GENERAL INSURANCE BLOG

Have you ever taken a long bus journey and gotten bored? Long bus journeys may sound exciting but are extremely challenging as you need to sit in the same position for many hours, causing boredom and fatigue. Hence, you should be prepared to make your journey comfortable and enjoyable in every possible way. If you're looking for tips to do that, this is an article for you.

*Pro-tip
Looking for good general insurance plans to improve your traveling experience and safer than usual should always be a priority. It will also keep everything in check and provide seamless benefits to protect your belongings while travelling.

A few tips to make the bus journey more enjoyable and less troublesome are as follows:

1. Opt for a night bus:
A night journey is far more comfortable than a morning one. Bus journeys at night are better due to less traffic and noise, and most importantly you save one whole day.

2. Choose comfort:
Make sure you wear comfortable clothes that are easy to move around in. If it is summer, opt for cotton clothes. During winter, make sure to wear enough warm clothing to keep yourself protected. If you're travelling in an air-conditioned bus, ensure you have blankets or shawls ready in your bag.

3. Keep things handy:
Some essentials like medicines, water, tissues, neck pillows, and socks, among others, should always be accessible to you. Quick munchies or snacks like biscuits, chocolates, dry fruits, etc., can be a great relief to withstand hunger during long bus journeys.

4. Keep an eye on your belongings:
It is extremely important to keep a good eye on everything you carry. Make sure that all your cash is not stored in the same place. Do not keep your handbag away from your eyesight.

5. Entertainment to pass the time:
Long bus journeys can take a big toll on your mood and mental peace, and only keeping yourself entertained and engaged can be the best resort. You should have all the entertainment devices packed beforehand. If you're into reading, carry your favourite book with you. You may also plug in your headphones, get lost in the musical nirvana, and feel every beat excites you as the bus moves.

6. Keep your composure:
Many things at play in a long bus ride can disrupt your peace. For instance, a crying baby, loud music, people, etc. The frustration of a tiring journey can outburst if you feel irritated by these disturbing noise sources. You need to find ways to remain calm and sane.

7. Stay hydrated:
It is essential to keep yourself hydrated throughout the long bus journey. Do not consume a lot of caffeinated drinks, as it can lead to discomfort later. Drinking enough water will help you stay fresh and energetic.

8. Book a sleeper coach bus if possible:
It is preferable to book a sleeper coach bus rather than a seater or semi-sleeper. Sleeper seats are convenient for passengers to travel with comfort and put less stress on their bodies. You can enjoy your small private cabin space in a sleeper bus and feel at home, especially when covering longer distances.

Although a bus journey can be very difficult to sit through, with proper planning, you can make things fall in your favour and, indeed, have a pleasant journey. The roads to beautiful destinations like mountains or countryside, among others, are magnificent in every possible way.

Sitting for long hours can develop boredom, health issues, and fatigue, but with the above tips, you can overcome all the stress and stay enthusiastic until you reach your destination. In all the hassle, it is crucial to prioritise your safety while travelling. As discussed earlier, purchase a good travel insurance by looking for general insurance plans to safeguard you and your belongings during the journey.

Click HERE to look for the best 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.

Having your vehicle is the best way to reach your destination, commute to work, or go on a trip, but sometimes the road traffic conditions become unfavourable. These situations arise for various reasons, such as traffic jams, accidents, faulty traffic signals, etc., and it's impossible to dodge such traffic woes.

But, as a result, some intolerant drivers display aggressive behaviour on the road and risk the safety of pedestrians and fellow drivers. Road rage is a common incident experienced daily, which is a serious issue to resolve.

Road rage can pose a threat to you, and you must follow various prevention tips to avoid it and drive safely. Also, you can save yourself from car damage costs by insuring your vehicle with the best motor insurance company in India.

Here are some of the best ways to avoid road rage and drive your vehicle peacefully and efficiently.

1. Follow road safety rules:
One of the main reasons for road rage is that people ignore road rules and regulations. Jumping signals, avoiding indicators while driving, or wrong-side driving can result in vehicle collisions. It also increases the chances of road arguments, fights, and sometimes worsening situations.
However, you must remember that you are not the only one driving on the road. When you take charge of the steering, you become responsible for your co-passengers and fellow drivers' safety. Even if another negligent vehicle is coming your way, you must let them go. Avoid trying to overtake them by keeping your ego aside and maintaining your cool.

2. Stay calm while driving:
Some drivers become aggressive while driving, leading to road rage and chaos. So, you need to know how to remain calm in such situations. If you stay composed and focused, it also helps to reduce panic and accidents. If you get trapped in a tricky situation, try not to get stressed or hyper. Refrain from getting into arguments with other drivers. Instead, try to handle the situation peacefully.

3. Maintain a safe distance from fellow drivers:
You must know the correct distance between your vehicle and others. Sometimes people ignore the safe distance and drive very close to other cars. When the vehicle in the front applies sudden brakes, and you do not maintain a safe distance, it will cause you to collide with them.

4. Manage your time:
You must know the importance of your time and manage it wisely to avoid the last-minute hassle. If you leave your home late to go to the office or anywhere, you will be in a hurry and drive very fast. Over-speeding and rash driving are leading causes of accidents and road rage. So, it would be best if you moved early to your destination to avoid the rush.

5. Ignore the person who tries to fight:
Some people on the road are short-tempered and always try to argue with other drivers. If you come across such a person, avoid road rage by ignoring him. Stay calm, have a smile on your face, do not get out of your car to settle the matter, and try to resolve your issue with apologies and move on.

6. Get your insurance:
It is mandatory to have motor insurance for every vehicle owner in India. It will protect you from car damage, mishaps, and undesirable situations. If you do not have a car insurance policy, you must buy one from the best motor insurance company in India.

Everyone wants to drive safely, but sometimes people misunderstand the right way of driving and engage in road rage. You must follow the tips mentioned above to avoid such situations and travel to your destination without chaos. Also, educate others with these tips to minimise the rising cases of road rages in India. Lastly, ensure that you purchase reliable insurance coverage for your vehicle from a trusted motor insurance company in India.

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

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

People from all walks of life have resumed their travel adventures after the stressful time of the covid era. They are back on the roads, taking long flights, camping, or extended stays at popular destinations to enjoy their holidays. For some avid travellers, travelling is not just a hobby but a way of life. It is the oxygen that lets them stay alive.

However, planning a vacation seems like a challenge knowing the changed interests of the travellers. There's much to be done, from booking flights to finding the perfect hotel room. Many people make wrong decisions while planning their vacation and regret it later.

One of the key features of a good vacation comes with a good hotel room. Your accommodation matters a lot. This is where you will relax and stay put after a long day of travel. You should make sure it is top-notch and fulfils all the criteria. If you're also struggling with finding the best hotel room for yourself, we have some tips to help you. Regardless, you should always sign up for general insurance if things go wrong during your travel. You should buy general insurance online before starting your vacation.

Here are a few top tips to consider while booking a hotel room.

1. Location:
Location is of prime importance when you book a hotel. You should always check where your hotel is situated. It should always be within walking distance or a 10-min drive from the prime locations of the tourist destinations. This way, you will not need to spend a fortune commuting from one place to another. Your hotel should be in the city centre, easily accessible by all public transportation. Whenever you book a hotel, make sure that you find its exact location. Often hotel booking websites have a brief description of the location. Before booking, you should use online maps to find its appropriate location and distance.

2. Internet access:
You may require a stable internet connection to access maps or book cabs. You will also require the internet if you're working on your vacation. For this reason, you should always check if your hotel has a Wi-Fi connection. And even if it does, it should be available in your hotel room. If Wi-Fi is listed, you should find out if it is free or paid.

3. In-house restaurant:
Most hotels now have an in-house restaurant for all your needs. You should check about the same before booking a hotel room. This way, you don't need to head out whenever you feel hungry. This can make your stay enjoyable. Enquire about it in advance before booking the room.

4. Type of hotel:
Before you book a hotel room, you should always find the type of hotel you are opting for. If you're with a family, you should not go for a budget stay and consider selecting the best one. It should also abide by family policies. If you're travelling with your partner, the hotel should be couple friendly. Check the type of hotel in advance before you book your stay with them. You can also book from different staying options like premium luxury hotels, boutique hotels, homestays, camps, glamping, and more.

5. Room size:
You should have a fair idea about the room size before you book the room. It makes a significant difference, especially when you are travelling with family and staying for a long duration. You should check on the hotel website before booking. You should also look at the bed size and if it abides by the number of travellers.

These are the few tips and tricks that travellers should consider while booking a hotel room. This can help you immensely with a smooth booking experience and a successful journey. Always go online, research multiple properties, their prices and amenities, and reviews, then make a final decision. If you want your vacation to go well, you should buy general insurance online to deal with mishaps later!

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.

Recently, the discussion about money management and growing wealth has taken centre stage. In the background of the pandemic, layoffs were causing concern while freelancing and remote online jobs boomed, providing people of all ages a chance to make money. Despite the opportunities and rising wages for specialised jobs, the risk of recession and inflation is still present.

In such an environment, simply making ends meet is not enough. Individuals need to save and purchase general insurance for future contingencies.
Saving and personal financial management may seem complicated. Still, with some planning and habitual implementation, you can make an emergency fund, plan for your wants and invest without compromising on your present or future aspirations!

1. Make your budget:
Our first tip would be to prepare a budget that makes you aware of your expenses and income. Your budget is a combination of your income and expenses for a period. Ideally, your income should be more than your expenses at all times, and it is recommended to have more than one source of income.
Once you have your budget, do not make excuses for your financial position. Numbers do not lie, and your reasons will not reverse your situation but can help you plan better in the future.

2. Set aside a savings fund:
Consciously putting aside money from your income as savings is difficult as the temptation to splurge on impulse shopping is at its peak when you first get your paycheck. To resist such temptations, set up a separate bank account for savings.
Schedule an automatic transfer from your monthly salary immediately after it gets credited into your account. This way, you don't need to take time and decide to save; it just gets done automatically!

3. Purchase general insurance:
If there's one expense you must undertake at all times, irrespective of your income and expenses, it is general insurance. General insurance covers your property, health, and vehicles against unintended harm caused by many factors.
The lack of a general insurance policy is bound to pinch your wallet as the burden of compensating for the damages ends on your shoulders. Online health insurance, travel insurance, motor insurance, home insurance, and commercial insurance fall under this umbrella. Some of these are tax exempt, which can help you reduce your taxable income and pay reduced taxes.

4. Consciously use a credit card:
A credit card is an excellent monetary tool that gets a lot of flak for being mismanaged by individuals with no financial discipline. Credit cards are instruments that facilitate credit-taking and make it highly accessible, which tempts many people and ends up leaving them in a cycle of debt.
If you lack financial discipline, immediately cancel your credit cards and dispose of them. If you have credit card loans, focus on repaying them as early as possible. Use a credit card to purchase items that you know you can repay within the month.

5. Pay recurring bills on time:
Services billed monthly, like electricity, internet subscriptions, etc., can become a significant expense if not paid before the due date. Often, people forget dues, and these dues snowball into a much more considerable amount than the original sum. If it is an unnecessary expense, consider cutting it out before it piles up. If you need it, try scheduling an automatic payment to prevent paying interest on dues.

Savings and financial planning are not habits that are developed overnight. They require conscious planning and continued discipline to build. However, simple tips like directing your income towards investments, and savings before considering expenses can help inculcate sound financial habits.

Insurance is an all-time favourite tax-saving financial instrument and a beneficial liability to undertake healthy life and manage funds smartly. A wise decision will be to purchase online health insurance or other general insurance plans to make the process less hectic and more rewarding. The more you value your finances, the better your lifestyle will be.

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.

What's better than enjoying a cosy winter afternoon basking in the sun? In India, winters have their charm. However, as the winter season descends, the temperatures can dip low from December to February. This means that you will find it difficult to wander outdoors.

But staying indoors can also become monotonous. It is all the more difficult for the elderly, who find it extremely difficult to step out. The weather is difficult for them, making them prone to various infections and health conditions like arthritis, joint pain, cough problems, and more.

The best solution to deal with it is by staying indoors. It is a month-long lockdown for them. So, how do we keep the seniors entertained and content at home? This article will give you all the answers that you are looking for. We have curated a list of the best indoor activities for the elderly.

While you create an atmosphere with all the indoor activities, you should always have the most affordable health insurance plans to keep you and your family afloat, especially the seniors.

Here's a list of the top indoor activities during winter for seniors.

1. Puzzles:
Puzzles are one of the best indoor games ever invented. They are not only entertaining and enjoyable but also great for the mind. They will help the seniors pass the time and make priceless memories with their families. You can engage them in jigsaw puzzles, crosswords, or sudoku. They are good exercises for the brain. You can also turn it into a family activity for added fun. It will guarantee moments of warmth and togetherness.

2. Knitting or sewing:
Knitting or sewing is an amazing indoor activity during the winter. It is not only productive but also helps in enhancing the motor abilities of the body. It helps in maintaining the hand-eye movements of the elderly. You can encourage them to pursue their hobby of knitting or sewing in their free time. Gift them a sewing kit to get them started, and try to knit with them to make them more valued.

3. Reading:
Reading is the best hobby to practise in old age. It encourages cognitive benefits. Reading diverse literature will also strengthen their knowledge and develop their imagination. What's better than losing yourself in the world of fiction during winter? It is a superb indoor activity for seniors. You can ask them about their genre of choice and help them select a book accordingly. You can also get them to join an online book club to discuss their book every month.

4. Cooking / baking:
Winters are for sweet treats distributed throughout the household. If your seniors are into cooking or baking, they can easily have a great time doing that. Cooking is a fulfilling yet productive activity that can keep one busy all day. The results also give them a sense of worthiness. You can ask your loved ones to treat you with baked goods during this festive season.

5. Painting / craft:
Winters are the best time to explore the Picasso in you. You can gift your elderly art supplies and see them unravel their creative side. You can encourage them to draw, paint, or create whatever they wish. It is a great activity for them to enhance their creativity and imagination.

These are some of the best indoor activities you can do with the seniors in your house. They will thoroughly enjoy doing these while they stay home during the winter. Regardless, you should always look at affordable health insurance plans beforehand for your family members. It is good to always look out for them!

Click HERE to buy 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.

If you are somebody who wants to invest in a scooter or a bike, you should first figure out if you wish to purchase a new or used vehicle. It will help you to narrow your searches by a large margin.

Not just that, buying a used two wheeler will also save you a significant amount of money. If you are a first-time buyer, you may not understand why a used vehicle can be a good option. In this blog, we will discuss a few reasons you should consider buying an old two wheeler rather than a new one.

Meanwhile, whether buying an old or new bike, understand that it is crucial to protect your vehicle with the best two wheeler insurance in India.

1. Getting bikes or scooters at half the price:
One of the main reasons you should select a used vehicle over a new one is the price difference. You will be able to get your favourite bike or scooter for half the price, making it convenient for you to get the best deal.
So, you should make a detailed list to narrow your choices and filter them as per your requirements and budget. Compare the offers of different dealers and pick the one that suits you best.

2. Getting in contact with the best dealers:
When you start looking for used bikes or scooters, get in touch with trustworthy dealers. Since several dealers are selling pre-owned vehicles, reputed dealers are the ones who have a wide range of well-maintained models with competitive prices. You can choose one that will fit your needs the most.
Not only that, but an experienced dealer will also ensure the two wheeler is safe and secure. If you select the best dealer, they will also provide you with other benefits, such as insurance, post-care services, etc. In addition, they will also help you acquire a bank loan for a pre-owned vehicle, if required.

3. Appropriate professional check-ups:
Good dealers have their panel mechanics who ensure that bikes and scooters are safe to drive before they go out on the road. Not just that, but they also examine the two-wheeler for rust and change the parts with new and genuine ones for an improved rider experience.
You may also ask them to look at all these improvements and alter them if needed at the time of buying. In addition to that, they will also assist you in taking the bike or scooter out on a test drive to determine if it is best suited for you.

4. Price negotiation is available:
If you are looking for a two-wheeler within a budget, it is best to opt for a used one since price negotiation is readily available. If you already know everything about the bike you want to buy, you can make an offer based on your budget.
Multiple dealers nowadays provide options to help you acquire the best price for your choice of vehicle. Because of this, it will be easy for you to save a lot of money in a short amount of time.

For novice riders, it is always a good idea to ride used two-wheelers and train themselves professionally before purchasing a new one. Used two-wheelers will give you better opportunities and options to go around and get your favourite bike home at affordable prices.

Whether buying a new or old one, it is important to purchase two wheeler insurance. It is mandatory by law to have insurance to ride legally in India. Buy the best two wheeler insurance in India and promise your two wheeler a reliable safety net.

Click HERE to buy the best two wheeler 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.

Is this your first time owning a bike? If so, you may not know how to detect a dying clutch. A clutch is one of the most crucial parts of a vehicle that connects and disconnects the engine to the transmission system.

It is one of the main working parts that needs your close attention. A malfunctioning clutch may cause serious harm to your vehicle.

Here are a few factors that can help you to detect if the clutch needs an immediate replacement.

1. The bike and the engine start at different speeds:
One of the main aspects that can help you notice a malfunctioning clutch is when your two-wheeler and engine start working at two different speeds. This is known as clutch slippage. You will be able to notice it when you start your vehicle and accelerate, it will run slowly, but the engine will be at high speed.
Since the friction in the clutch gets reduced over time, it becomes more challenging for the disc to hold on to the flywheel and pressure plate. It, in turn, makes it hard for the engine to transfer energy. You should pay attention to this symptom immediately, or it can lead to some major damage to your bike.

2. Reversing the gears becomes challenging:
The second factor that will make it evident for you to notice a dying clutch is when reversing becomes more challenging. In such a situation, you will not be able to get in or out of third gear, making riding comparatively worse for you. Since it only happens when your clutch is dying, it will help you realise that your two-wheeler requires servicing.

3. Clutch pedal makes noise:
When you depress or release the clutch, the clutch pedal starts making noise. You may also feel vibrations on your bike with shifting the gear, which might indicate a worn-out clutch. Not just that, but the clutch also makes a sound when the lubricant that helps it run dries up. Hence, you should get your vehicle checked by a mechanic to get the problem solved.

4. Clutch creates a burning smell:
Another factor that can help you spot the malfunctioning clutch is when it starts giving a burning smell. It happens when the slipping machine causes friction, which increases the temperature gradually.

5. Avoid aggressive downshift and riding on clutch:
Many riders have a strange habit of aggressive downshifting even when it is not needed or can be done better and more smoothly. These sudden and aggressive downshifts put pressure on the clutch system, and it gradually wears out.
Riding for a long time with a half-clutch pressed is not recommended. Use the clutch only at the time of gear shifting and avoid riding with the clutch engaged at all times.

6. Reduced fuel consumption:
Clutch problems significantly impact the mileage of your bike. A worn-out clutch puts pressure on the gearbox, further lowering the engine's performance due to the excess fuel required to generate power. This reduces the mileage of the bike and even impacts the quality of the engine over time.

Do you wish to drive in a way that will help you stay secure? If yes, you should take care of your bike's clutch regularly. One of the best ways you can do this is with the help of mechanics and regular servicing. Another proactive way to ensure your bike's safety is purchasing bike insurance online. Get affordable deals, enhanced coverage, and exciting benefits that make your life less stressful and financially sound.

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.

Diesel and gasoline both cost a lot of money. Each has benefits and drawbacks, and you'll find it challenging to choose the best car variant. If you compared them to one another, you would see that their prices are still very different from those of CNG. The winner is unquestionably CNG (compressed natural gas) every time!

If you drive a lot, CNG is cheaper and better for the environment in the long run. However, it does have an impact on your car insurance premiums. What and why?

Here is what you should know if you ever want to buy a CNG kit for your car. Determine whether owning a CNG kit will affect your premiums directly or indirectly.

Before that, let's discuss its benefits.

1. More efficient mileage:
The mileage of your car will significantly increase after the CNG kit is installed. Less fuel is required for the same distance than petrol and diesel. Additionally, CNG is less expensive than petrol by roughly 50% or more, getting you more saving on fuel.

2. More protection:
Need protection and good value? A safer option than gasoline and diesel is compressed natural gas (CNG). It is a good eco-friendly fuel option due to its low carbon dioxide emissions.

3. Real cost savings:
Although CNG kit installation involves a considerably high initial cost, you can easily cover it in a few months

The drawbacks of CNG are as follows.

1. Increases boot space requirements
The size of a CNG kit may take up most of your car's boot. Avoid CNG kits if you like taking long trips with a lot of luggage.

2. It's not always easy to find:
CNG is still not available at all the fuel stations. It implies that you'll have to wait in a huge line of vehicles when you need to refuel. The refilling process could take up to 15 minutes or more.

3. Licensing and convertibility:
The CNG fuel system only works with some cars. Before the equipment is installed, you must receive government approval. The Registration Certificate (RC) must be branded with a "fuel change" seal as part of a series of requirements.

How does your car insurance policy be affected?

1. Current insurance won't be enough:
There is still work to be done if you want to install a CNG system in your car. You might assume the current insurance coverage would be sufficient. However, it won't be enough. With CNG kits come higher maintenance and repair costs, the car insurance premiums also increase. The CNG kit must be listed on the vehicle's registration certificate to satisfy some insurance.

2. Invest more in premiums:
Insurance companies view CNG vehicles as of a higher risk. Liability insurance for your CNG vehicle would cost you an additional sum. Typically, the increase is between 4% and 5% of the cost of the CNG kit. The age and brand of your car affect the premium as well.

To insure the kit, you must have your car insurance policy's endorsement approved by your insurance provider. Your entire policy will be considered invalid if you don't complete it. Be prepared to give up your car insurance benefits if you choose not to insure the CNG kit! Always verify with your insurer before putting the kit in your vehicle. After receiving their confirmation, only then should you decide.

Click HERE to buy a reliable car 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.