries (atherosclerosis). Since high levels of cholesterol show no symptoms until the later stages of atherosclerosis, it can become difficult to detect it at an early stage unless you get regular health check-ups. While a cholesterol profile can be part of a routine check-up, it is advisable to get it done more frequently if your family has a history of heart disease, obesity etc. Your blood is drawn out for the test.
• Eye Tests: While this may seem obvious, many people tend to ignore their eyes until the last moment, when the problem escalates. Your eyes are so important, and it is necessary to have your eyesight checked every couple of months. If you experience issues with your vision or any discomfort, immediately go to an optician. Getting your eyes checked regularly could also help detect cataracts at an early stage.
• Blood Sugar Test: Done mainly to diagnose diabetes, a blood sugar test measures the amount of sugar or glucose present in your blood. You might need to get frequent blood sugar tests if your family has a history of diabetes. A blood sugar test can help determine the level of sugar in your blood, and whether you need to bring changes in your diet or exercise. In case you have diabetes, it can also help figure out whether your medications are working or not.
• Urine Analysis: This test is done to find out if you have any kidney-related issues or urinary tract infections. While this is generally a part of a health check-up, if you experience frequent urination, have abdominal or back pains etc., it is advisable to get the test done. All you need to do as part of the urine analysis is to provide a urine sample.
• Thyroid Function Test: It is a blood test done to determine whether your thyroid gland is functioning properly, i.e., whether it is producing the right quantities of triiodothyronine and thyroxine. Depending on whether it produces less or more of these two, you could suffer from hypothyroidism or hyperthyroidism. If your family has a history of thyroid issues, it is best to get checked regularly since thyroid problems could cause major changes in your body.

There are many more tests you should have done in your early 30s to avoid any complications later in life. Again, it never hurts to be fully prepared, especially when it comes to your health. Along with regular check-ups, make sure to have a valid health insurance policy health insurance policy for the family.

Everyone dreams of purchasing a car in life. Reasons can be numerous; after all, having your car has several benefits. You can visit any place at any time at your convenience. You will no longer feel constrained in your life; cars have made the world a smaller place. That's not all, as owning a car is a status symbol too. People feel more secure and enjoy more private trips in their car.

But owning a car makes you liable to all the extra liabilities that come with it. Your car may get severely damaged in an accident; theft is always a threat; moreover, if you own a car you are also liable to damages caused to it by pedestrians and property. Hence it is important that you have car insurance that covers all these liabilities. You can buy car insurance online within a few minutes. It will make you feel more secure in case of any mishap. But will making modifications in your car affect your car insurance in any way?

More or less, every modification will affect your insurance, increasing the insurance premiums. When arriving at the new quotation insurance companies generally look at two factors risk of theft and risk of an accident. If you have an entirely cosmetic modification, it will increase the value of the car hence increasing its risk of theft. If you are making modifications that affect the performance of the car, it will increase the risk of an accident. These modifications severely affect your car insurance:-

• Engine modification- Engine modifications tend to increase performance and acceleration of the car. This tends to increase the risk of an accident.
• Brakes and Suspension - Overall, control of the car lies in the breaks. Modifying brakes or suspension will affect the overall performance of the car.
• Car Interior - Modifying the car interior is purely a cosmetic change to the car. It would not affect performance. However, it will increase the value of the car and will increase the risk of theft.
• Paint Job - Getting a paint job on your car may end up completely changing how your car looks. Getting decals and vinyl on the car will also change the look of the car. This may make the car more desirable, increasing the risk of theft.
• Rim Job and Wheel Modifications - Mostly wheel modifications and rim jobs are cosmetic effects and do not have severe effects on the performance. Some modifications might change road performance too.
• Change in the Engine - Engine is the heart of the car and a major aspect in calculating the car insurance premium. Getting engine changed can have a severe effect on your premium.

It is important to notify your insurance company whenever any modification or alteration has been made. Not notifying your insurance company may revoke your insurance policy and any coverage will be declared void. Modifying a car generally increases its value. This makes car insurance even more important as you stand to lose more in case of any unforeseen event. If you do not yet have one, you can buy car insurance online. Living in constant worry of losing your car is not worth it. Getting your car insured with a comprehensive policy is a step forward towards a worry-free future.

While driving a car is a pleasure, a misfortunate incident can spoil everything. A tree falling over your car, water entering mechanical parts during rains and floods, road accidents, etc. are all incidents that do not come with any prior warning. Accidents happen in our daily life, and when a car is involved, it becomes a very costly affair. This is one of the reasons to have the best personal accident insurance policy in india.

Car insurance ensures that during any unfortunate accident, you will be able to ride the difficult waves created in your life with ease. Insurance policies usually cover damage to cars, pedestrians, and property. To claim car insurance after an accident, there are some dos and don'ts that you must keep in mind: -

Do's: -

• The insurance company must be immediately notified when the accident occurs. They must be provided with a general description of how things happened, damage to the car, and surroundings.
• File an FIR. Without an FIR, you cannot raise a claim. The police must be intimated about the accident and the FIR copy must be obtained.
• Taking photos of the scene can help further your cause and can later be submitted as valid proof for claim settlement.
• Make a note of any witnesses near the accident scene. Ask them for their contact details along with their address. The witnesses can help in the future in shedding light on the occurrence.
• To raise the claim with insurer proper documents, need to be submitted to them. Documents include a soft copy of - the FIR, claim form duly filled and signed by yourself, your insurance policy, car registration certificate, driving license, receipt of other expenses incurred, and medical receipt in case of injuries.
• Contact a lawyer if you can, as they can provide legal advice over the entire matter and help you get the appropriate claim amount.

Don'ts: -

• Do not hide facts from your insurer. You must notify them of the entire events to the best of your knowledge. If the surveyor finds discrepancies in your claim, entire coverage might be deemed void.
• Don't move away from the accident scene. Doing so without the insurer's permission can delay the claim process. Some insurers even provide tow and pickup services. Repair work must not be done without the approval of the insurer,
• Do not settle for third party settlements to avoid FIR. Without FIR, you cannot raise a claim with your insurance company.
• Don't sign settlement papers without legal counsel. If you believe the settlement provided is not enough, you can raise the issue with your insurer to obtain a better settlement.

Car accidents are sorrowful events that often lead to major damage and trauma, in worst cases, death. It is necessary to follow good traffic etiquette and rules. Car accidents can often leave a permanent mark on you. The financial burden after the accident is too much to bear for a single person. It is of utmost importance to have the best personal accident insurance policy in India. Having the best personal accident insurance policy in India will ensure that in the perilous time after the accident, you would not be financially burdened. It will provide you with financial security in what might be one of the difficult times in your life. Drive safely.

As the new year rolls in, it is time to begin setting down goals for the year, or New Year’s resolutions as we call them. It is at the beginning of the year that you make sure to stick to your goals and try to make positive changes in your life. Whether it is waking up early, travelling to someplace new, meeting new people or keeping away from technology, most of these goals become close to non-existent as January comes to an end.

However, of the most common goals for the New Year, is to become fit and healthy, shouldn’t cease to become important but must be maintained throughout the year and beyond, to have a long and healthy life. So this is what your fitness goals for 2020 should look like: -

Even though you probably hear everyone say this all the time, one of the most crucial practices which you must adopt immediately is drinking a lot of water. Water is, without a doubt, responsible for most bodily functions. In order to remain healthy, it is necessary to consume a considerable amount of water every day. Dehydration can cause serious urinary infections or kidney stones.

• Exercise regularly but in moderation. Do not overdo it the first time you begin a workout. Start slow and ease into a harder regimen. If you begin with rigorous exercise, you can severely injure yourself. Also, make sure to do it the proper way as exercising the wrong way could cause a lot of damage. For instance, if you use weights, lift with your legs and not your back, or you could end up dislocating your disks or worse.
• If you aren’t one for high-intensity workouts or weight training, a great way to get some exercise is by doing yoga. Not only does it allow you to stretch and work your body, but it is also a great way to learn how to concentrate better. It is an excellent way to relax your mind and be at peace. Yoga is great for both the body and mind.
• While you must ensure your body gets regular exercise and movement, it isn’t enough. You must maintain a proper diet and eat different kinds of food for a regular intake of all the necessary nutrients. Do not neglect any food category, and to make sure that you consume foods specific to your body’s needs, you could consult with a nutritionist. Make it a habit to eat the right quantities at the right time and avoid snacking on junk food at odd hours of the day.
• As a human, your body is prone to illnesses and injuries and thus, it is crucial to have health insurance. There are many different kinds in the market, and it is your responsibility to choose the best health insurance policy in India, to avoid any hassles when you need any kind of relief.

We only have one body, and we must take really good care of it. Whether it is eating nutritious food, exercising regularly and correctly, sleeping on time or finding a company that offers the best health insurance policy in India, how you choose to remain fit and take care of your health is up to you.