GENERAL INSURANCE BLOG

India is known to be a country full of diehard sports enthusiasts. Indians have a massive fanbase for cricket, badminton, tennis, and hockey players, to name a few. Over the years, as interest in sports has picked up, so has the interest in participation. While our international representation in renowned championships has grown, so has the focus on sports in schools. Presently, there are several opportunities for people of varying ages to explore various sports at their convenience and budgets.

One common risk in most sports is the occurrence of accidents. While sports require a certain level of competitive spirit and fierceness, it must be done carefully to avoid injuries. Be it minor or significant- an accident can alter a sports person's life and future opportunities. Besides the fun and excitement, safety is the most crucial aspect of sports.

Since accidents can occur to people involved in sports, purchasing a personal accident cover is advisable. In addition to it, sports players should put in extra effort to find the best personal accident policy in India to cover any costs allied with accidental injuries or death.

What is covered under personal accident insurance?

A personal accident policy covers medical costs that arise due to accidents. Accidents in sports are inevitable and often result in high medical expenditure. Purchasing a plan that covers the cost of hospitalisation and compensates the insured or the legal heirs in case of partial or permanent disabilities is prudent. While the formerly stated patients receive periodic pay-outs, the policyholder's family who dies due to an accident is entitled to a lump sum payment.

It also covers medical bills for frequent accidents like burns and fractures, legal processing, funeral, and child education expenses if opted for as an add-on to the policy.

Insurance policies have evolved over the years to include injuries occurring due to sports, except for adventure sports, which have more significant risks and mortalities. Upon closer observation of the fine print of the best personal accident policy in India, you may find that participating in any dangerous sports activity is not covered under the policy. Therefore, sportspersons need to raise questions and get clarity regarding what is included and what is not in their accident cover to ensure that their claims do not get rejected.

The need for sports players to purchase personal accident insurance:

With the increasing interest in sports over the years, especially after the pandemic, more people are inclined towards pursuing sports as a fitness hobby or career. Being fit is the new trend, and the easiest way to do so is by engaging in a sport you like as a hobby. Whether you are a newbie to the activity or an experienced athlete, the risk of accidents is ubiquitous for all sports persons engaging in strenuous sports

Since accidents come unannounced, sports enthusiasts must research and find the best personal accident policy in India to derive the most significant benefit. If selected right, there are several benefits of an accident insurance policy. It provides coverage against any liabilities arising from the accident in the form of hospitalisation costs and loss of income for a stipulated period. It may even cover your children's education fees if provided. A key feature is the provision of compensation for disabilities, in which case the insured is entitled to receive a lump sum amount.

Therefore, with due diligence, sports persons can easily discover the best personal accident policy in India to cover potential accidents and compensate them or their families for damages arising from such accidents. Injuries are a part of the journey of a sportsperson. Rather than running away, they must face it and conquer every fall to achieve success one day!

Click HERE to buy the best personal accident 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.

Defensive driving is the technique in which you drive cautiously and smoothly, minimising the chances of engaging in an accident and damaging your car and that of third parties. Car accidents mainly occur due to reckless and rash driving. A defensive driver ensures that he drives carefully so that he does not engage in a collision.

Let us see why it is important to practice defensive driving and how it can benefit us.

1. Safety and security:
Defensive driving is necessary for your safety, security, and other vehicles on the road. Moreover, it can also save pedestrians around your vehicle from injuries and loss of life. It is an art that comes with planning and regular practice. You need to scan your surroundings and be alert while slowing down or changing lanes so that you do not collide with other cars on the street. A defensive driver believes that other drivers on the road can commit a mistake anytime while driving. Hence, he practices being perfect and better than them to leave no margin for errors.
Accidents prove very costly as you will have to get your car repaired if you meet with an accident. Raising an insurance claim for minor repairs is not advisable as you might lose on your NCB (No-claim Bonus). You will have to bear the cost of repairs and maintenance and the loss of time and effort spent on repairs. There is a high risk of loss of lives and valuable property in case of a severe accident. If you are a defensive driver, you can avoid such situations and practise disciplined driving.

2. Better mileage:
The most common reasons for poor mileage in a car are accelerating abruptly and driving in the high rpm range. You can go fast and enjoy the speed but will burn a lot more fuel and experience poor mileage in return.
A defensive driver always drives at a controlled speed, accelerates softly and maintains an economy rpm range that gives the best possible mileage. Also, he ensures that he does not brake abruptly and changes gears frequently. This helps to save on fuel costs and also prevent accidents due to over-speeding.

3. Low maintenance cost:
A defensive driver drives cautiously and with care to avoid getting hit by another vehicle. Because accidents pose a huge threat of scratches, dents, rubs, etc., on the vehicle that requires an immediate fix. Your car wouldn’t require frequent servicing because of your cautious driving style. You can benefit a lot from the low cost of maintenance and repairs.

4. Fewer traffic challans:
A defensive driver ensures that he does not skip red lights on crossings, over speeds, or enters a one-way road negligently. He is a vigilant and responsible driver. Hence, it is important to practice defensive driving as you will get none or very few traffic challans and save a lot of money and time.

Defensive driving is a skill that can be developed with constant practice, and by promising ourselves that we will not engage in brawls and fights on the road. Also, you must avoid changing lanes frequently, use proper and timely indicators and signals, and stay away from distractions such as the mobile phone while driving.

Good car insurance will benefit you in several ways. It takes care of your safety and security and helps you save on unnecessary repairs and maintenance expenditures in case of an accident. Also, you don’t need to go through emotional trauma and monetary loss if your car gets stolen, as your comprehensive insurance policy will take care of the financial loss and reimburse it. Buy car insurance online and stay stress-free by having a reliable safety net for your vehicle.

Click HERE to buy car insurance online to protect your valuable asset from damage.

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 passenger-automotive industry was valued as the third-largest globally in 2022. While the market for new cars is predicted to grow at a higher rate in 2023, not all Indian consumers are covered under this segment and belong to relatively lower economic strata characterised by lower disposable incomes. Such buyers drive demand for second-hand or used cars.

Expected to grow at a CAGR of 15%, the Indian used car market is not to be undermined. With global economic conditions' uncertainty, making prudent choices such as buying second-hand cars and purchasing online car insurance is expected to continue. While you can derive significant value from pre-used vehicles, the chances of getting scammed are also higher in case of negligent inspection. Odometer tampering is a prevalent form of cheating that you must beware of while purchasing a used car.

Here’s all you need to know about tampered odometers and tips to detect them.

Defining mileage tampering.

An odometer is a device that measures the usage of a car in terms of the distance it has run. It is calculated based on the wheel's rotation, which depends on its perimeter.

Mileage tampering, or odometer fraud, is a common trick car dealers use to persuade buyers to purchase old and well-used cars. Practised for various reasons, rolling back an odometer is an illegal act done to get a better price by selling a used car.

The issue with odometer fraud.

1. The inflated price of used cars:
By misrepresenting the car’s present condition, car dealers trick buyers into believing that the vehicle is relatively unused and sell them the used car at a higher price.

2. Safety issues:
Apart from the price of the vehicle, it also raises safety concerns. A car that has been used for a long while is sure to have accumulated miles and been through its fair share of harsh weather, rough terrain, and occasional accidents. All these factors are likely to adversely impact the vehicle's internal components and body frame, making it unsafe in the long run.

3. Insurance fraud:
Buying a used car with a rolled-back odometer may put you at risk of online car insurance fraud. While you may not have intentionally misrepresented facts and may be the victim of a tampered odometer, insurance companies see facts at face value and do not consider earlier activities. Therefore, it becomes essential for you to declare genuine and accurate mileage figures related to your car while buying online car insurance to ensure raising a successful claim when needed.

Tips to avoid odometer fraud.

1. Check the service records:
Before committing to purchase an old car, ensure that you check the maintenance records. Missing entries and figures that don't match are a sign to look out for.

2. Inspect the car body:
Check if the car's physical condition aligns with the story represented by the odometer. A worn-out, dent-ridden, paint-scratched vehicle is bound to have been on the roads for longer than one in pristine condition.

3. Look under the steering:
What are some key giveaways of a well-used car? It's the accelerator, brake and clutch! The groove depths of the pedals can indicate the usage of the vehicle and help detect odometer fraud.

4. Check the odometer:
While there are no tell-tale signs, the naked eye can identify a poorly done tampering job. This could be in the form of ill-fitted modifications and off-sounding odometer mechanisms.

5. Experts know best:
If you're sceptical, asking for an expert’s evaluation is best. This way, analogue or digital odometers can be thoroughly inspected for tampering attempts.

Odometer tampering is widespread and spares neither digital nor analogue devices. In such cases, one must always exercise caution and take necessary precautions to detect issues before signing the dotted line. Additionally, continue your prudent streak and purchase online car insurance to protect yourself from the financial losses from car accidents.

Click HERE to buy online 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.

Technology is everywhere, and the world has already seen the drastic changes that technology has brought with it. Some hundred odd jobs are expected to be extinct in the next ten years because of the intervention of technology. But what are your benefits? Can you use technology to make things easier for you? These are only some of the many questions that people keep wondering about.

This article will help you understand a small aspect of the tech world that will immensely contribute to your daily life and why you must consider getting your hands on them immediately. Today, we will discuss home automation and why it is a game changer for an urban household.

1. Being in command:
Do you not hate leaving your comfortable sleeping position just to turn off the lights? Well, what if a simple command could achieve that. With home automation, your voice or mobile is the only thing you need handy to get things done around your home. Be it controlling the lights, music, volume, brightness, or the AC. Everything can be made convenient and hassle-free at the convenience of your fingertips.

2. Better security:
Since all the devices, including your doors, are connected to your phone, you can have 24X7 surveillance of your home. Motion detectors, heat sensors, cameras, and automated locks are some of the straightforward home security solutions you can invest in. You can opt for security alerts when you are away from home in case of suspicious activities.

3. More comfortable:
Imagine walking home on a hot sunny afternoon, and you get home, turn on your air conditioner and wait for it to cool the room before you can rest. With home automation, you don’t have to worry about that anymore. You can use your mobile phone to turn on your AC while being miles away from home.
Not only that, if unexpected guests on your way home join you, you can command your home automation system to turn on the guest lights and AC so that your guests walk into a cosy and comfortable living space.

4. Energy efficient:
A programmable intelligent automation system can analyse your active hours and control lights, cooling, and music based on your everyday routine and suggests the most energy-efficient way of applying these to your routine. Such systems not only help in better managing the resources, but they also help you in analysing your daily habits. With home automation, you can keep a tab of everything and understand the energy consumption rate over time.

5. Monitoring kids and pets:
One of the most important benefits of home automation is keeping an eye on your kids or pets. In today’s day and age, both parents are working parents. Monitoring a child’s daily routine can become stressful while being away from home.
With the help of home automation, not only can you see your children, but you can also interact with them over video calls. The same goes for pets. Various kinds of food dispensers dispense food on time to your pets. These gadgets will help ensure that your kid and pet are happy, healthy, and safe.

These are a few reasons why home automation is a significant investment. Safety, convenience, and comfort are only some factors that make it a must-buy for your home. For an added layer of protection, buy general insurance online. Search for an ideal home insurance policy under the general insurance category to safeguard your home and your family against any potential dangers. Get the best deals online and invest in a secure future of your most important asset.

Click HERE to buy general insurance online.

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

Zebra crossings worldwide provide pedestrians with a safe option to cross the roads amidst heavy traffic. While road rules might differ from country to country, the purpose of zebra crossing stays the same. When drivers see people waiting to cross the street at one end of the black-and-white stripes, they usually apply their brakes to allow pedestrians to cross the road.

However, unfortunately, most drivers tend to ignore the zebra crossing, nullifying the purpose and putting the safety of pedestrians at risk.

Skipping the zebra crossing deprives pedestrians of the chance to cross the road safely. And being ignorant on the road isn't just a threat to pedestrians; it also puts your vehicles at a high risk of damage. To avoid landing in such trouble and causing significant damage to your car, you must follow the traffic rules strictly and consider getting car insurance India to prevent monetary stress in unprecedented situations.

Where does the problem lie?

Many drivers don't obey traffic lights and make an emergency stop over the zebra crossings, making it hard for pedestrians to use the approved crossing path on roads that are already crowded. Surprisingly, although zebra crossings are present at busy intersections, traffic officials are somehow lenient toward automobiles occupying zebra crossings.

As a result, when attempting to cross the road, people frequently need to use their running skills to safely reach the other side without being hit by any vehicle. When the traffic lights malfunction, it becomes more challenging as the traffic is set loose.

Due to the chaotic traffic, school children wait several minutes to cross roads safely. Most kids assume that because they have learned about zebra crossing since they were little, cars will stop so that they may cross. However, the truth is different.

Unfortunately, many drivers don't know the importance of zebra crossings, and even the public works department doesn't care enough to paint them often. Public awareness campaigns on traffic etiquette are required.

Determining the requirement of a crossing.

Zebra crossings are used on roads with much traffic and where fewer people can cross the road at signal-controlled crossings. Many surveys of busy traffic intersections reveal that pedestrians find it extremely difficult to cross the road.

Also, personal injury accident data showed that most common accidents involving pedestrians happen at busy crossings.

If you're a pedestrian waiting at zebra crossings, then remember to:

● Give incoming traffic plenty of time to see you and stop before crossing

● Wait until both directions of incoming traffic have stopped or the road is clear before crossing

● Look for the traffic signals and avoid crossing in a hurry

If you're a driver, then remember to:

● Watch out for the traffic signal from far and accordingly prepare to halt

● Avoid halting over the zebra crossing and keep it clear for pedestrians to walk

● Never jump the traffic signal

Additionally, keep in mind that:

● Normal drivers tend to ignore crossings that are not frequently used

● Drivers require more time to manage their vehicles when the road is slick

● Cross the street only when the traffic is stopped

Drivers must keep all these things in mind while driving and follow the rules carefully to avoid collisions with pedestrians. Be responsible, follow traffic rules religiously, and avoid over-speeding on the roads. Prioritise your safety, fasten seat belts before beginning your journey, keep all the required documents handy, and purchase a valid insurance policy. Buy the best car insurance India not just because it is mandatory but more as a financial shield to protect you and your valuable asset in case of accidents.

Click HERE to buy reliable car 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.

Owning a car is a huge responsibility, and one should take all the necessary measures to make it as easy as possible. One such important requirement is to get car insurance as soon as you purchase a car.

Getting car insurance is necessary, as it protects you from various damages caused to the car, such as repairing a broken windshield or paying high mechanical costs due to an accident. To get car insurance, one should complete all the necessary procedures, like KYC which stands for Know Your customer.

What is KYC?

Know Your Customer (KYC) is the process of discovering and authenticating the basic credentials of customers by financial establishments like banks, insurance companies, stockbrokers, etc. KYC is typically performed before or during the handling of financial transactions with customers. For example, when applying for car insurance, a KYC is mandatory.

IRDAI-accepted KYC procedure types.

KYC in insurance has become a mandatory requirement by the IRDAI due to the increasing number of insurance-related frauds.

IRDAI has authorised the following KYC methods for the insurer:

● Aadhaar-based KYC

● Digital KYC

● Video-based identification

● By KYC identifier

● Pan card

Depending on the type of car insurance, the insurance company chooses the appropriate KYC method.

Why has KYC compliance become mandatory for car insurance?

As mentioned above, due to the rise in insurance-related frauds, the government of India has made regulations to make KYC mandatory for every type of insurance, be it car insurance or life insurance.

KYC is necessary to ensure the authenticity of the investments and the insurance policy purchased by the individual. It ensures that the insurance coverage is received by the family of the genuine policyholder and not by an imposter.

Insurance companies are required to verify a customer's identity before proceeding with the insurance registration procedure. Strict implementation of the KYC process is an efficient method that allows the banks to authenticate the identity of the customers.

If you plan to purchase a car, the first step should be buying car insurance using the KYC procedure.

KYC documents required for car insurance:

● Passport

● Aadhar card or Voter ID card

● Pan number

● Driving licences

● Bank Statement—not more than six months old

● Verified copies of an electricity bill, a telephone bill, and registered lease and licence agreements

● A letter from the National Population Register containing name and address information

The insurance company will inform you beforehand if any other document is required. Collect all the required documents and get your insurance without any trouble.

Prevent the misuse of your KYC documents.

Submitting your KYC documents is a necessity that brings with it the threat of identity theft. Here are three simple steps to prevent the misuse of self-attested KYC documents:

● Clearly state the date and intended purpose for submitting the documents.

● Similar to the crossing of cheques, specify that the documents are ‘To be used only for the specified purpose’.

The recent wave of digitalisation has made it possible to keep track of all financial products including investments, insurance policies, etc. Regular inspection of such KYC documents makes it easy to detect the mishandling of important documents that may have been used by an imposter.

Purchasing car insurance may appear to be a time-consuming process, but it is a necessity that everyone should obtain for their vehicle's safety. During unprecedented situations where the outcome is unpredictable and could lead to hefty damages to the car, car insurance would act as a rescue and help you steer clear of the monetary stress. As a result, you must investigate your options and purchase the best car insurance for your needs.

Click HERE to learn more about the benefits of 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.

Winter brings with it a change that most people welcome. The cold temperatures and delightful food choices make it a pleasant period of the year. Despite the enjoyable climate that makes one seek warmth and comfort from cosy cafes and piping hot winter delicacies, it is a time that you must watch out for health issues.

The drop in temperatures and shortened daylight leads to frequent sickness. In such times, taking good care of your well-being and purchasing a health insurance policy is key to saving on medical costs that may arise due to contingent illnesses. If not taken good care of, health in winter can take a toll and become frustrating due to the uninvited expenses.

While maintaining good health, purchasing or renewing health insurance online is the most important tip for preparing for a healthy winter. Here are a few tips you can follow throughout the upcoming winter months to stay fit while enjoying the season the most!

1. Practising good hygiene:
While this may seem like a no-brainer, good hygiene is the easiest way to prevent catching even the most insignificant cold. The low temperatures and damp environment facilitate microbial growth that can lead to compromised immunity, leading to falling sick often. Wash your hands regularly, especially when you visit public spaces and restaurants, use public transport services and washrooms, etc.

2. Focus on your food intake:
Healthy food has been considered preventive medicine and fuel for one's body, especially in the Indian culture. We usually emphasise immunity-boosting foods like ginger, turmeric, etc. Coupled with fresh produce, these foods rich in vitamins and minerals like Vitamin C are sure to reduce your susceptibility to illness during the cold months.

3. Stay active:
Bundling up in your most comfortable blanket with a hot beverage to combat the cold is highly tempting. While your food choices can provide you with most of the required nutrients to keep you healthy throughout the season, some requirements, like Vitamin D, can only be supplied by exposing yourself to sunlight. Even a short walk in the early morning will improve your mood and keep you active and warm.

4. Ensure adequate sleep:
Sleep is an essential factor that is often overlooked when discussing health. It not only helps fight tiredness and stress but also allows you to wake up refreshed and ready to take on another day with new energy. Adults require a minimum of 7 hours of sleep daily. Provide your body with enough rest to recover and rejuvenate to ensure that it can function effectively and keep you healthy.

5. Dress appropriately:
In recent times, it has been noticed that winters aren't as chilly as they used to be. While present temperatures are noticeably less cold than previous trends, it is still necessary to keep yourself warm. Sometimes, our body does not recognise a cold draft, and staying exposed to it without enough clothing is bound to result in health issues.
In these situations where the weather doesn't warrant wearing heavy winter wear, simply layer on a few lightweight fabrics. These will keep you warm against a slight chill without being too heavy.

6. Quit smoking:
For smokers, foggy winter mornings may seem like an invitation to smoke to keep themselves warm. Smoking suppresses the immune system's normal functioning, which puts smokers at greater risk of falling ill in winter. It is best to quit smoking early and keep chest and lung-related problems at bay.

The cold climate makes one feel lazy and dull, but take the time to keep yourself in the best shape possible. Engage in light exercise daily, dress warm and ensure that you consume fresh food that will boost your immunity. While these tips can help prevent diseases, we encourage you to check your health insurance and purchase or renew health insurance online with just a few clicks so that winter doesn't get harsh on you!

Click HERE to renew health 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.

We all must have travelled by road at night, either by choice or due to some emergency. We try to stay awake and attentive while driving, no matter what happens. Then sleep starts taking over. We feel drowsy but continue to drive, feeling strong enough to stay awake with focus. But, this can be a fatal situation for the driver and others on the road.

So how can we avoid sleeping while driving during the night? Let us go through some of the best tips for the same.

1. Do not drive for long distances alone:
Never try to drive alone for over 4-5 hours, especially at night. Always take a co-passenger along who can drive. This has two advantages. Firstly, you can change shifts with him and rest in the middle of a long journey. Secondly, you will have someone to talk to, which will take your boredom away, and you will stay attentive and awake. If you cannot find a friend or a family member to accompany you for the trip, hire a driver and take him along.

2. Do not drive when you are sleep deprived:
Always ensure that you have slept well for at least 8 hours the night before you plan to drive at night. A proper night's sleep keeps you fresh, and you will not feel drowsy when in the driving seat. Sleep deprivation is one of the major causes of making you fall asleep while driving.

3. Park and take a nap:
What to do if you are sleepy but still have to continue your journey because it is urgent? Park your car on the side of the road, and take a nap for half an hour or so. This will do wonders for you and make you feel refreshed, awake, and alert again. Have some water and wash your face to recharge yourself and continue driving.

4. Turn on some music:
Turn on music that you love on your car stereo and hum with the songs. This will keep your mind alert, and you will feel fresh. Music stimulate your brain and keep you mentally awake.

5. Take caffeine and snacks:
Caffeine is a proven stimulant that helps you to stay awake and alert. Take regular coffee or tea breaks during your drive to help you fight drowsiness. Also, you can keep munching something while you drive. Get out of your car, roll down your windows, and take fresh air, coffee, and snacks.

6. Do not drink and drive:
Taking alcohol before or while driving at night seriously threatens your ability to stay awake and drive with focus. It is prohibited, and even one drink will make you sleepy if you have not had a good night's sleep the previous night or are feeling drowsy. You will feel low in energy, start losing concentration and can meet with an accident.

Sleeping while driving during the night can be life-threatening for you, your co-passengers, and even third parties and other vehicles around you. But it can happen to anyone. Sleep is sometimes uncontrollable, but the factors that can make you sleepy are surely controllable. Follow the above practises and have a safe night's journey.

Before heading out on a car trip, you must purchase personal accident insurance in addition to your car insurance. It will cover disablement and bodily injuries, impairment, and even loss of life while travelling. It becomes all the more essential if you frequently travel by road at night as the chances of accidents increase manifold at that time. Do your research well and choose the best personal accident policy in India.

Click HERE to buy the best personal accident 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.

Every industry undergoes some reform from time to time. This can be due to various reasons- changes in the country’s economic conditions, level of crisis, the impact of international and national markets, contribution to the nation’s GDP (Gross Domestic Product), budget regulations and much more. Several types of insurance act as investment plans, help you in a financially stress-free emergency, provide tax-saving benefits, and ensure a secure future for your loved ones and dependents.

Does the insurance sector undergo changes and reforms on a large scale too? The answer is yes. The premiums, terms and conditions, age limits, benefits, renewal, etc., are reviewed and revised when needed. This ensures that the insurance matches pace with the current economic conditions, the situation in the market and the demands of an existing and potential set of customers. And if you are someone who has purchased insurance policies or is planning to explore your options in the sector for all the good reasons, you need to stay updated with the changes.

This blog will discuss the revised terms and reforms you need to be aware of in the insurance industry. So, let’s get started!

The pandemic caught the eyes of the insurance sector reforms:

The covid-19 pandemic brought the entire world to a very unexpected halt. Given the pace of development and technological advancement, the pandemic situation across the globe was beyond the people’s and government’s imagination. While people were under lockdown, several opportunities opened up, and many sectors, mainly fintech, saw massive growth. In the insurance sector, which is majorly categorised into life, health and general insurance, the FDI (Foreign Direct Investment) limit is increased to 74 per cent from 49 per cent as per the new Insurance Amendment Bill 2021 passed in the Indian Parliament.

This was primarily focused on getting more foreign investments onboard. Why? The insurance sector is considered a good investment option. It is a capital concentration with a long development period. It takes at least seven to ten years to start making profits apart from their regular budget, retention and expenditure.

What does the FDI reform ensure:
The FDI reform discussed in the previous point will open up multiple avenues for investment in the insurance sector. This will significantly aid them in growth and expansion, even overseas. The whole loop continues and might attract more foreign interests, thus helping them flourish economically, eventually providing new features and insurance options for the customers such as

1. Pay-as-you-use motor insurance plan has now been ideated into the motor insurance framework. This would enable the customers and policyholders to reduce their premiums as per reduced coverage by availing of the switching on and off options.

2. Health insurance plans have been customised to comprehensively understand the needs of people during stressful times of covid. The comprehensive health insurance policies have incorporated mental health issues, covid-19 problems, modern procedures and treatments, etc.

Health insurance providers have been permitted to raise or reduce the health insurance policy premiums by almost fifteen per cent after three years. This is considered a significant reform in the health insurance sector and the pricing of these policies.

Some other reforms were accomplished regarding insurance awareness programs to ensure that people from the remote sectors of the country know the benefits of insurance policies and can avail a secure future, introduction of digitalisation of KYC and verification processes for the convenience of the existing and potential customers, 24*7 online help assistants, etc.

These were some updated terms and reforms you need to be aware of in the insurance industry. Insurance coverages help secure a financially stress-free situation when you encounter unprecedented circumstances that can endanger your health, assets or life. So, a wise option would be to explore all your options from the comfort of your home and buy insurance policy online that would cater to your needs in the best ways possible.

Click HERE to know more about how you can buy 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.

Have you ever been driving around and seen someone cutting it too close to your car's bumper? If yes, you are familiar with tailgating. For those unaware of the term, tailgating happens when there is insufficient space between your car and the one in front of you or behind you.

The likelihood of a collision increases with just one forceful brake from the vehicle in front. Tailgating increases the risk of accidents, making it essential for car owners to protect their vehicles. Also ensure that you avail of online motor insurance renewal services offered by your preferred insurer.

While insurance can help you safeguard your vehicle and yourself from financial contingencies, here are some tips to prevent tailgating.

What are the risks of tailgating?

A significant risk of tailgating is that drivers do not provide adequate space to stop if the vehicle in front suddenly decelerates which more likely makes a rear-end collision. A multi-car pileup that starts with one rear-end accident is expected to spread. Accidents involving a rear-end often result in neck and back injuries.

Another risk of tailgating is that it can create pressure on the vehicle's driver in front to apply the brakes to dissuade the tailgater. When the front driver performs what is known as a brake check, an impending collision may result if the foot is held down for even a brief period. In the worst case, brake inspections can also spark road rage among tailgaters.

Ways to prevent tailgating.

Driving too close to the car in front is the main reason for tailgating. Maybe you're upset or impatient and hurried. Whichever one it is, tailgating puts you and other drivers in danger every time.

Here are some tips to help you maintain a safe distance.

1. Understand the distances you often stopover:
The variation depends on how quickly you're moving. You might get into problems if you can't stop in this amount of time. Remember that stopping distances increase in wet circumstances, so be cautious and give the car in front of you enough room. You should raise the spacing by up to 10 times on slippery roads and at least double it in wet conditions.

2. Maintain your calm:
Avoid venting your frustration to other drivers if you feel irritated, furious, or exhausted. Stay at home until you feel better, or pause to unwind and regain focus before resuming your driving. It costs nothing to drive courteously and makes everyone's journeys safer.

3. Make use of your car safety features:
Nowadays, many vehicles feature collision warning systems that warn drivers if they approach the car in front too closely. Utilise such devices, but don't entirely depend on them. Always follow the road regulations rather than pushing your car's technology to its limit.

Driving is a skill that requires significant experience to master. Keeping calm and efficiently managing situations like tailgating is an indicator of an experienced driver. While you may not be able to control other drivers and their behaviour on the road, you can always ensure your vehicle's safety by following the above tips. Also, remember to avail an online motor insurance renewal service or purchase a new motor insurance policy to protect yourself from financial losses due to an accident.

Click HERE to proceed to online motor 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.

A lot of stress surrounds the idea of getting your package shipped overseas. Knowing that your cargo will travel a long distance, you will want it to reach its destination safely.

While sending your package overseas, there are a few crucial things that you should keep in mind to save time and effort. The best thing you can do is look for a reputable and trusted cargo shipping company that will take care of your package. If you're sending a cargo for the first time, then there are several things you must know.

While you plan to ship your cargo, consider securing it with reliable marine insurance. For this, you need to be familiar with different marine insurance companies that offer this insurance at the best rates.

And to help you choose the best cargo shipping company, here are a few tips to make the right decision.

1. Competitive prices:
Pricing is one of the first things to consider when you choose a cargo shipping company. It would help if you did ample research about the average cost of shipping overseas.
In this way, the companies will not be able to scam you into paying more than usual. Consider a company that delivers on time and takes full responsibility for the goods to reach safely.

2. Delivery timeline:
The delivery timeline is also very important whenever you ship a package overseas. It can take days, weeks, and even months to reach your desired destination. Before you choose a company, enquire about their delivery timelines and make sure they are reliable and intact. The arrival of the package on the estimated date is significant.

3. Safety:
It is always wise to opt for a cargo shipping company that has been registered and procured a business license and permission from the concerned government authorities. Make sure to research it in advance, so you do not lodge yourself in a possible scam later. Try and track down customer reviews and feedback as well. Your package will be valuable and worth thousands of rupees. Safety is essential and it should not be compromised in any way.

4. Reliable insurance:
Your package should have good insurance to back up its security. Go for marine insurance companies that provide comprehensive and hassle-free coverage for your cargo package. This ensures that you get compensation, if things, unfortunately, go wrong.

5. Tracking:
Before you choose any cargo company, ask them about tracking mechanisms. In this way, you can follow the whole movement of your package through live tracking status. Your cargo shipping company should provide you with the tracking details. If it doesn't, avoid choosing that company.

6. Customer care:
Every cargo shipping company should have a functioning and active customer care service to answer all your queries related to the shipment. Make sure that you do a thorough background check on the company you are choosing. Select a company with an active customer service with 24/7 support.

When you invest your valuable time, effort, and money in sending the parcel to your family or friends, you always expect it to reach them safely and on time. These tips should be your priority when choosing a cargo shipping company for your goods. Additionally, it would help if you purchase insurance to cover the financial loss if your cargo gets damaged due to mishaps. Research the top marine insurance companies that offer relevant insurance for all your needs, compare their policies, understand the terms, and then make a final decision.

Click HERE to know more about marine 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.

In a world riddled with war and crime, it is always good to know that if need be, you can defend yourself. With active crimes rising daily, it is best to have some tips and tricks under your belt to protect yourself and your loved ones. One way to ensure your safety is by enrolling in self-defence classes. There are various kinds of self-defence methods that you can practice, such as karate, krav maga, boxing, judo, etc.

Choosing the one that best suits you and piques your interest can make learning more enjoyable. People have professed the importance of self-defence for women and children, but what is important to remember is that self-defence is for everyone.

This article will examine the importance of self-defence classes and why you should consider enrolling in one.

1. It helps your physical form:
One of the most crucial elements of self-defence is timely reflexes. If you are put in a dangerous situation, your mind and body should manage to work in sync. You can only achieve this with practice. Training can help you inculcate the necessary conditioning and helps you with a better fight or flight response.
Your body prepares for an adrenaline dump with the right amount of practice. Adrenaline dump is a reaction the body goes through in case of unprecedented dangers. Since the adrenaline rush lasts only a few moments, it is crucial to act immediately for the best outcomes.

2. Builds confidence:
When people are timid, they tend to undermine their skill set and are incapable of protecting themselves. Self-defence is an excellent way to build confidence and protect oneself in times of need by believing in their skill set.
Being confident helps you defend yourself and leaves a lasting impression on people. If you are aiming for overall development, self-defence can be extremely helpful.

3. Master discipline:
Excelling in any field requires hours and hours of hard work and dedication. The same applies to self-defence. The more hours you put into mastering this art, the better you will get the results.
The urge to improve yourself can drive you to a dedicated routine, which builds a disciplinary lifestyle. So, taking self-defence classes helps you stay focussed, grounded, and more aware of your surroundings.

4. Fighter instinct:
When faced with life-threatening or dangerous situations, it is best to start acting as early as possible. The quicker you are with your thinking, the sooner you can fight through your opponent or potential threats.
The power and the speed of your attack will help buy you some time before the attacker attacks again. You can utilise this time to escape or attack the opponent to keep yourself safe. These seconds can play a vital role in deciding your survival.

5. Makes you more goal-oriented:
Your goals at any particular time can be as small as achieving the perfect kick or as daunting as escaping a kidnap. Upon seeing an improvement in form, you only want to better yourself and make yourself well equipped to withstand any attack. Setting these small goals can significantly impact your form and energy.

These are a few reasons self-defence should be a part of everyone’s life. If you have children, it is best to give them an early start. We are constantly surrounded by news of mugging, killing, robbery, and kidnapping. Preparing yourself and your loved ones for any such thing is the best way to ensure their safety and welfare.

Another crucial way to ensure full protection for your family is by enrolling in personal accident insurance India. Personal accident insurances are the much-needed safety net that gives fruitful results during emergencies. Your insurance provider will help you financially to avoid an unnecessary burden on your shoulders to deal with the situation.

Click HERE to buy 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.

Critical illness insurance covers serious health conditions that require expensive and long treatment. Such illnesses include cancer, paralysis, stroke, organ transplant, heart attack, coma, etc. The treatment for these illnesses can drain your savings and negatively impact your financial condition.

The recovery is time-consuming, beginning from the detection phase to a myriad of medical tests to surgery and then gradually returning to normalcy. All this will cost us much more than any normal health insurance coverage. This creates the need to have dedicated insurance cover for critical illnesses that are affordable and provide robust protection.

Let us look at the best tips for affordable health insurance plans for critical illness.

1. Comprehensive critical illness insurance policy:
A comprehensive critical illness insurance policy gives us a lump sum amount after we submit the required documents to the insurance company. You can use this sum to pay for the treatment cost, including diagnosis, hospitalisation, any surgery in the process, and the doctor's fees. The sum assured under such policy is fixed. Hence, you can plan your insurance coverage as per your specific needs.

2. Buy it as a rider:
You can buy a critical illness insurance policy as a rider to your existing health insurance policy. Hence you will not need to buy a new insurance policy to get this cover. Also, try to get this additional coverage in the health insurance policy provided by your employer to save money.

3. Low cost:
A critical illness insurance policy does not cost us a very high premium. The premium for such policies is much less than that for your regular health insurance. However, these covers provide us protection only for specific situations. Hence, they should never be used as a substitute for your regular health insurance policies.

4. Compare the premium charged:
Always compare the premium charged for critical illness insurance policies of different companies and select the most affordable one. You can do a detailed online search instead of visiting every insurance company's offices individually.

5. Check for the exact inclusions:
Always check the features and the exact inclusions of the policy because they may vary with every insurance company. Do thorough research and list what the policy does not cover. For example, your policy may state that it covers cancer. But it may also be mentioned in the fine print that it will provide a cover for cancer only after it reaches a certain level of severity.

6. Waiting period:
Look for a policy with the least waiting period. Usually, you can raise a claim for a critical illness after 90 days from the date of commencement of your policy. If you have a pre-existing major disease, the cover may start as late as 48 months from the commencement of the policy.

7. Age limit and benefits:
Always ensure the age limit until your policy provides you with insurance coverage. This will be helpful to you when you cross 60 years of age. There are some companies that provide a lifelong cover. Hence, it is advisable to choose such plans. Also, you should assess the benefits of your policy, such as NCB (No-claim bonus), in case you do not make any claim in a year.

Critical illnesses can result in the loss of your job, partial or permanent disability, and leave you with no source of income. The high cost of treatment can result in draining your pockets as the coverage provided by standard health insurance policies is insufficient for such misfortunes. The solution is to go for the best critical illness insurance policy available. The above tips can help you to choose the most affordable health insurance plans for critical illness upon which you can rely in times of actual need.

Click HERE to buy the best affordable 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.

Adventure sports have always been the best option for people who call themselves adrenaline junkies. They give you the thrill that knocks out your everyday life's monotony. There are different types of adventure sports, like river rafting, paragliding, bungee jumping, trekking, rock climbing, skydiving, and much more.

In this blog, we'll discuss parasailing, a sport that has created a special bond with adventure enthusiasts. Parasailing is an adventure sport that gives you the joy of sailing in the air while your parachute is towed by a motorboat or jeep. If you plan to enjoy this activity on your next beach vacation, consider this blog for an enjoyable experience.

1. The weather is an essential factor:
The parasailing conditions need to be suitable, and the timing of the day has an effect. Usually, a clear sky and a less windy time are preferred, so most people plan their parasailing trip in the mornings.

2. Get well acquainted with the equipment:
Knowing your parasailing equipment and its functionalities is a must. Even if you cannot understand the mechanics of the equipment in detail, you should be aware of the purpose of the essential tools which will keep you safe. The life jacket is provided to keep you safe if you need to land in water during emergencies.
The body harness helps keep you seated and is joined to the ends of the tow bar. The harness aids in eliminating your discomfort and helping you maintain a balance during sudden movement shifts. And the tow bar is attached to a parachute to help you glide smoothly and land without any significant danger.

3. Get complete information about the restrictions:
To restrict the risks to the bare minimum, the parasailing institutes set certain limitations regarding the prospective client's age, height, and weight for parasailing. These restrictions are also influenced by certain factors, such as the wind level. Still, you must check in with the guide who will help you to avoid any threats to your health and life.
The minimum age limit for the riders is usually around sixteen to eighteen years, and the minimum weight in case there are multiple riders is supposed to be about 150 pounds. But these limitations vary, so check this with your parasailing guide.

4. Your outfit:
Swimming-appropriate outfits help since they are snug and would help if you land in water or experience waves. But anything comfortable is a must, and the bottoms should fit you well so that you are focused on the experience and not distracted by the discomfort caused by your outfit. These experiences are not everyday things, so you better eliminate all sorts of discomfort, stress, and distractions to make the moment count.

5. Research the company:
Read the online reviews about your parasailing company/institute and check their ratings. You must go to the right agency with all security measures intact, trained professionals, quality equipment, and SOPs to take care of their riders. Always ask all the questions to clear your doubts before going in.

6. Carefully listen to the instructions:
Before they put the parasailing gear on, the guide will give you all the information you need, even though you are riding solo or with multiple riders. They will tell you the landing postures, which part of the equipment will help you ride low, high, turn, etc. Always ensure to clarify your doubts before you begin.

That was the complete guide for people trying parasailing for the first time. As we discussed, while adventure sports allow you to experience the unforgettable, they also involve a certain level of danger to your life. Therefore, browsing personal accident insurance plans as a mitigation strategy for unpredictable circumstances is essential. Choose the one that suits you best before planning your adventure trip.

Click HERE to learn how you and your friends can get personal accident 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.

With the temperature rising continuously, it is becoming harder to eliminate using air conditioners in our homes, offices, malls, and even our four-wheelers. Imagining life without ACs can be daunting to sustain the heat. Remember that one day when you got into your car, and you realised that the air conditioner was not working? It did feel like you would melt away. Winters are still a bit bearable, but travelling during summers and monsoons without the air conditioner in your vehicle can be an awful experience.

So, how can you predict your car's air conditioner is wrecked? Which part of the air conditioner would you need to change, and how would you know? Don't worry. This blog will discuss all the symptoms of an air conditioner repair.

But first, let's understand a little about your car's air conditioner's compressor:

The compressor is considered the central organ of the entire air conditioner system. Call it the AC's heart, if you will. It helps ensure that the refrigerant is flowing smoothly, which would provide the top performance of the air conditioner. Usually, an issue with the compressor results in low-effective cooling. And not just that, it can be quite dangerous if a compressor has some fault and there's a specific load on the air conditioner. We need to be aware of these signs that indicate the need to change the AC compressor.

1. Low cooling issues:
The first and the only sign you can quickly notice is the level of cooling. Having experienced a smooth performance from your four-wheeler's air conditioners on your trips to the market or work, you will be able to differentiate when the cooling is not that effective. This marks that the compressor cannot regulate the refrigerant flow smoothly, thus needing a replacement.

2. The annoying noise:
You might hear a loud, irritating and unusual noise whenever you switch on the air conditioner in your car. To address the issue, it is usually advised that you replace the entire cooling unit with a better and more compatible one for your car's manufacturing and other systems. Ensuring that your new unit is consistent with different electrical setups in your vehicle will help you avoid any damages that can endanger the car's safety, void the warranty of various systems, and violate the rules and regulations.

3. Clutch troubles can be experienced:
Faulty air conditioner compressors can cause issues with the clutch. It might seize or break, which ultimately indicates a power issue, and the compressor cannot access sufficient power from the engine.

4. Check the air vents:
Even if the compressors of the cooling unit of your car are faulty, you still need to ensure whether or not the air vents are clear for the air to flow without any obstructions. Clogged air vents can cause a disturbance in the smooth airflow from the air conditioner, thus lowering the levels of effective cooling inside the car. Clean the air vents and check again. If there is still an issue, the air conditioner's compressor must be checked thoroughly and replaced.

5. Fuse box examination:
Before deciding to go ahead and replace the compressor or the entire cooling unit, check the fuse box properly. While a faulty compressor is the cause of leaks in a refrigerant or low cooling, examining the fuse box leaves you with no second thoughts about changing the compressor.

Replacing the entire cooling unit and other repairing and servicing costs can be a substantial financial burden, even more so when you land in unfortunate circumstances that might cause severe damage to your car. Get a car insurance to avoid financial stress and ensure the longevity of your four-wheeler. You need the best car insurance which would serve your needs in the most efficient ways. Explore your options and do not delay buying reliable insurance to safeguard your asset against unfortunate events.

Click HERE to know more about the benefits of 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.

Learning a new skill and mastering it can be challenging and time taking. The same applies to car driving. Beginners first need to understand the various functionalities of a car. Then they take time to build and sharpen their road sense. Furthermore, they need to constantly practice to hone their driving skills.

However, driving on a single road can be a new game for many. Beginners will especially face challenges adjusting themselves to the single road. If you are a novice driver and wish to learn the tips to drive efficiently on a single-lane road, here's our guide to help you get started.

1. Acquaint yourself with the car:
The first thing any beginner should do is thoroughly acquaint himself with his car and its features. Cars have different gear patterns, and the responsiveness of the clutch and brakes also differ from one car to another.
Single roads usually have much heavier traffic than double-lane roads. A beginner should understand how his car responds with the press of the accelerator, brake, and clutch. Applying all three must happen in a rhythm. This understanding is essential to help beginners drive and maneuver their cars effectively through the traffic and potholes on single roads.

2. Traffic rules and road signals:
A beginner should familiarise himself with the prevalent traffic rules. This will help you save money by way of fines and penalties. You should also be familiar with the different signals and signboards put along the roads and indications used by other drivers. If speed breakers are approaching, you should lower your car's speed by seeing the board of "speed breakers ahead" on the roadsides.
Also, you should know that if a vehicle approaching you on a single road is flickering its headlights, it means that the driver wants to pass first. These factors will avoid unnecessary traffic jams, inconvenience, and the possibility of an accident.

3. Correct seating position:
You should adjust your driving seat according to your height and comfort. You should be in a comfortable position to easily access the car's pedals. Also, the seating position should help you maintain good posture so that you do not develop strains or backaches while driving through the busy single lane.

4. Slow speeds:
As a beginner, you should avoid driving fast or carelessly. Slow driving on a single road will ensure you fully control the car. Generally, the traffic in peak hours on a single lane is heavy, so drive with caution. Always Keep your eyes peeled to help you reach your destination safely.

5. Maintain safe distance:
Maintaining a safe distance from the car or vehicle in front while driving on a single road is essential. Due to the heavy traffic, vehicles brake suddenly on such roads. There will be no space to swerve and change lanes on a single road. Hence, the chances of an accident increase.

6. Take a double-lane road where possible:
As a beginner, you should always look for an alternative way to reach your destination by taking double-lane roads wherever possible, even if you have to cover a few extra kilometres.

7. Avoid driving at night:
Beginners should avoid taking a single road at night unless it is very necessary. This is so because the beam light of the car coming from the opposite direction often makes it difficult for beginners to see clearly. This problem is more severe on single roads as the space between cars is very less.

Summing up the entire discussion, we conclude that beginners should tread with extra caution while driving on single roads in India. People tend to drive as closely as possible to other vehicles in traffic, which can be troublesome for beginners. Fret not! Follow the above tips and be confident in your driving skills, practice traffic rules, and maintain lane discipline.

It is also essential for you to have valid car insurance as it is mandatory by law. Secondly, a good car insurance India plan will protect you against any possible damage while driving and compensate you for the repair and maintenance of your car.

Click HERE to buy a reliable car 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.

Cancer is one such illness that affects the patient and their family emotionally and mentally. According to recent studies, cancer rates are alarmingly increasing day by day. It can happen to anyone, irrespective of age, health, or lifestyle. Keeping these increasing numbers in mind, getting health insurance to manage expensive cancer treatment is ideal. Moreover, many insurance companies offer easy and quick health insurance policy renewals to avoid complications and get you financially protected.

Factors to consider when purchasing a cancer health insurance.

There are a lot of insurance plans in the market, which makes it confusing to find the right insurance company. It is important to purchase the right policy that matches your requirements to get the desired benefits in the event of a need. Understand that not just buying but timely cancer health insurance policy renewal is the best way to remain financially protected.

1. Type of policy:
Look for insurance policy features that specifically meet the needs of life-threatening diseases like cancer. You can also buy a cancer coverage add-on with your original health insurance policy or opt for the critical illness insurance policy that covers expensive medical charges.

2. Policy coverage:
Cancer treatments can jeopardize your lifelong savings. While some people can bear these expenses, some take out heavy loans to cover them. Thus, choosing a maximum sum assured and policy coverage is ideal. Also, look for an insurance provider that offers quick and hassle-free health insurance policy renewal.
During the critical cancer stage, you may be unable to work and provide income to the family. Therefore, ensure that your plan offers sufficient money to cover your lost income and medical expenses.

3. Waiting period:
Keep in mind that every health insurance plan comes with a waiting period. The waiting period for a particular disease can differ from one insurer to other. You may not be able to claim the medical expenses till your policy comes into force. Therefore, look for policies with shorter waiting periods or quick health insurance renewal to avoid increasing costs.

4. Prior medical history:
You may not know, but most insurers do not offer cancer coverage to those with a prior cancer history. Thus, if you have already survived cancer, your application has a chance of being rejected by the insurance company. Thus, disclose all health-related information with the insurance company when you buy a health insurance policy or consider health insurance policy renewal.

5. Insurance company:
Besides looking at the policy offerings and benefits, choosing the right insurance company is essential to ensuring a smooth purchase and claim settlement experience. It is recommended to check the insurance company's online reviews, customer support, claim settlement ratio, etc., and then choose the best policy.

6. Premium:
Another important factor to consider while purchasing cancer health insurance is the insurance premium. An insurance broker may offer maximum benefits, but if the insurance premium is out of your budget, all of these things do not matter. You must think twice before purchasing or considering health insurance policy renewal if the premium is out of budget.

While many want to avoid such dreadful illnesses, preparing yourself and your family for the worst is always a wise decision. Therefore, purchase or ensure regular health insurance policy renewal today to secure your tomorrow.

Click HERE for health insurance policy 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.

Imagine you're out with your car for some work, and suddenly another over-speeding vehicle rams into your car from behind. A scary situation, isn't it? Worrying about the damages is not a concern if you have the right protection. Car insurance is the immediate step you should buy to ensure that you are compensated fairly and stay financially stress-free.

When you begin choosing insurance from the options available, you always look for competitive premiums which are affordable and fully effective. Although you can get substantially low car insurance policies, you will not be able to enjoy all the benefits and features.

Let's have a detailed look at why you should not opt for the least-priced car insurance.

1. Unavailability of essential benefits:
The least-priced car insurance often strips you of the major benefits. Not all expensive insurance policies need to offer you all the benefits, but the least-priced ones offer you none. For instance, it may not even cover accident costs if someone else is driving the car at the time of an accident. Some insurance companies very cleverly offer you a low premium to attract you to their insurance policies. You must properly inspect your policy before determining the one you want to buy.

2. Impacts policy coverage:
The cost of the car insurance policy is directly proportional to the level of coverage it provides. If your insurance is cheap, the coverage will be lower too. There might be third-party insurance involved, which requires the protection against damages to the third party. You can be accountable for major crises in terms of losses or damages.

3. Lack of cashless claims:
If your insurance policy is cheap, you may not be able to enjoy cashless claims. This means that you will not be able to avail the facility of getting your car repaired in a garage that falls under your insurance. Under other circumstances, you will not be required to pay any money from your pocket. But with cheap car insurance, you are forced to pay for the damages before you apply for a claim.

4. Unsatisfactory customer service:
It is a known fact that the reputed insurance agencies ask you for a premium which is justified. This means that you will receive top-notch and priority treatment as a customer. You will be given the best support and care by the customer service of your designated insurance company. They will pay attention to all your complaints and resolve them on priority. In the case of cheap insurance, you will face unsatisfactory responses to your queries. Always keep that in mind.

5. Greater deductibles:
A deductible is a partial amount paid by the policy owner during the settlement of an insurance claim. With this feature in your car insurance policy, you need to pay a small deductible for your claim. However, for the least-priced car insurance, you need to pay a larger amount as deductibles. Only after the payment, you'll get the claim amount. This is how they loop you in for trouble. Always ensure that you read your documents carefully and ask all the right questions.

These points are enough to evaluate decently priced car insurance instead of a cheap one. Always make sure you explore all your options and purchase the best car insurance, which would cater to all your needs in the best way possible. By saving a few bucks today, you risk losing a lot of money tomorrow. Hence, choose wisely while getting car insurance to protect your car against hefty damages in unfortunate situations.

Click HERE to learn more about the benefits of car insurance and the process of determining the best option for you.

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 cold weather in the winter is a welcome change in most parts of the country that usually experience blazing heat. While Central and Southern India witness pleasant climates with a slight nip in the air, the upper Northern part experiences snowfall. However, getting safely on the roads in vehicles is challenging due to the intense fog and constant snowfall.

Many people avoid driving, especially motorcycles, in snowy terrains. However, it is possible to safely ride on snow with the proper gear, technique, and tips. While following these steps can better prepare you to handle the terrain and climate, taking precautionary methods is the first step you cannot skip at any cost.

Ensure that you have active bike insurance, or renew your bike insurance online to get the best quotes and compare policies from the comfort of your home. Now that we've set the base, here are some steps you must follow to guarantee a comfortable motorcycle ride in the snow.

1. Get your riding gear right:
Not having the essential requisites gear can invite discomfort and troubles for the rider. After taking the necessary steps to buy or renew your bike insurance online, check your riding equipment. While a helmet is all that is mandated in different climates, you need to be prepped for enduring the harsh cold.
Ensure that you wear adequate layers of well-fitted insulating barriers. The outermost layer should be water-resistant but breathable. Gloves and ridged boots are other necessities during the winter.

2. Prep your motorcycle:
A quick wipe-down may be sufficient in other conditions, but you need to snow-proof your vehicle. Switch to all-weather tyres to ensure better grip, and check your bike's mechanics before each ride. This will expose any issues beforehand and prevent accidents on slippery roads. Anti-fog visors are an example of winter-centric riding essentials that can help manoeuvre over the snow.

3. Stay seated at all times:
Bike stunts can be risky at all times, so it is best to avoid them in uncertain conditions like snow. Follow basic protocol and do not overload the bike to maintain proper balance, and be able to take charge of the situation if the motorcycle begins to slip and slide.

4. Focus on posture:
Relaxed posture is key to maintaining balance even in normal conditions, but even more in snow. Ensure that your shoulders are pushed back and loose while keeping your elbows steady instead of holding them at a 90-degree angle. This has a direct impact on the control over the bike.

5. Pay attention to the road ahead:
While this may seem obvious, it is challenging to take a call when all that's ahead of you is snow. If it is snow with evident traces of a road underneath, ride straight forward. The snow will compress underneath the tyre and fill the grooves.
If there are some tracks in the snow, it may be best to ride on the untrodden path instead of exploring new trails. If you encounter wide tyre tracks that have left the snow in a slush, riding on the slush may be your best bet, as your bike's tyres will touch the road, providing grip. However, if you see signs of ice underneath, steer clear.

While these tips can help you keep your bike upright in the snow and reduce the risk of accidents, it is best to seek shelter in case of heavy snowfall. Ensure that you drive slowly and make decisions ahead of time, as it takes longer to break in the snow. Don't forget to purchase or renew bike insurance online that covers any accidental damages to your bike due to the adverse impact of the snow.

Click HERE to invest in bike insurance online for your two wheeler.

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.

Ageing is an inevitable natural phenomenon. No matter how much you try, the effects of ageing are bound to catch up with you over time. A common symptom of ageing is loss of stamina. Tasks that used to be manageable begin to feel challenging. Although it is a regular sign of turning old, it is now being seen amongst youngsters as well. Despite the age gap, most people have low stamina levels and often get tired after doing relatively simple tasks.

In such situations, irrespective of your age, you must first buy a health insurance policy to cover any potential problems that might arise in the future. Nowadays, the process has become extremely simplified and can be done at home by running a quick search to buy health insurance online India.

Now that you have your health insurance covered, you can focus on taking preventive measures to stop your stamina from reducing further. The easiest way to do so is by following a regular exercise routine that focuses on cardio and eating a well-balanced diet. Here is a list of the best cardio exercises that can have your stamina up and leave you feeling energised when followed consistently.

1. Jump rope:
Also known as skipping rope, it is a quick exercise that doesn't need too much space or much equipment. To jump rope, all you need is a jump rope and some practice. We recommend wearing comfortable shoes while practising to prevent any injuries. The inexpensive cardio exercise is sure to get your heart rate up. You can also switch up things after a little bit of practice and go on to master double jumps, boxer jumps, and many more!

2. Brisk walk:
Surprised to see regular old walking on the list? Walking with more powerful strides than a stroll is known as brisk walking. It is easy to do and can be done at any time of the day and anywhere! Who says cardio has to be done on expensive equipment in fancy gyms?

3. Swimming:
Swimming is a form of low-impact cardio that is very enjoyable. You can take up the activity alone or with a group of friends to make it more fun. The variations in strokes allow you to stay engaged without repeatedly getting bored of the same thing.

4. Boxing:
If you enjoy more action-packed exercises involving competition, boxing may be the best fit. Studies show that boxing burns more calories than most cardio activities, making it a great addition to your day to increase your energy levels and stamina. Since it is a hands-on game that may result in injuries, you must be careful while practising it.

5. Cycling:
Since the Covid-19 pandemic, the sales of bicycles in India have grown multifold. Cycling is an excellent cardio exercise to go on a ride, and many cycling enthusiasts come together in groups and go cycling together to prevent any mishaps and support each other. If long-distance rides are not your thing, you can always stick to solo rides in nearby areas.

Why you must consider buying health insurance if you have low stamina?
Your lack of stamina may be due to poor diet, improper sleep, a hectic schedule, lifestyle choices, or an underlying medical condition. It is essential to buy health insurance online India for individuals of all ages. While you can take measures to build your stamina, a policy cover keeps you protected at all times, keeping you stress-free from any possible health accidents and associated bills.

Staying energetic every day requires discipline and sincere efforts. Our lifestyle has a major role in shaping the core of our body. Stamina is the fuel that we need to survive all the stress, and these simple and efficient cardio exercises are just what your body needs. If you can't change your lifestyle, then better change your mindset. Adapt to healthy practices and see the magic happen!

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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.