GENERAL INSURANCE BLOG

Public liability insurance in India is a kind of insurance that aims to shield business owners from claims that lead to legal actions. It protects you if a customer or general public claims that your business activities caused them to suffer an injury or property damage. A policy will pay for these costs, which may include any compensation you are required to pay if a claim does end up going to court.

More about public liability insurance in India:

The public liability insurance policy covers the insured's legal obligation to pay third parties for unintentional death, physical injury, disease, and loss of or property damage. Subject to the limitations of indemnity and other terms, conditions, and exceptions of the policy, it covers the financial claims filed against the insured during the policy period, including legal fees and expenditures spent with the prior agreement of Insurers.

A few important points to remember:

● No culpability is acknowledged

● Claims filed more than five years after the incident won't be considered

Myths about public liability insurance:

1. Professional assistance and counsel are covered:
It's common to mix up professional indemnity insurance with public liability insurance. Public liability in India covers the costs related to unintentional damage and injuries. In contrast, professional indemnity protects against claims from professional negligence in business services and advice.

2. If you are sued, you can close the company:
If you own a small business, closing it won't make the case go away if you are proven legally responsible for someone getting hurt or something getting broken. The lone proprietor will be held personally liable indefinitely for any claims brought against a small business. Even while persons who run a limited company can close their company, they will still need to deal with any legal actions brought against them. Only a public liability insurance policy will be useful in these circumstances.

3. The purchase of public liability insurance is mandatory:
Businesses are not obligated by law to buy public liability coverage. However, it would be crucial to buy this coverage if you want to shield your company from having to pay out astronomical sums in claims. While performing their duties, your personnel may harm people or damage someone else's property. Businesses operating in public areas or on clients' property need this insurance policy. Get a public liability insurance quote if you need to figure out how much it will cost.

4. Loss is compensated through public liability insurance:
That's only partially accurate. Public liability insurance in India does not cover pure monetary loss. Therefore, a third party cannot demand reimbursement for the monetary damage they have sustained due to a service provider's acts.

5. Every time you sign a new contract, you'll need new insurance:
Most of the time, firms only have a single policy to cover all the contracts and projects they take on. However, for public liability insurance, when a new contract entails significant risk or is substantial, buying new insurance can be required rather than renewing an existing one. Almost every public liability insurance in India has flexible coverage options.

This simplifies adding new features when the company expands or takes on new jobs. This will be practical and guarantee that your business needs are addressed. Working with trustworthy and renowned insurance providers is essential when looking for insurance coverage to safeguard your small business. Your business can benefit from having the best public liability insurance in India.

Click HERE to learn more about public liability 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.

Hatchbacks are small cars with a hatch-type opening at the rear end that we can open upwards and often come along with boot space. They do not have a separate boot from the passenger cabin. They are ideal in size for manoeuvring easily in city traffic and have a seating capacity of 4-5 people.

Hatchbacks are a preferred car segment for families, especially middle-class families, because of their size, ease, and convenience, in addition to good mileage and cost efficiency.

1. Easy manoeuvrability:
Hatchbacks provide ease of manoeuvrability compared to sedans and SUVs on busy city roads. They are easy to handle, and constant braking, taking turns, moving through narrow lanes, etc., become easier for the drivers. Moreover, it is easy to park them in the ever-shrinking parking space of the big cities.
As the Sedans are longer in size, it can be a hassle to drive them on busy streets. Parking them can be even more challenging. SUVs are heavier and can be tough to manoeuvre around if you are using them for daily use amidst heavy routine traffic.

2. Foldable rear seats:
Hatchbacks come with foldable rear seats. Just open the rear hatch, fold the back seats, and you have massive storage space for your luggage and other stuff. Hence, hatchbacks can offer more boot space than even a sedan with a separate boot if there is no passenger in the back seat.

3. Better mileage:
Hatchbacks usually have lesser kerb weight than sedans and SUVs. This directly has a positive impact on the fuel efficiency of the car. Also, hatchbacks usually have smaller engines than cars of other segments.
Hence, they provide better mileage than others and save a lot of money over a long period. SUVs usually have big engines and can be fuel guzzlers. Sedans can also have poor mileage due to their size and engine capacity.

4. Cost-effective:
Hatchbacks cost much less than SUVs and sedans. As these cars cater to the budget-conscious category, their spare parts are also reasonably priced. Hence, hatchbacks are easier to buy as well as maintain. Their running costs are much lesser than cars of other segments. They turn out to be cost-effective and pocket-friendly.
Sedans come with long, elegant, and stylish exteriors making them more expensive. SUVs, including compact-size ones, are heavier than hatchbacks and come equipped with bigger engines, making them more expensive than hatchbacks. The spare parts of sedans and SUVs are also costlier than hatchbacks. Their running costs, maintenance, and service charges are also higher.

5. Sporty:
Hatchbacks are usually sportier and more fun to drive than sedans and SUVs, especially in city traffic conditions. They come in various colours and designs and are considered practical alternatives to sports cars for everyday driving.

Hatchbacks are a preferred car segment for small families. Modern-day families also avoid buying long-sized sedans as the three-box design is of little use to them in their daily lives.

You may buy a car from any of the segments- a hatchback, a sedan, or an SUV, but you will have to go for motor insurance compulsorily in India. Driving without valid motor insurance can attract hefty fines and cancellation of your driving licence. Also, the motor insurance India policy protects you from any financial burden in case your car meets with an accident and needs repairs. The insurance company will foot the bills for you and bring your car back in shape. Hence, go for a good motor insurance India policy and stay secure.

Click HERE to buy a motor insurance India of your choice.

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.

Due to the extreme population density, everything in the country is crammed up and congested, which also applies to the roads. Driving on city roads or highways is complex and challenging. If you're learning to ride a two-wheeler, this article might be helpful for you.

In India, road accidents are frequently encountered. Every minute, a road accident occurs in some part of the city, which puts everyone at risk. The density of people per square foot of the road is way more than it is supposed to be. So much so that it exceeds the safety limits.

If you own a two-wheeler, the roads can leave you vulnerable and scared. You should keep many things in mind when driving through congested roads, and your safety comes at the top. You should also have a valid insurance policy to safeguard you and your two-wheeler. Research the best two wheeler insurance rate in India and purchase the policy that suits your needs and is within your budget.

Let us thoroughly look at the tips to keep you safe while driving across congested roads.

1. Do not lose focus:
Focus is extremely important while riding a vehicle. Avoid all distractions that can cause you harm while riding. Phone calls, music, or small talk with your fellow passenger can be distracting. It can lead to road accidents in a blink of an eye. Hence, it is best to avoid them all.

2. Keep an eye on the road:
Whenever you drive, you should keep an attentive and careful eye on the road, people, and other vehicles. Most people are not cautious while crossing the road, especially in market areas or other congested roads. This puts the responsibility on you to be extra alert. Look out for any pedestrians on the road when you ride your vehicle.

3. Do not over speed:
Over-speeding is one of the leading causes of road accidents and fatalities in India. Fast driving on a congested road can lead to disasters. It is advised to slow down as and when necessary. It is best not to put too much pressure on the accelerator as congested roads have comparatively lesser space to occupy vehicles and allow them to commute swiftly. Plus, the risk of colliding with pedestrians or street vendors is always high.

4. Plan your trip well:
You must have a clear idea of the route you're going to take. It is wise to sort out your route on maps before you begin your journey. You don't have to waste time and effort sorting a route in between your ride. Preferably avoid taking congested roads even though they might show the shortest route.

5. Maintain a safe distance:
You should maintain a distance from the other vehicles. Do not drive too close to other vehicles. The same is advised for people on the road as well. Maintain a safe distance from all to avoid accidents. Also, look out for the speed breakers and potholes carefully.

6. Follow traffic rules:
It is mandatory to follow all the traffic rules whenever you're on the road. Violating traffic rules can land you into several troubles, from penalties to even imprisonment. It is best to wear a helmet and carry all required documents during your ride.

These tips can help you make your way through congested city roads. If you are a new rider on the streets, you should always focus on the road and be attentive while driving. Additionally, you should also insure your vehicle with a valid insurance policy. The two wheeler insurance rate should be researched and found beforehand to help you make the best choice.

Click HERE to know the best two wheeler insurance rate to buy a comprehensive 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.

India's railway network is the fourth largest in the world after the USA, Russia, and China, with over 22,593 operating trains. Train journeys are exciting and add many experiences to our lives. Have you ever wondered what happens if your luggage gets lost or stolen from your seat or the railway station itself? Are you eligible to get compensation from the Railway authorities in such cases?

The answer is "yes". Let us go through how we can get compensation for lost or stolen luggage from the railway authorities.

1. File an FIR:
The first step that you should take once you discover that your luggage is lost or stolen from a running train is to file an FIR by approaching the train conductor, attendant of the coach, TTE, or any guard or GRP escort in the train. They will provide you with an FIR form in Hindi, English, or the regional language. You will have to fill it up and give it back to them. They will register a report at the upcoming railway station.
You do not have to pay any charges for this service. Also, you don't have to break your journey by getting down at the upcoming railway station to fulfil the above formalities. However, you can take help from RPF Assistance Posts present at major railway stations. This same process is to be followed in case of loot by dacoits in moving trains.

2. Post FIR:
Once you have filed the FIR for your lost or stolen luggage, the railway authorities will try to search and locate your luggage. If they are successful in doing so, they will contact you and give it back to you. If they cannot trace it within 6 months of lodging the FIR, they will have to compensate you for your lost luggage. They will do a fair assessment of the value of your luggage and compensate you accordingly.

3. Is ticket reservation compulsory:
No, you don't need to travel only in the reserved class to claim compensation for the theft of your luggage on the train. As per the direction of the National Consumer Disputes Redressal Commission (NCDRC), Railway authorities are liable to compensate you for the theft of your luggage even in the general compartment where you do not have any reservation but hold a valid ticket.

4. Case of booked luggage:
When you book your luggage with the Railways while travelling on a train, you can declare your luggage's true value. You will have to pay a prescribed percentage charge of the value of the goods as luggage handling charges to the Railways. In such a case, you are entitled to get the full value of your luggage as compensation in case it gets lost or stolen en route.
However, suppose you did not disclose the true value of your luggage while booking it. In that case, the monetary liability of the Railways for compensation is limited to INR 100/- per kilogram of goods booked.

Travelling by train is inevitable for most of us in our regular lives. Hence, it becomes crucial for us to safeguard our luggage during train journeys. We should be clear about the compensation policy of the Railways in case of lost or stolen luggage so that we can follow it and not suffer losses in case of theft or loot of our luggage.

General insurance India is also important to cover your luggage during your travel. Remember to add travel insurance to your safety while making railway bookings. Taking this small precautionary step can keep you in a relaxed state of mind and protect you from unexpected financial losses. You can also claim for mishaps while travelling, and your insurance provider will compensate you for the damage caused.

Click HERE to buy a general insurance India policy to cover your travel 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.

India ranks among the top 10 countries with the most two-wheelers in the world. Indian roads and highways are crowded with two-wheelers of all makes and designs running in different directions. This also means that you need to take great care of the vehicle that you ride on. It should have all the proper documentation. You will be compelled to pay a fine or compensation if you lack these documents.

Your bike insurance plays a pivotal role in the safety of your two-wheeler. You must renew your insurance from time to time to be free from any future problems. The expiry can result in a significant financial loss if it is not renewed. You may also be penalised for not adhering to valid insurance.

To prevent yourself from this mishap, you should be well aware of the expiry date of your bike insurance. You now have the option to know about the expiry date of your bike insurance online. The steps are hassle-free and doable.

Let's look at the ways and means to renew bike insurance online.

1. Visit the website of your insurer:
You need to go to the insurance company's website to look at your policy's expiry date. The steps are:

● Visit the website or app of the insurance company

● Sign in to your account

● Fill in all the important information and log in

● Go to the bike policy that you've opted for

● You will get all the information, including the expiry date

2. By VAHAN website:
VAHAN is the official website of the Ministry of Road Transport & Highways, Govt. of India, which keeps the records of all the registered vehicles in India. It has all the information about the insurance policies of these vehicles. The expiry date of your insurance can be easily checked on this website. The steps to follow are:

● Go to the VAHAN website

● On the designated field, enter the registration details of your bike

● Click on the button marked Proceed

● Go to the Services menu

● From the list of options, click on Additional Services

● When the new page is shown, enter all the details asked for

● Enter your registration number, chassis, engine number, and verification code

● Go to Verify Details

● An OTP will be sent to your registered number for verification

● Upon giving the information, you will see all the details, including the expiry date of your insurance

3. By Email:
Your insurer sends all the essential information, including policy documents, to your registered email ID. If you want to look at the bike insurance expiry date, you can simply search for it in your email inbox. Make sure it is the same email you used to register for the bike insurance.

4. Through RTO’s website:
For a country like India, RTO has all the given information as a record for all your needs. This also means that it has a track record of the expiry date of your bike insurance. You simply have to log in to the official RTO website and look at the process. Follow the steps to access all the information related to your bike. It also includes the expiry date of your policy.

5. State transport department website:
Most Indian states have introduced the new feature of checking your bike details online. The transport department of these websites has all the information you will need for your insurance policy. Go to the official website and enter the details to access the information you're looking for. You will have details of the expiry date as well.

These are some of the most effective ways to check the expiry date of your bike insurance. You should always renew bike insurance online to protect it against any accidents. Failing to renew your policy in time can make it null and void, and you won't be able to enjoy the benefits anymore. Damages incurred during this phase will not be covered by your policy, putting financial pressure on you.

Click HERE to renew 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.

There is no denying that health is one’s greatest asset. While health insurance policy renewal and purchasing a new policy can protect yourself from health contingencies, you can do plenty to maintain your overall health. Well-being professionals have come up with the key trends impacting how we live, heal, and flourish in 2023, such as the rising significance of rest or treatment to treat migraines and mood disorders.

1. Greater emphasis on purposeful actions and well-being:
Prioritising your overall well-being, which includes your physical, mental, social, and the well-being of the community and the planet has recently been recognised as a global trend. Research indicates that people will sensibly spend more time and money on how their actions affect their surroundings and the earth.

2. Teenagers and 20-somethings to appreciate immersive and healing sounds:
In 2023, it's anticipated that sound therapy will become more popular. Binaural beats, 3-D spatial audio, and isochronic tones are types of soundscapes that can stimulate and entrain the brain to reduce anxiety, induce relaxation and concentration, and speed up the healing process.
Therapeutic playlists are being created for use in clinical and hospitality contexts. ASMR is a spontaneous physical-emotional experience that causes a strangely pleasant feeling of relaxation and a tingling sensation at the back of the scalp and from there it moves down to the body. It has taken the world by storm and is continuously evolving.

3. Mind-body therapies for mid-20s to 40s:
Some ways to calm the body and mind are focusing on something, controlling your breathing, and moving around. Athletes have long utilised ice baths to treat muscle pain and inflammation. These treatments are known as cryotherapy and cold-immersion therapy.
Recent research has shown that they can also help lower blood pressure, regulate blood flow, and the rate at which tissues break down food. Migraines, mental problems, dementia reduction, and immune system stimulation are all treated by cold immersion therapy.

4. Taking ample rest is a priority for those in their 50s:
The theme of 2023 will be pausing and slowing down. People will favour restorative yoga and calming sound baths over HIIT (high-intensity interval training) sessions and the hustle culture. Additionally, sleep is being increasingly emphasised as the best form of self-care.
If technology has stolen your sleep, sleep technology will help you get eight hours of undisturbed sleep with its aids and devices. Choose from a wide range of applications offering sleep stories and meditations and download them to rest, reset, and revitalise.

5. Senior citizens to focus on spiritual well-being:
Spirituality is something that experts say people in their 60s and older should do for their overall health. Studies have shown that the most effective modern therapies help people build social support networks and, often, a spiritual connection to something bigger than themselves.
This new take on the idea of wellness is at the heart of integrative and functional medicine practices like yoga and meditation. For many people worldwide, religion and spirituality serve as both a valuable health resource and a means of community building. Current studies on meditation and well-being emphasise the importance of our spiritual welfare.

Wellness trends serve a greater purpose than just being a global movement. They can help you live better with aim and purpose. Ensure well-being your top resolution for 2023, and see how your life changes. While these trends can help improve the quality of your life, purchasing and ensuring health insurance policy renewal continues to be a non-negotiable to protect yourself from rising healthcare costs.

Click HERE to get your health insurance policy renewal before it lapses.

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.

As the Motor Vehicle Act specifies, every bike owner must acquire a third-party insurance policy. You may compare bike insurance online and choose the policy that offers the most value for your money while providing superior coverage. You can compare different plans with a hassle-free process.

Why is bike insurance comparison important?

Given the variety of bike insurance options available in the market, it is advised that you compare these options online before selecting the best policy for your motorcycle. Online comparison of plans across numerous categories is simple as more information is readily available. These comparisons assist you in choosing the bike insurance that offers you the most benefits at the lowest premium.

The best two wheeler insurance is a comprehensive 2 wheeler insurance plan because it covers both own damage and the legally required third-party bike insurance. Additionally, you can purchase any necessary add-on coverage to broaden the scope of your standard policy.

Here are the key elements you need to consider while evaluating various bike insurance options online.

1. Best coverage:
You may go through several bike insurance plans when comparing two-wheeler insurance online. The coverage may vary slightly depending on the insurance provider. You can pick the best protection that will work out well for you.
You should be aware that manually comparing bike insurance policies will take time. The best way is to research online and digitally compare different policies and their coverage before making the final decision.

2. Most suitable policy:
It's best to assess your needs before comparing bike insurance online. Because you will be clear on your plan's benefits, the purchasing process becomes faster. It enables you to choose the insurance policy that best fits your needs.
A comprehensive bike insurance plan is recommended for those who expect to ride their bike for a long time as it provides coverage for "own damage," and the third-party bike insurance. Your insurance provider will cover the cost of restoring the bike in the event of any damage.

This kind of insurance also provides a broad range of coverage, including protection against accidents, theft, fire, natural disasters, man-made disasters, third-party liabilities, and personal accident insurance for the bike's rider.

3. Customer support service:
Always keep customer service quality in mind when picking a bike insurance provider because it guarantees the prompt resolution of your complaints. Checking the insurer's social media pages for consumer comments, reviews, and ratings is a good place to start.
It is crucial to purchase the best coverage from a reputable insurer and the finest policy possible. Look for special services that an insurer provides, such as prompt repairs, easy pickups, helpful customer service, etc.

4. Network of service centres:
The availability of network garages is crucial for hassle-free bike repairs. You must consider the number of network garages listed under specific insurance if you want a cashless claim settlement for your bike.
Finding a nearby cashless garage during a road incident would be easier if your insurer has a nationwide network. Therefore, pick insurance with an extensive network of garages so you can benefit from quick, stress-free repair services and efficient claim processing wherever.

Don't forget to check out the chosen insurer's social media pages, brochures, and website. You will gain insight into the company's reputation. Check features like a quick, paperless, and efficient purchase & claim settlement process before concluding the deal. If you intend to purchase bike insurance online, you must abide by the aforementioned requirements to find an affordable and appropriate policy that meets your needs.

Click HERE to buy the best bike insurance for your motorcycle.

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.

Financial products and services are constantly evolving and adapting to changing market conditions and customer needs. The insurance industry is no outlier with the ultimate goal of increasing insurance penetration. It undergoes massive changes each year to use potential opportunities within the scope of the law to increase customer satisfaction and insurance awareness.

As we move into 2023, general insurance companies in India expect significant changes that will redefine the perception of insurance. While some align with predicted global trends, many are likely to contribute to domestic consumer trends and legal amendments.

Here is a quick rundown of some top insurance industry trends predicted for 2023!

1. Portfolio diversification through product innovation:
Increased product development innovation is expected globally to address the unique needs and risks of emerging technologies such as electric vehicles, smart cities, and the Internet of Things. Cybersecurity insurance is likely to continue as a highly demanded product. As the consumer-centric approach of the industry grows, diversification is expected to be based on evolving consumer needs.

2. Additional offerings:
Insurance companies may distribute other financial products as per the Finance Ministry's proposal. While the proposal is yet to be clarified, veterans speculate that the approved products could include allied insurance products, investment, or value-added services.
Insurance companies are set to benefit from their well-established distribution channels, adding to their revenue from a secondary source.

3. M&As:
A proposal to issue composite licences is also under discussion, opening up opportunities for general insurance companies in India to sell insurance policies, favourable mergers, acquisitions, and massive expansions in revenue and product portfolios.

4. Technology:
The use of technology, such as artificial intelligence and data analytics, will steadily increase and provide insight into customer behaviour and preferences. This offers an excellent opportunity to efficiently use human intervention and improve the efficiency and effectiveness of operations by harmoniously using digital and human efforts.

5. Digitalisation:
The pick-up of technological advancements has been slow across the global insurance industry, but this is expected to change in 2023. Insurers will invest in digital platforms and tools to provide personalised and convenient services to customers. Digital channels will likely be used for sales and service and to support underwriting and claim settlements.

6. Value-based brand building:
With the entry of new competitors amid an incoming global recession, insurance companies may have to rethink their approach to changing customer perception and stricter regulations. As consumers tightly clutch their wallets, companies will have to build greater awareness regarding their products and their significance amid uncertainties. This will build a connection based on values that their audience resonates with, including transparency.

7. New distribution channels:
With the rise of insurtech start-ups, the insurance industry is expected to see a boom of new distribution channels, such as online marketplaces, digital brokers, and comparison websites, making it easier for customers to access insurance products and compare prices.

8. Entry of new players:
The growth of the Indian insurance industry has largely been dependent on the Insurance Act of 1938 and the Insurance Regulatory and Development Authority Act of 1999.
The winter session of Parliament discussed proposed amendments, including the scrapping of the statutory requirement of INR 100 crore start-up capital for life, health and general insurance companies in India and INR 200 crore for reinsurance business. This move will likely result in new entrants in the market, increased competition, and possibly making premiums cheaper.

With increasing internet use, rural India is an untapped market that general insurance companies in India can explore through efficient digital channels that make insurance accessible.

Slated for rapid growth, the insurance industry will see several significant changes in 2023 as it adapts to new technologies and evolving customer needs. By focusing on global trends, digitalisation, and customer satisfaction, non-general and general insurance companies in India can curate a path to be at the forefront of the insurance industry's future!

Click HERE to buy a reliable insurance plan that fits your needs.

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.

Car insurance is a shield that protects your vehicle and your finances in case of accidents or any untoward incident involving your car. You pay a fixed sum annually, known as the insurance premium, for availing of the insurance company's services. As your policy approaches its expiry date, you must renew it by paying the premium.

There may be instances when you cannot pay the due insurance premium on time. You may be busy, unavailable, or not have the funds to renew it or simply forget to renew your policy. What happens to your policy, then? Does it expire and lapse? No. You might enjoy a special privilege known as the grace period, which prevents your policy from lapsing.

Let us know more about the grace period in car insurance.

1. Duration:
An insurance company usually provides a 15-30 days grace period from the expiry of your car insurance policy. However, it may differ from one company to another as per the policy's terms and conditions.

2. Charges:
Normally you don't have to pay any extra charges even if you renew your car insurance policy during the grace period. There may be a penalty if you do not renew your policy even within the grace period and do it after it ends.

3. Accrued bonus:
No-claim bonus (NCB) is the bonus amount accrued yearly in your policy if you do not raise a claim in that year. You get a discount on the insurance premium amount at the time of renewal of the policy, depending upon the NCB accrued to date.
Does this accrued NCB expire if you do not renew your policy in time? The answer is "NO". You can enjoy the benefit of your NCB even if you renew your car insurance policy during the grace period. However, the NCB may lapse and become inactive if you fail to renew your policy even within the grace period.

4. Claim settlement:
As we have discussed above, your car insurance policy will still be valid during the grace period. What happens if your car meets with an accident or gets stolen during the grace period? Will the insurance company entertain your claim now?
The answer is "NO" again. Your claim will be rejected simply because you did not renew your car insurance in time. Hence, it is crucial that you always renew your car insurance policy before its expiry date or as soon as possible because accidents come unannounced, even during the grace period. The entire purpose of having car insurance coverage will be defeated in such a situation.

5. Legal aspect:
According to the Motor Vehicles Act, it is mandatory to have a valid and active car insurance policy in India. Your car insurance is technically invalid if your insurance policy expires and you enter the grace period. Hence, legally you will be driving without a car insurance policy. The police will have the right to fine you and issue a challan if you're being stopped.

6. Inspection:
The car insurance company may again send an agent for the inspection of your car if you renew your policy after the grace period expires. In such a case, you will have to bear the inspection charges.

An active car insurance policy is essential as it safeguards you against any mishap involving your car and third-party liabilities arising from it. So why wait for the policy to expire first to renew it?

You should always renew your policy in advance, so your protection remains intact. You can easily opt to buy car insurance policy online and also renew it online later. Buying and renewing a car insurance policy online is fast, simple, secure, and 100% reliable.

Click HERE to buy car insurance policy 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.

Millions worldwide suffer from back or neck pain occasionally or regularly. A healthy spine is as essential for our body as oxygen is for living. Poor spine health can result in strained muscles, spinal ligament injury, ruptured discs, or spinal stenosis, generally caused by age-related wear and tear.

It can cause severe pain in the back and make you unfit to do your daily activities properly. In the long run, poor spine health can make you depressed and downhearted and cause immense psychological distress.

Hence, it is vital to maintain optimum spine health. Here are a few tips for doing the same.

1. Exercise:
Proper and regular exercise is essential for optimal spine health. Create and follow a simple exercise schedule every morning or evening as time permits. The exercises should stretch and strengthen your back, hamstrings, and abdomen muscles.
Targeted exercise under proper supervision can also reduce inflammation. It will accelerate your healing process and rehabilitate your injured spine.

2. Sitting and standing posture:
It is essential to maintain the correct sitting posture for optimal spine health. Your sitting posture should support the arches of the natural curves of your spine. Failure to do so can damage your sensitive spinal nerves and cause pain. Get a proper adjustable chair at the office and home to help you maintain the correct posture.
You should take regular breaks and stand several times daily to maintain a neutral spine alignment. Keep your back straight while standing. A slumped posture can hurt your spine in the long run. Also, frequent breaks will keep your spine in motion, keeping it flexible and limber.

3. Correct sleeping posture:
It is vital to maintain correct posture while sleeping as well for optimal spine health. Ensure that you have proper lumbar support with a good mattress and supportive pillow so that your back and neck are not strained while sleeping. You should also avoid sleeping on your tummy as it can strain your spine and cause injury and pain in your back.

4. Lift heavy objects properly:
It is important to lift heavy objects with proper caution and care. When you lift a very heavy object, you put tremendous pressure on your back and spine. It may lock your spinal joints or rupture your spinal discs. You should keep your back straight, bend down on your knees and use the power of your legs and abdomen muscles to lift a heavy load. This will reduce the load on your spine.

5. Do not over-exercise:
Do not over-exercise or engage in any activity or rough sports activities that can put unwanted pressure on your spine and hurt it. Consult a doctor immediately and take expert guidance if such a situation arises.

6. Yoga:
Performing yoga can be an excellent way to maintain optimal spine health. Several yoga asanas help to stretch and strengthen your back muscles, helping to keep your spine in good shape.

7. Massage and heat therapy:
Massage relieves back pain by improving blood circulation, restoring spinal motion, increasing endorphin levels, and boosting happiness. Also, massage helps to cure insomnia. You can also go for heat therapy for your back muscles. It increases blood flow and reduces muscle and joint pain around your spine.

Optimal spine health is a must for your fitness and overall well-being. If not maintained, it can lead to several back and neck-related problems resulting in difficulty while performing routine activities. Follow the above tips to maintain optimal spine health.

Other than the above tips, health insurance is a must to protect you from health hazards. It will give you comprehensive coverage and security if you require medical assistance and hospitalisation due to spine and back-related problems. Go for the best health insurance plans in India to enjoy the best medical treatment with hassle-free insurance coverage and protection.

Click HERE to invest in the best health insurance plans 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.

Besides its legal obligations, bike insurance can help you avoid paying heavy amounts for any damage, theft, or mishaps. But if you buy two wheeler insurance online, you must look for the various coverages the insurance policy provides. What if your two-wheeler catches fire because of an accident or other disaster? Will your insurance policy cover it?

Fire can cause minor issues, such as wire or seat damage, or even the total loss of your vehicle. Repairing significant damages or even a total loss may cost you a fortune, as you have to pay a considerable amount for repair or replacement. Thus, it would help if you had a bike insurance policy that offered you financial assistance for the damages caused by the fire. This quick guide will help you know whether your bike insurance policy covers fire damage.

Which two wheeler insurance covers fire damage?
There are three main types of bike insurance, but coverage of damages depends on the type of policy you pick. However, here is a list of bike insurance policies and the range of coverage that each policy provides.

Comprehensive bike insurance:
Comprehensive bike insurance is one of the most popular types of insurance due to its wide range of coverage, and it covers both own damage and third-party damages. Besides covering fire damage, this two wheeler insurance policy covers the following damages:

● Third-party injury

● Vehicle theft

● Accidental damages

● Third-party property damage

● Death of the third party

● Natural calamities damages

● Artificial calamities damages

Standalone bike insurance:
A standalone own-damage bike insurance policy only covers the damage to your bike. Here is the list of coverage this policy allows:

● Damage caused due to fire

● Bike theft

● Natural calamities

● Accidental damages

● Artificial calamities

Third-party bike insurance:
Third-party bike insurance offers coverage for the injury or damage of a third-party vehicle. However, this insurance does not cover the damages to your bike, including fire damage. But, having this policy is mandatory by law:

● Third-party injury

● Third-party property damage

● Death of the third party

Inclusions and exclusion of fire damage in two-wheeler insurance:
When you buy two wheeler insurance online, you must know the terms & conditions and the coverage for fire damage. Here is the list of inclusions and exclusions for fire damage.

Inclusions:

● Accidental house fire

● Natural calamities

● Riots

● Motor accident

● Vandalism

Exclusions:

● Fire damage due to mechanical or electrical defect

● Damage due to the addition of extra accessories

● Damage due to deliberate acts or own negligence

● Fire damage caused outside the specific geographical area

How to claim for two-wheeler fire damage?
If your vehicle is damaged due to fire and you have your bike insurance policy which covers fire damage. Then you must follow the below process to claim for such damages:

● Contact your insurance provider and inform them about the damage and its cause within 48 hours

● Collect various evidence, such as taking videos or pictures of the incident or the damaged parts of your two-wheeler due to the fire

● Visit your nearest police station and file an FIR

● Submit multiple documents such as address proof, identity proof, etc.

● Then the insurance provider will send a surveyor for an inspection of your case

● In case of minor repair or replacement, the insurer will offer you compensation

● In case of a total loss, the insurer will give you the amount as per the policy's terms

Documents required:

● Driving licence

● Identity proof

● FIR copy

● Registration certificate for bike

● Report of the fire brigade

Various reasons can cause fire damage, and it can be pretty disturbing for you to pay for the repairs or replacement of the damaged parts. Thus, it would be best if you had bike insurance covering the fire damage and providing you with the financial assistance you need during an emergency. It is best to buy two wheeler insurance online, browse through multiple options and research the one that offers comprehensive coverage, including fire damage. This way, you can efficiently ensure the longevity of your two-wheeler and stay financially sound.

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.

Bike engine damage can be severe and adversely impact you financially. Even though it doesn't break down often, fixing the engine can be expensive. An engine protection in your two wheeler insurance helps you in case of damage caused by water getting into the engine or oil leaking and making the engine non-functional.

You always have to select it as add-on insurance, as the comprehensive coverage does not cover the engine. For a little higher premium, you may rest easy knowing that you are protected financially if the insured bike's engine suffers damage.

The bike engine protection add-on covers the cost of repairing or replacing engine and gearbox components damaged by water intrusion, lubricating oil or coolant leaks, or a hydrostatic lock of the covered bike. The engine protection add-on is essential that you should consider when buying bike insurance.

The two-wheeler engine protection cover's advantages are as follows:

• It covers the cost of the bike's most expensive component - the engine

• Protection against physical harm caused by hydraulic lock to the engine and gearbox

• Financial protection against engine oil or lubricant leaks caused by water intrusion

• Provides monetary security

• Ideal for residents of flood-prone areas

The engine protection add-on does not cover the following items:

• Any maintenance or replacement due to normal wear and tear

• Repair or replacement of an internal part of the engine or gearbox because the driver was drunk, illegally racing, or the bike was driven while the driver's licence was invalid

• Damage or losses caused by engine corrosion

• The price of lubricants or engine oil

• Any claim made following the deadline for notifying the insurer of the incident

• Any claim in which engine parts were repaired or replaced without first notifying the insurance provider

• Any claims that are beyond the manufacturer's warranty

Do you need an engine protection add-on?
When you buy insurance from 2 wheeler insurance India, the "Engine Protection" is generally not covered. It is an advantage that is provided as an add-on. You should opt for this feature if you live in a region prone to flooding. For a small additional premium, you can relax knowing that the most expensive component of your motorcycle is covered and stop worrying about unexpected repair costs resulting from engine damage.

Who should purchase the engine protection option?
With a small cost on your annual premium, the engine protection add-on cover provides additional protection. For the following reasons, it would be best if you gave some thinking to get the bike engine protection add-on:

• If you have just purchased a new bike

• If you live in a flood-prone location

• If you want financial protection against significant damage to the engine parts

Understand that any damage to the engine's internal components can be expensive. To prevent unintended damage to the engine or gearbox components, check the engine oil level frequently. The bike should be serviced regularly as per the schedule, and you should change parts like the air filter and oil periodically to keep the engine running smoothly.

Avoid over-accelerating the engine because this could cause it to overheat and harm its internal components. Also, avoid buying duplicate parts during any post-damage repair. Lastly, buy a reliable 2 wheeler insurance India with an efficient engine protection add-on to enjoy an exceptional benefit.

Click HERE to buy the best 2 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.

Are you planning an adventure group trip on your motorcycle? Do you have all the necessary safety gear and insurance coverage in place? While helmets, protective clothing, and two wheeler insurance online in India are essential for any rider, have you considered bike-to-bike communication? On-road communication with fellow riders ensures a safe and enjoyable ride, especially for long adventures.

In this article, we will discuss why bike-to-bike communication is essential for safe adventure rides and how it can enhance your overall riding experience.

The importance of bike-to-bike communication
Riding a motorcycle on long adventures can be an exhilarating experience. Although, it can also be challenging, especially when you are riding in a group. When riding with a group, it is essential to maintain proper communication to ensure everyone's safety.

Bike-to-bike communication allows riders to stay in touch, share information, and coordinate actions. It is advantageous when riding on unfamiliar roads or encountering unexpected obstacles.

There are numerous benefits of bike-to-bike communication. For example, it allows riders to warn each other of potential hazards, such as potholes, gravel, or other obstacles on the road. It can also help riders to navigate tricky terrains and communicate directions.

Types of bike-to-bike communication
There are several ways to establish bike-to-bike communication. The most common method is through hand signals. Hand signals are simple and effective, and they do not require any special equipment. However, they can be challenging when riding at high speeds or in noisy environments.

Another way to establish bike-to-bike communication is through Bluetooth headsets. Bluetooth headsets are wireless communication devices that can be attached to the helmet. They allow riders to talk to each other through a built-in microphone and speakers. Bluetooth headsets are convenient, and they provide clear and uninterrupted communication. However, they can be expensive and may require a specific installation.

CB (Citizen Band) radios are another way to establish bike-to-bike communication. CB radios are two-way radios that allow riders to communicate with each other within a limited range. They are effective for long-range communication and are helpful when riding in areas with poor cell phone coverage. However, CB radios are bulky and require a power source, making them less portable.

The advantages of bike-to-bike communication
Bike-to-bike communication has several advantages that make it essential for safe adventure rides:
1. It can prevent accidents by enabling riders to warn each other of potential hazards on the road.
2. It can enhance the riding experience by facilitating social interactions and camaraderie among riders. Riding with a group is often more enjoyable than riding alone, and bike-to-bike communication can make the experience memorable.
3. Bike-to-bike communication can provide security and confidence when riding in unfamiliar territories.
Bike-to-bike communication is no longer a luxury but necessary for safe and enjoyable motorcycle adventures. By using a communication system, riders can remain connected and aware of their surroundings, enabling them to make quick and informed decisions.

Communicating with fellow riders can be especially important when encountering unexpected challenges on the road or when travelling in a group. By staying in constant contact, riders can reduce the risk of accidents, get help when needed, and stay on track toward their destination.

Whether planning a long-distance ride or just a quick trip with friends, having a reliable communication system will allow you to fully immerse yourself in the journey and enjoy the ride to its fullest potential. So, be sure to equip yourself with the right tools and enjoy the ride with peace of mind knowing you are fully connected and ready for unprecedented situations.

While bike-to-bike communication is crucial for safe adventure rides, it is not the only aspect requiring attention. Insurance coverage is also an essential component of any rider's safety toolkit. Two wheeler insurance online India provides financial protection against accidents, theft, and damage to the vehicle. In addition, it also offers third-party liability coverage, which protects the rider against legal liabilities arising from injury or damage to third-party property. Ensure your trip's safety by investing in reliable two wheeler insurance online India.
 

Click HERE to learn more about the benefits of purchasing two wheeler insurance online 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.

The MV Act, or the Motor Vehicles Act of 1988, regulates the legal environment surrounding motor vehicles. It states that every car owner must buy new car insurance after acquiring a new car or renew it immediately after its expiry. It is one of the three must-carry-along documents for drivers, including a PUC certificate and driver's licence. With increased regulations and growing awareness regarding the financial burden of shouldering expenses in case of an accident, the policyholder base of motor insurance has risen steadily.

Despite the importance of car insurance, it cannot be said to be a comprehensive policy. Some aspects are left out in the document's fine print and are available as add-on facilities. Therefore, while most people know the need to buy new car insurance, only some are aware of general exclusions.

A typical example is the consumables in car insurance, which is discussed in detail in this blog.

General inclusions under car insurance:

While each insurance company may offer a slightly varied version of car insurance, generally, third-party car insurance covers accidents that cause damages to other parties or their properties. Without such a policy, you will have to bear the losses and compensate the affected party.

A comprehensive policy has two aspects, a third-party car insurance policy and own damages cover. Thus, it provides enhanced protection against personal injuries and manmade and natural disasters. Since consumables are nowhere mentioned as included, it is implied that they are an exclusion from the policy.

Understanding consumables:

Consumables in accounting refer to assets used within the process and are sometimes held on standby for future use. The former part of the explanation applies to consumables in cars. These items are used in the general running of a vehicle and are subjected to continuous wear and tear.

Consumables in a car can be identified as brake oils, engine oil, lubricants, refrigerant for AC, ball bearings, nuts, screws, bolts, washers, etc. In simpler words, they aid in the efficient running of the vehicle without forming a large chunk of the cost and are put to use regularly, which is why they deteriorate faster than other car parts.

Consumables insurance:

While consumables may not appear to be a prominent aspect of the relevant cost incurred in purchasing a car, they play a crucial role in the proper functioning of the vehicle and must be noticed. It is prudent to insure your car's consumables to prevent any financial losses you may have to bear due to improper condition of consumables.

Although not included in comprehensive insurance, insurance companies provide the facility to select add-on consumables insurance by paying an additional premium for the service.
Add-on consumables insurance covers expenses incurred for replacing items like engine oil, brake oil, steering oil, coolant, AC gas, refrigerant, dust filters, air filters, engine filters, bolts, nuts, washers, screws, grease, etc. It is important to note that consumable insurance is usually provided for cars not used for more than five years.

Exclusions of consumables insurance:

It is a specific add-on insurance type that only covers relevant costs relating to consumables. The general conditions to claims are similar to any other car insurance or allied add-on facility. In the following conditions, the claim is not admissible:

● Driving without having a valid driver's licence

● Driving under the confluence of substances or liquor

● Misuse of personal vehicle for commercial use

● Prolonged delay in informing the insurer regarding the replacement of consumables

● Misuse or overuse of policy to claim the maximum benefit, as against a rational person's actions

Consumables play an essential role in a car and must be considered when you buy new car insurance. The policy is purchased by fulfilling common conditions similar to car insurance. It helps file a claim for replacement costs of consumables by informing the insurer.

Click HERE to buy new 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.

Summer is a time for fun and outdoor activities, but allergies can become a spoilsport for many people. Various allergens can thrive in higher temperatures and humidity levels, causing people to experience allergic reactions. Pollen, mould, insect stings, food, and sun allergies are among the most prevalent summer allergies. Sneezing, runny nose, and more severe reactions like anaphylaxis are just a few of the symptoms that these allergies can produce.

Here's something you must know for your relief. Buying a health insurance policy for family covers various medical costs, including those incurred because of allergies. Depending on the policy, doctor visits, prescription drugs, diagnostic tests, and hospitalisation may all be covered.

Here, we'll go into detail on the symptoms of the most prevalent summertime allergies. Understand these symptoms so that you can work out the remedies to prevent the situation from getting worse.

1. Mould allergies
Mould is a fungus that grows well in warm, moist places like restrooms, basements, and air conditioners. The summer months bring higher humidity levels, perfect for mould growth.

Inhaled mould spores have the potential to cause following allergic responses.

● Runny nose
● Itchy eyes
● Skin rashes
● Coughing
● Wheezing

Mould allergies occasionally result in respiratory issues or sinus infections that can disrupt your routine.

2. Sun allergies
Sun allergies are common during summer. The most common cause of sun allergies is an immunological response to the sun's ultraviolet (UV) radiation that results in an allergic reaction.

Sun allergy signs and symptoms include:

● Itching
● Swelling
● Burning sensation
● Redness, rash, hives, and blistering on the skin
● Headache

Sun allergies may occasionally result in fever and chills. Covered skin, a hat, an umbrella and sunscreen can be effective when heading out in the sun.

3. Pollen allergies
Hay fever and allergic rhinitis are additional names for allergies to pollen. During the reproductive process, plants release pollen. It can trigger an allergic reaction in certain people when inhaled. Symptoms can vary in severity depending on the individual and the type of pollen that causes the reaction.

Pollen allergies can cause these symptoms:

● Congestion
● Itchy and watery eyes
● Sneezing
● Fatigue
● Runny nose
● Throat irritation
● Headache

Pollen allergy episodes and breathing difficulties might occur in extreme situations. If
you are susceptible to pollen allergy, wear a mask when heading out.

4. Food allergies
Food allergies can occur during the summer, a season for picnics, barbecues, and outdoor dining.

Food allergies can cause these symptoms:

● Abdominal pain
● Diarrhoea
● Nausea and vomiting
● Anaphylaxis (a severe, life-threatening allergic reaction)
● Itching, swelling, and hives
● Difficulty breathing

Those with food allergies must remain cautious to prevent unintended exposure to allergens.

5. Insect sting allergies
Bug stings are common in summer months as Insects like bees, wasps, and hornets are more active.

Among the signs of an allergy to bug stings are:
● Dizziness
● Difficulty breathing
● Nausea and vomiting
● Diarrhoea
● Swelling, itching, redness, and pain around the sting area
● Hives

Preventing summertime allergies
You should take precautions to lower the risk of allergy reactions. Consider the following tactics:
● Verify the pollen count: Daily pollen counts for your location are available on many weather websites and apps. Before scheduling any outdoor activities, check the pollen count. Try to stay inside during periods of high pollen.
● Utilise air conditioning: The air conditioning in your house might help filter out allergies. Use a HEPA-filtered air conditioner to keep allergens out and close the windows and doors.
● Know what triggers you: Determining which allergens cause your symptoms is the first step in preventing summer allergies. This can apply to meals, pollen, mould, bug stings, etc. When you are aware of your triggers, you can take precautions to prevent them.
● Maintain a spotless home: The number of allergens in your home can be decreased with routine cleaning. Keep the carpets and upholstery clean, and wash your bedding and curtains frequently.
● Putting on protective clothes: Wear long sleeve shirts and slacks when you're outside to shield your skin from bug bites and sunburn. Pollen exposure can also be decreased by donning a hat and sunglasses.
For many people, having allergies in the summertime can be unpleasant. Sneezing and a runny nose are subtle symptoms. Anaphylaxis is a more severe symptom. It's essential to know your triggers, take precautions, and consider immunotherapy to prevent summertime allergies. Also, speaking with a healthcare professional about allergy prevention and treatment is essential. It is also crucial to have an appropriate health insurance policy for family. A comprehensive health insurance plan can help you and your loved ones stay protected from the financial adversities that may arise due to health emergencies.

Click HERE to buy a health insurance policy for family.

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.

Wellness is one of the most important priorities in life. It revolves around the complete well-being of mental, physical, and emotional states. Through wellness, the needs of the body and mind are met completely. It helps you achieve a state of rejuvenation. It is essential to experience a sense of solitude once in a while to fully detoxify your mind and body.

When you work excessively, your body gets tired after a point. It can lead to burnout or emotional breakdown. You need to take a detour and calm yourself down to avoid this. This can be achieved by escaping city life's hustle and restoring energy and enthusiasm at some peaceful locations. Wellness retreats with the abundance of nature, serenity, and greenery have a calming effect on you.

In this article, we recommend some of the popular wellness retreats in India that you should visit at least once a year to enjoy a digital detox and revitalise yourself. Before you go on your vacation, get the best personal accident insurance India to protect yourself from financial loss due to accidents during the trip.

Now, let's look at the destinations to enjoy a wellness retreat.

1. Rishikesh, Uttarakhand
Known as the spiritual capital of India, Rishikesh is full of nature and positive vibes. There is a sense of tranquillity that surrounds this place. The riverbeds, ashrams, and valleys provide breath-taking sights and perfect locations to practise yoga and meditation. You can also attend the morning and evening aarti by the riverbank. This life-enriching experience immerses you in a deep sense of positivity.

2. Orchha, Madhya Pradesh
Once the capital of the Bundel state, Orchha is an underrated wellness destination in India. It has a collection of royal and eloquent monuments. The Orchha Fort is the main attraction, allowing you to relax and unwind. Spend the evening strolling by the side of Betwa river and behold the amazing sunset. If you are an adventure seeker, don't miss the river rafting or board the jungle safari for an exciting wilderness expedition.

3. Kovalam, Kerala
Famous for its Ayurvedic treatment, Kovalam is worth visiting in Kerala. There is a rich spice and team plantation that makes Kovalam a paradise. Surrounded by green vegetation, backwaters, and sea, it is a perfect setting for a never-like-before healing experience. Rejuvenation seems a sublime luxury here. You can do yoga or meditate and try stress and weight reduction treatments at some world-renowned Ayurvedic centres.

4. Darjeeling, West Bengal
Known as the "Queen of the Hills," Darjeeling should be on your wellness retreat's wishlist. The greenery of this place will give you the much-needed comfort. With hills all around and rustic villages, Darjeeling is a perfect place to discover happiness. The tea plantations and the scenic view of the Himalayas are to die for!

At least once a year, you need a definite break from your monotonous life to immerse in moments of joy. You can visit these picturesque destinations to experience the much-needed comfort and warmth you crave. While planning a relaxing break from the tiring city life, buy the best personal accident insurance India to protect you financially against mishaps.

Click HERE to buy the best personal accident 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.

Alternative forms of medicine have been gaining popularity in recent years due to their holistic approach toward healthcare. India's traditional and complementary medical systems are Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy (AYUSH). These systems have been practised for centuries and aim to provide natural remedies for ailments, emphasising the use of herbs, natural products, and traditional practices.

AYUSH treatments are not only affordable but also have fewer to no side effects as compared to conventional medicines. These treatments focus on an individual's overall well-being and help prevent illness recurrence in the long run. Does your health insurance cover AYUSH treatments? Let's discuss this in detail in this blog.

The following are some aspects of AYUSH treatments:

1. Ayurveda
Ayurveda combines herbal medicines, dietary changes, and lifestyle modifications to treat various ailments. It helps maintain a balance between the mind, body, and spirit. It emphasises that the root cause of most diseases is an imbalance in the body, which can be corrected through natural remedies.

2. Yoga
Yoga is an ancient practice. It is a very active way to channelise your energy and combines physical postures, breathing exercises, and meditation to promote overall health and wellness. It helps in relieving stress, anxiety, and depression. It also helps in improving flexibility, strength, and balance. You'll strengthen your core with the right yoga practises.

3. Naturopathy
Naturopathy is a medicine system that believes in the body's natural ability to heal itself. It uses natural remedies such as herbs, diet, and lifestyle modifications to promote wellness. Naturopathy aims to identify the root cause of an illness and treat it rather than just fixing the symptoms.

4. Unani
Unani medicine is a medicine system that finds its roots in ancient Greece and later developed in Persia and India. It focuses on the balance of bodily fluids. To treat illnesses, Unani medicine uses natural remedies such as herbs, diet, and lifestyle modifications.

5. Siddha
Siddha medicine is a system that originated in South India. It functions on principle: the human body comprises five core elements - earth, water, fire, air, and ether. Siddha medicine uses natural remedies to combat health problems and boost the body's immunity.

6. Homoeopathy
Homoeopathy is a branch of medicine that believes in "like cures like." It uses natural remedies, primarily diluted in water, to stimulate the body's natural healing process. Homoeopathy intends to provide treatment for the fundamental reason of an illness rather than just the symptoms.

It's essential to have the best health insurance in India that covers AYUSH treatments for several reasons:

1. AYUSH treatments are often more affordable than conventional treatments, making them a viable option.
2. AYUSH treatments are based on natural remedies and have little to no side effects.
3. AYUSH treatments focus on the overall well-being of an individual, which means that they can prevent the recurrence of illnesses in the long run.

When searching for the best health insurance in India, consider the ones that provide coverage for AYUSH treatments to reap its benefits. It's important to note that AYUSH treatments should not replace traditional medicine and its conventional ways but as complementary treatment options. Always consult a qualified healthcare professional before undergoing any AYUSH treatment.

Also, coverage for AYUSH treatments may vary depending on the policy and the insurance provider. Some policies may only offer coverage for specific treatments, while others may have a limit on the amount of coverage available. It is, therefore, important to carefully review the policy terms and conditions to understand what is covered and what is not. Choose the best health insurance in India which serves your needs and avoids venting your pockets during an emergency.

Click HERE to learn more about the benefits of purchasing the best health 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.

Spending time with your family is an underrated form of therapy. It is the need of the hour with busy schedules, building work pressure, and the growing need to perform better and be indispensable at your workspace. However, with such heightened expectations, burnout is inevitable. In such times, a getaway with your loved ones works like a charm to rejuvenate yourself and develop stronger bonds.

The New Year is the perfect time to plan a vacation with your family. With schools, offices, and other institutes allowing winter break, it is the ideal time to explore a new destination or revisit old memories at a place you've been to. However, deciding the place is always the most challenging part.

Are you looking for adventure, tranquillity, or immersive activities? No matter your requirement, we've got it all covered in our list of the best places to enjoy your new year vacation in India. Always purchase general insurance to cover any accidental losses during your travel.

1. Ooty, Karnataka:
If you want to celebrate quality time with family amidst nature and live in the present rather than party, Ooty is the best destination for your vacation. Its lush greenery, plantations, multiple lakes to experience boating, quaint architecture, and pleasant weather make it a great place to picnic and relax.

2. Auli, Uttarakhand:
A must-visit for adventure enthusiasts and nature lovers alike, Auli has gained popularity over the years. The hill station hosts various skiing competitions during the winter months, making it the best time to try your luck at the sport.

3. Sikkim:
While the Northeast ravishes over the snow in the mountains, the region is also home to vast greenery and some exhilarating activities for the entire family. Boasting lush valleys, deep-rooted heritage, and the awe-inspiring beauty of nature, Sikkim also has Tibetan influence, making for an extraordinary cross-cultural experience.

4. Goa:
It is not a stretch to call Goa as the country's party capital. Gifted with long beaches, Portuguese-influenced cuisine, and party spots like no other, Goa has something to offer for people of all age groups with varied interests. Plan the most thrilling New Year bash with family and friends on the vibrant coastline of Goa and immerse yourself in an unmissable travel experience.

5. Udaipur, Rajasthan:
While Rajasthan is a popular place to visit in the winter, the footfall during the New Year celebrations is exceptionally high. Home to beautiful handicrafts, expanses of desert, well-preserved ancient forts, and rich culture, Udaipur gives off a royal feel and provides the best Rajasthani cuisine that caters to the diverse tastes of travellers from all parts of the nation.

6. Pondicherry:
Also known as Puducherry, a stay in the city provides the best of all things you may wish to experience. You can find adventure sports, quaint streets, beautiful French-influenced architecture, and the Auroville, all in the same place.

7. Malvan, Maharashtra:
Malvan is the best place to visit if you love beaches but wish to avoid crowds and enjoy a more private celebration with your family. The town boasts of providing similar experiences as Goa during the New year celebrations, but at a smaller scale. You can enjoy a happening time savouring lip-smacking Malvani cuisine and enthralling water-sports activities.

A new year vacation is the best way to bid farewell to the year that went past and reminisce memories while preparing for the upcoming year. Our recommendations include various options for people of different interests that allow you to spend cheerful time with your family, engage in authentic experiences, and enter the new year with a blast. Before choosing the location, always ensure that your general insurance provides robust travel coverage against the contingent expenses you may incur in case of any mishaps.

Click HERE to buy a reliable general insurance policy.

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

Awareness and enthusiasm about health and wellness have constantly been growing in the country, and people of all ages are paying heed to it. While the increased interest in comprehensive and affordable health insurance plans is a welcome preventive measure, we must not forget simple changes that can help maintain one's health.

Today we'll address one of the overlooked secrets of the health benefits of herbs! Herbs are the leafy part of the plant, used in cooking and as medicines. Herbs can add natural flavours and colours to any drink or dish. Besides cooking, herbs are an excellent way to prevent many health problems.

Health benefits of herbs
Consuming herbs may prevent the risks of heart disease, cancer, and diabetes. It also helps to reduce blood clots and has anti-tumour properties. Various herbs offer health benefits, some of which are mentioned below:

● Garlic and lemongrass may help prevent cholesterol
● Fenugreek may help to control blood sugar
● Some herbs, such as garlic, onion, mint, and basil prevent cancer
● They are also rich in antioxidants, which help reduce low-density lipoproteins
● Fresh herbs contain more antioxidants as compared to dried herbs

Top herbal medicines to prevent health problems
According to the World Health Organization, 11 percent of medicines prescribed worldwide are exclusively of plant origin. Herbal medicines are the traditional way to treat many health diseases.

In today's time, plants can help treat several health issues, including cough, cold, allergies, wounds, fatigue, skin infections, and even cancer. These herbs are less expensive and the safest treatment method. And that is why people choose a traditional path for their treatment because it has no side effects. Herbal medicines offer a natural way of using plant substances to treat illnesses.

The top herbal medicines to prevent health problems worldwide are given below:

● Garlic: It contains numerous nutrients and mainly helps treat diabetes and boosts the immune system. It also helps to regulate blood pressure, fight fungal allergies and infections and improve hair loss.
● Ginger: It relieves indigestion and nausea, reduces pain and stomach ulcers, and boosts the immune and respiratory systems.
● Turmeric: Turmeric has a very long history of medical use. It is known to be the most beneficial traditional way to treat illnesses. It has many health benefits, such as preventing blood clots, fighting depression, managing diabetes, and even fighting cancer.
● Aloe Vera: It is mainly used for constipation, skin diseases, and infections and is a natural remedy for colic. It can soothe rashes and skin irritation and treat burns, which is also beneficial for hair loss and scalp.
● Feverfew: It treats fevers, headaches, stomach aches, insect bites, infertility, and problems with menstruation and labour pains. It has a pain-easing effect.

Why should you choose herbal medicines?
● It is more affordable as compared to other conventional medicines
● We don't require a doctor's prescription for these herbal medicines
● They help deal with many health issues like depression, weak immune
medicines, prostate problems, and cardiovascular diseases.
● They have no side effects and are the safest way to treat illnesses

Herbal medicines are emerging as prominent medicines, growing their roots in every culture worldwide. These medicines are the oldest form to treat health problems naturally. There are some well-known herbal medicines like traditional Ayurveda medicine. These herbs contain many natural ingredients to treat mild diseases and help reduce symptoms.

Despite their ubiquitous use of herbal medicines and safety in treating health issues, many other health concerns require proper medical attention and diagnosis. For this, research and purchase affordable health insurance plans. Health insurance is the financial safety that protects you and your family from medical emergencies. Do thorough research, compare different policies, and buy the one that fits your budget and fills your criteria.

Click HERE to browse 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.

You don't always have to hate travelling if you have to go through airports. With art galleries, rooftop pools, movie theatres, and live music all airside, some airports can even get you in the festive spirit before you get there.

Sometimes long waiting hours due to a delayed flight or extensive layovers can make you physically and mentally exhausted, especially if you travel with kids. These mini frustrations can be a spoilsport and ruin the excitement of your international trip or business tour.

But you need not have to worry much. Several airports worldwide have numerous exciting amenities and entertainment options that can entice you as a curious traveller and pass your time enjoying their mystic charm. Let's look at the coolest airports you want to visit once.

1. Airport Changi, Singapore:
The world's tallest indoor waterfall and a forest can be found in Jewel, a new complex open for tourists and air passengers inside the Changi airport. It features sky nets for climbing through treetops, canopy mazes, and misty clouds that enchant individuals of all ages. Because the airport is a destination in and of itself, the kids are sure to enjoy a cheerful time.

2. Gisborne Airport, New Zealand:
In India, level crossings are typical at rail-road crossroads, but this one in New Zealand's North Island goes a little too far. The main runway directly crosses the Palmerston North–Gisborne Line rail-road route. And keep in mind that it is an official public airport. Visiting this airport is a wondrous opportunity to witness this unbelievable marvel.

3. Kansai International Airport, Osaka, Japan:
The thrill of this airport is that it is constructed on an artificial island and is visible from space! Despite the significant risk of earthquakes and hurricanes, Renzo Piano, an Italian designer, built this man-made island to house the airport. It is a distinguishable feature on the oceanfront as you approach from above and is connected to the mainland by just one Sky Road. Sounds interesting, isn't it?

4. Vancouver International Airport, Canada:
In addition to two enormous marine displays run by the city's aquarium, Vancouver's massive airport has plenty to keep waiting passengers occupied. Various marine life native to British Columbia, including wolf eels, sea urchins, and orange cup corals, call the largest tank, measuring 114,000 litres, their home.

5. Agatti Aerodrome, Lakshadweep, India:
It appears to be a narrow sliver of land sticking out of the azure oceans, but it is the Agatti Airport in Lakshadweep. The sole one serving the Lakshadweep islands was made for the Dornier 228 class aircraft. To accommodate an Airbus 320 or Boeing aircraft, the Airports Authority of India plan to extend the runway to the nearby island of Kalpati.

6. Ibrahim Nasir International Airport, Maldives:
The airport's runway serving Male, the capital of the Maldives, is encircled by water on all sides, making it one of the few airports in the world to occupy a full island. The entire airport scene is more like a breathtaking experience, with turquoise and emerald water bodies encompassing the airport.

7. Kuala Lumpur International Airport, Malaysia:
This airport is among the few who claim they are home to a jungle. A wooden boardwalk leads into a lush rainforest in the centre of the terminal, and there is even a waterfall along the way. The Malaysian flora is sure to spellbound travellers with its distinct charm.

As you read, these international airports are much more than just airports! These are fantastic ways for travellers to deepen their knowledge, boost excitement, and open wide exploration opportunities that assure a profound travel experience. Just as fun is an important element of a travel plan, similarly safety is an aspect that cannot be overlooked. Especially when travelling with family, it becomes more crucial to have comprehensive coverage of general insurance India to protect against any damage or loss incurred during travelling.

Click HERE to buy 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.

One of the most significant decisions an individual makes while buying a car is the kind of gear transmission. This confusion between opting for an automatic or manual transmission is valid, as both have their list of advantages. But did you know this decision also predominantly affects the premium you pay for your motor insurance? Car insurance is an important factor when deciding on a vehicle. Here is some crucial information about car insurance before considering the type of transmission to buy.

Automatic transmission v/s Manual transmission
First and foremost, knowing the difference between automatic and manual cars is essential. Manual cars require more driver input than automatic cars. Manual cars have five to six gears and one reverse gear, which the driver must manually operate with a gear stick and clutch. This is to enable the car to move forward or backward.

Under normal driving conditions, a car with automatic transmission requires little to no driver input to change its gears equipped with the ever-evolving ECU (Electronic Control Unit). It is a smooth and enjoyable experience.

Some people prefer manual cars as they are more fuel-effective and cheaper, giving the driver a budget-friendly output. But these days, with the growing traffic and difficulty in driving, many individuals have started preferring automatic transmission cars.

Another factor to consider when weighing the pros and cons of the matter is that the insurance premium of an automatic car is slightly higher than a manual car premium. However, car premiums are affected by several other factors as well.

1. Complexity in structure
While manual transmission requires changing the gears by operating the gear stick, the automatic transmission uses an ECU. The ECU changes the gears intelligently using fluid pressure. This greatly simplifies the process of driving but complicates the gearbox. Since the repair and replacement cost of the transmission components is relatively high, the car premium is also higher. Therefore, the complexity of the gearbox is one of many factors affecting car premiums.

2. Location
People in metropolitan cities generally prefer automatic cars over manual cars, but manual transmission cars are a top choice in smaller towns.

Also, there were more cases of theft and accidents in larger cities. This affects car insurance premiums, as an automatic car would require more premium in a bigger city than in a smaller city, owing to the high risk of accidents and theft.

3. Cost of the car
The price of the vehicle and its components directly affects the insurance premium. As automatic cars are more costly in the market than manual car transmission options, it is reflected in the premium for your car insurance.

4. Factoring the model, age, and brand

The car's manufacturer, model, and features also count when deciding on the premium. Luxury cars' premiums will undoubtedly cost more than regular cars. Also, you may spot a difference in the car premium based on the multiple automatic variants of the cars. You need to acquaint yourself with the right knowledge while purchasing car insurance.

Once the decision of the type of gearbox is finalised, you can quickly proceed to plan your car insurance. One way to look at all options is to look at comprehensive car insurance online. Browse through various sites, compare policies, and find multiple offers. Purchase car insurance that fits your requirements and budget. Don't make any decisions in a hurry. Do proper research and then invest in the best.

Click HERE to know more about car 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.

Indian insurance companies offer two types of bike insurance validity- single-year and multi-year bike insurance. As the name suggests, you have to renew single-year bike insurance annually. Multi-year bike insurance is valid for more than a year, usually for two, three or five years.

Both types of bike insurance have their advantages and disadvantages. Let us understand the difference between multi-year and single-year bike insurance.

1. Renewal and convenience:
A single-year bike insurance policy has to be renewed every year. You have to keep track of the policy's expiry date and get it renewed either online, through an agent, or paying at the insurance company's office directly.
A multi-year bike insurance policy has to be renewed after a much longer period, usually two or three years, and even up to five years. Hence, it provides a lot of ease and convenience as far as the hassles with renewal are concerned. You do not have to worry about the policy renewal date for long once you have renewed it for multiple years in one go. Such policies provide enhanced lapse protection cover because they do not lapse every year but after a couple of years or more.

2. Pricing:
Technically, the pricing between a single-year and multi-year bike insurance is proportionately similar. However, differences in pricing may arise because of the impact of inflation and the government's taxation policy.
Suppose the impact of inflation is high, and the economy is seeing an upward trend in the prices of commodities over a long period. In that case, the single-year bike insurance premium, too, is bound to go up at the time of renewal. Moreover, if the government increases the tax rate on the renewal premium, you will also have to pay more on account of taxes.
This is not the case with your multi-year bike insurance premium. You pay it in one go for several years at the current price rates. Hence, you are saved from experiencing any upward movement in insurance premiums because of inflation. Also, any increase in tax rates on insurance premiums will not affect you in the case of multi-year bike insurance.

3. No-claim bonus:
Your multi-year bike insurance policy provides you with a higher NCB discount rate than a Single-year insurance policy. This brings down your insurance premium significantly. However, please remember that every insurance company has its distinctive NCB calculation, and the NCB amount can vary from one insurer to another.

4. Insured Declared Value:
In the case of a single-year bike insurance policy, you can check and regulate the IDV of your vehicle every year at the time of renewal of the policy. Hence, you can pay a little more premium and enjoy a higher valuation of your bike.
But the IDV is fixed for the entire policy duration in the case of multi-year bike insurance. You cannot change it in the middle of the policy and may not be able to achieve the highest possible valuation of your bike in this case.

5. Financial burden:
The financial burden on any person is more in the case of multi-year bike insurance than single-year bike insurance. You have to pay the premium for several years in one go in the case of multi-year bike insurance. This may prove a bit harsh on your pocket, especially if you are already facing financial distress.

Single-year and multi-year bike insurance have their unique advantages and disadvantages. An easy going person who wants to stay free of the stress of renewal of the policy every year should opt for multi-year bike insurance. A person who wants to keep a check on add-ons and offers provided by their insurance company every year should opt for single-year bike insurance.

No matter which type of insurance you choose, opt for buying your bike insurance online and enjoy service, variety, and great discounts at your doorstep with simple clicks.

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.

Wearable devices have become increasingly popular over the years and are changing how people interact with their health. These devices, such as smartwatches, fitness trackers, and other health monitoring gadgets, are worn on the body. They have sensors that collect and transmit data to a smartphone or a computer. The data collected can be used to track and monitor various aspects of health, including physical activity, heart rate, blood pressure, and even sleep patterns.

Health insurance providers have recently begun incorporating wearable technology into their policies. This integration has led to innovative insurance plans that reward policyholders for maintaining healthy lifestyles. Wearable technology is making health insurance more personalised and data-driven. The data collected from these devices can be used to determine premiums, offer discounts, and develop wellness programs tailored to the individual policyholder.

Wondering how the wearables can make your health insurance cheaper? This blog will provide more insights into the topics.

1. Incentivising healthy behaviour
Wearable technology can track an individual's physical activity, heart rate, and other biometric data. Insurance providers can use this data to incentivise policyholders to engage in healthy behaviours. For example, policyholders who reach specific health goals, such as achieving a target step count, can receive discounts on their premiums. This incentivises policyholders to maintain a healthy lifestyle, leading to lower healthcare costs and reduced insurance premiums.

2. Accurate risk assessment
Wearable technology can provide insurance providers with accurate and real-time data on a policyholder's health. This data can be used to assess the risk of chronic diseases and other health adversities. Policyholders can avoid expensive medical procedures by addressing health issues before they become chronic, reducing healthcare costs, and lowering insurance premiums.

Wearables provide insurers with a wealth of data that can be used to create more personalised coverage for policyholders. Insurers can use this data to identify potential health risks and offer targeted coverage for these conditions. For example, a policyholder who has high blood pressure may be provided coverage that includes more frequent check-ups or medication management.

3. Improved disease management
Wearable technology can also help policyholders manage chronic conditions. For example, a wearable device can track blood sugar levels in individuals with diabetes. Insurance providers can use this data to develop personalised treatment plans and monitor a policyholder's progress. Policyholders can avoid costly hospitalisations and emergency room visits by managing chronic conditions more effectively.

4. Reduced fraud and welcoming exciting offers
Wearable devices track a policyholder's physical activity, heart rate, and other biometric data. Insurance providers can use this data to verify a policyholder's claims and ensure no scope for fraud. A significant benefit of wearing wearables for health insurance is lower premiums. Insurers can offer discounts or rewards for meeting specific health goals or participating in wellness programs. This not only benefits policyholders but also encourages them to lead healthier lifestyles.

Wearables have revolutionised the healthcare industry, allowing for more personalised and data-driven healthcare services. The integration of wearables in health insurance programs has made it possible for insurers to understand their policyholders' health better, leading to better risk assessment and lower premiums.

With technological advancement, we expect to see more innovations in the healthcare industry, and wearables will undoubtedly play a significant role in improving health insurance programs for all. Explore all available options and choose the health insurance that caters to your needs optimally.

Click HERE to learn more about the benefits of purchasing 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.

If you've driven a car with manual steering, you must know how difficult it can be. Power steering is an advanced mechanical device fitted in your vehicle that helps you turn the steering wheels effortlessly.

But very few car drivers know the significance of warning lights appearing on the dashboard. When the warning light for the power steering system in your automobile comes on, you should be concerned since that usually means the power steering system is broken, making it extremely difficult to drive the vehicle.

What turns on the power steering light?

Low fluid level is the most frequent cause of the power steering warning light for vehicles with hydraulic power steering. A leak in one of the tubes can be a primary reason. When your power steering light turns on while driving, it'll be wise to slow down and park your car safely. Just be extremely careful because your steering will be considerably heavier at this point.

Open the bonnet to find the reservoir for the steering wheel fluid. There might be a picture of a steering wheel on the reservoir cap. If not, refer to your owner's manual to locate it.

Examine the liquid level. Before continuing your journey, you should top off the reservoir if it appears to be getting low. If you likely don't have any, visit your neighbourhood car service centre to buy some.

Start your engine after topping off the power steering fluid. You may continue travelling if the warning light doesn't turn on again. If the power steering light is still on, there may be a more significant issue. You should get your vehicle checked at a nearby garage or service centre to inspect the actual problem.

What if an EPS light appears?

Cars without hydraulic power steering will activate the EPS system, which stands for electronic power steering. If your car's EPS warning light glows, diagnosing the problem could be more difficult because there won't be any fluid levels to examine. You should carefully check all the connections to the battery for signs of wear or damage because a problem with the battery or alternator could sometimes cause it.

You may also have a problem with the EPS light if you recently had to jumpstart your car or take the battery out. Sometimes you might resolve the issue by turning your car on and off again. Even if this works, you should still have your car checked at a service centre because there might be a deeper problem.

Driving while the power steering light is on, is it safe?

It won't be simple because turning will be more challenging, and steering will be heavier. Accidents will also be far more likely because it will be nearly impossible to react to situations at higher speeds. If the light turns on while you're driving, it'll be better to inspect your car in a secure location before heading further.

Either way, the steering wheel warning light could mean something is wrong with your power steering system. It would help if you had a trained mechanic checking your car to address the issue.

Car insurance can financially aid you if the damage is severe and requires high repair costs. Every car insurance policy has an annual renewal period. Policyholders must do their renewal promptly to continue using the vehicle insurance services. If they fail, their policy coverage may lapse, and they may lose all the benefits and policy coverage. Always look out for updates in the car insurance price in India and plan your policy renewal accordingly.

Click HERE to buy a comprehensive 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.

As a motorcycle rider, ensuring your bike's safety is paramount. One critical aspect of ensuring safety has the proper tyre set on your bike. The tyres play a significant role in the overall performance and handling of the motorcycle.

In this blog post, we will share some tips on what to remember when buying motorcycle tyres, including the importance of having 2 wheeler insurance online for additional safety. Keep these tips in mind when buying motorcycle tyres. So, without any further delay, let's get started!

1. Choose the right size
When it comes to buying motorcycle tyres, size matters. Ensure you get the right size of tyres for your bike to ensure maximum safety and performance. The size of the tyre is indicated on the sidewall of the tyre and will include information such as the width, aspect ratio, and rim size.

Choosing the right size will provide better handling and stability, especially at high speeds. It is important to note that changing the size of the tyres from the manufacturer's recommended size can adversely affect the bike's performance.

2. Consider the type of tyre
Different types of tyres are designed to perform in different ways. The two main types of tyres are bias-ply and radial tyres. Bias-ply tyres are made with a layered construction of nylon and rubber, providing better durability. In contrast, radial tyres have a steel belt construction, providing better handling and performance at higher speeds.

The type of tyre you choose will depend on your riding style and conditions. For example, if you ride in wet conditions, you may consider getting tyres with better grip and water dispersal capabilities.

3. Check the tyre tread
The tread on the tyre is vital in providing traction and grip on the road. It is essential to check the tread depth regularly and replace the tyres when the tread is worn out. A worn-out tread reduces the tyre's grip on the road, making it more prone to slipping and sliding.

When checking the tread depth, ensure it meets the minimum legal requirements. In India, the legal limit for tyre tread depth is 1.6mm. However, tyres with a tread depth of 3mm are recommended to ensure maximum safety.

4. Consider the brand and quality
When buying motorcycle tyres, it's essential to consider the brand reputation and quality. Opt for trusted brands that are known for producing high-quality tyres. Quality tyres ensure better performance and a longer lifespan, saving you more money in the long run.

5. Check the load and speed ratings
Before purchasing motorcycle tyres, checking the load and speed ratings is crucial. These ratings indicate the maximum load capacity and speed the tyre can handle. Ensure you choose tyres matching your motorcycle's load and speed requirements for optimal performance and safety.

6. Don't compromise on safety for price
While staying within your budget is essential, it's equally important not to compromise on safety for price. Cheap tyres may seem cost-effective, but they often lack the grip and durability for safe riding. Invest in quality tyres designed to provide maximum safety on the road.

Buying the right motorcycle tyres ensures a safe and comfortable ride. Remember the tips mentioned above when purchasing. In addition to purchasing high-quality motorcycle tyres, you must protect yourself and your bike with 2 wheeler insurance online which can cover damages caused by accidents, theft, and natural disasters. It's a wise investment that can give you peace of mind while riding your motorcycle.

Click HERE to learn more about the benefits of purchasing 2 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.

Buying a car is a significant investment for most Indians. It is a dream that cultivates in the minds of the young and is seen as no less than a requirement alongside essentials like a home. After such heavy capital expenditure, it becomes a necessity for every car owner to maintain their vehicle diligently. This may be through careful use, regular servicing, and availing of online car insurance renewal facilities.

Regular exterior maintenance of the car is required to keep it shiny and in good working condition. But what about the interiors? Daily car users face the common issue of stinking interiors for various reasons. Consistent negligence can make your car smell terrible, resulting in an unpleasant driving experience.

How can you overcome this problem? Use these simple methods to ensure that your car smells good.

1. Use baking soda and vacuum frequently
Routine vacuuming your automobile can help keep your car clean, look appealing, and lessen odours. If smells are very potent or persistent, sprinkle the baking soda on the stinking area. Let the surface dry for some time, then vacuum the baking powder.

2. Fabric fresheners and dryer sheets
To refresh the air, hang some dryer sheets on the air conditioner's vents. The sheets will serve as a deodoriser for the vehicle. They will last longer than typical vehicle fresheners when placed on A/C vents. Alternatively, you can create air fresheners by placing deodoriser pods in mesh bags or mason jars with holes in the lid.

3. Freshen up your floor mats
Another spot that may be challenging to maintain is the floor mats, particularly if you have children or dogs. The easiest way to keep the mats fresh is to frequently vacuum them and use baking soda or a carpet refresher to absorb odours.

An alternate choice is a car air freshener, which typically has a pleasant perfume to cover up any odours in your car. However, it may not be the best option if you're attempting to avoid drawing more dust particles in your vehicle. You should also consider installing a charcoal air filter to defend against the stench.

4. Coffee beans
Coffee beans are one of the most potent fragrances for a vehicle freshener. Place some beans in a tiny paper bag, sock, or small mesh bag under the seats. You may also use ground coffee, but do it in stable containers, such as a salt shaker, so you won't need additional cleaning in case they spill. Position it in a regular location, such as the cup holder.

5. Essential oils
A drop or two of essential oils can make your vehicle smell magical. Put this on the console for immediate car aromatherapy if you already have a diffuser. You can utilise variations such as peppermint to prevent nausea or motion sickness when you have sensitive passengers.

6. Diluted shampoo spritz
Avoid washing your dashboard or doors with chemicals that contain alcohol or ammonia, as these might damage the materials. Instead, use a spray bottle to apply a 4-to-1 diluted solution of warm water and mild shampoo on a soft microfiber cloth.

Proper upkeep and accessories are essential for maintaining the appeal of your vehicle, whether it is new or used. Unpleasant odours can be challenging and embarrassing if left to persist for long periods. Like the exteriors, your leather seats and sophisticated cabin interiors deserve appropriate care. Similar to online car insurance renewal services that prevent the burden of potential mishaps, we recommend regular cleaning and using air fresheners to prevent stale air and stenches inside the car cabin.

Click HERE to know more about car insurance renewal.

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.

Cars are becoming trendier and feature-rich day by day, and the young generation is not satisfied by owning just one car. The craze for cars is ever-increasing, with multiple cars in every household becoming a common sight. The demand for car loans has seen a robust increase in the last few years, thanks to easy EMIs or monthly installments.

Generally, a car loan is available for a flexible tenure, and technically, the bank or financer remains the vehicle owner until the entire loan is paid back.

What is Hypothecation of a car?
Hypothecation is pledging any asset, such as a car, as collateral with a bank or a financial institution in exchange for a loan. When you take a loan from a financial institution to buy a car, you hypothecate your vehicle as collateral or security with that financial institution in exchange for the loan it provides. There is no transfer of title to the bank, and you continue to be the actual owner of the car.
However, the bank will have the right to take your car from you if you miss the EMI payment schedule and fail to pay the loan amount back to the bank. When we hypothecate our car with the bank, it gets mentioned in our vehicle RC (Registration Certificate) and car insurance policy.

How to eliminate hypothecation?

1. Pay off the car loan:
The first step in removing the hypothecation is to pay off the entire loan amount and not just a part of it.

2. Approach your bank:
Once you have paid the car loan amount in full, approach your lending bank and inform it about the same. It will check and issue you a NOC (No-Objection certificate) certifying that you have paid off the loan amount.

3. Go to the RTO:
You must submit the NOC to your concerned RTO (Regional Transport Office). You will also have to submit your car's original RC (Registration Certificate) along with a few other documents, such as your current insurance policy papers and No-pollution certificate.

4. Removal of hypothecation from the RC:
The RTO will then remove the hypothecation clause of your car from the original RC and issue you a new RC. This process usually takes around 5-7 working days.

5. Removal of hypothecation from the insurance policy:
You have to submit the NOC from your bank to the insurance company and terminate the hypothecation clause from your motor insurance India policy.

Why do we need to terminate the hypothecation of our car?
It is very important to terminate the hypothecation of your car once you have repaid your car loan in full. Till the time it is mentioned in your car RC that it is hypothecated to a so-and-so bank, you are not the true owner of the car in the real sense. Your car is still acting as collateral with that bank.

This implies that you cannot sell your car until and unless you remove the hypothecation clause from your RC and insurance policy. Taking a car loan to buy your dream car is a good option as it removes the burden of paying the full amount of the car in one go. You can easily pay some down payment and the rest of the amount in EMIs.

But just buying a car is not enough. You must also have a valid motor insurance India policy as long as you own the car. The motor insurance law in India makes it compulsory. Also, you have to renew it every year. This will ensure your car is protected and secure under your insurance service provider, and you can relax and stay tension-free.

Click HERE to buy motor 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.

Suppose a bike owner plans to sell his bike or move with the bike to a new city. In this case, a NOC, or no objection certificate, is required to avoid legal issues.

A letter known as a NOC, or No Objection Certificate, must be issued to sell your bike. Even if you are relocating to a new city, a NOC must be given to register your bike in the new location. The NOC is also required if a sold bike is to be registered in the name of the new owner.

How is NOC applied for a bike?

You must, under government regulation, receive a NOC from the RTO to validate your deregistration from that RTO. Without further ado, let's discuss the process for requesting a NOC certificate for a bike.

Here is a step-by-step instruction sheet for requesting a NOC for a bike when crossing state boundaries and intending to stay there for more than a year:

● To obtain a NOC, prepare an application and send it to the transport bureau in your area

● Fill up Forms 27 and 28 correctly, then submit them to the RTO

● If your vehicle was purchased using a loan or EMIs, get a NOC from the lender

You can expedite the procedure by obtaining NOC from the traffic department and your local police station in addition to following these steps.

You must submit an application letter explaining your relocation plans and supporting documentation to your financier or bank to get their no-objection certificate (NOC). These could be an appointment letter, a job transfer letter, housing documentation for the new location, etc.

What factors are to be considered while applying NOC for a bike?

For a hassle-free process, consider the following aspects before you apply for the NOC for your bike:

● Authenticate the copies of the insurance policy and registration document for the bike

● Verify that the road tax is fully paid

● Ensure all of your information is accurate, especially the information in the application, along with the updated address

● Submit all corroborating documentation

● Make sure you have the confirmation of payment for the NOC application cost received through the Vahan Citizen Services website

Documents required to get NOC for a bike.

The following list of documents must be sent to the RTO to obtain bike re-registration or transfer bike ownership:

● Motorcycle registration certificate

● Form 28

● Bike insurance copy

● Road tax receipt

● Certification for pollution control (PUC)

● Numbers for your bike's engine and chassis

● Signature recognition

The following documents are required if you want to obtain a NOC from the bank:

● The loan documents

● Bike registration document

● Other documents that the bank may request

The NOC is, therefore, a legally required document that must be obtained for various reasons when dealing with bikes. Along with the NOC, don't forget to buy bike insurance online to safeguard your valuable asset when you move to another state. Buying a robust insurance policy online will help you enjoy several features and financial benefits that can aid you in recovering from loss due to damages.

Click HERE to buy bike insurance online and get exciting benefits.

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.

Physical exercise is one of the basic requirements for a healthy and functional body. A few minutes of physical exercise, when combined with a balanced lifestyle, can give tremendous results to keep your body in the best shape.

It would be best if you also take a balanced diet to maintain all the nutrients and vitamins in your body. Also, try practising mindful activities like yoga and meditation regularly can be a good booster for your mental health. Physical exercises can range from walking, swimming, jogging, and cycling, to trekking and even rope jumping.

Jumping rope is one of the easiest and most convenient ways to lose extra calories and stay physically active. If you're a beginner at jumping rope, this article is just for you. We will cover all the essential points that should be kept in mind before you start jumping rope at home. It is a brisk and healthy exercise for your mind and body.

Let's look at the basic requirements for jumping rope at home without further ado.

1. Choose the best rope:
You must choose a comfortable, lengthy, and sturdy rope for your exercise. For beginners, a light weighted rope with comfortable foam grips is highly durable and flexible.

2. Pick a suitable surface:
If you want a comfortable surface for jumping rope, you should choose a mat or a smooth indoor surface. If it still does not work for you, please go outdoors and find hardwood floors if possible.

3. Start with basic jumps:
Start by learning to hold the rope properly. Do not grip the rope too tightly. Make sure you hold it loosely with your fingers instead of your palms. With a loose grip, the rope will turn quickly and steadily without any extra effort from your side. Make sure to hold the rope close to your body for a rhythmic spin.

4. Focus on movements:
After you have mastered your grip, you should focus on the movements of your body. You can start by placing the rope behind you. Turn it over your head and catch it under your feet. Make sure that you practise it until you've mastered it. Keep pushing yourself till you perfect the skill.

5. Keep on practising:
Although it may look complex, you should take the first step and do it. Be very gentle with yourself. Do it slowly as you get a grip on the process. Start with five jumps and increase the counts every day. Try to beat your record every day and reward yourself with positive affirmations.

Mistakes to avoid.

The things that you should avoid when you jump rope are:

● Do not jump too high:
It is one of the most frequently committed mistakes by beginners. If you think jumping too high will reduce more calories, you're wrong. On the contrary, it puts you at risk of developing a sprain. You do not have to take giant leaps, but you can jump just some inch off the ground.

● Not jumping upright:
It is always recommended to jump upright or in an erect position. Do not jump with a hunched back. If you hunch your shoulders, the jump will not be proper, and you can also develop a bad body posture. Later, you may also experience back pain.

These things should be considered before you commit to jumping rope at home. It would help if you were very careful when starting a new physical exercise. Make sure that your body is comfortable with the exercise. Regardless, opt for the best personal accident insurance policy in India to avoid problems later.

Click HERE to purchase the best personal accident insurance policy in India.

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

Riding a motorcycle offers an adrenaline thrill that no other commute mode can provide. Commonly associated with feelings of freedom and adventure, motorcyclists often experience euphoric joy while steering their ride. However, the biggest concern with riding bikes is the safety features that can protect the riders in an accident. Despite manufacturers constantly rolling out new features that enhance rider protection, one must use other modes to ensure safety, including two wheeler insurance India.

Among all the bike categories, the cruiser bikes market share in India is significantly increasing. These incredibly stylish bikes are equipped with cutting-edge technology like infotainment, navigation, and many other features.

Here are some standard features to expect when purchasing a cruiser motorcycle.

1. Seat height
The most challenging issue that beginners have with two-wheelers is maintaining balance. Sitting upright in a relaxed position is critical to stabilising the bike. If your balance falters, you can place your feet on the ground to regain control over the motorcycle. For this purpose, low seat height is essential for easy ground access.

2. Comfort-centric riding ergonomics
The rider’s posture is crucial to ensure proper balance and prevent accidents. Sports or commuter bikes allow room for tense posture that can harm the rider in the long run. Cruisers have a design that facilitates a relaxed sitting stance on an amply cushioned seat. This promotes good riding posture and makes for comfortable long-distance rides.

3. Sound engine
Cruisers are often considered to have low-power engines that offer inefficient acceleration. However, they are not far behind the power and capacity of commuter bikes. While you cannot expect the high speeds that sports bikes offer, cruisers provide adequate power for both short rides and long highway adventure trips.

4. Comfortable pegs
Most motorcycle designs leave riders with insufficient space to position their feet, resulting in uncomfortable long rides. The peg positioning in cruisers allows stretching of the legs compared to the normal riding posture in commuter bikes. You do not require additional highway footpegs to increase room for efficient leg positioning. Ensure you take a test ride on the bike before purchasing to get used to the positioning. Ideally, your midfoot should rest on the pegs. Your knees do not cross the peg, thereby preventing muscle strain.

5. Storage saddlebags
For frequent riders, it is inevitable to travel with baggage. Cruisers come with additional storage space in the form of saddlebags and extra luggage capacity in the rear. This greatly helps reduce distractions while riding. The bike’s build also allows greater room to attach other travel accessories, making for a great long-distance ride.

6. Chassis weight
Cruisers often have a heavy design that weighs them down, requiring riders to have adequate physical build to manage the bike's weight. This is a boon and bane. Positively, it slows down the vehicle and minimises the risk of accidents, but as a con, it requires additional effort to manoeuvre the bike single-handedly. However, this makes it among the safest bikes to ride. Supplementing it with two wheeler insurance India goes a long way in amping up the rider's protection.

Before purchasing a cruiser, ensure to go on a test ride to evaluate its weight and your ability to manage it.

Careful evaluation of a bike's mechanical features and safety provisions is necessary irrespective of its type. While beginners may find cruisers comfortable, safe, and suitable for long rides, one must always purchase two wheeler insurance India to stay protected against the allied financial costs of accidents.

Two wheeler insurance India is a mandatory requirement that ensures financial protection against accidents that every bike owner must prioritise.

Click HERE to buy two wheeler insurance India 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.

A fracture brings pain and many inconveniences while performing your daily routine tasks. You have to start doing things differently and take help from others to finish your work. A fracture is different from a regular cold or fever, which is cured in just a few days. A normal fracture takes at least 20-25 days to heal, and more complex ones can take several months before you return to normal routine.

Hence, a fracture can be very troublesome if you do not handle it properly. Here are the best tips to do daily tasks conveniently after a fracture.

1. Simplify your daily tasks:
The first thing you should do after suffering from a fracture is to simplify your daily tasks. For example, cooking yourself may mean standing for long hours in the kitchen. It will put undue pressure on your broken bone and slow the healing process. Take help from other family members or your maid in cooking to ease the work. If you are the sole cook, you can start ordering more online for the first few days. You can also buy packed and frozen food and avoid cooking much for a few days.
Similarly, opt for a shower rather than using a bucket for taking a bath. You should use a non-slip mat in your bathroom to avoid slipping and hurting yourself again. You can use a bathing chair if it is comfortable for you. Buy a sponge with a long handle, so it becomes easy for you to scrub your feet and back.

2. Avoid driving:
Do not drive yourself, even if you can, as it will pressure your broken bone. Take a driver, go with a friend, or book a cab to your destination if it is important. Also, opt for “work from home” for a few days rather than going to your office.

3. Dressing-up:
Wear comfortable and loose clothes after a fracture so that it is convenient for you to dress up or change. You can get velcro stitched over the buttons of your shirt if you cannot open or close buttons with your fingers. Opt for elastic in your pants or jeans. Buy a shoehorn with a long handle so that you can wear your shoe without bending much. Also, do not wear heels or uncomfortable shoes to minimise the chances of falling over.

4. Declutter:
To make it convenient, you need to declutter your house and working area after a fracture. You can move furniture on the sides to get a wide walking area. This will help you move easily and also minimise the chances of accidents. Light up your house properly, so you do not trip over things in your way. Proper lighting is essential if you need to wake up at night and move around.

If possible, you can move to the ground floor for a few days to avoid climbing stairs. Do not sleep on a very low bed, as it can be uncomfortable for you to get into the bed. If your fracture takes a long time to heal, you can install handrails near your bed, bathroom, and stairs and hold them for added support.

A fracture is undoubtedly painful and causes a lot of inconvenience to you. It derails your daily life and makes you dependent upon others. Personal accident insurance is crucial for you in such situations. It will provide you with financial protection and security in case of injuries and partial or total disability arising due to accidents. Hence, go for the best personal accident insurance India and secure yourself and your dependents in case of any unfortunate event.

Click HERE to invest in the best personal accident 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.

Given the crowded riding conditions and slow-moving traffic in Indian cities, two-wheelers have always emerged as the top choice for daily commuting. They are perfect for city travel because they are simple to navigate through traffic and take up much less space to park and promise better mileage.

In congested areas, riding a two-wheeler can significantly shorten your commute and help you reach your destination in time. From economical city bikes or scooters to attractive sports machines, two-wheelers have an exciting range of categories and myriad options. For every diverse taste and expectation of a rider, a two-wheeler is available in the market. All one needs to do is thorough research before making the final decision.

Buying the first bike or scooter is a dream for many, and in this blog, we will discuss how one can achieve this by understanding the complete buying process and the documents required to purchase your first two-wheeler.

Once you select your two-wheeler, the next crucial step is the paperwork. Be prepared to submit the required documents that will be needed by the dealer, the bank (if you're taking out a loan), and the two-wheeler insurance provider. The documents that you must submit are listed below.

Documents required for vehicle registration:

● Passport size photograph

● Attested copy of ID proof- Driving Licence or PAN Card

● Proof of Permanent Residence (attested copies) – Passport, Voter ID Card, copy of insurance policy.

If any of the documents mentioned above are unavailable, you may give any of the documents listed below. Don't forget that the documents need to be properly attested:

● Electricity bill

● Phone bill (BSNL Landline)

● Ration card

● House tax receipt from the corporation

These are the extra documents you must present if you buy a two-wheeler in a city other than your residence. All supplied documents must be properly attested:

● Copy of registered rent agreement

● Copy of your landlord's electricity bill

● Letter from your employer

● Original affidavit

Documents required to buy a two-wheeler on EMI:
If you are planning an EMI option for your vehicle, you can finance your bike up to 100% and pay the balance back in simple, flexible EMIs. Depending on the lender, the interest rate, processing fee, EMI bounce costs, etc., for these loans may change.
Depending on the facility provided by the lender, the term of these loans may range from 6 to 60 months. The paperwork you might require to purchase a new bike on an EMI is listed below.

Documents required by salaried individuals:

● Proof of identity: Aadhar Card/Pan Card/Passport/Driving Licence/Voter ID and passport-size photos

● Proof of address: Driving Licence/Passport/Voter ID/Aadhar card/Utility Bill/Bank statement

● Income proof: Bank statements of the last 3 months, salary slips of the last three months/salary certificate/Form 16

Documents required by self-employed individuals:

● Proof of identity: Aadhar Card/Pan Card/Passport/Driving Licence/Voter ID and passport-size photos

● Proof of address: Driving Licence/Passport/Voter ID/Aadhar card/Utility Bill/Bank statement

● Income proof: Income Tax Return (ITR), last 3 months' bank statements

To legally ride your two-wheeler on public highways in India, you must have two wheeler insurance India. In addition to ensuring that you comply with the law, insurance gives you financial security in case of an accident. When you purchase a new two-wheeler, make it a point that you buy a reliable two wheeler insurance India policy that offers an additional safety net to your two-wheeled friend.

Click HERE to buy the best two wheeler insurance India 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.

An often overlooked component in cars is their battery. It impacts the vehicle's longevity and hence should be taken care of. Intense temperature fluctuations have a significant adverse effect on its functionality. Besides this, several other factors lead to minimising battery efficiency.

Please remember that your motor insurance is also an important feature that helps with vehicle protection. With various subtypes, insurance providers offer solutions that protect your vehicle from the risk of obsolescence, depreciation, accidents, etc., as per the case. Motor insurance is one such safeguard for your cars against the financial costs of accidents. Motor insurance may provide a safety net against mishaps but cannot be considered a substitute for proper maintenance.

So, stated below are some tips to help you preserve battery life for long periods:

1. Don't leave your car unused for long periods
Long periods of idle time result in rapid charge loss. You may find the battery drained faster if you are an infrequent driver. For relatively short periods, your battery may give trouble while turning on, but after a prolonged period, it may drain entirely. In such cases, you must jump-start your vehicle or request a local mechanic to charge your battery.

In the long run, excessive idle time increases the risk of breakdowns. While the roadside assistance add-on to your motor insurance may help, it is best to maintain your battery health and avoid such situations altogether.

2. Minimise battery wastage when not in use
In stark contrast to the above point, you must also use your battery sparingly to reduce battery drain. This refers to when your engine is powered off, but other ancillary controls, like the music system, lights, air conditioning, heating, charging functions, etc., are in use. Turn off all supporting functions and accessories before you exit your vehicle.

3. Prioritise battery cleanliness
The battery is located under the bonnet for most models, while some recent designs may have specially allocated locations. Irrespective of its location, the battery usually allows room for accumulating flying dirt and debris. This stimulates corrosion and contamination, impacting the battery's functionality. Since an additional battery cover will affect the car's primary design, it is best not to tamper with it. Instead, regularly check under your bonnet and keep the battery and surroundings clean. Take your car for periodic servicing to ensure professional inspection and maintenance.

4. Factor in temperature changes
India being a tropical country, your car battery experiences extreme weather changes. Excessive heat results in rapid fluid evaporation, leading to lowered battery life. While you cannot eliminate evaporation, you can minimise it by limiting heat exposure and parking under shade whenever possible. During rains, parking in a protected space, regular inspection to identify signs of corrosion, and frequent servicing are ideal practices.

5. Don't overlook replacing schedules
A car is a complex mechanism. Since non-specialists do not know the minute details of its working, one must follow the manufacturer's instructions. Irrespective of how well you maintain your battery, you cannot extend its life beyond a point. Ideally, your battery may last up to 6 years in temperate environments. Usually, batteries in India last up to 3 years, while most battery manufacturers claim a product life of 4 years. Pay attention to signs of deterioration and replace your battery as suggested.

Apart from the above tips, maintaining fluid levels is a good practice to optimise battery life. Also, look out for the dashboard warning sign your car shows to reflect some issue with the battery. These measures help you keep your car's battery in the best shape. Additionally, purchasing motor insurance with a small repair add-on can help when battery replacement is needed.

Click HERE to buy a reliable motor 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.

Are you planning to add more furniture to your house but are confused about how to make the most of the floor space? All you need to do is choose furnishings carefully. Here's something you should know while buying furniture. Also, remember all wooden furniture items, including sofas, beds, dining tables, and other things, are covered by the best home insurance in India.

Here are some of our favourite small apartment space-saving furnishings to create a clutter-free, storage-heavy house.

1. Convertible study table
Every home with a tiny carpet area should include a folding study table as essential space-saving equipment. A range of metal and wooden options are available. In addition to being fashionable, a foldable study table will also be roomy for your flat. It can serve a variety of functions. They are minimalist and slick. Much room space is saved as they may be placed on the wall.

2. Kitchen table with a pull-out bench
Space-saving furniture designs that prevent the room from looking congested are frequently needed in small kitchens. Fortunately, this is simple to accomplish with an extendable kitchen table. You can use this table for multiple reasons, from handy base support while cooking to a lovely setting for a joyous breakfast.

3. Bedside table and under-bed storage
It's time to utilise that area if all under your bed is a collection of dust bunnies. A movable storage container can serve as both a nightstand and valuable storage. Roll it out before night and then back under the bed in the morning to conserve room on the floor. Invest in mobile storage containers that will fit beneath the bed perfectly.

4. Choose stackable chairs
You can look into ways to improve your furniture's functionality and invest in space-saving options. Stacking your kitchen chairs while not in use is an excellent illustration. It will help you effortlessly access extra space for other activities.

5. Storage basin with little space
A space-saving storage basin rack is the ideal organiser for your small apartment bathroom. Cover all your toiletries within the frame to keep them dry and protected from water splashes. This will save much space and ensure a clean environment for your necessities.

6. Convertible sleeping chair
Convertible sleeper chairs serve as excellent TV-viewing chairs during the day. They can spread out to make a bed at night. Consider a sleeper chair if you enjoy daytime naps or require an additional guest bed in a small house.

7. Space-saving desk
Every underused part of your room can be transformed into a specific workspace by adding a broad shelf or a sleek table top. Not all solutions for furniture storage need to be ornate or meticulously crafted.

8. Storage compartment for shoes
An attractive space-saving covered shoe rack will keep your shoes neatly sorted. They save a lot of space and are user-friendly. So that you may sit on it to tie your shoes, you can choose a shoe rack with a lower height. Or, you can turn it into a table and adorn it with your favourite vase or display piece.

Nowadays, people choose tiny homes since they are simpler to maintain and live in. Due to this, many homeowners are searching for practical and multifunctional space-saving furniture ideas and designs. There are countless designs for multipurpose furniture, such as sofas that can be made into beds, stools with storage, etc. Although they are more compact, these multipurpose furniture designs serve multiple functions. When it comes to having your own home, it's not just the appeal that matters but also the safety. Invest in the best home insurance in India and protect your property and belongings from mishaps.

Click HERE to buy the best home 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.

As a beginner rider, the traction control can be a confusing and intimidating topic. However, it's essential to understand the basics of traction control to ride safely and confidently on your motorcycle. This blog will act as a quick guide on traction control for beginners, covering the basics, including what it is, how it works, and how to use it effectively.

1. What is traction control?
Traction control is a safety feature that helps prevent your motorcycle's wheels from losing balance and sliding out of control. It works by monitoring the speed of your wheels and adjusting the engine power output to prevent wheel slip. This is especially important when riding on wet or slippery surfaces, where it can be difficult to maintain traction.

2. How does traction control work?
Traction control works by using sensors to monitor the speed of your wheels. When your motorcycle's computer detects that one or both wheels are spinning too quickly, it reduces the engine power output to bring your wheels back under control. This is done by temporarily cutting off your engine's fuel supply or adjusting the throttle valve.

Some motorcycles have more advanced traction control systems. They can adjust the power output of individual wheels or even activate the brakes on specific wheels to prevent them from slipping. These systems are typically found on high-performance motorcycles and are more complex than basic traction control systems.

3. How to use traction control effectively?
Traction control is designed to help you maintain control of your motorcycle, but it's essential to use it effectively to get the most out of this safety feature. Here are some tips for using traction control effectively:

● Familiarise yourself with your motorcycle's traction control system
Before you hit the road, take some time to familiarise yourself with your motorcycle's traction control system. Read the owner's manual, and experiment with the system in a safe, controlled environment.

● Adjust the traction control settings to suit your riding style
Most motorcycles with traction control have adjustable settings that allow you to customise the system to your riding style. Some systems have multiple modes, such as a rain mode for wet conditions or a sport mode for increased throttle response. Experiment with these settings to find the right balance of traction control for your needs.

● Pay attention to warning lights and alerts
If your motorcycle's traction control system detects a problem, such as a malfunctioning sensor or a low battery, it will typically alert you with a warning light. Pay attention to these alerts and take action as needed to prevent further problems.

● Importance of regular maintenance
Regular servicing of your motorcycle can help keep the system functioning optimally. A qualified mechanic can check for any faults or issues and repair them before they cause damage to the system. Also, proper maintenance can prolong the system's life, saving you money in the long run.

● Proper riding techniques
Avoid sudden acceleration or braking, and maintain a consistent speed when riding. Proper gear shifting can also help improve your motorcycle's handling. Proper riding techniques can minimise the risk of accidents and ensure that your motorcycle's traction control system works effectively.

● Understanding the impact of road conditions
Road conditions can significantly impact the performance of your motorcycle's traction control system. Wet, slippery, or uneven road surfaces can reduce your motorcycle's grip. Your traction control system may need to work harder to maintain traction.

Traction control systems are designed to help improve the handling and performance of your motorcycle. You can ensure it works efficiently by paying attention to warning lights, adjusting settings, using proper riding techniques, and familiarising yourself with the system. Similarly, bike insurance is also essential for any motorcycle rider, and buying bike insurance online can offer a range of benefits. With bike insurance online, you can ensure that you and your motorcycle are protected from an accident or theft. Research different options and choose the policy with attractive premium and benefits.

Click HERE to learn more about purchasing 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.

Indulging in leisurely activities is an overlooked aspect of today's hectic lifestyles. With building pressures of being competent and work stress while handling societal expectations, it is essential to explore and identify areas of interest outside conventional academics, careers, etc. With the early onset of mental struggles with issues like depression and burnout, research has shown that engaging in at least one activity outside your regular schedule that allows you to enjoy your personal space is beneficial.

Learning instruments is one of the most popular activities taken up as a hobby. Learning to play the guitar is the most popular activity on many people's to-do lists. It is a relatively inexpensive hobby that can be learnt without an expert's guidance and does not require years of practice to reach the beginner's level of playing. However, there is always a risk of injury, considering the small fretboard, metal strings and fast wrist movements that need to be mastered.

Multiple factors come into play relating to your posture, wrist placement, plucking, and supporting hand placement that may result in injuries if not done correctly. Here are some tips to prevent injuries while playing the guitar.

1. Long durations of playing the guitar without adequate breaks:
Over practice causes more significant harm than good. While it may seem exciting to display your determination to learn the guitar by playing continuously without taking breaks, it is best not to do so.
There is no fixed duration that you should practise and then take a break after, but it is best to limit a practice session to 30-45 minutes and then take a 10-minute break. It also helps prevent neck or back injuries from sitting in the same position for long durations.

2. No warmup:
It is common to be excited and skip the fundamentals to learn advanced techniques. No matter what level of expertise, it is necessary to warm up before each playing session. This involves regular stretching and practising finger exercises on the fretboard. Multiple online resources can help prevent discomfort and increase your fingers' agility and precision while shifting chords and fingerpicking.

3. Excessive pressure:
Often seen in the case of beginner acoustic guitar players, it may seem challenging to produce sound on metal strings. It is natural to use excessive pressure on the strings in such a case as you try to learn better. However, as you practise, you must find the ideal amount of force, just enough to produce sound.
Excessive pressure applied during regular playing damages the fretboard and may cause discomfort to your fingers. It may even lead to the tearing of the fingertips' skin. Understand that ideal pressure results in the formation of calluses, not injuries.

4. Proper posture:
Getting the basics right is the most important thing to understanding any skill. Sitting upright will allow you to keep your spine, neck, arms and wrist strain-free. If you feel any specific pain repetitively as you practise, it is best to get the guidance of an expert or stand before a mirror to identify and correct the issue.

In case you feel irregular pains in your wrist, it is best to get it checked by a doctor and use supporting devices like a wrist brace upon professional recommendation. Icing the wrist and regularly massaging the area can help significantly reduce inflammation and pain. Since one cannot eliminate injuries, taking preventive care and buying comprehensive personal accident insurance India is necessary to cover the financial burden.

Click HERE to buy reliable personal accident 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.

The rapidly growing two-wheeler market has adapted to the personalised needs of motorcyclists. Riders prefer to make a statement with their uniquely customised bikes that turn heads wherever they go. Once only considered modes of convenient private commute, bikes translate to much more in modern times.

If you wish to apply your style preferences to your bike, you can use several customisation options.

Caution: Check your 2 wheeler insurance policy
However, study your 2 wheeler insurance policy's fine prints to verify if it covers accidents post modifications. Generally, most 2 wheeler insurance providers reject claims raised for bikes that have been primarily modified. This is due to the enhanced risk of accidents from tampering with the manufacturer's original bike tunings.

Considering this general caution, read on to find out how you can customise your two-wheeler to suit your style better:

1. Rear-view mirrors
Rear-view or side mirrors are an integral part of the riding experience. They facilitate traffic visibility which helps make better judgements. These mirrors come in various shapes, sizes, colours, and styles to fit every rider's fancy while being extremely functional!

2. Handlebar
Although subtle, one of the first things that catch the viewer's eye when looking at a two-wheeler is its handlebar. Essential for maintaining posture and a comfortable grip, you can opt for different handlebars to alter the overall look of your bike. Choose between the wide bar of cruisers or narrow to straight bars that allow greater grip for adventurous riding.

3. Grips
If the overall feel of your handlebar is perfect and needs no change, but you wish to add a pop of colour to it, change the grips! Firmly glued on, you may have to force the existing grips off. You may approach a local mechanic for help to pry them off and get a new pair in a different colour, design, texture, or with additional features.

4. Fuel tank pad
A fuel tank pad is a cost controller and prevents the evaporation of your bike's fuel. Such a functional component set at the centre of the bike's chassis can add extra oomph to your daily ride. Choose among a vast range of colours and textures that prevent scratches to the gas tank due to scraping of metal accessories of your riding gear.

5. LED lights
Adding LED lights along the body frame in strategic positions or replacing your head and tail lights with LED variants will make you catch everyone's eye. LED strip lights are a quick fix for the same effect.

Listed above are some customised practices that global motorcyclists use to set their bikes apart from conventional designs we commonly see on roads. Wishing to incorporate personal style preferences across all your belongings is typical. However, when dealing with two-wheelers, it is essential to draw limits to prevent altering the original build and functionality. This helps preserve its efficiency in the long run.

Before making significant alterations relating to shifters, add-on storage racks, etc., one must consider their 2 wheeler insurance policy wordings to stay within its coverage scope. Irrespective of the scale of modifications, ensure that you purchase 2 wheeler insurance to protect yourself against accidents.

Click HERE to buy 2 wheeler insurance that fits your requirements.

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.

Our elders followed a healthy lifestyle and had a long lifespan, however, life expectancy has been going down in recent years. A big reason for this is the inability to follow a healthy lifestyle due to our busy schedules and poor dietary habits. We are more prone to falling ill and catching several seasonal and life-threatening diseases. The majority of health conditions rely on your eating habits and digestion. Did you know that even your bathing habits can impact your digestion? This has been certified by both Ayurveda and modern science.

Let us see how our bathing habits impact our digestion.

Say no to shower immediately after a meal.

Whenever we eat a meal, our body rushes blood to the digestive system. This helps it in the digestion process. As a result, heat is generated inside the body to break down the food.

Ayurveda’s point of view:

According to Ayurveda, this heat is the fire element inside us. Whenever we eat something, it gets activated and helps in the digestion process. Taking a shower has a cooling effect on the body. It automatically lowers the body temperature. The fire element or the heat in the body cools down, and the blood flow also slows down. This directly impacts the digestive process, in turn, and slows it down considerably. Hence, taking a shower after a meal harms our digestive system.

Medical science’s point of view:

The same fact is corroborated by medical science but differently. It says that taking a shower right after a meal slows down the blood flow because of the cooling effect. Our body starts working harder to maintain a standard temperature to help in the digestion process. The blood that should help in the digestion process is diverted to other parts of the body. This results in the slowing of the digestive process.

It may also cause acidity and uneasiness, and you may feel a sense of nausea. Our bodies may start feeling dull and sluggish. You might have a comforting sleep after a shower, but it will be bad for your digestive system. A bath after a meal can increase your heart rate and may add to your discomfort when your stomach is full. Therefore, medical science also discourages a bath right after a meal.

Type of meal.

As mentioned above, bathing right after a meal is bad for our digestive system. However, how bad it varies with the type of food that we have. A meal high in protein or fat may result in bloating and slowing down our digestive process. Having lighter food such as fruits, salad or soup will have a lesser negative effect on our digestive system. Eat what suits your stomach the best while also taking care of your body’s nourishment.

Waiting time.

It is not that we cannot take a bath all day after having a heavy meal. We need to wait for some time after we have had a heavy meal so that the food gets time to digest. This waiting time may vary from person to person, but generally, a gap of 30 minutes is advisable for taking a bath after a meal.

It is best to take a bath early in the morning to feel fresh, relaxed and rejuvenated. If we cannot take a bath before breakfast, we should avoid taking it right after we have a meal due to the above-mentioned reasons.

Indigestion results in multiple problems, such as upset stomach, stomach pain, nausea, etc. Chronic indigestion can be a big problem and lead to other serious illnesses. Hence, we should invest in the best health insurance policy in India to protect ourselves and our families. A health insurance policy can be a saviour as treatment costs have skyrocketed in recent years in India. It will provide us security in times of illness and keep our savings intact.

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

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

Have you ever looked at your motorcycle's tyres and wondered what all the numbers and letters on the sidewall mean? Tyre sidewall markings can be confusing, but they contain essential information about your tyres to help you maintain and replace them correctly.

This blog will decode the markings on your bike tyre's sidewalls to help you better understand them. So, without further delay, let's get started.

1. Understanding tyre size markings
One crucial aspect of understanding the markings on your bike tyre's sidewall is to know how to read the size markings. The first set of numbers and letters is the size marking. It typically appears as a combination of numbers and letters, such as 120/70 R17. The number 120 refers to the tyre's width in millimetres, whereas 70 denotes the aspect ratio or profile of the tyre, representing the sidewall's height as a percentage of the width.

For instance, if the width is 120mm, the sidewall height would be 70% of 120mm, which equals 84mm. Lastly, the number 17 represents the wheel rim's diameter in inches. Choosing the correct tyre size for your motorcycle is crucial to prevent performance, handling, and tyre failure issues.

2. Tyre load index and speed rating
The load index and speed rating are necessary markings on your bike tyre's sidewall. The load index indicates the maximum weight the tyre can carry, while the speed rating indicates the top speed that the tyre can handle.

A number on the sidewall represents the load index. This number ranges from 1 to 279 and corresponds to a specific weight limit for the tyre. You can find a load index chart online to determine the weight limit of your tyre.

The speed rating is represented by a letter on the sidewall. This letter ranges from A to Z and corresponds to a specific speed limit for the tyre. Again, you can find a speed rating chart online to determine the maximum speed limit of your tyre. You must select a tyre with the appropriate load index and speed rating for your motorcycle.

3. Tyre manufacturing date code
Every tyre has a manufacturing date code on its sidewall. The code consists of four digits, the first two representing the week and the last two representing the year of manufacture. For example, if the code reads "1719," the tyre was produced in the 17th week of 2019.

It is important to note that tyres have a lifespan of about six years, even if they appear to be in good shape. They should be replaced six years after their initial manufacturing date, regardless of their wear and tear. Therefore, checking the manufacturing date code is critical in determining the tyre's age and deciding when to replace it.

4. Importance of proper tyre maintenance
Proper tyre maintenance is essential for safe and efficient riding. Tyres that are underinflated, overinflated, or worn out can affect your bike's handling and performance, increasing the risk of accidents. Regularly checking tyre pressure, tread depth, and overall condition can ensure that your bike's tyres are in good shape and provide optimal performance. Additionally, tyre rotation and alignment can help distribute wear evenly, extending its lifespan.

Decoding the markings on your bike tyre's sidewalls is critical for ensuring the safety and longevity of your bike. Proper tyre maintenance is also essential for safe and efficient riding. The safety of a bike is incomplete without bike insurance. Robust bike insurance can provide financial protection in case of accidents or damages. As a responsible rider, you must know these factors and take the necessary precautions to keep your bike in shape.

Comprehensive bike insurance covers not only damages to your bike but also liabilities arising from accidents involving third parties. It is important to note that bike insurance policies often have specific coverage for tyre damages or replacements, which can help offset the cost of replacing worn-out or damaged tyres.

Click HERE to learn more about the benefits of purchasing 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.

Accidents can happen to anyone and anywhere. Our fingers face a significant impact and are susceptible to breaking after a severe accident. Generally, doctors recommend getting adequate treatment if you have broken fingers. Most people cannot identify a broken finger because it causes dull pain.

It would help if you already know about the cause of a broken finger to avoid developing this condition and diagnose it early if you ever face it.

How to recognise the symptoms of an injured finger?
The bones in one's fingers are called phalanges, and each finger has three sets of these bones. However, the thumb has only two phalanges. Some symptoms of a broken finger include swelling, limited range of motion, pain, and tenderness. The finger may also look deformed or you may feel tolerable pain when you try to move them.

Types of broken fingers.
Your broken finger can be categorised in the following terms:
● In an impacted fracture, the broken ends of a phalange drive into each other
● In an avulsion fracture, the piece of bone and ligament pulls away from the phalange
● In an open fracture, the phalange breaks through your skin and causes an open wound

Who is at risk?
Generally, people with weak bones, calcium deficiency, and older adults experience broken fingers more frequently. People who need to use their hands or operate heavy machines at the factory or workshops are also at more risk of broken fingers. If you play sports such as volleyball, boxing, basketball, snowboarding, and football, you should pay more attention to your fingers.

How to treat a broken finger?
Get immediate relief from a broken finger after an accident by following these tips:
1. Rest:
If you injured your finger, try to stay calm and stop whatever you are doing to prevent worsening your condition. Get medical attention immediately and perform first aid.
2. Ice:
Apply a cold compress wrapped or an ice pack in a hand towel to the broken finger for ten minutes several times a day. Avoid exposing your skin directly to ice.
3. Use OTC pain medications:
Doctors recommend taking OTC pain medication and anti-inflammatory drugs like acetaminophen and ibuprofen if your broken finger causes inflammation. Consult your doctor before taking any medication.
4. Elevate:
You should elevate your broken finger above the level of your heart as it helps slow down the blood flow, reducing the loss of blood, inflammation, and pressure. It would help if you continuously elevate your finger to avoid further symptoms.
5. Apply pain-relieving creams:
You can also use herbal remedies to reduce the pain and inflammation at the site of your broken finger. You can apply pain-relieving cream to reduce the pain.
6. Ensure you can move your finger:
Clean and cover open wounds to prevent bacterial infection. It would be best if you kept moving your finger as gently as possible without increasing the pain. It offers speedy recovery and helps regain the range of motion.

How to reduce the risk of a broken finger?
When you use your hands for work or playing sports, you have to protect your fingers with safety gloves. A proper diet can also help you meet your daily calcium and vitamin D requirements, making your bones stronger, healthy, and less prone to fracture.

Fingers are more vulnerable to injury and accidents than other hand parts. Being cautious about your well-being and protecting yourself against an accident is paramount. You can easily get a personal accident insurance policy covering your whole family without needing extensive medical tests and many documents.

Click HERE to buy a personal accident 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.