GENERAL INSURANCE BLOG

Having a car helps you manage your personal and professional lives with convenience and independence. While the whole process of purchasing a vehicle can be pretty extensive, it is equally important to take care of your vehicle to maintain its efficiency. Hence, it would be best to get it serviced regularly. Ensure that all the damages are repaired and replaced according to need.

But how do you ensure that your car stays up and running? There are several parts that require regular inspection. One of them is the gearbox. How can you detect and rectify problems with your gearbox? What happens if you don't get them checked by an expert?

This blog will discuss significant pointers about problems and the ways to resolve them.

1. Unexpected noise:
If you feel that your car is shaking, moving roughly, jerking or making grinding noises while operating, this indicates some underlying problem. And if you notice these noises when you shift the gear, it is an issue with the gearbox.

2. Laggy acceleration:
If you notice a slight delay (more than a second) in your vehicle's acceleration while you shift gears, this could suggest a problem with the gearbox. It could also be due to a faulty clutch part that finds it challenging to engage and disengage completely. Get this issue examined by an expert car mechanic to ensure proper repair and maintenance of the gearbox before the situation worsens.

3. Gear slipping:
The gearbox heavily depends on your actions and how you operate it unless it is automatic. Gear slipping is a phenomenon in which the car jerks and the gear shifts back when you accelerate. There are possibilities that it might change into neutral at times. And jumping to neutral gear while in motion can be risky and invite accidents as your car will halt suddenly.

4. Spilling of fuel:
The gearbox of your car is a crucial mechanical component. Since it moves in a rotational pattern, it needs fuel for lubrication. It is likely a transmission fluid leak if you detect bright orange-coloured liquid drops under your car. Get it fixed to avoid the gear from drying out.

5. Smell:
Overheating of the transmission fluid can cause improper gear shifts and a burning smell. Transmission fluid is essential in reducing the heat and cooling down the gearbox components.

Now that we have listed specific gearbox problems to look out for, the next question is how to resolve them. You can monitor the transmission fluid periodically, keep a check on the gears, make sure that the cooling system works efficiently, get your car serviced at regular intervals, drive with care and watch out for the signs we discussed above.

Another way to ensure that your car stays in good shape is to get it insured against unprecedented damages. You can safeguard your vehicle by purchasing the best car insurance in India and be relieved from the monetary stress involved in car maintenance and repair.

Click HERE to know more about how you can buy the best car insurance in India.

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

Group trips are often a sort of once-in-a-lifetime opportunity for everyone. However, it is tough to set an itinerary that is convenient for all and pleases each one in the group. Differences may arise when choosing the mode of travel. Some may want to take a flight, some train, while others want a road trip. Further differences may arise with the choice of hotels, destinations covered, trip duration, etc. What to do now? Fret not!

We are here with our exclusive guide to enjoying a perfect group trip.

1. A group leader:
The first step for the success of any group trip is to appoint a group leader. He should be bold, knowledgeable, a good researcher, and a planner. He should also be a good team player as he will have to manage and deal with everyone in the group.
The appointment of a group leader will ensure a single point of contact for addressing the needs of all. He can finalise the travel dates, mode of travel, hotels, etc., after discussion with everyone in the group on a one-to-one basis.

2. Budget:
A group trip is about convenience for one and all. Some may want an international holiday, while others want to go within the country. Some may favour travelling by air and staying in a five-star hotel, while others may want to make it more budget-friendly, travel by train, and stay in less expensive hotels.
The group members should first decide on their budget and book accordingly. The trip should not put undue pressure on anyone financially and cause inconvenience.

3. Book in time:
A group trip involves a lot of bookings, be it for travel, accommodation, or sightseeing. Always make your bookings as soon as possible otherwise you will have to pay steep prices for your flight and hotel booking. There is also a chance that tickets or rooms become booked and unavailable for your travel dates. A delay in bookings can spoil your entire travel plan.

4. Plan beforehand:
A perfect group trip means planning possibly everything before you arrive at your destination. Local sightseeing and related bookings should be planned to avoid confusion and delays later. For example, you may consider booking cable cars in advance if you visit such a destination in a large group. Buying cable car tickets on the spot can take a lot of time. Also, there is a chance that there are no vacant seats left for you at the last moment.
You should also plan your meals well in advance. Everyone has a different food choice, and meeting their expectations can be daunting. Find good restaurants for meals, declare the menu/ available choices in advance and book them accordingly.

5. Do not make your trip hectic:
A perfect group trip will give everyone some personal space and time. Never make your travel itinerary very hectic and time-bound. Keep a comfortable gap between various activities so that people are not left exhausted at the end of the day.
You can also plan to keep an extra day in hand so that individuals can use their holiday time as they wish and do the activities of their choice. Remember that you are on holiday, not on a mission, to finish some tasks.

No trip can be as enjoyable as a group trip with family or friends. But it has to be planned well in advance and executed effectively. Similarly, you need to plan for your general insurance needs well in advance so that it provides adequate security coverage in times of emergencies. As there are several general insurance companies in India, always thoroughly research their policies and coverage and opt for the best one.

Click HERE to buy insurance from the reliable general insurance plan to make your group travel safe from mishaps.

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.

A salesperson is always on the go, meeting new people and constantly travelling from place to place. They are an integral part of any company. The company's reach to the broader masses depends on a salesperson's ability to promote the products and services of the company and make people aware of all the benefits of indulging in it.

But having said that, a salesperson is susceptible to situations during work that an otherwise office employee wouldn't face. Therefore, this article will shed light on why salespersons need personal accident insurance in India and how it will safeguard the company and the individual from any expenses that might occur in the future.

1. Claiming any disability:
A salesperson's job translates to tight deadlines and busy schedules, and sometimes to meet the deadlines, they need to rush, which can lead to dangerous accidents during work or otherwise. Hence having personal accident insurance in India can assure the safety of a salesperson in many ways. Any disability caused during the accident can be claimed, and the person will be compensated appropriately.
Sometimes an accident might lead to a permanent loss of income. Under such situations, the insurance provider mitigates the financial losses caused.

2. Hospital expenses:
With medical bills skyrocketing, not having insurance is not an option. Starting from ambulance charges to the medical expenses, including but not limited to medicines, tests and scans are covered under this policy. The insurance provider compensates for all the policyholder's medications during and after the treatment. This takes the pressure off the shoulders of the insured.

3. Environment modification:
In case of an accident, certain changes will need to be made at home and work. People who use wheelchairs or other kinds of support will need to make modifications to their house and vehicle. Setting up a ramp, modifying the bathroom, making the car wheelchair friendly are just a few modifications that one will need. Insurance providers will be able to provide compensation for these modifications as well.

4. Transportation cost:
Finding the best treatment in the closest hospital is not always possible. In such a case, the insurance provider will reimburse all expenses incurred by a family member for the commute between the hospital and home. The transportation cost for the ambulance is also covered under this policy.

5. Accidental death:
Upon the death of the policy bearer, the insurance provider pays the entire sum of insurance to the nominee. Additionally, an educational grant is provided for the education of two dependent kids up to the age of 23. The insurance provider also covers the funeral cost and the transport of the mortal remains.

These are a few reasons why salespeople should invest in personal accident insurance in India. Many people believe that health insurance and accident insurance are the same. However, accident insurance solely caters to losses or expenses due to an accident. Therefore, one must get accident insurance to safeguard their future.

Click HERE to find out about personal 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 experience in life can compare to the adrenaline rush of riding a motorcycle. However, it is crucial to note the importance of maintaining your two-wheeler. Regularly changing the engine oil in your bike's motor is a vital part of keeping it functioning and operating smoothly. Without frequent oil changes, it overheats, the friction between its internal components increases, and overall performance suffers. As a bike owner, you must ensure that your bike's oil is changed regularly.

Yet another way to keep your bike safe is to cover it against any unexpected incident, such as damage, robbery, loss, or natural calamities, with the help of ideal 2 wheeler insurance.

Here are some important steps to change a bike's engine oil.

1. Start your engine:
It's a lot simpler to replace your oil while your engine is warm, so make sure you run it for at least 30 minutes before starting to change the oil. Remember, do not start a motorcycle and leave it idle. You will face the risk of causing damage to your bike.

2. Removal of old oil:
The next step is to dispose of the leftover oil by gently emptying it into a drain pan. The pipes from which the motorcycle oil is to be unloaded are positioned differently on various models, so be sure about the correct pipe before you begin.
Bend the motorcycle at a 45-degree angle and maintain it there for a few minutes. With a wrench, release the drain bolt and allow the oil to drain. Don't stop until you are confident there is no more oil left inside.

3. Install a new oil filter:
Be cautious while removing the old oil filter since there may be some spills. Before changing it, apply a little fresh oil to the new filter. This will guarantee that it runs smoothly into the engine and is readily withdrawn during the new oil filter replacement. Screw-in the fresh oil filter by hand, and be careful not to over tighten it.

4. Fill in the fresh motor oil:
Using the repair instructions manual that comes with your bike, measure out the exact quantity of oil required in a beaker. Remove the engine oil valve nut and insert a funnel to help the oil flow. Then, add the carefully measured oil to the engine.
Start the engine without revving it and let the fresh oil flow. With the completion of this step, you have successfully finished the procedure of changing the engine oil of your bike.

5. Finishing adjustments:
There are still some things remaining after the procedure. Ensure that there are no leaks and double-check all the bolts to assure they are snug. Wipe off any residual oil from the bike's surface using a cloth.

Bike owners have a close affection for their two-wheelers. As a result, they are not hesitant to get their hands dirty if it means keeping their bike in top condition. While an oil change ensures more remarkable performance, it does not protect from external causes or physical damages. Hence, responsible bike owners must invest in 2 wheeler insurance for the assured safety of their bike and good financial coverage if they incur loss due to accident or theft.

Click HERE to buy two-wheeler insurance.

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