GENERAL INSURANCE BLOG

In 2023, one must gather basic information before getting a two wheeler insurance plan. Various two wheeler insurance options are now available from numerous insurance firms. But they aren't all the same, so you should compare them carefully before spending your hard-earned money on insurance. Selecting the best two wheeler insurance plan offers financial protection from potential losses.

Which two-wheeler insurance policies are offered in India?

For owners of two-wheelers, insurance companies provide third-party and comprehensive insurance coverage. You should carefully consider the distinction between them. It will help buyers choose the right plan that best meets their needs.

In 2023, there are five things to think about when purchasing a two-wheeler insurance policy.

1. The necessity for coverage:
Before buying a two-wheeler insurance policy, it is crucial to understand the coverage requirements. With the right coverage, people who own two-wheelers can get the best protection against third-party liability and other losses.

2. Knowing the Insurance Declared Value (IDV):
You should be aware of the market value of a vehicle at the time of the insurance declaration (IDV). Customers should evaluate the same and not overestimate or underestimate it because it will affect an insurance plan's premium.

3. Examining add-ons to the insurance policy:
Additional features that serve to improve protection are referred to as "add-ons." One should consider these things to get the most out of a two-wheeler insurance policy.

4. Selecting an established insurer:
Choose a reputable insurer to buy the two-wheeler insurance policy, the best customer and service experience. It is because not all insurers are the same, and reputable insurance companies have higher claim settlement ratios.

5. Renewables:
When purchasing two-wheeler insurance coverage from an insurer, you should consider renewability. It's undoubtedly helpful to have a simple and efficient renewal procedure. The best way to get a two-wheeler insurance policy is online.

The following procedures should be followed by anyone looking to purchase a two-wheeler insurance plan online.

1. Talking to other people:
When purchasing a 2 wheeler insurance policy, you should speak with peers. It will help determine if you need a third-party or full-coverage insurance plan and decide whether a plan would work for you.

2. Looking at online reviews:
Customers should study online reviews before purchasing a 2 wheeler insurance policy. You should examine the reviews of many plans before choosing the one that best fits your needs and budget, rather than just looking for the cheapest 2 wheeler insurance option with no accurate benefits.

3. Analysing the terms and conditions:
Two-wheeler owners should carefully read legal documents to avoid disputes and other problems after buying the policies.

4. Having a conversation with a company representative:
Owners of two-wheelers should speak with a company representative to get more information before choosing the least expensive 2 wheeler insurance in India. Concentrating more on one's goals allows one to understand the best plans that give protection against potential threats.

5. Buying online insurance:
Buying 2 wheeler insurance online is more structured and easy to operate. It allows you cheaper premium options and makes online payments instant and convenient. The entire online process is fast and hassle-free for the users.

A 2 wheeler insurance plan purchase entails several steps to get the right advice. Many insurance providers offer free quotations when customers wish to buy a 2 wheeler insurance plan. A plan with an expected cost is helpful when choosing one.

With the help of experienced staff and individual research, customers can easily buy 2 wheeler insurance online and get better protection against risk. Customisations are also an added advantage that allows insurers to bring down the cost of the policy they wish to buy.

Click HERE to buy the best 2 wheeler insurance for your bike.

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 has long been recognised for its illustrious past and imperial way of life. Its royal palaces were formerly the official residences of royal families but have since been turned into luxury historical hotels with old-world elegance and modern comforts.

Plenty of great palace hotels, particularly in the state of Rajasthan, are now open to visitors. You can visit these exquisite heritage hotels for your extended weekend plans and summer vacations. All of the listed hotels provide splendid service and a more personal experience.

Here are the four Indian palaces turned into hotels where you may indulge the maharaja inside you.

1. Taj Lake Palace, Udaipur:
The Taj Lake Palace in Udaipur is a historic hotel with magnificent rooms and many grand suites. Its location on an island in the middle of the lake Pichola provides exceptional sights of the nearby Aravalli hills, City Palace and Jag Mandir from each room.
The breathtaking setting is ideal for the delicious cuisine served at Taj Lake Palace's fine restaurants, solely available to resident guests. Udaipur, dubbed as the Venice of the East, has a great deal to offer with its spectacular palaces, serene lakes, fascinating temples, and beautiful gardens.

2. The Lalit Grand Palace, Srinagar:
The hotel was designed and constructed by Maharaja Pratap Singh during the 1900s. It has witnessed significant events in India's history and proudly continues the royal lineage with elegance.
It maintains well-equipped luxury suites, including cottages with spectacular design, an ample dining space, and a retail arcade. This beautiful palace is surrounded by the Himalayan peaks and overlooks the gorgeous Dal Lake.

3. Umaid Bhawan Palace, Jodhpur:
This piece of art built between the 1920s and 1940s is part of Rajasthan's legacy and a symbol of contemporary Jodhpur. The palace, formerly home to the royal family of Jodhpur, is now the world's 6th biggest private property.
One common feature that this property shares with Agra's Taj Mahal is the palm court marble used in its design. The palace is situated on Jodhpur's highest point, the Chittar Hills. Get impressed with unique views of the old Blue City, vast dunes, and the magnificent Mehrangarh Fort as you stay here.

4. Rambagh Palace, Jaipur:
Rambagh Palace, established in 1835, was home to Sawai Man Singh II. This jewel of a hotel has magnificently refurbished big luxury rooms and suites that were the erstwhile Maharaja's bedrooms once upon a time.
The palace has been lavishly embellished with hand-carved marble and beautiful Mughal Gardens. Immerse yourself into the finest of Rajasthan's royal history within this splendid palace.

Heritage hotels in India provide a royal treatment to the inner maharaja inside you. They are as stunning, if not more so, than any of Europe's colossal castles or impressive palaces. These remarkable palaces ensure a great and unique holiday to be remembered for years to come. As you plan your visit to these genuinely magical places, make sure you add general insurance to your checklist. Get the best plans for yourself from the most trusted general insurance company and make your travel plans safe and stress-free this summer.

Click HERE to buy insurance from the best general insurance company.

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 volatility of employment and predicting an incoming global economic recession are challenging. These make the consumers to save for tomorrow rather than spend on luxuries and comforts today. While motorcycles are cheaper than cars, they are by no means easy to afford with rising inflation, fuel costs, and other allied servicing costs.

This often leaves a majority of potential buyers to consider a second-hand motorcycle. While many have concerns about buying used motorcycles, by doing due diligence, inspecting the vehicle's mechanical condition, and purchasing two-wheeler insurance India, you can get your hands on a beneficial asset that can provide you with value for years to come!

Here is a checklist of bike parts and inspections to run through before purchasing a used motorcycle.

1. Engine:
The engine is the heart of any vehicle. To check the engine's condition, request the seller not to run the bike. A cold start is the best way to gauge the engine's usage and wear and tear. Look out for smoke from the exhaust pipe or any sputtering noises. Oil leaks are another sign to keep a watch for.

2. Drive chain and sprocket:
While these components may seem highly technical, they are readily identifiable parts in all two-wheelers. Simply put, it refers to the bike chain and the chain wheel, which facilitate gear engagement, acceleration, and power transmission.
Ideally, the chain should only have a slack of three-fourths of an inch to function appropriately and should not shift off the wheel when prodded. If the wheel displays signs of corrosion or wear and tear, it indicates a poorly-maintained bike. Ensure you list your dissatisfactions and factor them in when negotiating a fair price with the seller.

3. Tyres:
Well-maintained tyres are essential for a safe riding experience. Put the motorcycle on its centre stand and check its tread depths. Ensure that they are not too deep, which results in poor gripping and an excess risk of accidents. Cracks along the inner side or rubber toughening are signs of weathered tyres.
Also, check the wheel alignment by spinning the rear wheel. Any wobbling or creaking are indicators of weathered wheel bearings which require replacement. Ensure you check the tyres thoroughly to estimate the cost of repairs and acquisition of the used motorcycle.

4. Visible frame:
The motorcycle's frame can be challenging to inspect depending on the effort spent to spot the issues. Scratches and dents may be the signs of accidents that inevitably affect the overall functionality of the bike's components.
In case you purchase such bikes, even after buying two wheeler insurance India, you may not be able to claim the insurance amount due to the vehicle's poor condition before the accident.

5. Under-seat storage:
An often overlooked part, the under-seat storage locking mechanism, must be checked when purchasing the vehicle. Feel around the space underneath the seat to ensure that it is steady to fit your belongings.

6. Odometer:
Contrary to popular belief, it is easy to replace an odometer. Sellers of old vehicles can tamper with the odometer and try to sell off an old bike as a relatively new one. After inspecting the motorcycle as per the above checklist, check the odometer reading. Ensure that it is aligned with the condition of the vehicle.

While this is not a comprehensive list, it covers the essential things to check before purchasing a used motorcycle to protect yourself from misrepresentation and unfavourable deals. Additionally, since used bikes have a relatively unsafe perception, we recommend buying 2 wheeler insurance online to protect yourself from the risk of financial losses due to accidents.

Click HERE to buy a robust 2 wheeler insurance online 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.

Much like oil, the coolant in your car is a special fluid that can't be overlooked. Although, in comparison to oil, the coolant needs less attention. Car owners often tend to neglect it, which can severely damage the vehicle and potentially be life-threatening.

This post will give you a clear idea about what will happen if you drive with low or no coolant.

What is coolant?
Coolant is a combination of water and antifreeze. It has a greater boiling point than water, and works at higher temperatures and pressures to regulate the heat generated in the engine. It takes heat from the engine and radiates it back into the atmosphere via your radiator.

Here are the effects of driving with insufficient coolant.

1. Overheating:
The main function of a coolant is to extract heat from the engine. A shortage of coolant may cause your car engine to overheat. If you continue to run an overheated engine, there could be irreversible damage, such as pistons welding to the cylinders.

2. Engine cutoff:
Modern vehicles feature a safety mechanism that will turn off the engine if it suffers considerable damage due to a lack of coolant. Although this function can help you save on engine repairs, it can leave you stranded on the road.

3. Damage to the water pump:
The water pump’s function is to circulate coolant throughout the engine. The pump will continue to run dry if there is insufficient coolant. If the pump goes dry, racks and pockets of air will form in the coolant channel. This increases the pump’s burden and can destroy it permanently.

4. Damage to engine:
The engine blocks are not the only sections that can be damaged by overheating. Many other components can become exposed to heat.
Below is the overview of parts that may suffer the wrath of an overheated engine:

• Head gaskets

• Cams and pulleys

• Warped or bent connector rods

• Crankshaft

• Piston timing

• Connecting rod

5. Decreased mileage:
Your car's engine will be less efficient if you don't have enough coolant. Friction generates more heat, which means more energy is spent. As a result, the fuel efficiency is dismal.

How to identify low coolant levels?

1. Dashboard Warning:
The coolant warning light will light up on your dashboard when car sensors detect a low level of coolant. Keep an eye on your dashboard; it is essential to note that not all cars, especially the older ones, have this feature. Therefore, consider manual checking of the level periodically.

2. A.C. blows hot air:
If your AC unit starts blowing hot air, it is a sign of a lack of coolant.

3. Lower mileage:
Your car starts to consume more fuel per km and shows reduced engine performance.

4. Temperature gauge rise:
The temperature levels of internal components start showing an unexpected spike due to the low level of coolant.

It is vital to make regular coolant checks a habit. If your car's coolant runs out, pull over immediately. Let the engine cool to a safe operating temperature before going to the nearest garage.

If you're unable to drive to a garage, have your car towed to avoid the risk of further damages. Car insurance proves to be a valuable investment in such situations. So, purchase a car insurance policy that provides you with your desired benefits and adds value to your four-wheeler.

Click HERE to invest in ideal car insurance that meets all 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.