GENERAL INSURANCE BLOG

Self-driving automobiles, previously thought to be a sci-fi fantasy, are now cruising the streets in some parts of the world, but there's a catch. They are not yet capable of reaching the benchmark of human drivers. Using the most sophisticated 3D imagery and Artificial Intelligence, car manufacturers want to provide users with a hands-free experience without jeopardizing personal safety. In today's post, we speak about the technology behind these cars and how they influence the future of mobility.

How exactly Self-driving automobiles work?
When the driver selects a destination into the car's navigation system, the software determines a route and drives the car towards it by tracing the route map. A revolving sensor mounted on the roof monitors a 60-meter radius surrounding the vehicle and generates a dynamic 3-D representation of the surroundings.

A sensor on the left rear tyre detects lateral movement to determine the vehicle's position to the 3-D map. Another couple of radar sensors in the front and rear bumpers calculate obstacle distances. The car's AI software is linked to all sensors and receives data from Google's Street View and integrated video cameras. Artificial Intelligence then mimics human perception and handles driving systems like steering and braking.

The vehicle's software constantly checks Google Maps & built-in GPS to be aware of landmarks, road signs, and lights. An override feature allows the drivers to take over the control of the vehicle whenever they want.

Now that you know how a self-driven car works. Let's look at its possible impact on our future.

1. Settlements:
People generally settle near their workplaces to avoid spending the time commuting daily. However, with self-driven cars, people will have extra time for other activities and personal leisure time as they won't have to drive, which means that they will no longer need to settle as close to the workplaces as before.

2. Fewer Accidents:
We know most accidents occur due to human errors. With no humans behind the wheels, there's no possibility of human error resulting in fewer accidents.

3. Mobility for disabled and elderly:
Differently abled people and the elderly will no longer have to depend on others to drive for them. They can just hop in and start navigating.

4. Fewer traffic jams:
Most traffic jams occur due to the congestion of the vehicles on the roads. Everyone wants to get ahead and, in the process, disrupts a free flow of traffic. Self-driving cars can cut down traffic by multiple folds. Sophisticated software and radars will have a sophisticated driving pattern.

5. Less human touch:
A self-driven car is all about software and sensors. They can never be 100% accurate and lack emotions and feelings. The inability to adapt quickly combined with a lack of emotions can have adverse impacts.

The possibilities for driverless cars are endless, and the imagination is at the top among car manufacturers. However, self-driving technology is not yet fully developed. It will take up a significant amount of time, and legal obligations before autonomous vehicles dominate the roads.

Till then, it's time to focus on what we have at hand. May it be a self-driven car or a non-autonomous car, safety always remains an important aspect for both the categories. And, when the safety of assets is concerned, insurance is the solution. So, as we talk about future technologies, why not consider purchasing online car insurance by making the best use of the internet and online resources for a hassle-free buying experience.

Click HERE to know more about online car 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.

Bikes are never out of fashion, and every biker wants his favourite bike to be the show-stopper. You may have seen a lot of tastefully customized bikes and may be interested in modifying your two-wheeler. Different people have different reasons for customizing their motorcycles. Some do it for better designs, while others do it to improve performance or safety.

No matter the reason, here are four things that you should know before you shift into high gear and head straight to one of the bike modification shops.

1. What The Motor law says:
When considering change, the first thing to examine is if the law allows it. To illustrate, if you wish to update the engine to boost its power output, your registration certificate should reflect such modifications. As a result, you must go to the Regional Transport Office and have your registration certificate updated. Minor cosmetic changes, such as adding a sticker, are permissible without clearance. Each state has its own set of rules regulating the use of lights, indicators, license plates, and horns. Before making any changes to your bike, you must comply with the government's regulations, or you'll have to pay a heavy fine. Ensure that you stay lawful!

2. Types of Modifications and their Impact on premiums of 2 wheeler insurance:
Performance-based modification: Performance enhancements on two-wheelers often involve fuel-efficient technologies or mechanisms to enhance speed. Remember, a higher speed increases the probability of an accident. Given the danger, it will surely raise your 2 wheeler insurance premium.
Aesthetic modification:When you modify your bike to look more aesthetic, it raises the chances of theft, thus increasing the premium.
Safety modification: By adding security features to your bike, you reduce the chances of bike theft. As a result, you save money on insurance costs too.
Modifications for the disabled:If a specially-abled person rides a bike and is modified to meet the convenience, the insurance provider will not charge an additional premium.

3. Inform your insurance provider:
Keep your insurance company informed of any alterations you want to make to your two-wheeler. Some two-wheeler changes may result in an increased premium amount. Failure to disclose these modifications may be seen as unlawful, leading to claim denial by the insurer.

4. Get the job done by a professional:
While the potential for heavy-duty modifications to two-wheelers is restricted, you can still make many alterations. Paintworks, for example, are still permitted as long as they are within the RTO guidelines. Similarly, the installation of minor extras such as decals, visors, and engine fairings remains allowed. Make sure that only specialists perform these tasks.

Remember, your bike is a machine, and like any other machine, it has its limitations. Therefore, you need a skilled bike modifier who can assess your bike's capabilities, consider your needs in terms of adjustments, and then begin working on a plan.

Whether you modify your vehicle or not, you must hold valid insurance if you want to ride your two-wheeler lawfully on Indian roads. Also, you need to prepare yourself for uncertain events or situations like accidents, maintenance fees, and other service costs involved before they take a toll on your finances. So get reliable 2 wheeler insurance and forget all the stress.

Click HERE to know about the most economical plans for your 2 wheeled companion.

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.

It is the festive season in India, the perfect time for family get-togethers, mini-vacations and the excitement of shopping! Irrespective of the socio-economic factors and the varied buying habits of customers, Indians dominate the world in their crazy obsession with shopping.

And this creates an excellent business opportunity not only for the wholesalers but also the retailers. With super busy markets, sales reach new heights, and people begin to recognize themselves as shopaholics. But we can't blame them, can we? With all the exciting deals around, no one will be able to resist the urge to buy things.

And, so it seems like a pleasant occasion to buy the new bike you have wanted for a long time now. In this article, we will assist you in getting an excellent deal for the new bike you wish to bring home this festive season.

1. Evaluate different options: Check out all the options available to you, as the same bike might be available at different prices across different showrooms. Evaluating alternatives and substitutes always result in a better price. Compare the offers that all the showrooms or private dealers have for you during this festival. Always go for offers with a monetary discount and not just some freebies.

2. Do not rush, take it slow: Take your time to do things your way. People always have a fear of missing out. 'Last day' and 'limited stocks' are a few of the many things dealers say to make you swipe your cards. Also, don't stress if the festival ends. Often the sellers extend the offer for the next few days. If you miss Ganesh Chaturthi, there is always a Navratri sale, and the following is a Dhanteras offer, not to forget about the Diwali season. So, the bait of 'last chance, hurry up!' is not for you to fall prey to.

3. Payment mode of smart finances: We often neglect the payment mode thinking it does not make a huge difference, but it does. If you pay close attention, you will notice that net banking charges, credit and debit cards, or a payment application are different for different brands and dealerships. Certain bank cards provide you with an extra 5% or more discount. Making a cash payment at the counter might also earn you a concession. So do not overlook all these aspects if you want to grab the best deals that don't loosen your pocket much!

4. Beware of fake deals: Many dealers trick you by hiking prices just before the season starts and then provide discounts, making no difference in your price. Do not fall for freebies! Not all of them are useful. And if they attract you, you will only end up gathering a load of unwanted items.

Bike insurance will always be a necessity when you buy a new bike. Even the insurance companies flash exciting offers and unique festive benefits to attract potential customers. You can check the BIKE INSURANCE ONLINE, compare the deals of multiple companies, and buy the one offering the best value-for-money.

Do you think is it fair to select products solely based on their price? Sure, money matters, but so do standards and features. It is safe to do some market research beforehand to bring good fortune for you this festive season. Look beyond the offer and also focus on the specifications of the bike you decide to buy. That is how you make a real deal.

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 working 9-5 taking a toll on your health? Sometimes we involve ourselves so much in work that we forget to pay attention on our health. Unfortunately, it commonly happens to every other working person. And even though we try our best to bring a balance, we somehow end up neglecting our health.

Most people blame their jobs for not being in good shape. However, it is no news that most of the population works in offices and remains at their desks for about 9-10 hours a day.

Such a lifestyle looks manageable while you’re young, but as you grow old, it starts to have terrible consequences on your health, including back pain, eye strains, stress, neck syndrome and those extra calories adding up to obesity.

Go through these five tips to find simple ways to balance your health and work simultaneously.

1. Drink adequate amounts of water and have healthy meals:

Pay proper attention to how much water you consume while at work. It is essential to stay hydrated throughout the day for an active mind and body. Similarly, eating a healthy lunch is an equally important part of a balanced diet. Make salads and fresh fruits a part of your meals. Eat reasonable portions and do not skip lunch. Avoid nibbling on snacks while working.

2. Frequent breaks:

Make sure you take a 5-10 minute break every 2 hours. Do not confuse yourself by thinking a break is a waste of time. On the contrary, you must consider it as a way to be more productive. Sitting at a place for too long can make you less productive. Just like any system, your body needs time off to keep performing in a better condition.

3. Hygiene and cleanliness of your workplace:

Your computer keyboard, mouse, and telephone can be a harbour for those germs just waiting to get you sick. Beware of your surroundings, ensure cleanliness and proper hygiene of your workplace. For instance, your desktop or laptop needs to be regularly cleaned. Use disinfectant, keep sanitizing wipes handy to clean the surface of your workplace and table often.

4. Follow a workout routine:

One of the good things you can do to stay healthy and in shape is exercise. Squeeze in a workout routine in your daily schedule as much as possible. Exercising for at least thirty minutes is recommended for keeping the best shape and health. Walking for a few minutes during lunch is also a great idea. Find a walking partner in the office whom you can join in for a daily walk.

5. Get a good health insurance:

In today’s world of stressful lifestyles, it is very important to have your health backed up by health insurance. Some companies have even made it mandatory for their employees to have one. Look for online health insurance, choose the best that fits you and purchase online health insurance without hesitation.

People always tend to turn a blind eye towards their health and end up prioritizing work over health. Take a note of the above valuable tips to ponder on staying healthy when at work. Work has no alternative, nor does health, so be wise and have health insurance backup.

WANT TO KNOW ABOUT THE ONLINE HEALTH INSURANCE PLAN THAT SATISFIES ALL YOUR REQUIREMENTS? CLICK HERE…

Maintaining your fitness might be a controllable factor, but predicting medical help indeed isn't. And we already know that the enormous hospital bills can suck up all of your savings, making you wish you had a health insurance plan.

There is no doubt that the benefits of an insurance policy are precious and useful at crucial times. However, with a sea full of policies out there, it can get tough to make a decision. To ease this, we've listed some critical aspects to consider before you buy Health Insurance Online in India:

● Determine Age-Related RequirementsOne of the most significant and primary aspects while buying health insurance is your age. Determine your and your family members' age before you proceed towards your purchase. Generally, the premium payable to individual plans depends on the age of the oldest member of your family. Another element is that many plans come with certain limitations in terms of the age for entry. While some allow age limits up to 60 years, others only cover up to 50 or 55 years. Likewise, the age for entry also depends on the type of policy you choose, while some permit newborns with 90-95 days and others start from age like 20 or 25 years. There might also be some policies that don't limit their coverage based on age-related factors. A piece of advice would be to check and verify the age limit when it comes to buying your health insurance.

● Determining Premium & Coverage Related Factors Many consider lower premium plans to be more favorable as there are fewer expenses involved. On the contrary, the lower premium plans have lower coverage period. The next time you see a policy with a low premium, try to verify the reasons. Look out for any different payment sources dated for future dates, restrictions; this will help ensure that you won't pay a great deal of money when you claim your policy. As far as there are no such additional costs or limitations on the coverage, you're good to go.

● Agreements On The Waiting Duration A waiting duration is where the insured person must wait for a particular duration due to prevailing health conditions like blood pressure, arthritis, thyroid, and more. Being well acquainted with the duration given by your policy can help you make the appropriate decision. Generally, the waiting duration ranges from 1 to 2 years or more, depending on each policy provider.

● Advantages Correlating To Hospital Bills The best part about buying a health insurance policy is that you don't have to pay any hospital bills as the insurance company directly sends out your coverage amount to the hospital. However, one thing to determine is that this coverage is only listed under individual hospitals; not all hospitals are part of their system.
However, can you imagine the number of form fillings and other tedious formalities that you can skip once you buy health insurance online in India?

● Coverage Benefits Before And After Your Hospitalization While you're looking at a specific type of insurance plan that primarily covers your hospital bills, make sure you check the coverage benefits. What you're missing out on are policies that cover hospital bills and the expenses associated before and after your treatment like physical check-ups, physiotherapist sessions, and more. When you pay for a policy, isn't it essential that you get all the benefits you'd admire? Save your medical expenses fully!

● Coverage Benefits Before And After Your Hospitalization While you're looking at a specific type of insurance plan that primarily covers your hospital bills, make sure you check the coverage benefits. What you're missing out on are policies that cover hospital bills and the expenses associated before and after your treatment like physical check-ups, physiotherapist sessions, and more. When you pay for a policy, isn't it essential that you get all the benefits you'd admire? Save your medical expenses fully!

● Coverage Benefits For Pregnancy One of the aspects that everyone misses out on is checking whether your policy covers medical bills related to your pregnancy. And you'd certainly be surprised to know that a lot of them don't. Also, many policies that cover this type of expense hold a waiting duration ranging from anywhere between 2 to 4 years. You can also plan your pregnancy accordingly.

Final words

Plan your policy ahead of time and consider what aspects are fundamental to you. This can certainly save you a lot on medical bills.

Quick tips:

● Navigate & Compare: These are the two primary things to consider before buying a health insurance policy.

● Check all the necessary related benefits.

● Ensure that the list of network hospitals are close to your vicinity.

The sea has always opened up numerous opportunities for humankind. And now, with cruises becoming popular in the travel culture, people want to avail this luxurious and unforgettable adventure. Sailing from one horizon to another, experiencing the waters, foreign sunsets, and the regal amenities of the ship, make a complete package and a perfect bullet on your bucket list.

Planning a cruise trip can be intimidating and overwhelming. Ships are now as high as six to ten storeys and can contain upto three thousand passengers! You'll come across people from various cultures and backgrounds when visiting different port cities and countries. With expansive breathtaking views of the ocean, enjoy the vibes of a unique vacation far away from the city crowd and hassle. Cruise companies make every effort to make the guests feel welcome and curate experiences that cater to all travellers' expectations.

In this article, we will discuss some essential things to know before you set out on a cruise trip.

1. Windowless cabins:
For first-time cruisers, this can come as a shock. Some rooms may look like a coach in a train (size), but they might not have a window. These cabins are small spaces and can be congested for some. If you are uncomfortable in tiny spaces, make sure you check the amenities before booking a room. You can always travel with a partner to split the cost of the room if the price is too high.

2. Dress codes:
Some cruises have strict dress codes for mealtimes. You can be turned away if you don't adhere to the code and show up in ripped jeans or anything that comes off as casual. Make sure you prepare yourself in advance, enquire about these rules and regulations, and pack your outfits accordingly.

3. Book a higher cabin:
If you get seasick, booking a higher cabin will help you have a fun trip without the stress of feeling nausea or seasickness. Consider your health as a priority while sailing. Carry all necessary medications along with you and take good rest. The more you look after your body, the better you will enjoy your trip.

4. Last-minute upgrades:
Amenities like bigger beds, rooms, complimentary spa services, rooms with balconies, etc., become available at reasonable prices and deals if they are not sold out by the time the ship sets sail. Check the last-minute offers, upgrade, and avail of the luxuries if you like a discount.

5. Pricey internet:
Phone companies slap you with high roaming charges if you keep using your data without checking the roaming prices or switching to roaming data packs. Most ships have Wi-Fi options for basic tasks like emailing, online meetings, etc. Check with your travel group while looking for Wi-Fi hotspots.

Now that we have discussed some essential things you should know before setting out on a cruise trip, it would be wise to insure your travel as well. Cruises are expensive and can be risky if you don't get your trip insured in case of some unprecedented situations. These can be very stressful monetarily. To avoid this, explore general insurance plans in the market and choose the travel plan which suits your needs.

Click HERE to learn 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.

'Travel' is often associated with beautiful views, fantastic food, and comfortable hotel stays. Yet, one of the lesser talked about things is the exhaustion one faces during the commute from home to the destination. Delayed flights, crowded lounges, and expensive food are just some of the many things we go through once checked in for the flight. However, airports need not be so stressful. Today we will look at some of the ways to survive exhausting flights and enjoy your flight.

1. Reach on time:
This is a no-brainer. If you are travelling domestically, reach at least two hours before. Many airlines these days have made web check-in available for passengers. So you can skip the long check-in lines and book your seat preference while opting for web check-in.

2. Breezing through security:
Security checks are one of the most dreaded procedures at the airport. A helpful tip can be to keep your laptop, mobile, and wallet handy to save you time in the queue. Another trick is to carry a clear bag to put them all in and then put that bag inside the tray. This way, your things are safe, and you can easily collect them back.

3. Carry an empty water bottle:
Staying hydrated is key to navigating through hectic airports and transit schedules. Water is generally not allowed during security checks, and buying from the airport can be expensive. Instead, carry a water bottle, and once you are through security, fill your bottle through the free water coolers available inside the airports.

4. Light cabin luggage:
Many of us have the habit of stuffing our cabin luggage. But remember that you have to carry your things for the next hour or so, and it can be worse if you are hopping flights. Sometimes there also might be a last-minute gate change, and running across the airport with heavy luggage would be a hassle. Therefore, it is best to pack light. Carry only essentials like water, snacks, and hand sanitisers in your handheld luggage.

5. Wear warm and comfortable clothes:
Wearing comfortable clothes while travelling is essential. The flight cabin can become extremely cold, and freezing for hours does not sound like a good idea. Besides, if you're taking a long flight, you might want to sleep.
So being in comfortable clothes can help you sleep better. Don't forget to carry an eye mask and a travel pillow to make the best out of the in-flight sleep.

6. Carry entertainment:
Waiting for flights can be a long and boring process. Make use of the free Wi-Fi at the airport and download shows, your favourite playlist of songs, and books you enjoy on your device. You can use them during your flight or while waiting to board.

These are a few tips and tricks that you can follow to make your trips less exhausting. Remember that any hiccups you face during travelling are part and parcel of nomadic life. What you can do is to be as prepared as possible. But to err is human, which is why you should invest in general insurance India so that the next time you travel, you are safeguarded against any extra expense and mishaps like damage or loss of luggage, etc.

Click HERE to know about general 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.

We’re always talking about how densely populated India is but have you ever stopped to think what it means for us? Well, the metros are over-crowded for one, but there is more. 

It also means more people have to share the same amount of resources. Something as basic as healthcare becomes more expensive for most.

Our country’s total expenditure on health as per WHO statistics was 4.7% of our GDP (2014). This cost is only rising due to our sedentary lifestyle and the external factors like climate that we expose ourselves to on a daily basis. As much as we love our junk food and comfortable chairs, they really aren’t helping our health.

So, at a time like this, what can one do?

This is where health insurance comes in handy, even if we faced the same health problems as the generations before us, the prices we would have to pay would be a lot more due to inflation. But a good health insurance can work as a safety net that protects you from these expenses. There are things such as family medical history, environment and even our lifestyles that aren’t completely in our control, but how prepared are we for unforeseen events are.

But besides countering the effects of our changing lifestyles and rising medical costs, health insurance also gives you some additional benefits such as tax deductions. We know, a lot of people don’t invest in health insurance because they think it’s expensive but if anything, it’s helping you save money on two fronts – medical bills and taxes. All payments made as premium for your insurance are eligible for tax deduction under section 80D of the Indian Income Tax Act. In simpler terms, the amount you pay as premium is deducted from your total taxable income.

Now you might be thinking that you are healthy, and you wouldn’t really need hospitalisation and thus, health insurance. But here’s where you are mistaken. Health insurance doesn’t just help you during hospitalisation but throughout – from getting free health check-ups to day-care treatments and even dental procedures. Now, who doesn’t need a dentist every now and then, right? Moreover, you might be healthy now, but what about 10 or 20 years down the line? You can never be sure of your health then, but you can be sure that health insurance will be there to protect your finances.

Planning for the future is a must in this day and age. The ease of technology leaves you with no excuse but to click a few buttons to secure yourself. Health insurance is cited as one of the best investments that one can make. Not only does it lead to better financial planning, but it also removes a lot of questions you may have when an unfortunate situation does arise.

Choose a plan tailored to your needs and stay assured that if you ever need healthcare, you have something to fall back on.

Though there are many Online Health Insurance Companies in India, Magma HDI is a one stop shop for all your needs from a Health Insurance Policy Renewal or getting a new policy.

Does your business rely heavily on machines and equipment? If yes, then you surely must’ve heard about machinery breakdown insurance. Even if you haven’t, worry not, we’re here to explain

Businesses that have machines running day-in-day-out are susceptible to loss if there is any physical damage to the machines or if they break down. Even if the daily wear and tear are monitored, it is impossible to predict a breakdown. But what you can do is be prepared for such situations by having a machinery breakdown insurance.

What is covered by this type of insurance?

Loss or damage due to:

• A mechanical breakdown
• An electrical breakdown 
• Accidental external factors

The cover is applicable:

• When the machinery is operating
• When it is at rest 
• When it is in the process of getting dismantled
• When it is being overhauled or subsequently being re-erected at the same premises.

The machinery breakdown insurance that we provide also has the following additional covers:

• Air Freight
• Express Freight
• Insured’s own surrounding property
• Third party liability
• Escalation
• Additional custom duty

What is not covered by this type of insurance?

Loss or damage due to:

• Natural calamities like lightning, flood, earthquake, landslides, etc.
• Burglary or theft
• Damage caused due to impact by land-borne/water-borne craft.
• Wear and tear, faults or defects that existed when the insurance period started and was either known to you or ought to have been known to you. 
• Faults or defects for which the supplier is responsible either by law or under contract
• War or war-like operations
• Wilful acts or gross negligence on your or your representative’s part
• Accidental loss or damage due to overload experiments or tests requiring the imposition of abnormal conditions
• Loss of or damage to the different types of belts, ropes, chains, and other exchangeable tools
• Loss of or damage to objects made of glass, porcelain, ceramics, all operating media, etc
• Flaws, defects, cracks or partial fractures that develop gradually in any part not necessitating immediate stoppage

Machines and equipment form an integral part of some businesses. If your business is one of them, then you definitely must own insurance that protects your machinery against unforeseen circumstances. Specific insurance policies such as this one are made to ensure that if something does go wrong, business owners have a reliable option to fall back on.

There’s an ongoing debate between the importance of health insurance and critical illness insurance. Most people either confuse health insurance with critical illness cover or consider it to be an option. While both insurance plans act as a financial cushion for health-related contingencies, let’s learn the truth about both:

So, now that you know the primary differences between health insurance and critical illness insurance, the question arises of choice. Which of the two should you choose to buy? The answer is that both health and critical illness insurance plans are important for you. Both the plans are recommended for anyone who wants to secure themselves against the financial implications of health issues.

However, if you have a history of critical illness in the family or have certain lifestyle habits that are known to result in certain critical illnesses, it is strongly advised to opt for critical illness insurance too. You can either take this as a cover or standalone insurance. You should have insurance against critical illnesses, such as heart attack, stroke, cancer, coronary artery bypass, paralysis, etc. Additionally, the chances of falling prey to critical illnesses increase with age and could also be triggered by certain other pre-existing diseases, such as diabetes can lead to heart attack and strokes by damaging the nerves and blood vessels of the heart. Therefore, it’s important to be mindful of all such factors that could lead to critical illness, and it’s prudent to take critical illness insurance along with your health insurance plan.

To Sum Up

The best way to secure your health is to opt for both, a health insurance plan and critical illness insurance plan too.  Magma HDI's OneHealth Insurance Policy is one such policy that can come handy for you. 

If you own a vehicle, most likely it’s a bike. A two-wheeler is most people’s first choice due to the low price and easier upkeep. The latter, however, is something that is not always true. Even a small accident, due to your or someone else’s error, can lead to a hefty bill. So, does that mean two-wheelers aren’t as economical as we thought?

It can be if you have the right two-wheeler 2 Wheeler Insurance In India.

Not only is a two-wheeler insurance mandatory by the government, it is also the best way to ensure owning and riding a motorcycle doesn’t become a burden. While breakdowns and accidents aren’t always avoidable, you can plan ahead for when you find yourself in a sticky situation.

Kinds of plans available 

To break it down, there are mainly two kinds of insurance plans available for two-wheelers. One is the third-party liability only insurance which is mandatory for all motor vehicles and the other one is thecomprehensive insurance which protects you and your vehicle as well.One should always go for the latter because not only does it cover your liabilities to the other party in case of an accident, but also your medical bills and biker repair costs.

How important is it?

You might be a terrific rider but can you be sure about everybody else on the road? A comprehensive insurance, in that case, is your best bet for protecting your finances.Your policywill not onlyhelp yourecover the costs of repair but also your medical bills. But the benefits of atwo-wheeler insurance don’t end here.It can also protect you against theft and send you help if your motorcycle breaks down in the middle of nowhere.

What does our truth lens say?

As mentioned earlier, you should always opt for a comprehensive insurance because it covers more than just the third-party liabilities. Apart from this, you should also check how extensive is the insurance provider’s network of service centres and garages.A large network means you are more likely to find one around you for cashless repair.

Another factor to keep in mind is to check the claims ratio of the company. It essentially means how many claims the provider has settled out of the total number of claims made. And of course, you should look for which plan offers most benefits. For instance, Magma HDI’s two-wheeler insurance covers your motorcycle against damage due to fire and explosion, damage in transit, natural disasters and even theft. 

Where to get it?

Though the home is a synonym of safety, home burglaries are common and have gone up rapidly in recent times. Festival theft is another concern, and a study shows that the highest home burglary rate in India is during festive seasons. Read on to know about five preventive steps to ensure your home is a safer haven during the festival season and after.

Hiring a security guard or a watchman

Most of the housing societies execute due diligence on the security features, including hiring trained security guards. If you are not living in one of the high-rise buildings rather a private land-based home, then a security guard is a must for you. A trustworthy watchman is a resource who works as a deterrent to burglars and ensures the complete safety of your home. Opt for a guard from professionally licensed security companies and always take a security guard that has previous security experience and is adequately verified.

Under surveillance — installing CCTVs

Technology is more of a boon than a bane for all. According to a Delhi Police report, crime reports have decreased to half after installing CCTVs in Old Delhi's Chandni Chowk Market. The same statement holds true for most of the residential colonies. Installing CCTVs at your home allows you to keep an eye on suspicious elements and prevents any potential theft. During the festive season, it is more imperative to have a security scanner that alerts you about any suspicious activity around your premises.

Lock it all when you leave

During the festival season, there is a spurt in burglary, even in locked houses. When you need to leave your home, make sure that all your windows and doors are closed and properly secured. One of the biggest mistakes people make is hiding the keys in the most obvious places, under the rug or behind the nameplate. Also, don't let burglars assume that no one is in the house. Ask neighbours or depute someone to pick the newspaper from the doorways and switch on the door lights in the night.

Bank lockers are better than home safes

There is no argument that a bank locker is always a safer place for your valuables. Banks have a robust security system to safeguard your valuables. The presence of a security guard and a high level of surveillance to monitor entry and exit in the bank's locker room add another layer of security protection to your valuables. However, if you are still keeping jewelry and valuables for the festive season at home, use electronic safes ranging from mechanical safe to the wall-mounted high-end safes.

And, consider taking a home insurance cover.

Security tools and technology will help make your home secure to a certain extent, but considering the increase in home burglaries nowadays, nothing can be said with surety. A good head start would be opting for the best home insurance policy in india that safeguards your home from any loss and damage.

A regular motorcycle rider is aware of the everyday challenges of engine overheating, the exhaust getting clogged due to high pollution levels, and the electric wiring cracks after consistent usage. Besides these technical maintenance issues, you may face several obstructions to a smooth riding experience. While you can buy two wheeler insurance online and get immediate assistance for major problems, fixing the more minor issues can be confusing.

One of the most typical issues that two-wheeler riders face is extreme condensation of their speedometer and tachometer. While the majority of today’s advanced vehicles are equipped with premium instruments sealed much better against humidity and moisture, several models still face this issue.

Why does condensation occur in motorcycle instruments?

If you reside in a coastal town or a location with high humidity levels, you must face condensation problems with your bike. While four-wheelers have air conditioning to control the heat and humidity levels, two-wheelers still face significant concerns with condensation. The instruments in the two-wheelers are highly exposed to humidity and other weather conditions like rain, hail, snow, etc. The bikes often overheat due to prolonged hours of travel which can quickly cause condensation as the moisture from the environment can settle on the loosely sealed speedometer or tachometer.
Additionally, careless maintenance like washing the motorcycle with a high-pressure washer can lead to water entering several parts of the vehicle causing numerous complications.

Why is condensation on motorcycle instruments harmful?

If the covering on the speedometer or tachometer is not sealed tight enough, moisture can seep in, which can cause a blurred view of the dials. This condensation can be highly risky when on the road, as your knowledge of the speed and other technicalities about the motorcycle get compromised. This can confuse any rider as they need to know the appropriate pace to ride at and maintain it through their journey. While this issue can often occur, there is no need to panic as it can be fixed using some simple remedies.

How to avoid or get rid of the condensation on the motorcycle instruments?

1. If you spray water with a high-pressure pipe or washer to clean your bike, steer clear of the front area of the motorcycle that consists of the instruments.
2. If you choose to use water around the instruments while cleaning your bike, tape the meters with plastic or use a damp cloth to wipe the areas. Immediately wipe the vehicle dry to avoid water seeping into the electric system or engine.
3. If you are riding the bike during the monsoon and are caught amidst a shower, keep a dry cloth to dry off the vehicle.
4. Try to wipe the cover of the meters with a rag soaked with a bit of 90% rubbing alcohol. This is not a fool-proof method but may work for specific bikes.
5. Use a hairdryer at a moderate temperature to dry out the water droplets. Use the hairdryer from a distance to avoid any overheating.
6. Avoid opening or drilling any parts of the instruments as they can get further damaged. Ask for technical assistance from a trusted mechanic.
7. Go for a long, breezy ride. This ensures that enough wind passes through the instruments to dry off the moisture automatically.

On a conclusive note, it’s important to remember that condensation on the vehicle’s instruments is expected, and it is difficult to avoid. However, you must ensure you fix it using these few methods and prevent having a blurred view of the meters. Also, don’t forget to invest in two wheeler insurance online to protect your bike from unforeseen circumstances.

Click HERE to buy two 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 fuel prices have been skyrocketing and severely hitting consumers' pockets. With that, we see an increase in alleged fuel theft cases from the two-wheelers, making it even worse for riders. Petrol theft is a common problem faced by two-wheeler owners. Fuel theft is generally carried out by siphoning the petrol. The thief siphons the petrol from the fuel tank using a hosepipe attached to another vehicle or a storage container.

In this space, we will look at a few ways to avoid fuel theft from your two-wheeler.

1. Put a petrol lock:
An inexpensive yet efficient remedy to this problem is using a petrol lock. You can get this fitted onto your bike with the help of a local mechanic. The lock lasts for about 2 to 3 years, and getting it fixed barely takes five minutes. The cost ranges anywhere between a hundred rupees to two hundred rupees.
This lock adds security to your bike by avoiding any petrol theft. The petrol lock comes with a set of keys used to regulate the fuel flow. Once locked, the petrol flow is stopped, and you cannot move about unless it is unlocked.

2. Defensive parking:
Park your bikes close to a wall so that the fuel pipe is towards the wall. This makes it difficult to have access to the fuel pipe hence preventing the siphoning of the petrol. Although it’s difficult to always practice this method, one can be mindful of the placement of their vehicles in such a way that it hinders direct access to the fuel pipe.

3. Parking and garage facilities:
If you plan on leaving the bike for long durations, it is advisable to park your vehicles in proper garages or paid parking facilities. If you are someone who usually parks the vehicle outside the house, you must consider parking it in a more secure location that is away from trespassers. However, if you have to park outside, do so in a publicly accessible area. Thieves find it challenging to carry out these activities while under the public eye.

These are a few ways to prevent petrol theft from your vehicle. There isn’t much one can do to protect their vehicles from thieves, but taking note of the points mentioned above will prove helpful if you find yourself in a shady locality.

Another thing to note is that if you are someone who parks in a fixed spot in your office, gym, or other localities, then it becomes easy for the thieves to have access to your vehicle as they will be aware of your routine. So, switching up your parking spots can also help prevent theft. To ensure that your bike is not being subjected to petrol theft, keep track of your fuel level before parking the vehicle and look for scratches or damage in your fuel pipe.

If you notice any change in the fuel pipe or the fuel levels, it is best to take your vehicle to a mechanic and get the required changes done to ensure the safety of your two-wheeler. Before visiting the mechanic, look for two wheeler insurance India to safeguard your two-wheeler against incidents like theft, accidents, or damages due to natural calamities.

Click HERE to find out more about two wheeler 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.

No matter how convenient it is to own and ride a bike around the busy city streets, it comes with its own set of challenges. Even though two-wheelers are highly in demand today, before you decide to purchase one, it is essential to know about the issues you might encounter with them. Out of all the problems that motorcycle riders face, the gear not shifting properly while riding is the most common one.

The way you handle the gears can largely affect the quality of shifting in your bike. Some of the main reasons for poor shifting of gears in motorcycles are mentioned below.

1. Adjusting the shift pedal:
Factors outside of the engine can cause severe shifting problems. If you adjust the height of the shift pedal to your ankles, the linkage can be cramped against itself. As a result, the gear won’t fully engage on the final shift because the shift claw prevents it from pushing far enough.

2. Adjust the clutch cable:
There may be issues with the smooth shifting of the gear because the shift lever might become too stiff and changing the motorcycle's speed becomes challenging. This mainly occurs when the bike is cold and is caused due to the clutch cable. The locking adjustment needs to be readjusted, and pull the clutch lever a few times. You will notice a significant difference after.

3. Check the engine oil level:
Low engine oil levels can result in overheating of the motor, wear and tear of the mechanism, and a considerable amount of carbon deposits that can cause significant damage to your two-wheeler. These things damage various parts of the bike like its pistons, clutch plates, engine valves, and cylinder lining. Just as important as it is to buy bike insurance online, it is equally vital for you to check and renew the bike’s oil levels.

4. Inspect your motorcycle’s chain:
After years of riding the bike, the chain can become loose. It may have become loose for many reasons, such as rusting, etc. You need to clean the chain of your two-wheeler frequently using a cleaning agent or maintenance spray. Ensure you do this specifically after every ride you take along a muddy path or under extreme weather conditions.

5. Trouble with the transmission:
Another prominent reason for issues with shifting your gear could be caused due to a seized transmission gear. The presence of a foreign object between the gears may have resulted in a blocked gear. Some other possible causes for a seized gear are bent shift shafts or incorrect assembling of the transmission gears.
This issue will create resistance, and you won’t be able to change gears while riding or starting your bike easily. Get your two-wheeler examined by a mechanic to eliminate this resistance.

To sum it up, these are the few probable causes of poor gear shifting in your bike that you should inspect as soon as possible. Never delay or skip your two-wheeler’s servicing. Scheduled maintenance of your two-wheeler can protect it against internal damages and breakdowns. Get the servicing done at a trusted garage to examine all parts thoroughly and detect and fix if any flaws exist. Also, ensure that you invest in a reliable insurance policy for your bike. You may buy bike insurance online and avoid the unwanted involvement of intermediaries.

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.

The breakthrough of the corona virus has led us to these challenging times. And staying healthy and disease free to prevent yourself from the virus is one crucial task. To prevent yourself from corona, it is advised to stay indoors. While staying indoors is the first step, you can’t be completely safe indoors without taking the safety measures that are needed to keep the virus away. Here are the safety measures that you must follow while staying indoors.

Maintain Social Distancing

One of the first steps to staying safe is maintaining social distancing. Maintain a distance of at least 1 meter (3 feet) from people facing issues like cough, sneeze, fever. However, it is advisable to maintain a distance from everyone, whether they show problematic symptoms or not. When you cough or sneeze, the virus travels to your body in the form of droplets from the other person. It is advised to stay at a distance and connect with your friends, family, and colleagues through technology like video calls, phone calls, and social media.

Disinfect your Belongings

The coronavirus's effect is widespread and can be infected not only from people around you but also in the presence of air. You are acquainted with using things that might be the cause of being infected with the virus. It is found that cardboard can hold the virus for 24 hours and on steel and plastic for 72 hours. This means everything you come in contact with, whether an order from amazon, zomato, or your belongings like phone, tablets, laptop, earphones, etc., need to be disinfected. Cleaning and disinfecting all your belongings from time to time is an eff

Boost Immune System

If you have a healthy immune system, you can combat the virus on the right level. For this, you need to boost your immunity. But how can you do it? You can easily do it by eating green and healthy vegetables and fruits. With this, ensure the intake of Vitamin C in your diet. If you are a tea freak, you should take ginger or lemon tea.

Hydrate Yourself

Drinking the required amount of water is always helpful in removing all the toxic substances that are present in your body. Make sure to hydrate yourself and drink 8-10 glasses of water every day. Say no to flavored drinks and caffeinated drinks like coffee and increase water and smoothies' intake .that keeps you healthy and hydrated.

Practice Respiratory Hygiene

You already know the coronavirus If it is spread through coughing and sneezing. When you cough or sneeze, the respiratory droplets infected by the virus are released. This is why you must cover your mouth and nose while sneezing with a tissue or handkerchief. If you don't have a tissue in place, use your hands, and wash your hands quickly.

Wash your hands frequently

Not only cleaning the surfaces around you but cleaning yourself is a must-follow preventive measure for the coronavirus. According to the Centers for Disease Control and Preventive Measures, you must wash your hands for 20 seconds with soap or liquid sanitizer in small intervals throughout the day. It is advised to use liquid sanitizers with 60% alcohol that effectively kills the coronavirus. Besides handwashing, keeping your face covered with a mask or any fabric is a must to prevent the virus from entering your body.

Seek medical help

Cough, cold, flu, and fever are the main symptoms for someone infected with the coronavirus. All the treatments for the coronavirus are conducted focusing on these symptoms. If you think you have been infected with coronavirus, observe these symptoms for 3-4 days and if not improved, seek medical help to get the right treatment at the right time.
We hope you are following all these preventive measures to keep the virus away. With the risk of coronavirus, it is important for you to have health insurance in India that keeps you at a safer place with the coronavirus and its treatment.

The New Age Insurance is evolving and we are seeing a lot of new age insurers entering the game alongside the traditional players

Pricing:

Traditional – Expensive as you pay for the operational costs
New age – Cost effective when the company is going paperless
Ease of Dealing

Buying

Traditional - As complicated as buying a house
New age – As easy as placing an order online

Communication

Traditional - As complicated as reading a report
New Age - As simple as reading an article

Claims

Traditional - Hurdles and bottlenecks throughout the process
New Age - Smooth sailing

Paperwork

Traditional - Maximum paperwork, more hassle
New Age - Minimum paperwork, maximum ease and convenience

Motorcycles require more maintenance than anticipated to stay up and running. Over a period, your bike tends to undergo severe wear and tear. One way to keep it functioning is by regular maintenance.

Oil leakage is a strong indicator of your bike being internally damaged. Figuring out the point of the leakage can seem like a difficult task, but there are a few methods that you can keep in mind to ensure your bike is not susceptible to oil leakage. The leading cause of oil leakage is worn-out oil filters. Broken seals in the oil filters allow the oil to escape, thus causing leakage.

In this article, we will discuss a few ways you can detect if your bike is leaking oil.

1. Filter cup:
A filter cup that is worn out or has misaligned fibres can cause the oil to spill out. The misalignment in the filter cup can be caused by improper tightening of fixing screws. Check for leakage around the cup, and if it is leaking from the bottom, tighten the hose clamp.

2. Carburetor:
A carburetor is an essential part of the engine. It controls the flow of air and fuel and assists in combustion. The bowl that holds the carburetor can cause leakage if it gets old and is incapable of sealing the carburetor properly.

3. Checking fuel levels:
Another foolproof method of figuring out oil leaks is checking the fuel level of your bike with a dipstick. After the bike has cooled down, take note of the dipstick levels. If you notice a change in the levels over time, there is a loss of fuel.

4. Clean the areas:
The most susceptible areas to oil leaks are oil filters, oil pans, filter cups, valves, and hoses. Detecting an oil leak is convenient by inspecting these parts. If you observe changes in these areas, there is a chance of spillage or oil leakage.

5. Use a cloth or a paper:
Putting a dry cloth or a piece of paper under the bike is another smart way to check for oil leakages. Leave these under the bike overnight, and if you notice any spots or stains, your bike's fuel is leaking.

6. Smoke from exhaust:
Sometimes you can tell about oil leakage by checking the smoke from the exhaust. While riding the bike, if you feel that the smoke coming out from the exhaust smells like burning oil, it is probably an indicator of oil leakage.

These are a few ways to detect oil leakage from your bikes. Leakage is usually an indication of improper maintenance and extreme wear and tear of your bike. To combat these problems and increase your bike's longevity, you must ensure your motorcycle undergoes proper care and regular servicing.

Problems like oil leaks can cause severe internal damage to your bike if left untreated for too long. If you miss out on these simple steps, you may have to replace various bike parts, which can be expensive. It is advisable to invest in a comprehensive bike insurance plan to avoid these extra expenses. By buying bike insurance, you ensure that your bike gets complete financial protection against any costs that will follow if it gets damaged due to an accident.

Click HERE to know more about bike 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.

Packing up and moving out can be a real chore. Uprooting your life from a place you call home and trying to fit into a new environment is also quite emotionally draining. Sometimes we do it for love, sometimes for a better future. Whatever the reason, relocating is always a challenge. Among the million things that have you at your wit's end, managing car insurance in India generally takes a backseat. However, just as you would tend to any other asset, taking care of your car insurance needs will hold you in good stead. Here are some tips to consider before you hit the road!

Notify your insurer about the move

We live in a digitally connected world. All it takes is a couple of minutes for you to shoot an email, drop a text or even call the insurer’s helpline number and give the details of your new address. It also makes it easier for your insurer to communicate with you regarding things such as renewal, processing a claim and most importantly, providing the service you’ve paid for!

Re-register your car

If you are moving across state lines, you must get your vehicle re-registered with the Regional Transport Office (RTO) of your new domiciliary residence. However, prior to your relocation, remember to get a No Objection Certificate (NOC) from the RTO of your previous residence for a smooth transition. Once you get your new registration number, intimate your insurance company immediately so that the records are updated.

Re-evaluate your insurance needs

Depending on where you are moving, you may face a change in your insurance needs. If you’re moving to a metropolis like Delhi, brace yourself for never-ending traffic and possible nicks and bumps. In such a scenario, you may want to enhance your coverage. Similarly, if you are moving to a city like Mumbai, floods during monsoons are almost inevitable, where opting for add-on coverage like engine protection becomes a necessity. Consider all variables such as traffic, average drive time, safety, natural calamities, etc. and see if you need better coverage.

Implications of the move

Your relocation in all probability will affect the terms of endearment with your insurer. For example, ‘zonal risk’ is a variable insurance companies consider for premium calculations, and your move will have a direct impact on your annual premium. At the same time, the service quality may differ too. Do all the previous benefits carry over? Does your insurer have a strong presence at the new location? Do they have a robust network of garages? Get answers to all your questions before the move.

Look at your best interest

Insurance is all about your financial security and peace of mind. So if you have even the slightest doubt, don’t hesitate to look for another option. If you’re worried about losing out on your No Claim Bonus, fret not. You could easily carry over your NCB to an insurer like Magma HDI and continue to avail of all the benefits you previously enjoyed and more. A policy like Magma HDI's car insurance also provides safety against third party liability, damage, theft and natural calamities, making it a reliable choice wherever you go.

The end of the monsoon season is in sight, and even before we know it, we'll be ready for the winter days. The monsoon can be visually stunning, but it's not necessarily ideal for your bike. Post-monsoon brings a completely different downpour of problems for riders. This season demands a keen and prompt response to ensure your bike is in the best possible condition.

Now that the monsoon season is ending, you should give your bike its due attention. In light of the foregoing, we have compiled a post-monsoon maintenance checklist to get your bike road-ready. In that case, why delay any longer? Let's get this article rolling and prepare yourself for a thorough maintenance regime of your bike.

1. Tyres are important:
Don't let the air pressure in your tyres drop below the levels suggested by the bike's manufacturer. Inspect them for minor cuts that usually occur due to poor road conditions and potholes which might lead to more serious problems, such as a blowout. Make sure you inspect the tread depth of your tyres weekly. Make that the wheels are properly aligned and balanced.

2. Maintain battery:
If you want the bike's battery to last long with few problems, you should have it serviced right after the monsoon. Put some distilled water into the battery if needed. Look into the possible battery leakages. The bike must be in proper working condition and devoid of battery leaks. You should keep the motorcycle's battery fully charged if you haven't used it in a while.

3. Inspect the air filter and the exhaust:
Maintaining the air filter clean during the monsoon season is essential when airborne dust can quickly accumulate and clog the filter. Maintain regular air filter replacement schedules and increase cleaning frequency, especially during the monsoon days, since dust levels may grow in the winter. Check the exhaust for any residue or dirt accumulation due to flooding roads.

4. Don't forget to check the brakes:
Wet weather increases the likelihood that your bike's brakes will become more resistant to pushing, making riding in wet conditions dangerous. Therefore, it is essential to maintain an appropriate distance between the brake and the tyre.
Brakes that are either too stiff or too slack present a significant risk. If you experience screeching noise, it may be due to an oil shortage, or the front brake pads you’re your attention.

5. Remember the engine oil:
After the rainy season, keeping your bike's engine well-oiled is crucial for optimal performance and reliability. Before setting out on a long trip, ensure you monitor the oil level and keep it at the recommended level. Keep an eye out for any oil leaks that may have occurred because of the wet weather.
When carbon deposits are present, oil thickens, making it harder for engine parts to move. You should know that unclean oil will cause your motorcycle to use more gas and dramatically shorten the engine life.

This checklist of post-monsoon maintenance will be your go-to guide to having a fully operational bike ready to take you for your desired exploration.

Getting your bike serviced and having appropriate bike insurance will ensure your bike is maintained properly. Buying or renewing your bike insurance isn't as time-consuming or expensive as it was. Modern methods have made it possible to buy bike insurance online in minutes. Get yours now!

Click HERE to buy the best bike insurance online 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.