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!

Click HERE to buy health insurance online India.

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

Are you someone who is looking to buy a two wheeler soon? If yes, one of the important things you need to do is look for a trustworthy dealer. Purchasing a vehicle is always daunting as you have to pay close attention to the many aspects. A two wheeler is one of the best investments to make your life more comfortable and easier, and you must get the perfect deal from an auto dealer.

*Note
In addition to buying a two wheeler, it is also necessary to purchase two wheeler insurance. The best way to do this is to buy two wheeler insurance online and get exciting benefits that can protect your vehicle from all adversities.

So, as you have decided to purchase a new two wheeler, let's look at a few factors that can help you select the best auto dealer.

1. Type or category of the two wheeler:
While looking for a two wheeler dealer, you first need to focus on the type of vehicle. Since you can purchase either bikes or scooters nowadays, you should figure out whether the dealer sells those models of your choice. Scooters are more convenient to handle since they provide gearless riding experiences, automatic transmission, storage space benefits, etc.
Whereas bikes help you get better control, power, and handling. The bikes are more well-built for long and short distance rides, offering good fuel economy and a smooth riding experience. You should pay close attention to the dealer's collection, test-ride your favourite options, and then make a decision.

2. Budget:
The next important factor you must consider while selecting a two wheeler dealer is the budget. You should think beforehand about how much you are willing to spend on the vehicle. This aspect will also make it convenient for you to narrow down your options.
Two wheelers are available in different price ranges these days, and you should ensure the dealer has one that will fit your preferences. You should also consider your savings, tax costs, monthly expenses, etc., while buying a vehicle. In addition, you should have financial planning to buy two wheeler insurance online to help you in times of need.

3. New or Used:
The third important point you should pay close attention to while selecting a dealer is whether they keep new or used vehicles. If you are looking for a used bike, try your best to look for a dealer with an appropriate range of pre-owned vehicles and good ratings. Not just that, but you should also ensure the two wheelers they have are in good condition so that you may use them without any further hassle.

4. Look for customer reviews:
When looking for a two wheeler dealer, trust and customer service are paramount. You should always check the reviews and feedback of past customers before you make a decision.

Prepare a list of different dealers on the above parameters to make it convenient for you to figure out which one will best fit your requirements. It will also assist you in understanding who will be able to provide you with better facilities and options.

Although selecting one among various dealers may be challenging, you should do it thoroughly. Follow this checklist and look for a dealer that assures good after-sales service and reliable customer support. Do your research, compare different options, and then make a final decision. Don't rush into things, and most importantly, buy two wheeler insurance online to add a safety net to your newly bought vehicle.

Click HERE to buy two wheeler insurance online.

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

Commercial vehicles are used for transporting goods or carrying passengers, such as a truck or a bus. Their insurance policy is separate from the normal auto insurance policies we buy for private vehicles. Investing in commercial vehicle insurance is now hassle-free, with the exclusive option of buying online. This digital method of purchasing has brought a revolution for business owners to secure their commercial vehicles.

If you're a business owner unaware of the terms and conditions involved, here is a complete guide on buying commercial motor insurance online for business owners in India.

1. Convenient with many options:
An online commercial vehicle insurance policy is meant for business owners who are usually short on time. Buying commercial vehicle insurance online is very easy, offers many features, and will save a lot of your time. Unlike offline channels, buying such a policy online will help you check different companies' schemes. You can easily compare the terms and conditions, coverage provided, and premium amounts of different policies offered by various companies.

2. Cost-effective:
Online insurance channels are an open display of multiple commercial vehicle insurance schemes provided by several companies. Since there is complete transparency in what the policy offers along with the premium amount, the insurance companies quote their best rates to beat the competition. As a business owner, this will benefit you as you can buy the best policy at the most cost-effective rates.

3. Covers third-party damages:
A commercial vehicle such as a bus or a truck can cause serious damage to third parties if an accident occurs. The compensation amounts can be heavy, which can cause concern for any business owner. However, you need not be worried about the damage your commercial vehicle can cause to third parties when you are covered with a commercial motor insurance India plan. The insurance companies cover third-party damages caused by the commercial vehicle in case of a mishap.

4. Legal compliance:
Being a business owner, you will want to be 100% compliant with the applicable laws of the land to operate smoothly. Third-party commercial vehicle insurance is essential by law in India. Non-compliance will result in heavy fines. Existing customers can instantly renew their policies online without wasting time if the due date is approaching.

5. Financial assurance in case of an accident:
It is a rare possibility that you will yourself drive your commercial vehicle. Also, most business owners will have several such vehicles. They will be in the hands of paid drivers who handle your vehicle roughly and without proper care. This raises the chances of an accident immensely. Buying a good commercial motor insurance policy will ensure peace of your mind. In case any accident occurs, the insurance company will take care of the expenses. There will be no major financial burden on you.

6. Comprehensive commercial vehicle insurance coverage:
If you are looking for an insurance cover that will protect you against the majority of risks, go for a comprehensive commercial vehicle insurance coverage. Such online policies will protect you against damages caused to your vehicle by theft, riots, natural calamities such as floods and earthquakes, fire, terrorism, and the entire coverage that a third-party commercial vehicle insurance offer.

7. Exclusions in a commercial vehicle insurance policy:
As a business owner, you should know the damages your commercial vehicle insurance policy will not cover. Such policies exclude damages caused by electrical or mechanical breakdown, consequential losses, damages caused while driving under the influence of alcohol, driving without valid papers, damage while being involved in illegal activity, and intentional damages to the vehicle.

Commercial motor insurance India is extremely important because the owners rarely drive the vehicles themselves and depend upon drivers for their vehicles' safety and security. Also, the vehicles are heavy and big, making them more susceptible to accidents and damage. Business owners should do complete research about the available insurance options online first. They should then go for the best policy that provides complete coverage. This will give them peace of mind with no chances of incurring heavy monetary losses.

Click HERE to buy the best motor insurance India.

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

Even though we all know that eating fresh fruits is good for our health, are you aware of the magical benefits of drinking papaya water on an empty stomach in the morning? Papaya water has vitamins, helps digestion, eases menstrual pain, protects the kidneys, and reduces headaches and arthritis pain. It also helps fight cancer.

Regular consumption of papaya water can do wonders for your body. Let's understand the detailed benefits.

1. Positive effects of papaya water:
Now is the time to add papaya water to your daily diet to lose weight. The high fibre content facilitates smooth bowel movement, avoids constipation, and keeps you fuller for longer.

2. Immunity booster:
Boost your immunity with a glass of papaya water. It provides 200% of the recommended daily vitamin C intake, enhancing immunity and resistance to various infectious diseases. Develop a habit of drinking it every morning and give your body the day's immunity shot.

3. Eyesight improvement:
To get a clearer, brighter vision, eat papaya daily, whether raw or ripe. Papaya water is highly suggested for kids with eyesight problems because it is a powerhouse of vitamin A. Additionally, it prevents older persons' age-related macular degeneration from progressing as quickly.

4. Eases menstruation cramps:
Papaya is well-known for its characteristics in reducing menstrual pain. In addition to controlling menstrual flow, the fruit's papain enzyme instantly relieves discomfort for ladies with unbearable menstruation cramps.

5. Reduces stress:
According to studies, vitamin C deficiency significantly contributes to extreme stress and mood changes. Papaya water is a natural stress reliever that helps control mood swings and restore hormonal balance.
The antioxidants included in papaya water help fight free radical damage, a significant cause of cancer. Breast, colon, and prostate cancers can all be avoided by drinking papaya water regularly.
Dead skin cells are removed by vitamin A in papaya water, giving the skin an immediate moisture boost and a healthy glow. The potassium found in the fruit acts as a moisturiser and dullness remover. To notice results, spread a thin coating of papaya water mixed with honey on your skin and wash it off after 15 minutes.

6. Removes suntan:
Papaya has several enzymes that help treat sunburn and lighten skin. To fight microorganisms and get an instant glow, blend papaya water with a small amount of fresh lemon water and apply it to your skin. You will notice a sparkling effect of tan removal.

7. Works as a conditioner:
Thanks to its enzymes, papaya water naturally conditions the skin. To keep the keratin levels in the hair stable and the scalp free of dandruff, combine it with equal amounts of olive oil.

Though papaya may be consumed in various ways, drinking it as water is largely preferred since it tastes better. With the many vitamins, minerals, and antioxidants that papaya contains, it is a gift from mother nature that can have a surprising impact on your well-being. Include it in your diet daily to increase immunity and combat severe health conditions. However, papaya consumption is not recommended for pregnant ladies, as it can cause uterine contractions and abortion-related complications.

Along these lines, always buy health insurance online India to keep a protective cover on medical expenses during any emergency. The expense of medical care resulting from a disease, illness, or accident is covered by health insurance, making you feel stress-free and offering comprehensive protection to your loved ones. So, consider this most significant opportunity to protect the entire family and buy health insurance online India with a wide range of insured possibilities.

Click HERE to buy health insurance online India.

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

As a car owner, you already know that a vehicle breaking down can be extremely frustrating. After all, they are machines! As a result, you should always try your best to stay prepared for the worst. And if you are in the middle of a highway, you may do a few things to ensure you are safe and protected.

Breakdowns in the middle of a highway can be challenging and cause nightmares. Let us take a closer look at a few steps to get the best benefits while minimising the trouble caused due to unexpected breakdowns.

1. Park your car on the side of the road:
The first thing you need to do when your car breaks down in the middle of a highway is to park your vehicle as soon as possible. It is necessary because it can cause traffic jams and invite accidents. Try your best not to panic and slowly pull the car aside.
Not just that, but you should also remember to turn on your hazard lights to notify the people behind you. This factor will also assist you in avoiding a traffic jam without any difficulty.

2. Call for help:
The second thing you need to do when your car breaks down in the middle of a busy highway is to call a mechanic or roadside assistance company for help. This will make it convenient for you since they send professionals to fix your vehicle or tow it to the nearest garage or service centre. If the issue is fixable, they will do it within a few minutes on the spot so that you are good to go and reach your destination safely.

3. Keep tools in your car and use them:
If you know how to check a dead battery or change a flat tyre, you will be able to fix minor problems without any external help. Always keep important tools in your car at all times. For example, if you get a flat tyre, having a jack and a spare tyre will help you to change it and get to your destination within a short period.

4. Alert the traffic:
If your car breaks down in the middle of a highway, it is crucial to constantly alert and divert traffic. Since the traffic will always be moving, immediately put a triangle with reflectors behind your car to caution other drivers about the breakdown.
In case you don't have reflectors in your car, you can find objects like bushes and stones to create a barricading around your car and use them as a signal to alert upcoming vehicles about your breakdown. This way, you can avoid the chances of accidents due to collisions.

Your car breaking down in the middle of the road can cause panic, but you should try your best to deal with it confidently and with swift actions. Stay calm and think about things thoroughly to acquire the best outcomes. Always take your car to the service centre and get it thoroughly inspected for any problems before you set on a trip.

Make a checklist of important factors to cross-check them before travelling. Get your car insurance renewal before the next premium is due and avoid the policy from lapsing. Services discontinued due to non-renewal can make you lose vital benefits in case of an emergency.

Click HERE to get your car insurance renewal done.

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

It is annoying to drive in wet weather when the temperatures are slightly lower and your helmet visor starts to fog up. This greatly reduces visibility, making accidents and mishaps more plausible. As accidents and deaths relating to driver negligence in these matters are on the rise, the fines levied on bikers have also been increased so that they are more mindful of it.

The question is, how do you prevent your helmet from fogging up? This blog aims to answer just that.

The science behind fogged helmet visors:
The air you breathe out is always considerably warmer than the air you breathe, that is, the atmospheric air. Especially in colder temperatures, the exhaled air is much warmer than the air outside.
This difference in temperature results in the visor having a very cold surface, which, when brought into contact with the warm air that you breathe, immediately has small water droplets on it. This is the reason behind your fogged helmets. Fogged helmets are a traffic violation, and you might have to pay hefty fines if caught.

Tips for prevention.

1. Balaclavas to the rescue:
A balaclava is a close-fitted piece of cloth, usually made of cotton or wool, which covers the whole head and neck, except the eyes. It is the most effective way to prevent helmet fogging in winter and keep the head and neck warmer.
However, it should be of utmost importance to ensure that the material is of good quality and has good breathability. This is because the cloth might sit on your face for long durations, so it shouldn't be an itchy material and should not hinder the driver's ability to ride the bike.

2. DIY water repellents:
Bringing expensive products to prevent fogging might be a good investment, but it feels even better if the job gets done for free. A few things in your pantry might help with this problem. Putting a thin layer of fabric repellent on your visor can prevent the condensation from staying at your visor.
Being a water repellent, it makes the water slide off the visor. The same can be done with a potato, but you should not rub it too much, or the visor might look milky and obstruct the driver's vision.

3. Give the visor breathing space:
Ventilation is the key to having a clean visor. Open any vents that are available to you. Also, keep the visor cracked open by just a bit, just enough that cool air from outside can come and reduce the difference in temperature between the two areas. You can do this by using a piece of tape.

4. Pin-lock inserts:
This is a costly but sure way to prevent any fog on helmets. It's an additional layer in front of normal helmet visors that stays considerably warm compared to the outer visor, thus eliminating any condensation. If your helmet doesn't support pin-lock technology, you can install a pin-lock into your helmet by drilling two holes into it and inserting it.

Maximum precautions should be taken to keep you, your loved ones, and others on the road safe. However, mishaps might happen. You won't want to drain your finances in the making up for the loss due to such uninvited events. What's the solution? Buy two wheeler insurance India to keep you insured and financially secure.

Click HERE to know more about two wheeler insurance India.

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

Buying your dream car is only half the job done. Maintaining it properly is complex and time-consuming, but it is all worth in the end. Do you know that routine car windshield maintenance is one of car care's most overlooked aspects?

Your windshield gets chipped by a foreign object hitting it, reducing visibility and threatening your safety. You take precious time out of your day to get it fixed for an exorbitant price, only to have it break again at the mildest inconvenience.

This blog tries to understand better why a windshield protection film is a good investment for your car.

What is a windshield protection film, and how does it work?

Windshield protection films are generally made of 3 layers. The topmost layer is a protective layer that safeguards your windshield against scratches and prevents UV rays from entering the car and harming you. The second layer prevents the windshield from cracking, effectively acting as a shock absorber that distributes the force of the debris hitting it. The third layer is mainly for adhesive purposes.

Some of the perks of having a windshield protection film on your car involve the following.

1. Replacing a windshield can be heavy on the pocket:
Despite how easily the glass breaks when something heavy falls on it, the cost of replacing the windshield is not cheap. Also, if you have a luxury car, the windscreen may be connected to other systems in the vehicle, which may need recalibration, adding to the extra expense.
Driving with a cracked windshield is punishable by law. Save yourself additional expenses and avoid being tangled up on the wrong side of the law by installing a windshield at the earliest.

2. Maintaining the car's aesthetic:
Car enthusiasts know how important it is to make your car beautiful inside out. Just like you keep your car's paint job pristine, the tyres filled, and the inside clean, investing in a windshield protector that keeps the front of your car looking smooth is necessary.

3. Keeps you safe:
A cracked windshield can hamper your visibility to a great extent. This might lead to an accident and long-term damage to your car, or worse, you and your family. Also, a windshield protection film will decrease the chances of shattering in lousy weather conditions, such as cyclones or hail. It gives overall protection to your car.

4. Protects against UV damage:
UV rays damage the skin and retinas and cause long-lasting health conditions such as skin cancer and blindness. These films have the added advantage of blocking UV rays so that they can't enter the car and thus, resulting in better health.

Now you know the advantages of having the right windshield protection film on your car. It is vital to make a wise decision that meets your short-term and long-term goals for your car. Select the best windshield protector by discussing it with a trusted mechanic in your area. Just like you plan to upgrade your car's windshield, you need to consider upgrading the car's safety too.

You can achieve this by buying reliable car insurance. Before making the purchase, understand the new car insurance rates of different companies and their policies, and then finalise the one with the best coverage and rate.

Click HERE to know more about new car insurance rates.

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.

Planning family vacations is a daunting task that requires lots of research, budgeting, and scheduling to ensure everyone's availability. While adults' travel options are virtually unlimited, a lot must be considered when you have kids in tow. The climate, accessibility, activities that engage kids, and safety provided by the destination are the usual criteria that parents look for while planning family vacations.

Regardless of the destinations you consider, you must pay attention to purchasing general insurance that covers accidents while travelling. Especially when travelling with kids, it is necessary to be prudent, for which we recommend checking general insurance online quote, which makes the process easier, comparable, and faster.

With the increased means of living and accessibility to foreign countries, there is an increase in outbound vacations. Of the myriad options available for outbound tourism, the European destinations are the most-liked of them. Europe offers charming sceneries, stunning architecture, bustling cities in contrast to the peaceful countryside, and local cuisines palatable to kids. Here is a list of ideal European destinations that make for the perfect family vacation.

1. Rome:
Italy experiences long summer months and short winters, giving tourists plenty of time to explore the country. May to September is the peak tourist season for visiting its beautiful beaches. We recommend visiting Italy between April to May when the weather is pleasant and not too hot. The Colosseum, Spanish steps, and Gladiator Lessons are some of the experiences your family will surely enjoy. The city's delectable gelato, pasta, collection of cheeses, and freshly baked items in bakeries should not be missed.

2. Paris:
Popularly known as the city of love, it is home to gorgeous monuments. However, the city accommodates kids and offers much more to keep them engaged. Jardin du Luxembourg, built by Napoleon, is a 23- hectare park offering activities like sailboating, pony rides, carousels, and marionette shows that will thrill your kids and make for a perfect day out coupled with a picnic.
The city also has several museums dedicated to art, culture, science, and architecture for indoor activities. A magical day at the Disneyland Resort will be the perfect end to your stay in Paris.

3. The Algarve, Portugal:
The Algarve is your best bet if you're looking for an adventurous vacation with plenty of bonding time. Visit its magnificent sandy beaches to lounge, marvel over the natural beauty of the Benagil cave, or participate in surfing, jet boating, or dolphin-watching boat tours. You can also enjoy off-roading, go-karting, and horse riding or visit Zoomarine, Slide, Splash, or Aquashow, some of the region's best water parks.
Considering the risky nature of activities despite the safety of the Algarve, it is essential to have general insurance for your family that covers any accidental mishaps that may occur. Ensure that your insurance covers travel accidents, or consider purchasing one by comparing the general insurance online quote offered by insurance companies.

4. Corfu, Greece:
The famous island offers adventure, expansive pristine coasts, multiple museums, and archeological sites, making it a perfect destination for a family vacation. If you are seeking to lounge and relax, the East coast resorts offer just that and a selection of the finest restaurants and fun activities within the resorts.
The western coast has shallow beaches and sea caves that are a must-visit for adventure seekers. Rent a car and drive around the island while exploring the ruins of castles, museums, and picturesque villages.

Europe offers several destinations that make for ideal family vacations. Valid documents and a passion for exploration are all you require to make the most of your next European family vacation! Get ready to make a plan this holiday season. Also, remember to look for general insurance online quote before you plan your trip.

Click HERE to get a general insurance online quote.

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

An active insurance policy for two-wheelers protects you against damages caused by an accident, theft, and damage to a third party's vehicle or property. An active insurance policy is a must because two-wheelers are more prone to accidents than four-wheelers.
Also, an active insurance policy is compulsory under the law. As per the new Motor Vehicle Act, 2019, the fine for riding a two-wheeler without a valid insurance policy is a hefty Rs. 2000 and/or imprisonment up to 3 months.

If caught without a valid insurance policy for the second time, you may have to pay a fine of Rs. 4000! Hence, if your two-wheeler insurance has lapsed, immediately renew it, not just to be safe from being penalised but to have secure financial coverage for your two-wheeler. You can now easily renew two wheeler insurance online India with a few clicks and hassle-free payment.

Let us go through the consequences of delayed renewal and a lapsed two wheeler insurance policy in India.

1. Loss of cover:
The insurance cover ceases to exist from day one of the non-payment of the insurance premium for the renewal of the policy. This means that you should always renew your policy a few days in advance and never wait for the policy to expire first and then renew it. The insurance company will not cover any of the damages due to accidents or theft of the vehicle after the expiry of the policy. It will also not cover any third-party liability arising from an accident caused by you.

2. Delayed renewal:
There may be certain situations when you cannot renew your insurance policy in time. You may be ill, out of city or country, or forget the renewal date. To deal with such situations, a two-wheeler insurance policy provides a grace period of 90 days after the policy's end date. You can renew your policy within these 90 days, and the insurance company will create the policy as a "break-in". Such a renewal is termed a delayed renewal.
The delayed renewal allows you to claim certain benefits, such as your NCB. The "No claim bonus" accumulates yearly if you do not make any insurance claim. It is a sort of discount that you can enjoy in the insurance premium at the time of renewal of the policy. Over a few years, the accumulated NCB can help you save around 50% of the insurance premium.

3. Lapsed policy:
A policy cannot be renewed after the lapse of 90 days grace period that the insurance company provides. You will lose any unique benefits from your previous policy, such as the accumulated No Claim Bonus. The renewal premium will also be higher than what you pay in an existing policy. Moreover, you will have to get a fresh inspection done for your vehicle by the authorised person from the insurance company. You may have to bear the inspection costs as well.

Any insurance company will stop the protection cover immediately after your two-wheeler insurance policy expires. Unfortunately, if you meet with an accident even on the next day after your policy expires, the company will not compensate you for any claim.

Therefore, the best way to deal with such a situation is to renew your insurance cover in time. Renewing a policy has become quick nowadays with the emergence of two wheeler insurance online India. You need to keep your old insurance papers handy, visit the insurance company's website, go to the renewal section, make the required payment, and Bingo! Your renewal is done!

Click HERE to buy the best two wheeler insurance online India.

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

Filling your bike’s tyres with nitrogen will help you to maintain proper tyre pressure, which ensures that it runs smoothly under all riding conditions and terrains. Moreover, you can cover more distance per litre of fuel and considerably save on running costs. Also, correct tyre pressure ensures a better grip on the roads, which minimises the chances of a mishap.

You can also use compressed air to fill your bike tyres. One usually faces a dilemma of which one is better and why. In this blog, let us go through why filling your bike tyres with nitrogen is beneficial.

1. Longevity:
Compressed air seeps out of tyres much faster than nitrogen. While nitrogen usually stays in the tyres for almost a month, compressed air stays only for 10-15 days. Hence, if you fill your bike tyres with nitrogen, you will need to inflate them less frequently. Tyres will stay in shape for more days, saving you money and effort from continuously inflating the tyres.

2. Constant and uniform pressure:
Riding often during hot summer afternoons can increase the risk of a tyre bursting. The compressed air inside the tyre becomes very hot due to the high temperature. There is a higher level of water and oxygen in compressed air, which reacts with an increase in temperature. The air pressure increases due to heat, causing the tyre to burst.
Nitrogen is drier than regular compressed air and helps to retain constant and uniform pressure inside the tyre. It is more stable than compressed air and does not get heated up as quickly as regular air. Hence, the air pressure inside the tyre stays in control and does not shoot up with the heat. There is a much lesser chance of a tyre burst if it is filled with nitrogen.

3. Mix and go:
You don’t have to worry about refilling your bike tyre with nitrogen only every time you go for your tyre inflation. Compressed air and nitrogen can be mixed. Hence, you can always get your bike tyre filled with compressed air if nitrogen is not available around you. Also, nitrogen seeps out very slowly from your tyres in case of a puncture. You get sufficient time to get to a refilling station.

4. Savings:
Using nitrogen to fill your bike tyres helps save substantially on wear and tear costs. As mentioned, nitrogen keeps the tyres in good shape. It causes lesser rubber damage due to fatigue, and tyres last much longer. Also, nitrogen does not rust the metal tyre rim. Oxygen in the regular compressed air starts reacting with the moisture present in it, resulting in oxidation and rusting. So, with the use of nitrogen, the rim also lasts much longer, helping you save a lot of money in the long run.

Refilling our tyres with nitrogen is definitely more expensive than regular compressed air. But the overall benefits of using nitrogen are much more in the long run. We get a stable ride with a better grip and improved efficiency.

Similarly, buying bike insurance online is also more beneficial than buying it through regular offline channels. Bike insurance online provides us with a complete package of choice, comfort, coverage, and security, along with being economical.

Click HERE to buy bike insurance online.

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

The drive-in movie culture has always been popular in foreign countries but has recently become popular in India. These drive-ins provide entertainment opportunities at affordable costs and are a different experience compared to the traditional affairs of watching movies in theatres. Watching a movie with your loved ones, within the comfort of your own car/vehicle, under the spell of the stars and the night sky sounds like a dream.

Now, combine the fantastic experience of the drive-in movie with owning an electric vehicle or any vehicle of your choice. While it all sounds hunky dory, along with enjoying the interiors and familiarity of your car, you need to ensure that your vehicle's battery does not suffer any adverse impacts. Now, why would that happen? Well, most of the time, people keep the air conditioners on, the headlamps on, frequently turning the car on and off, and many other reasons. And, they unknowingly kill the whole drive-in affair!

These components are what make the fun of the drive-in affair! But did you know that you can enjoy a drive-in movie experience without draining your car's battery? Yes, you can. This blog will discuss some tips to help you understand the measures you can take to avoid decreasing the longevity of your battery and depleting the power. Let's get started!

1. Do you need those headlights on?
The duration of a movie lasts somewhere between one and a half to three hours. Keeping your headlamps and other lights switched on can be very draining on your electric vehicle's battery. And if you analyse, you do not need the taillights, and the headlights are always on during the movie.
There is sufficient light in the drive-ins for you to figure out your path and parking whenever needed. And switching off the lights can help you save power to run the car radio optimally, through which you can listen to the movie. The car radio does not substantially impact the battery, so you do not have to worry.

2. What to do about the engine?
You can run your engines for a short while. This would help you charge the battery of your electric vehicle as required. This charge would be sufficient to run the car's audio system to help you gain the optimum movie experience without extreme drainage of your vehicle's battery.

3. Make sure to check the batteries.
Whenever you have a drive-in movie plan, check your car batteries before you head out. If the batteries are old and worn out, they will drain quicker. If you find the battery ready for replacement, get it done. Newer batteries won't drain out as quickly, and you can be far from worrying about the depleting charge. Once you have obtained new batteries, head out for your movies and enjoy the marvellous experience.

4. Portable radio can also be your go-to option.
Usually, drive-in movies use FM radio (Frequency Modulation) to transmit the sound signals from one source to multiple sources. The car's radio helps you tune in to the frequency you can use and then enjoy the movie without any inconvenience. But, this does drain your battery, even in the slightest capacity. To avoid this, you can use portable radios that run on batteries.
Using these options will avoid draining your car's battery. Adding to this list is disconnecting all the additional features and devices like the sub-woofers and the amplifiers from the radio as they would consume more charge and drain the battery during the usage of the radio for the movie audio.

While talking about the longevity and health of your battery, it is also essential to be prepared for any uncertain circumstances that can potentially damage your car. To stay prepared and not be financially pressured during such stressful situations, you must ensure that you purchase the best car insurance that suitably caters to all your needs.

And now, you can buy car insurance online while enjoying the ease and comfort of your home. So, the next time you plan to move out for a drive-in movie or any other adventure in your car, make sure you have car insurance and other important documents handy.

Click HERE to know more about how you can buy car 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.

You might have felt tired and sluggish during the day, especially in the afternoon. This comes as a result of incomplete sleep. You may have been out for a party, a late-night movie, studying for some exam, or working on a presentation. The reasons can be many, but the result is always laziness and low energy levels throughout the next day.

What should you do to come out of this situation? Caffeine can be one solution, but it has a temporary effect, and an overdose can be harmful. A power nap can be blissful in such cases and can make you feel fresh and recharged. Let us go through some smart tips to practise the perfect power nap to revitalise yourself.

1. Appropriate duration:
A power nap is only to revitalise you rather than make you feel sleepy or dizzy and spoil the remaining part of your day. According to several clinical studies, the perfect duration for a power nap is 10-20 minutes. Anything lesser will not do the trick, and a longer power nap will have ill effects rather than a positive impact. You will start feeling sleepier and more irritated if you sleep more.

2. Time:
The perfect time for a power nap is after lunch but before 3 pm. A power nap after that will have a negative impact on your night sleep schedule. You will not be able to sleep properly, spoiling your next day.

3. Set an alarm:
A power nap is meant to be only for a short duration. Hence, use an alarm and set it to ring after 15-20 minutes of sleep. Otherwise, you may keep sleeping for longer and miss your essential work or spoil your routine for the remaining day.

4. Create the perfect environment:
The perfect environment for an instant and effective power nap is a dark, cool, and cosy room without any noise or disturbance. Such an environment signals your body that it is time to sleep and helps you relax. It will help you to take a nap quickly. Otherwise, you may end up trying to sleep forcefully, wasting your time, and still feeling sluggish.

5. Take coffee naps:
Studies suggest that even caffeine can help you achieve your desired power nap. Strange, isn't it? The effect of caffeine usually starts after 15-20 minutes of intake, say through a cup of coffee. You can have coffee, take your power nap instantly, and feel more refreshed and active by the time you wake up.
However, there can be a few disadvantages if you make this a habit. Caffeine can be addictive. It can hurt your memory performance, and you may start forgetting things after days of constant caffeine intake at a stretch.

6. Consistency:
Make your power nap schedule consistent to make it the most effective. Your body will get used to its time and duration. This will help you not oversleep and get refreshed and revitalised on time.

A power nap is an effective way to cure your sleep deprivation. It helps to boost your memory, attentiveness, and alertness while having a positive impact on your mood as well. You feel lighter, refreshed, and full of life.

Just like a perfect power nap is important to have much-needed rest and improved efficiency, a good health insurance policy is rewarding during a health emergency. You feel secure and do not have to worry about the sudden financial burden that an accident or medical emergency can cause. Hence, go for the insurance policy from the best health insurance company in India and lead a happy, stress-free life.

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

Ever heard the saying, "We are what we eat?" Our food habits significantly impact our lifestyle. Everyone is busy in a never-ending race, from office-goers to on-field workers and from school kids to college youth. As a result, our health habits go on a major toll. And eating habits are the most affected among all. Irregular eating time, skipping meals, and feeding on junk food are crucial problems that adversely affect our wellbeing.

It gradually becomes a part of our routine to consume packed food while travelling to work or have a round of burgers or pizzas with friends on the way back home. Consuming excessive junk food can be alarming in the long run. Should you stop munching on junk? It can be daunting to avoid junk food consciously. But do you think it is worth putting your health at stake for momentary pleasures? Certainly not!

Unless you work it off, you cannot help but become obese and get tangled up in a web of health issues. So, if you struggle to control your temptation, this article is for you to understand why it is essential to give up on junk food.

1. Get into the perfect shape:
It is vital to be informed about the harm that junk food can cause to our bodies. Junk foods constitute sugar, sodium, and fat, which makes people gain unwanted weight. By quitting these foods, you can reduce your calorie intake. It is a gradual process; eventually, you could feel a drastic dip in your energy levels.
Take baby steps by initially cutting down high-fat dressing. Consistently skip eating junk, and you will observe your body getting moulded in the perfect shape.

2. Fast food is addictive:
You can quell your hunger pangs with salty, sugary, fatty foods. But over time, you become addicted. It isn't surprising since it's flavourful, instant, and light on the pocket. So, it is almost inevitable for us not to crave badly just to get a bite of it. But you need to cut off the addiction and take a leap of faith to become healthy again.

3. Depression and anxiety:
Junk food consumption takes a toll on a person's mental health in the long term. Vitamin deficiency can cause brain-related problems and affects its growth and functioning. So, think twice before you consume excessive carbs.

4. Vitamin deficiency:
All the caffeinated drinks and greasy, high-fat food only lead to vitamin deficiency. These junk foods don't contain vital minerals, fibre, and healthy fats. This can make your body weak over time and develop uninvited health issues from an early stage of life. At times it can lead to medical emergencies. Invest in a health insurance policy to prevent these emergencies from venting into your pockets.

5. Inconsistency in sleep:
Nothing can be a great killjoy for a sleep-deficient person than junk food. Regular consumption of excess sugary items can hamper your precious sleep time. This would affect your efficiency at work. Thus, cutting down these would make you feel energetic and confident every day.

6. Health problems hit hard:
Regular consumption of oily or processed food can increase blood pressure, high cholesterol, etc., leading to various heart diseases if not controlled in time. The stomach suffers the most with severe pain, irritable bowel syndrome, acid reflux, vomiting, diarrhoea, heartburn, etc.

All the endless health problems junk food can cause are evident. The faster you realise, the quicker you heal! There is nothing greater than good health, and ensuring it is in the best shape is individual responsibility. Staying healthy doesn't mean giving up on the things that you love to do. You need to figure out the healthy alternatives and prevent the flavours of life from fading.

Another healthy habit besides avoiding junk food is to purchase a health insurance plan for you and your dear ones. By doing so, you are already taking a step towards a healthier lifestyle with the comprehensive coverage you can depend on during unavoidable incidents.

Click HERE to buy reliable health insurance for your family.

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

Car driving is a skill we want to ace throughout our lives. It is a constant learning process, and with practice comes perfection. There is no definition of the best car driving skills, but the more we do it, the better we will be at it.

Let us take you through a practical guide to ace your skills in city driving.

1. Know your car inside out:
You need to know your car inside out to master it. Every car's clutch, brake, and accelerator have a different feel. Familiarise yourself with it so that you can adjust yourself accordingly. Nowadays, gear position varies in cars from different companies.
The position of the reverse gear often changes with models, and some cars have six or even seven gears instead of the usual five gears. Know how your car's gears work, so you are fluent in changing them, especially while driving through heavy traffic.

2. Get used to your automatic car:
Automatic cars don't have a clutch. New drivers of automatic cars tend to push the brake, thinking it to be the clutch, especially while driving through traffic. This will bring your car to a sudden halt and put you at the risk of being banged by the vehicle right behind you.
If you have an automatic car, practice driving it on empty roads in the surroundings of your house. You will soon get used to the missing clutch and learn how to drive it skillfully through the busy roads.

3. Get your seating position right:
An appropriate seating position is necessary if you want to ace your city driving skills. Present-day cars come with power seats that can be brought forward or backward at the click of a button. If you are short in height, worry not.
These seats come with seat cushion tilt and height adjustment features as well. Recline the seat as per your comfort, and you are ready to go! Moreover, you can also adjust your car's steering wheel. Proper seating posture can make you feel comfortable and do wonders for your driving.

4. Understand your car features:
Nowadays, cars have many features that can leave us puzzled. Go through your car's various buttons and consoles thoroughly to know how to take advantage of the respective features. For example, cars nowadays come with a "parking assist" feature, making parking much easier on busy streets. Use the features effectively, which will improve your driving experience.

5. Maintain adequate distance:
Ensure that you maintain adequate distance between yourself and the car in front of you while driving through busy city roads. In case the car in the front stops suddenly, you should have a sufficient gap to apply your brakes and stop in time without crashing into the vehicle in front.

6. Use your rear-view and side mirrors:
Rear-view and side mirrors will show you exactly what vehicles are behind you, and you can adjust your direction and speed accordingly in the city traffic. Moreover, these mirrors are very helpful while backing your car and changing lanes.

7. Follow traffic rules:
Last but not least, follow traffic rules! Simple rules like giving an indicator while turning and not using your phone while driving can make you a much better driver in the city traffic.

The above tips will help you ace your city driving skills effectively and make you a better driver. City driving is a challenge, but with the right mindset and following the traffic rules strictly will help you effortlessly glide through the traffic.

Similarly, master the skill of safety, and buy the best car insurance online India. Take one step ahead of others in choosing a policy that will give you the best mix of proper insurance coverage and the lowest premium amount. Be the best, as always!

Click HERE to buy car insurance online India.

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

We all yearn for a trip with family and friends to rejuvenate ourselves from our routine life. This break is needed to remove all the stress and troubles, restore positivity and boost motivation. Planning such trips at least once a year and even more can help us cherish some rejoicing memories.

When we talk about memories, mentioning souvenirs is mandatory. They provide a glimpse of our journey, remind us of the fun-filled moments, and help us relive them long after travelling.

We all would love to keep these souvenirs right in front of our eyes at home, close to our hearts. Let us go through some of the best tips to decorate your home with travel souvenirs.

1. Pin it up:
Why stack up the beautiful postcards you purchased from your holiday destinations inside a cupboard? You can easily buy a soft board, hang it in your living room and pin up all the vibrant and mesmerising postcards you have on it. They will be a treat for your eyes every day you see them, and make sure you do not forget the lovely time you had.
Moreover, they will be a topic of interest and conversation whenever guests and friends visit your place. A well-arranged display of your vibrant postcards can act as a fantastic décor idea.

2. Use them on your bookshelf:
Small and vibrant coloured souvenirs can be a fantastic decoration for your bookshelf. You might read a book during your leisure time. Hence, these souvenirs will remind you of your vacation and be a treat to your eyes when you pick up a book to read in your leisure time.

3. Decorate your fridge:
Small magnetic souvenirs can be used as decorative pieces on your refrigerator. They will make your dull refrigerator door vibrant and buzzing with colours. Also, the souvenirs will remind you of the glimpses of the trip every time you open the fridge and help to lighten your mood.

4. Fabric as a travel souvenir:
Try buying small items made of unique fabric from your travel destination and use them in your house. They can be in the form of pillow covers, a scarf, a handkerchief, or even a dress or a t-shirt. They will act as lovely decorative pieces with purpose and use. Such works can make your home look colourful, bright, and welcoming. Also, such small pieces are usually inexpensive and convenient to carry.

5. Stones and rocks:
The next time you travel to any beach destination, remember to bring back local stones and rocks that are small in size but lovely to hold. You can also get sea shells from there. These pieces can work as beautiful decorative tools in your house.
You can keep a bowl full of beautiful rocks and stones on your centre table or dining table. You can decorate your home's main entrance with lovely sea shells. They will add a fresh variety to your home décor and make it look sporty and adventurous.

6. Wind chimes:
Buy good-quality wind chimes whenever you travel. They act as fantastic decorative pieces in your gallery and balconies. You can keep bringing new ones every time you travel and change your home décor frequently. Moreover, the mesmerising sound they produce can do wonders for your mood and senses.

Your home is about staying together and creating beautiful memories with every passing day. Travel souvenirs help you strengthen the bond of love and unity among family members by reminding the lovely moments you had together.

But your home will not be complete and secure just by decorating it. You should go for the best possible home insurance India and provide a secure environment for yourselves and your family members. Home insurance is like a security blanket that will protect it from any damage. Buy one today!

Click HERE to buy reliable home 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.

Driving is an activity that requires a very high amount of cognitive presence. As the number of accidents happening around the world becomes one of the leading causes of death, driving safely from one location to another should be an individual's primary concern while driving.

When the driver's mind is off the task of driving safely, the phenomenon is called distracted driving. Other signs of distracted driving are when the individual's eyes are not on the road or their hands are off the steering wheel. These activities significantly increase the risk of accidents and threaten the safety of everyone on the road.

Do you know that smoking cigarettes can cause distracted driving? With more and more people mocking drivers who use their phones while simultaneously driving, it should be common knowledge that cigarette smoking causes more distracted driving than using a phone. For instance, to smoke a cigarette, a driver has to;

1. Locate the cigarette pack. This might be difficult as it might be in the glove box, which further requires you to open it, or the back seat, which requires you to completely turn and look for the pack from the opposite direction of where you're supposed to look ahead.

2. Look for a lighter.

3. Light the smoke while still trying to keep your eyes on the road. It's already tricky to light a cigarette while driving, so it's accepted that there will be many unsuccessful attempts. This results in your concentration being broken for even longer.

4. Locating the ashtray to dispose of the ash and then discarding the cigarette will take even more of your time and demand your attention.

As per a study on the risk assessment of smoking habits while driving, it was concluded that the risk posed by distracted driving through the use of mobile phones is lesser than that of the use of cigarettes. It was observed that cigarette smoking resulted in about 12 seconds of distracted driving, while cell phone users averaged about 10.6 seconds.

Insurance claims:
Insurance claims are greatly affected by using cigarettes, even if you were not at fault. There might be a drunken or speeding driver who totaled your car from the rear end, and it might even be evident that you were not at fault, but your insurance claim is sure to suffer. Smoking while driving is seen as distracted driving, which is sure to affect your claim.

Health risks involved with smoking:
It has been known for a long time that smoking is detrimental to an individual's health and the people around them. However, nicotine dependence makes it very hard to quit. Even though the start is an innocent curiosity, it takes as little as 5 packs (100 cigarettes) to get addicted. And the more you smoke, the more receptors for nicotine form in your brain, and the more nicotine you need to get the same high.

Avoid putting your life at risk while in the car and practice healthy driving habits to stay safe in all situations. Invest in trustworthy motor insurance India and get an additional safety net for your vehicle to protect it from unexpected events and safeguard you from financial losses. Also, it is best to stop smoking altogether, or at least reduce your dependence on it to the degree that it doesn't affect your driving.

Click HERE to know more about motor insurance India.

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

Planning a road trip in itself can be a hassle. From deciding the location and handling the logistics to buying all the essentials and packing them, you must have a lot on your to-do list. In addition, the excitement of travelling makes us pack things that might not be necessary, and we carry them due to the slight probability of them coming into use.

But, is this important? Overpacking can lead to an overstuffed car which can ruin the comfort and convenience of your road trip. To save you from one more additional hassle in the morning when you realise that you have overpacked and absolutely nothing fits into the trunk of your car, here are some tips and tricks to help you best utilise the boot space in your vehicle.

1. Planning before packing is the key:
Before stuffing all the suitcases in at once, taking a breather and planning accordingly is advisable. Have a rough idea of the dimensions of your trunk and gauge the amount of stuff you can take. After this, advise all the passengers on the maximum limit of bags and suitcases they can take.

2. Vacuum packing for the win:
Try the effective vacuum packing method to fit the maximum amount of clothes and other travel essentials in a bag. This method allows you to suck the air out of bags, reducing the space taken by clothes up to 50 per cent. You may also use it as an excuse to pack several beach dresses instead of the one you really need! Also, another trick that you can use to save space in suitcases is to roll the clothes instead of folding them.

3. Replacing your suitcases with soft bags:
Squeezing and squashing suitcases are impossible. They are suitable for air travel, where luggage might be thrown around, but for road travel, it is handier to use soft bags like duffles.

4. Heavy things first:
Assemble all your items into their smallest possible state so they can be stored easily in all nooks and crannies of your vehicle. Ensure to store the heaviest luggage first in the boot of your car to prevent them from rolling around and causing harm to the car, the passengers, or other delicate items.

5. Be careful:
It's advisable to be innovative while piling the suitcases on top of each other. Tie it in with bungee cords or ropes if it feels like a suitcase might fly off. Especially in open vehicles, you must be careful and keep the safety of other drivers around you.

6. Get creative with spaces:
The boot of your car isn't the only place to store luggage. Use all available space in the vehicle, including the glovebox, the footrest, and the space beneath the seats. If all these spaces are insufficient, try using a roof box for bulkier suitcases.

7. A carry-on:
The most frustrating thing during a trip is when essential items are deep in the heaviest luggage, which has been kept at the very bottom of the trunk, and you have to unload every single suitcase before you get to it. To avoid this, think about the essential things required for the trip and put it all in the carry bag you'll hold. These can include sunscreen, tissues, and your toothbrush, among other things.

8. Don't overload:
Cramming too much in your car can drastically reduce fuel economy and risk your vehicle's suspension. You should also be mindful of the luggage in your backseat, which might obscure your rear-view mirror. Be mindful of the tyres as they can only take a certain pressure. Check the driver's manual and determine the tyre's pressure for a heavy load.

Successful packing is the key to a hassle-free vacation. Be mindful of the things that you take along with you. Take precautions in advance to avoid facing damage to your car due to an overloaded trunk. But, having comprehensive car insurance handy can be your saviour if you face any damage. However, research new car insurance rates before making the final decision and look for the plan that promises the best coverage and benefits.

Click HERE to know more about new car insurance rates.

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 one of us tries to include as much nutritious food as possible to achieve a healthy lifestyle and stay fit and strong. To have proper nutrition in the daily diet, you should be aware of its various sources and the ideal intake of each type of food.

Let us go through a few interesting facts about nutrition that people aren't aware of.

1. Low-fat processed food is not healthy:
We often see propaganda and advertisements of artificially processed low-fat food to be healthy and nutritious without compromising on taste. This is a common myth. Most processed low-fat foods do not help in reducing weight. Also, they are unhealthy and do not help control or curb diseases.
Studies have shown that manufacturers use sugar and other preservatives, which can prove detrimental to your health and nutrition instead of benefitting you.

2. Fruit juices are high in sugar:
Since you were kids, you might have been told to drink a lot of fruit juice regularly as they are very healthy and a good substitute for eating fruits in raw form. You need to recheck this fact.
Fruit juices – apple, orange, or pomegranate, have high sugar content. You will be surprised to know that this sugar content equals any cola or soft drink you consume and is no better. Moreover, the packaged fruit juice that comes with the claim of having been made from real fruits is even more detrimental to your nutrition since they are made after removing wholesome fruit parts such as the skin and the pulp.
You can usually not eat three or four oranges in one sitting. However, a glassful of orange juice will contain the equivalent sugar of three to four oranges. Hence, consuming fruit juices frequently for your nutrition is not a very good idea.

3. The truth about weight loss supplements:
You often purchase over-priced weight loss supplements believing them to be helpful in your quest to lose weight. The truth is that these supplements hardly help us in doing so. They often prove inadequate for your nutrition and harm your body in several other ways.
The best way to lose weight is to increase your intake of nutritious food, reduce your calorie intake and stay physically active.

4. Calories are not everything:
You don't have to necessarily watch your calorie intake all day to lose weight and stay in shape. Having nutritious food high in protein can be a good calorie restrictor and help you to shed your excess weight.

5. Nutrition is more about control:
You often crave certain food and are willing to put in a good amount of effort just to get them. This usually happens with junk food that hardly has any nutrition and is unhealthy.
Junk food releases large amounts of dopamine in your body, similar to pleasure in your brain. Hence, the brain sends a signal to have more of such junk food. You start eating it more frequently and in much higher quantities than you can digest. Hence, eating junk food is more of an addiction for most people. Having nutritious food is more about controlling such behaviour and restricting junk food intake.

Nutrition should be at the top of our list in attaining a stronger inner self. Nutritious food is our passport to leading a secure and fit life that can keep us away from diseases and ensure our well-being.

A good health insurance policy is equally important to you, just as proper nutrition. You should compulsorily make it a part of your life as it will keep you secure and guarantee financial support in medical emergencies. Even if you have an active health insurance policy, always check its expiry date. Renew health insurance online and lead a hassle-free and protected life.

Click HERE to buy or 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.

Indian roads witness several incidents of massive accidents and crashes of vehicles every year. According to a report, the number of deaths per thousand vehicles in 2021 has risen from 0.45 to 0.53, meaning around 426 people die each day in road accidents. The main reason for road accidents is bad driving habits and negligence in following the traffic rules.

Bad driving habits also have an impact on your driving record, which can have a significant effect on your car insurance claim. Having a clean driving record is beneficial when making claims or buying insurance for your car. You should learn about all the lousy car driving habits and eliminate them to protect yourself and other drivers on the road.

Here are the most annoying driving habits that many drivers have.

1. Not driving in lanes:
It is a common car-driving habit seen in Indian drivers. Drivers lack lane discipline because they get improper training at car driving schools about the leftmost and rightmost lanes.

2. Tailgating:
Most drivers habitually fill the gap between their car and the car in front of them. Driving closely to another car is the most annoying as your car may hit other vehicles and cause traffic jams.

3. Wrong side driving:
Drivers often drive on the opposite side of the road when they find crowds or traffic on their side of the road. Driving on the wrong side of the road is a risky move to practice as it involves heavy chances of collisions.

4. Riding the clutch:
Feathering the accelerator while keeping the clutch pressed will damage the car's clutch cables, clutch plate, and pressure plates. You should avoid riding a clutch when you are on a busy road.

5. Not following traffic signals:
Most people skip the red light to reach their destination a minute earlier. However, hurrying for a minute can cost you a lifetime. Violating a traffic rule can get you into trouble, like getting a fine or challan and, worst case, your licence being suspended.

6. Not giving proper signals:
Some drivers need to consider giving indicators or hand signals more importance while making a turn or a forced stop. They suddenly take turns and put the vehicles from behind in extreme danger.

7. Using a phone while driving:
Texting or talking on mobile phones distracts drivers from the road, which causes them to meet catastrophic consequences. If you urgently want to talk to someone, then use the speaker and AUX facility of the car's music system.

8. Not wearing seatbelts:
Most people understand the importance of seatbelts, but some drivers don't wear seatbelts while driving on the road.

9. Driving under influence:
Alcohol and other toxic substances impair the driver's judgement and slow down the necessary responses for safe driving. Many drivers create a nuisance and chaos on the road due to intoxication and are the reason for choking the traffic.

10. Losing your composure:
Most road accidents happen because drivers lose their calm when they get stuck in traffic or encounter harsh driving by other drivers. Getting frustrated while driving can weaken your judgement, and you'll make wrong choices that might elevate your problems.

It is necessary to become responsible on the road and spread awareness about the annoying habits of drivers that may turn into fatal accidents on the road. You should also maintain a proper driving style to avoid paying higher premiums for car insurance. Follow the traffic rules and regulations to avoid putting your life and others in danger. It also helps you keep your driving record clean.

Click HERE to buy the best car insurance in India.

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

The recent sales trends indicate a pickup in demand for two-wheelers in India as the Indian consumers have begun spending at par with pre-pandemic levels. However, Indians continue to undermine the importance of having insurance for their two-wheelers. Although made compulsory by the IRDAI to purchase a long-term third-party insurance plan, many still don't follow the mandate.

With the plethora of online resources available, there is no excuse for delaying insuring your two-wheeler anymore. Most insurance providers have made their services accessible online, making it extremely straightforward to purchase 2 wheeler insurance online.

Read on to debunk eight common myths surrounding purchasing 2 wheeler insurance online.

Myth 1: Purchasing online insurance requires you to be a tech-wiz.
False! It is incredibly effortless to purchase an online insurance plan for your two-wheeler! You only need a stable internet connection, basic vehicle details, and your personal details. Once you choose an appropriate policy on the insurance provider's website, fill up the data, and you will be redirected to the payment gateway.
Upon successful processing, your insurance policy details are emailed to you. It's just that simple! If it appears to be difficult, you can always refer to our simple 5 step guide to help you get the best 2 wheeler insurance online for your vehicle.

Myth 2: Online insurance is expensive when compared to offline.
Online insurance eliminates a middleman's interference, thereby eliminating any additional commission. Your insurance provider also gives further discounts and other benefits when purchasing insurance directly. How much better can it get?

Myth 3: It is complex to switch policies when purchased online.
What does the internet do? It makes things convenient! Purchasing online insurance is the easiest way to switch between plans. Although it is recommended to upgrade your policy rather than switching insurance companies, it is also quite simple if you need to change your insurance.

Myth 4: Making claims on insurance purchased online is challenging.
While the process of claim settlement varies from company to company, it has nothing to do with the mode of buying the insurance policy. The proper documents and proof according to the company's procedure will result in successful claims and reimbursement.

Myth 5: There are very few options to choose from.
Incorrect! With technology, comparison becomes easy, and so does accessing a wide range of options. Your preferred insurance company most likely provides a comparative differentiation between different plans, further simplifying the process.

Myth 6: 2 wheeler insurance online is risky.
Online insurance very clearly states what is included and what's not. It is transparent and comes with no hidden cost. The payment options are also safe and keep your data protected. There is clearly no risk in purchasing online insurance.

Myth 7: Purchasing online insurance leads to data leaks.
If you choose to purchase online insurance, you can rest assured that your personal, vehicle and payment details are in safe hands. All reputed insurance companies do all they can to keep your data safe.

Myth 8: No assistance provided.
Most insurance companies have live chat, email, and customer services options that allow you to get in touch with a professional in case of any queries or issues. Although it is easy to self-navigate through the process, you can still always ask for assistance.

Most myths surrounding online insurance arise from misconceptions. We have attempted to debunk all these misconceptions about buying two-wheeler insurance digitally. The future is digital, and we should be ready to welcome it by taking these small measures of making investments online. Purchasing insurance online is completely safe and provides significant value to your two-wheeler. Without further delay, make the purchase now!

Click HERE to compare and buy 2 wheeler insurance online.

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

Everyone from all ages and walks of life enjoys exploring new places, and there can be no better way to discover the best of India's exciting destinations than a road trip. Have you ever wondered why?

From city commutes to long-distance planning vacations, travelling by road has a special sentiment that binds travellers to its charm. After the restrictions for the pandemic have been lifted, travel by road has become all the more prevalent.

There are many reasons why road trips are considered the best way to travel. However, it is also important to prioritise your safety when taking up a road journey. Investing in personal accident insurance plans is the best way to do this. Go through the terms and conditions and understand the benefits offered if you ever find yourself in a problem and decide to claim your insurance.

Let's look at some of the perks of travelling by road to explore places.

1. It is more convenient and less stressful:
When you travel by road, you can connect with the quaint interiors of the country and visit offbeat places that can only be seen by road. Road journeys are convenient and hassle-free as you get the luxury to take as many pit stops as you want and enjoy your trip.

2. There will be no baggage issues:
When you're on a road trip, you will have the complete freedom to choose the luggage you carry with you. You will not be restricted to any limited baggage size or weight and can pack a significant amount of your wardrobe in your car.
This way, you do not have to repeat the same shirts on vacation. You can also carry things like a mini fridge or a large bag full of snacks and make your vehicle appear as a cool campervan.

3. It provides flexibility:
With road travelling, there is a lot of room for flexibility. You will not be restricted to any timings or protocols you must follow. The restrictions can take the fun out of travelling. But, when you have a personal vehicle at your service, you do not have to wait for public transport to take you to places. You can venture into the unknown without any questions asked.

4. They are easy on the pocket:
Road trips are easy on your pocket, especially when travelling with a group. As the pandemic restrictions are lifted, the cost of travelling by air or train has increased significantly. Although the fuel prices are high, they can still be lower than the cost of travelling by other means. Apart from that, the fuel cost will be equally divided when travelling with friends.

5. An immersive experience:
Travelling by road offers a myriad of experiences that are second to none. The long stretch of national highways, good inter and intra-state connectivity, plush food and shopping options, thrilling countryside roads, mountains, etc., make road trips exciting. Watching the sunrise next to the highway and sipping tea as you move towards your destination is a fantastic feeling that only road journeys can offer.

You should plan at least one road trip a year to better understand what makes exploration by road unique. Road journeys, rather spontaneous than planned, are one of the most memorable experiences. Take your friends or family along or plan it solo, just pick a destination and set off to discover places where roads lead to perfect moments.

No matter where you travel, you should always abide by the traffic rules, wear seatbelts, and carry all the essential documents. It is advisable to ensure your safety on roads and invest in personal accident insurance plans that can cover your medical expenses if ever you meet with an accident. With all this said, get ready to conquer the roads and absorb the vibrancy of places to make unforgettable memories.

Click HERE to know more about 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.

A car is usually the second most sought-after asset for any household in India after a home. Buying a car is not an expensive affair anymore as it is easy to get a car loan and repay it through a fixed monthly deduction from your account in the form of EMIs. But wait, there is more. You need to consider many other aspects than just the car's initial price.

You will incur many other expenses towards your car in the form of annual insurance renewal, fuel, maintenance, repairs, etc. You have to consider all these expenses while planning for a car.

Let us go through the best ways to manage your car financially.

1. How much to spend:
The first question that comes to mind while buying a car is how much to spend on it so that you are comfortable enough to meet the down payment, monthly EMIs, and other running expenses. You need to make a budget and jot down your monthly income on one side and current expenses, including other loan repayments, on the other side. It will give you a fair idea about how much spare money is left with you each month that you can spend on the car.
If the proposed EMI is more than the spare monthly money, you should go for a car of lower value. Understand that cars are meant to give us convenience rather than a financial burden each month.

2. Make a big down-payment:
Try to make a big down payment for your car, which will reduce your loan amount and ease the pressure on you to repay it in the following years. Also, you can bargain well for the interest rate when you seek a smaller loan.

3. EMI management:
Go for a shorter duration loan tenure. The longer the loan repayment period, the higher the interest you will pay on your car loan. By clearing your loan quickly, you will become the valid owner of your car much sooner and can sell it if you wish.
Once you have fixed the tenure, ensure you get all your EMIs. Missing an EMI will harm your credit rating. Poor credit rating makes it difficult for you to get a new loan from a bank or a financial institution for any purpose. Moreover, if you miss a few EMIs, the repossession agents will take away your car. This can be a major embarrassment for you and cause a lot of mental agony and pressure.
Your misery does not end here. If the lending institution auctions your car for a lesser amount than what you owe them, they will still come after you to get back this deficit.

4. Go for an extended warranty:
You often get an extended warranty with your car against some extra payment. This payment may pinch you initially, but it can be very useful if your car malfunctions during the warranty period. The warranty will cover the repairs and renewal expenses, and you will save a lot more than what you paid for the extended warranty.

5. Car refinancing:
After taking a loan while purchasing the car, you may find out that you are getting a better deal on repayment or interest from some other lender. In such cases, you can opt for a car refinancing facility. This will replace your existing car loan with a new one from another lender and help you save money.

6. Talk to your lender:
Sometimes it may become inevitable for you to repay EMIs due to financial constraints. In such cases, feel free to talk to your lender and modify your repayment schedule. After all, no lender wants to take the pain of repossessing your car and arranging its auction if an alternate payment schedule is available.

It is important to manage your car’s finance in the best possible way. You will enjoy a good credit rating from the agencies and save money by paying the lower interest on your car loan.

Car insurance is another way to manage your car financially. It will provide security and cover all expenses if your car gets stolen, has an accident, or gets damaged due to natural calamities such as a fire or an earthquake. Buy car insurance online India and save further on insurance costs right from the comfort of your home. It’s time to make the right investment to get the best returns.

Click HERE to purchase car insurance online India.

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

Road trips are one of the best ways to rewind after a hectic work schedule. With the constant work-related stress of life, it's imperative to get out of your house once in a while to gain a fresh mindset and increase one's productivity. For women especially, such trips at least once a year are vital to set free and get rewarded for all the hard work. But whenever travel and women come together, emotions go out of bound. From planning the itinerary to packing up stuff, the excitement of the trip can be felt way before its commencement. However, packing can be quite a herculean task in itself.

Deciding which items are essential during a road trip can be confusing. Following are a few packing tips that can be a saviour for women travelling solo or in a group.

1. Luggage:
Handbags are a woman's best friend on a road trip. Lugging around your suitcase on a road trip does not sound ideal for anyone, especially on road trips where you're constantly on the move.
The primary concern with a handbag full of stuff is that they take a toll on your shoulder and hands, which is easily avoidable if you take a backpack that fits your body correctly. This helps the weight to get evenly distributed across your back.

2. Clothing:
It is recommended to bring as few clothes as possible without running out of options of clothing to wear. Select the clothes in such a way that you can mix and match them to make different combinations.
It's always advisable to bring a higher number of undergarments, though, as there might not be a lot of opportunities to clean clothes along the way.

3. Toiletries:
Bring along your toiletries in a small, travel-friendly pack and keep it in an accessible place so that it is not a hassle every time you stop at a hotel for a night's stay.
Most hotels provide bare essentials, but it's always best to carry your own. Bring along minimal makeup for the trip in sample-sized containers to avoid it taking too much space in your luggage.

4. Entertainment:
Road trips can get a little boring at times, with endless roads to travel before reaching the destination. When looking out the window to see the scenery becomes too monotonous, you need a good book to read to pass the time.
So, get that book you meant to read for the longest time along with you in your backpack. If you're travelling with friends or family and looking for a group activity, blast your favourite playlist in the speakers to make a memorable ambiance in the car!

5. Safety products:
As a woman traveller, the top priority is safety. It can be unsafe for lone female travellers to travel on deserted roads to unknown places, especially at night. But that's no reason to stay holed up in your house all year. Getting a lock for all your belongings is essential to prevent them from getting stolen.
Also, for your personal safety, get a personal alarm that rings loudly if you press it. This is a better alternative to pepper spray as it is legal in all countries and is small and easy to carry around. Also, check up on your private car insurance India to have a backup in case your car breaks down in the middle of the trip.

Road trips can be an exhilarating experience for those who want to rejuvenate themselves after monotonous weeks of work. You can make packing less daunting and more enjoyable by bringing the above tips into practice. If you are travelling solo, then get your car serviced properly before setting off on the trip. Also, check the crucial documents like your driving licence, car's PUC, and insurance papers. Be up to date with your private car insurance India to stay stress-free during the trip. Happy travels!

Click HERE to know more about private 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.

One adorable aspect of motorbikes is the sense of excitement that quickly emerges once you start riding. By sharing this passion for bikes, scooters, or both, you may instantly connect with other riders you've never met before from all walks of life.

Riding with a group of passionate bikers is a mesmerising experience, and it never fails to give you the kick you always expect from touring in a group. Staying connected and ensuring clear communication while riding is crucial to keep the entire group organised with proper coordination. Well, this can be achieved by a few basic hand gestures and signals that riders use to communicate their message to the group.

As we know, action speaks louder than words. Similarly, communicating through actions or gestures is the best way to interact with the group while on tour.

Here are some basic motorcycle hand signals commonly used by the bikers.

● Increase speed: Swinging your left arm up and out straight.

● Slow down: Swing your left arm to your side with the palm facing down, straight out in front of you.

● Right turn: Right arm extended, bent at a 90-degree angle, and clinched.

● Left turn: Left arm and hand extended, palm downward.

While not the most thrilling signs, it's important to understand these basic gestures and use them wisely.

Newest rider in the group:

You might have little riding experience if you recently bought a bike or scooter and joined a biker's community. It becomes daunting at first to create bonding and synergy with the group, but as time goes on and with every new trip, you start vibing with the gang.

But as a new two-wheeler owner, you may have little riding experience and fear the chance of accidents. Therefore, when you purchase a new bike or scooter, be careful to choose a comprehensive bike insurance policy to safeguard your asset. You can also select specific add-ons to strengthen the coverage, providing peace of mind while riding.

Easy-to-Use group ride signals:

● Follow me: Straight up from the shoulder, left arm, palm outward.

● Road hazard: Use your left hand to indicate the left side and your right foot to indicate the right side.

● Fuel: Left arm extended, pointing to tank with extended finger.

● Stop: Left arm down, and palm turned back.

● Comfort stop: Extending the left forearm, clenching the fist in a quick upward and downward motion.

● Refreshment stop: thumb to mouth, fingers closed. Particularly during long-distance trips, where frequent rest stops are necessary.

A few less common hand signals used by the riders:

● Pull off: Pull off with the left arm set up for a right turn and the forearm angled toward the shoulder.

● Come: Swing in an arc from the back to the front with the left arm extended 45 degrees upward, palm forward pointing with the index finger.

● Single file: Straight up the index finger and left arm.

● Double file: Left arm with the index and middle fingers extended straight up.

If you want extra points, use these signals to organise your group or to impress your fellow riders. Although these signals aren't quite as amazing as the "wave," which make your group rides more entertaining and safer. Please heed the following advice and don't worry.

But before you head out on a bike trip, it is important to thoroughly get your bike serviced and fix the problems, if any. Validate all your essential documents like driving licence, PUC, and bike insurance. If your bike insurance has expired, immediately renew it to get reliable coverage for your bike throughout your trip.

Click HERE to buy bike insurance for your new 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.

It’s the time of the year when the weather is most unpredictable. You might wake up to scorching heat, and the moment you decide to head out for your grocery run, it’s raining. The uncertain weather is not the only annoying part of the season, but the hoard of illnesses that it brings with itself is more frustrating. Runny nose, body temperature and shivers, sore throat, and the list goes on.

This article will look at a few ways to ensure good health and boost your immune system during the climate transition phase.

1. Increase your probiotic intake:
Probiotics are microorganisms that promote the better health of your gut. Since almost eighty percent of your immune system is based on your gut, it is essential to keep your gut healthy. Probiotics improve the digestive health and the immune system of your body.
Your gut comprises millions of bacteria, and probiotics are responsible for finding the balance between good and bad bacteria. Certain strains of probiotics can also help mitigate the effect of allergies and inflammations. Fermented foods such as yogurt, idli, paneer, etc., are excellent probiotic sources and must be part of your daily routine.

2. Sunlight is important:
Natural sunlight is the best antidote to everything. Fifteen minutes of direct sunlight changes your mood instantly and makes you feel healthier and more refreshed. It helps maintain the biorhythm of your body. Vitamin D, commonly known as nature’s flu shot, is found abundantly in sunlight and is crucial for the immune system. Not only you but your rooms should also be subjected to sunlight.
Sunlight acts as a natural purifier and kills germs and bacteria. Keeping your windows and doors closed makes you breathe stale and humid air. Fresh air and abundant oxygen supply are imperative for the good health of everyone inside the house. Research also suggests that one can sleep better if exposed to the sun for at least ten minutes daily.

3. Eat as many vegetables as you can:
Green vegetables are rich sources of Vitamin B, which is important for cell regeneration and DNA synthesis. They contain low calories and a high fibre content that is considered extremely healthy for your overall gut and bowel health. Vegetables are full of minerals vital for your body to work properly for a long time. You may try out a few interesting recipes for vegetable soups and salads to add flavour to your diet.

4. Regular exercise is the key to fitness:
The benefit of exercising regularly is a piece of common knowledge for everyone. If you do not wish to spend hours at the gym working out, you can opt for moderate exercise.
Walking, cycling, climbing stairs, etc., are some simpler ways to incorporate physical activity into your daily life. Ideally, achieving ten thousand steps is considered best for your body. But you can start with two thousand steps and gradually work your way up to ten thousand.

5. Steam:
Since most of the diseases during this season are either colds or flu, steaming is an excellent way to clear your respiratory passages of bacteria or viruses. Climate change also tends to dry out the mucous membranes that can affect the air and blood flow. Steaming can help loosen the mucus lining inside your lungs and nose.

These are some ways to ensure the health of yourself and your loved ones. These tips are helpful for everyone, irrespective of their age or gender. Encourage the elders at your home to walk outside for their better health. Aged members of the family suffer the most during the season transition phase. Another effective way to ensure the good health of your parents is to buy health insurance. Invest in the best health insurance in India for parents and give them the confidence to stay fit without any worries about finances.

Click HERE to buy the best health insurance in India for parents.

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

Accidents are the most common cause of neck injuries. If your neck hurts after a car accident or other event, it could signify a serious problem. It's essential to observe for signs of a severe injury that will take more time to heal.

Immediately get in touch with a doctor if you experience persistent and excruciating pain at regular intervals, even after taking adequate rest and medications. You may even contact a personal injury lawyer if another party is to blame for your accident. Your medical bills and other expenses could be covered by cash compensation.

Identification of a severe neck injury.

Minor neck pain is a common health condition. It can be caused by awkward sitting positions at work, physical strain, and other factors. This ache, though, quickly fades away with time or relaxation. Pain that is strong or persistent may indicate something more serious. A serious neck injury could lead to the following:

• Pain that shoots through your arms or legs, followed by numbness

• Pain that is severe or doesn't go away

• Difficulty in breathing

Severe neck injuries mainly result from slip-and-fall incidents. Avoid severe complications and get immediate medical attention, as it could be life-threatening.

Neck injury diagnosis.

Your doctor will assess the damage and pain following an accident. It frequently consists of these exams:

● MRIs

● X-rays

● The CT scan

● A blood test

Serious neck injuries and their types.

The following injuries can result from trauma to the head, neck, or shoulders:

● Herniated discs: After an unexpected accident, spinal discs may tear, bulge, or leak.

● Pinched nerves: During an accident, bones or tissue may push up against nerves, and excruciating pain may result.

● Neck fractures: While uncommon, broken necks can occur. A neck or spine fracture requires prompt medical attention.

● Spinal cord injuries: Damage to any part of the spinal cord can result in paralysis and other serious bodily alterations, including paralysis.

A sudden backward or forward force on the head can result in whiplash during an accident. Whiplash can be more serious, but it typically gets better with time and rest. More serious neck injuries from an accident may be hidden by whiplash. You could think your pain isn't that severe. The discomfort and signs could, however, worsen over time.

Following a neck injury: What to do.

You might be entitled to compensation if someone else has caused you a neck injury. By taking the following actions, you can defend your legal rights and create an injury claim:

● Inform the police or the owner of the property about your accident

● Document the accident site and any visible injuries with photographs

● If your injuries worsen, get in touch with your doctor

● Save all your medical bills and other proof of your injuries

● Contact a personal injury attorney to ensure you know your rights

Time can make neck injuries worse. Get admitted if your neck pain worsens and you start to feel numb, weak, dizzy, or like you can't control your bowels or bladder. When it comes to your neck's health, it is better to be safe. Accidents are unpredictable, and they occasionally pose a more significant threat. In India, many people are still conservative about purchasing accident insurance, even though it is just as important as other health insurance.

Don't forget that accident insurance can protect your family financially if you get into an accident that significantly impacts your life or leaves you permanently disabled. It would help if you looked for the best personal accident policy in India to keep yourself financially covered and focus more on recovering from the injury.

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.

Motorbikes have been an essential mode of travel for decades now. They are not only cost-effective but also justify the style quotient. Most people like customising their motorbikes and replicating their creativity on their bikes. And, welding is one of the best ways to make customisation easy.

If you like customisation, welding is an activity you can enjoy. Instead of toying around with your motorbike to the garage, you can do it yourself. You'll not only save a few bucks this way, but you'll also have a chance to design your bike in the way you want.

If you are a beginner, fret not! Follow this article to learn more about welding. We have listed all the information that will help you get the best results for your motorcycle welding. Additionally, you should also keep in mind that your motorcycle is precious to you, and you should have bike insurance that secures it at all times. This way, even if something unexpected occurs, you'll have something to fall back upon.

What is motorcycle welding?

Welding typically refers to the fusion or culmination of two materials. Either plastic or metal can be used for welding purposes. Metal is used most commonly.

The popularity of motorcycle welding has reached new heights in recent years. Most customised bikes that grace the roads have some modified motorcycle frames created through welding. Nowadays, most people have also taken it up as a hobby to get their hands dirty and give their motorcycle a fresh look.

Tips for effective welding:

The various tips and tricks that you can follow for effective motorcycle welding are as follows:

1. Manage contamination:
The surface plays a crucial role in welding and should be prepared in advance. You should ensure that it is free of contamination, like dust, dirt, or rust. Contamination can hinder welding quality, and many issues can occur if the weld penetrates the base material altogether.

2. Heat management:
Heat management is crucial for effective welding. The thinner materials or panels can be greatly affected by heat. It can even distort several frames if they're too thin. All in all, the heat levels should be checked at all times. If the welds are out-of-position, you should weld in the uphill direction. Due to this, the heat will be distributed evenly without any issues.

3. Be prepared for pipes:
If you're a beginner at motorcycle welding, you'll probably not know about welding pipes. Pipes are used majorly for all the frames used in motorcycles. However, it is noteworthy that welding a pipe is tricky and cannot be treated like a normal weld. It is difficult to fully weld around the circumference of a pipe without committing a mistake. You can try welding the pipe separately a few times to tackle this problem. Another way is to find equipment that will rotate the pipe while your welding machine stays in place. Either way, you'll be able to tackle the pipe welding problem.

If you're a fan of experimentation, welding can work wonders for you. It is important to have a clear idea about motorcycle welding before diving into it. You should remember all the tips and tricks to derive the expected outcome. Stay alert and ensure your and your bike's safety during welding parts. Always wear gloves and a face shield to protect yourself from getting injured. You should also look after your bike's safety and ensure that you don't damage any part of the internal machinery while welding. Purchase bike insurance to compensate in case of damages done due to accidents.

Click HERE to buy reliable bike insurance to provide the best coverage to 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.

The youth of today believe in capturing every moment. Thanks to technology advancements, photographing a memory takes only a few clicks. With the onset of the age of social validation, clicking unique pictures is the way to stand out in a crowd. People have gone to lengths trying to capture a perfect moment. The results are sometimes outstanding and, other times, an invitation to danger. In this article, we will discuss how selfies have taken a dangerous turn in the past and how to look out for your safety while clicking pictures.

Over the years, we have seen a rapid rise in the use of mobile phones in the country. Be it for communication or the accessibility that a phone brings, people of every age group have invested in a smartphone. What comes as a shock is that India has a record number of deaths caused by selfies. News about people drawing, falling off a cliff, and car accidents became part of our daily lives.

How do we avoid these situations? Let's take a look at how.

1. Maintain a safe distance:
If you intend to take selfies on a bridge or a high-rise area, it is best to maintain a distance of a few feet to ensure your safety. The weather at such locations is highly unpredictable, making the site more challenging to manoeuvre. Avoid leaning too far, and stay away from the railings. If you want to catch the view more closely, invest in a sturdy and good-quality selfie stick that can be extended further. This way, you can rest assured that you are getting the best picture while being safe and responsible.

2. Avoid busy roads:
The roads in India are almost always crowded with people and vehicles. Everything starting from pedestrians to rickshaws and trucks, take the same road. To avoid congestion and accidents, avoid taking selfies on overcrowded roads. Not only are you putting yourself at the risk of getting hit by a vehicle, but you are also running a risk of mugging and robbing. It is best to keep your phones and cameras inside your bag for safekeeping.

3. Avoid water bodies:
The beautiful picture of water washing your feet and waves crashing from across is a sight to behold. But did you know that most selfies-related accidents occur by drowning? If you want to take images around beaches, rivers, or waterfalls, maintain a safe distance from the water. Water is powerful and is capable of dragging you with it. Being mindful of your surroundings will keep you safe and help you revel in the beauty of the space.

4. Be present at the moment:
No matter the number of selfies you take, none of them will be as meaningful as the experiences of exploring a new place. Try to interact with the locals and understand the place's culture to make lifetime memories. Explore new food options and learn how to make them, and do not forget to collect souvenirs as memories from the journey.

These were a list of simple tips that you can follow to keep yourself safe while clicking selfies. Remember that being mindful of your surroundings and taking adequate steps to ensure your safety is crucial when exploring new places. If you find yourself in situations like these, get help as soon as possible. And to cover the costs of such accidents and mishaps, invest in the best personal accident insurance India. Personal accident insurance is a smart way to safeguard yourself against accidents and the costs incurred. Stay safe and ensure the safety of people and places around you.

Click HERE to buy the best personal accident insurance India.

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

Expenses on medical treatments are usually unavoidable. All medical costs, from medications to various tests, require a considerable sum, which is an emergency crisis for most families. Healthcare costs can quickly cause worry, stress, and debt, but there are easy ways to avoid such situations. Health insurance is the best way to secure your finances. There are various types of health insurance in India for parents, partners, families, etc.

Thus, this guide will help you learn different tips to save money on medical expenses and stay in the best peace of mind.

1. Check the price of your healthcare providers and tests:
Healthcare costs differ a lot according to different providers. You can find healthcare providers' fees and extra facility charges with the cost estimator tools on your insurer's online portal. Compare the pricing and choose a more affordable option. It will make a massive difference in your pocket.

2. Know your health insurance plan:
One of the most beneficial ways to save money on medical costs is to know your health insurance plan. Carefully read your health insurance policy features and the expenses it covers. Examine whether you have a co-payment option requiring you to pay a deductible before your insurance starts to pay.
Check what and how much your health insurance in India for parents or family covers. Know the list of medications and test your insurance coverage, which can help you avoid unexpected expenses.

3. Know which medical services are free:
Per the Affordable Health Care Act, patients or people with insurance can avail of certain healthcare services for free until they are in the network. Such healthcare services are preventive services that help a person maintain their health, which may include:

● Blood pressure screening

● Vaccinations

● Diet counseling

● Depression screening

● HIV prevention medication

Some medical services are also free for children, such as eye tests, newborn blood screening, wellness visits, fluoride varnish, etc.

4. Opt for a top-up cover:
Avoid taking out an additional policy if you already have health insurance but are still looking for a higher-cost plan. You can take a top-up cover that will offer additional coverage you need with considerable savings on your insurance. However, you can do this by taking out critical illness insurance, saving money without compromising coverage.

5. Go for generic medications:
Generic medications are usually cheaper than prescription drugs. Getting generic medicines can help you save on your medical bills. But you must ensure that your health insurance plan covers your generic medication.

6. Take separate cover for your parents:
Usually, the amount of insurance in family floater cover is calculated according to the age of the oldest person. If you include your parents in the same insurance plan, it may increase the insurance premium. However, you can go for separate health insurance in India for parents, which can help you achieve savings.

7. Stay healthy:
Lastly, you can save money on medical expenses by staying fit and maintaining good health. It will help if you avoid alcoholic substances, smoking, and other dangerous things. You must invest your money in good things such as healthy food, regular exercise, staying positive, and a better sleeping schedule. You can also find a trainer who can help you exercise according to your convenience to maintain health.

Healthcare expenses can put a significant burden on your pocket. With the tips mentioned above, you can save considerable money. However, the best way to keep your money on healthcare expenses is by taking a health insurance plan with comprehensive coverage at an affordable price. Also, look for reliable health insurance in India for parents that fulfills your requirements to ensure the sound health of the entire family.

Click HERE to buy health insurance in India for parents.

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.

Many young bikers love to install pressure horns and modified silencers on their bikes to show off, seek attention, stand out in a crowd, and make their presence felt. It is their style statement and a way of saying they have arrived.

However, people around you can get distracted and panicked when you suddenly blow your high-decibel pressure horn in a crowded street. They may lose their balance and control, may swerve, and meet with an accident.

Here are the consequences of installing pressure horns and modified silencers on your bike.

1. Fines:
The Motor Vehicles Act of 1988 is an act that consolidates and amends the laws that govern motor vehicles and their running in India. According to the amendment of section 190(2) of the Motor Vehicles Act in the year 2019, causing air and noise pollution by installing pressure horns and modified silencers on your bike can attract a penalty of up to Rs.10000/- and imprisonment of up to six months. This fine will be imposed if your pressure horn or modified silencer produces more than 80 decibels of noise.

2. Functioning and mileage:
Other than attracting fines and penalties, we should also consider the consequences of installing pressure horns and modified silencers on the functioning of our bikes. Pressure horns create undue load on the battery of our bike. It can make it weak and damage it in the long run. If we have not used the bike for long and the battery is not charged, using the pressure horn in stationary mode can kill the battery. You will not be able to use the self-start option in this case and get stuck.
Installing modified silencers may sound cool, but it can worsen the mileage of your bike by around 15%-20%. Modified silencers directly impact the engine pulling capacity of your bike. You may need to go for an engine tuning too. An acceleration tuning setting of your engine due to a drop in its pulling power can lower the mileage of your bike.
Modifying silencers will also involve changing the original angle of the exhaust opening. This may increase the total length of your exhaust pipe and the number of bends in it. Both cases lead to a lowering of the velocity of gases movement in the exhaust, resulting in a higher generation of emissions. Higher emission means higher fuel consumption.
Hence, be ready to shell out more on your fuel cost with modified silencers. Also, it can damage your bike engine too in the long run.

3. Drain on your wallet:
No modification to your bike comes for free. The same applies to installing pressure horns and modified silencers on your bike. A pressure horn can cost double the regular horn in a bike or even more. Garages charge hefty amounts starting from INR 2500 and above for silencer modification of your bike.

Installing pressure horns and modified silencers on bikes is usually a style statement for the young generation. Bike enthusiasts love to fiddle with their bikes and make them look fancy. Customising the bike can make you stand out in the crowd. However, such modifications pose a negative impact on the environment and people. We should understand that high noise emission often leads to nuisance creation on the roads and disturbs people around us.

As a responsible driver and law-abiding rider, always follow the traffic rules and avoid the above modifications, which may land you in trouble. Also, be sensible to have two wheeler insurance online India to avoid any financial hassles against mishaps and accidents. Premium amounts can be easily compared between various policies and involve no paperwork. Also, it secures and covers you like any other offline policy without compromising quality.

Click HERE to buy your two wheeler insurance online India.

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

In India, the majority of motorcycles lack a slipper clutch. While learning motorcycle, many people find it challenging to downshift correctly. The engine comes under stress because they typically downshift while holding the clutch, which results in the higher gear accelerating harder than the lower gear at the same speed. To match that speed on the lower gear for a seamless transfer, one should preferably rev a bit higher before downshifting. Otherwise, you would be "engine-braking," which is not an intelligent way to slow down.

The correct way of downshifting is to blip the throttle between shifts to match the revs to the speed. This is also known as revving. In this post, we are talking all about it. So, without further due, let's get into it.

How to rev-match correctly?
● As you press the brakes, hold the clutch and downshift as you start to slow down (do not release the clutch yet).

● Now, "blip" the throttle while maintaining clutch pressure to increase engine RPM gently.

● As soon as the engine starts to rev, let go of the clutch instantly.

● Don’t forget to keep carefully applying the brakes. When you downshift, the aim is to match the revs needed for the bike to move at that precise pace.

● If your bike jerks and slows down unexpectedly, it means that the engine's RPM wasn't high enough. Try to rev it up further the next time you try it.

● The last step would be to practice and practice. Getting it right the first time is not necessary. Don't give up. You will learn how to downshift with time.

The importance of rev-matching.
Now that you know what occurs when your motorbike is rev-matched, let's talk about its significance. Downshifting without rev-matching may cause a significant shock in the motor while travelling at high speeds, especially on large bikes with high horsepower output. The result will be a back wheel that hops, skips, and steps out of alignment. In a scenario like this, controlling the motorcycle at high speeds requires excellent control and precision. The shock won't be as extreme or dramatic on motorcycles with less power, but it still has the potential to cause an accident.
Matching your RPM reduces engine wear and tear, yet another crucial justification for rev-matching. The shock that results from improper rev matching puts more strain on the engine and gearbox, among other parts.

Does rev matching consume more fuel?
The forceful use of the accelerator does cause it to use somewhat more fuel, but only little than usual.
If done properly, rev-matching can assist you in downshifting efficiently and reduce stress on your engine and clutch. It's a tactic that bikers employ frequently. It's crucial to keep in mind that you don't have to match your revs perfectly at first when you're practicing. To master, like with any other ability, rev-matching needs considerable practice. You will eventually be able to tell when your engine and road speed are in sync.

Take your first step towards rev-matching today, and don't forget to be safe. Riding on roads is always an invitation to mishaps that may be a potential threat to you and your bike. Always stay alert while riding, wear a protective gear helmet, and avoid overspeeding. Do not forget to invest in the best bike insurance for an additional safety net over your bike. Buy bike insurance online today and gift yourself with benefits that will eliminate the financial stress off you during panic situations.

Click HERE to buy bike insurance online and get rewarded with effective benefits.

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

If you are a biker, you know the importance of maintaining your bike in top-quality condition. Some people learn ways to keep their bikes on their own, while others depend heavily on mechanics and service stations to maintain their vehicles properly. In this article, we will understand the functions of one of the most vital components of a bike, the spark plug, and how to maintain and change it.

What is a spark plug?
A device that delivers electric current to the combustion system via the ignition point is known as a spark plug. A spark plug ignites and fuels the vehicle using an electric spark while maintaining the engine pressure.

What key dimensions do you need to look for in a spark plug?

1. Diameter:
The right diameter is imperative for the proper functioning of the spark plug. The wrong diameter can affect the internal components and damage the bike.

2. Reach:
The spark plug's optimal range or reach determines its ignition capacity. If the length of the spark plug is too short, it will fail the ignition. And if it is too long, it might ignite pre-emptively or get jammed and hit the valve inside.

3. Range:
The range of the spark plug is calculated by the distance from the insulator's tip to the ceiling ring. A longer distance will heat the plug and cause pre-ignition, while a shorter range results in a colder plug resulting in easy wear and tear.

4. Gap:
The distance between the centre and the grounded electrode is known as the spark plug gap. The bigger the size of the gap, the bigger the spark produced.

What are the indicators of a damaged spark plug?

1. When you stop the bike, and the engine starts sputtering or idling, it indicates a failed spark plug.

2. If you have trouble starting your bike engine, it could indicate trouble with ignition and the spark plug.

3. If you notice corrosion in various parts around the spark plug, then it is high time to change your spark plug.

4. You might have a faulty spark plug if you notice a poor fuel economy.

Various other factors are indicators of a faulty spark plug. If you notice any problem while riding your bike, it is best to take your vehicle to a mechanic and inspect it as soon as possible.

How to change a spark plug at home?

Although it is advisable to make any changes to your bike under the supervision of a trained mechanic, if you want to change your spark plug, the following list will help you with that.

1. The first thing that you need to do when changing a spark plug is to pull the cap and remove the wire. Remember to do it gently, as a sudden tug or pull can damage the connection and prevent the ignition from happening.

2. Attach the ratchet to the plug and make sure that the plug is fitting properly inside the socket. Using the ratchet, turn the spark plug till it is loose, and then carefully remove it.

3. Inspect the plug for oil and soot deposits or other damage. If the spark plug is greasy and dirty, it is high time to change it with a new one.

4. Before fixing a new spark plug, it is better to check for the range, diameter, and space of the spark plug. The exact spacing of the spark plug will be mentioned in the user manual.

5. Clean the new spark plug and place it neatly to ensure it fits properly.

6. Tighten the spark plug and put the cap back on.

These were the steps you need to follow when you want to change the spark plug of your bike. Remember that if you notice any abnormality with your bike and experience trouble while driving, it is best to get it checked by a mechanic. Invest in bike insurance to safeguard yourself against the cost of repair and maintenance. Bike insurance adds value to your bike and helps you gain a better riding experience with more focus on security and less financial stress.

Click HERE to buy bike insurance.

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

Maintenance workers are a highly underrated and neglected section of any organisation until a problem arises. Their day-to-day work requires many risky tasks as they have to come close to machinery or processes and repair them.

Such activities may include the disassembly and reassembly of complicated machinery. The chances of accidents are always high for them as maintenance activities are usually unplanned and involve the possibility of human error.

Let us learn about the best tips for ensuring the safety of maintenance workers.

1. Plan and stick to a schedule:
Maintenance activities should always be planned in advance so that workers get time to do a risk assessment and be mentally prepared for it. A regular safety check schedule should be put in place so that the maintenance workers know in advance the potential hazards of the task.
The tools and personal protective equipment (PPE) should be checked for safety on a routine basis. Proper planning and making a schedule for safety checks will also help the maintenance workers to sharpen their work skills according to the specific needs of the task.

2. Authorisation:
The proper authorisation should be in place for the operation of critical machinery. Only a few should have authorised access to critical work areas or permission to go near critical and complicated machinery. Power should be turned off when the machines are not working. The proper authorisation will ensure that no one turns on machinery or part of it while the maintenance workers are working on it.

3. Appropriate equipment:
The management should ensure that the maintenance workers have the appropriate equipment to perform their tasks. The workers should also consistently check on their equipment, whether a small drill machine or a welding machine. It should not happen that equipment fails to operate while performing a maintenance process and puts the worker and his team in danger.
The management must also ensure that they constantly upgrade and modernise the equipment to match the need of the hour and are not obsolete.

4. Working as a team:
Maintenance works are usually sudden and critical in nature. They come up when something important, such as the main production process, has stopped. The maintenance workers should work as a team because a lack of coordination in maintenance activity may lead to accidents and injuries.
The team should follow all the required safety processes and protocols. Also, they should do a thorough after-use check of all the critical equipment and tools they use. This will ensure the tools are fit for the next maintenance assignment.

5. Final checks and inspection:
The maintenance workers should thoroughly inspect the repair work they have performed. They should do a trial run of the machine only after they are fully satisfied with their work and are sure that everything is back in order. This will ensure their safety as otherwise, they may meet with an accident in case of incomplete repair work.

Maintenance workers are an essential part of an organisation's workforce. They put their lives at risk to fix the errors and bring back life to the stopped processes. While ensuring the safety of the maintenance workers, any company must also go for public liability insurance. It will protect the company if any third-party liability arises from accidents, injuries, or property damage.

Public liability insurance prices vary with a business's individual needs and the scale of its operations. One should compare the prices of policies available with different service providers and then make the purchase decision accordingly.

Click HERE to learn more about public liability insurance prices 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.

Purchasing a vehicle is a big decision. It takes lots of planning, comparison of available options, and budgeting to arrive at the final pick. This applies to both cars and two-wheelers. Despite being significantly smaller and cheaper than their 4-wheeled counterparts, the extensive options in the market make it a tough choice for two-wheeler buyers. The ultimate decision depends on the budget and purpose of purchasing two-wheelers.

While it is mandated to buy two wheeler insurance India before hitting the road, once the paperwork is ready, all that’s left is for you to enjoy comfortable rides!

But there is one more piece of information you need to be aware of, i.e., Motorcycle Break-In. Does break-in sound unfamiliar, or are you wondering about its need? We’ve got all your questions covered below!

What is the breaking-in period?

The breaking-in period lasts for the initial 800 to 1600 kilometres for which the two-wheeler is driven. In simple words, it is the period it takes to get the new motorcycle running at its smoothest and allow the rider to get used to the vehicle.

Why is it necessary to break-in?

Breaking-in may seem like an unnecessary classification of a period that you can do away without any consideration. However, how the bike is operated initially impacts its running in the long run.

When a motorcycle is produced and advertised for sale, it goes through strict inspections and quality checks that guarantee the end user of its useability and safety. The main component of the bike, the engine, is fitted with several small parts that glide together smoothly to result in a perfect performance. This is facilitated by the ideal compression ratio, which is only possible if the engine fuel does not spread over the engine walls. Breaking-in correctly ensures that the piston, valve, cylinder walls, and piston rings generate friction such that a tight seal prevents the leak of fuel.

The benefits of proper breaking-in can be summarised as follows:

1. Lower carbon emissions

2. Optimised fuel usage

3. Longevity of engine life
 

The don’ts of two-wheeler break-in.

1. Don’t ignore the manufacturer’s instructions and take the word of other self-proclaimed experts.

2. Steer clear from rash driving under the false pretext that it would benefit your engine. It will only accelerate wear and tear and make the bike risky.

3. It is legally enforced to buy two wheeler insurance India immediately upon purchasing the vehicle before it is used. Ensure that you do not start the process without insurance.

The right way to ride your two-wheeler in the break-in period.

The proper technique of breaking-in subjects the engine to different stress levels such that the components adapt to each other and develop friction between themselves to create the perfect seal that prevents fuel spills. If the manufacturer has provided instructions, follow them to derive ideal results. In the absence of such instructions, follow the below-stated steps:
● Identify a comfortable stretch that allows shifting speeds and gears. Empty roads or highways are ideal

● Stick to the max speed of 50 Km/h and strictly ride without a pillion

● Use at most 3/4 throttle

● Alter gears with increasing speeds and do so gradually

● Ensure gradual breaks or acceleration instead of jolts

● Constantly monitor your bike’s engine speed and pay attention to your gear engagement to prevent motor lugging

● Allow your bike’s engine to cool down every 30 minutes while breaking-in to allow it to retain its shape

You can ensure a perfect break-in by keeping the above points in mind and following the instructions in your two-wheeler manual. Before you start the process, ensure that you buy two wheeler insurance India to protect your bike against any damages.

Click HERE to buy the best two wheeler insurance India.

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

The human body is the basis of all sustenance. All your organs are arranged in a highly complex manner and have been connected to derive energy from each other’s functionalities.

Every day, thousands of scientists across the globe conduct further research, trying to discover new things about the body which help us thrive even in the worst of circumstances.

You might have read about human anatomy in your school and college, but we bet there are many weird things about the human body that you might not know. Intrigued? Here are some strange facts about your body that you should know. Let’s get started.

1. Did you know that babies have 300 bones during birth instead of the usual 206 bones that develop over time as you grow older? A baby’s bones are delicate, and their bodies have bones half-made of cartilage.

2. The longest bone of your body, called Femur, is located in your upper leg and can manage almost thirty times your body weight.

3. The saliva your body makes every day, if collected for an average lifetime, can fill up to twenty thousand litres, roughly accounting for two giant swimming pools.

4. Almost twelve percent of people dream of monochrome (black and white). This had significantly reduced from fifteen percent before colour televisions and media took over. It is quite intriguing to observe how colour media has influenced the dream patterns of human beings apart from other impacts they have caused on our lifestyles.

5. You are more prone to heart attacks on Mondays due to the sudden stress you face as you get back to work. Your body gets a little relaxed over the weekend, and the pile of work at the beginning of the week creates sudden tension in your body. Plus, having excessive alcohol in your weekend plans makes your body vulnerable to heart attacks.

6. You are usually taller when you wake up in the mornings! This happens due to the compression of bones’ cartilages during the day. So, the body relaxes at night, and you are a little taller in the morning. An ode to gravitational force, it seems!

7. Ever wondered why permanent tattoos are so hard to remove? That’s because they are ingrained in your nerves and not on the top layer of your skin. Permanent tattoos take their space in your immune system, so lasers must be involved for their removal. Using lasers kills the cells, and the remaining ink released is processed by macrophages, which also helps heal the laser injuries. The tattoo takes a few sessions to start with the fading process.

8. See your hand. You see that little finger, or as you call it, your “pinkie” finger? Research has found that the maximum strength of your writing lies in your little finger, and you would lose fifty percent of the power if you lost that pinkie. Who would have thought?

We hope these facts amazed you and catered to your curiosity about your body. And while we are on the subject of strange facts, we must not forget that health is wealth, and if health is lost, nothing stays the same. You must take good care of your physical and mental health by eating right, staying safe, exercising, etc.

Also, you must stay prepared for unforeseeable circumstances you might find yourself or your loved ones. There can be no better investment than investing in your health. If you are in the best of your health, you can achieve all your aspirations and get the maximum returns. Health insurance is the right way to approach such situations. Explore your options and purchase the best health insurance policy in India which best suits your needs and provides comprehensive coverage.

Click HERE to know more about the benefits of the best health insurance policy in India.

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

Monsoon is here, and it is the much-needed respite from the scorching heat of the summer months. A hot cup of tea and a bowl full of crispy fried fritters are a great accompaniment to the pouring rain. But as refreshing as the monsoon rains are, the hindrance it causes to people's daily lives is inevitable and frustrating.

Rain brings many issues: power outages, poor internet speeds, flooded roads, and delayed meetings. We will look at the few ways you can tackle flooded roads and how to drive through the heavy downpour safely.

1. Do not stop:
If you are in a flooded area, waiting for the rain to pass might not help. Chances are, the rains will get heavier, and the roads will be filled with more water. Under these circumstances, it is best to keep moving steadily. Do not accelerate quickly or halt suddenly. Water entering the crevices inside the car's chassis can affect the car's functionality. If water gets to the engine through the exhaust, you might have to change the engine altogether, which can be quite expensive.

2. Brakes and pumping:
Once you are out of the water-logged area, it is best to pump the brakes to eliminate any residual water that might have collected. Water or humidity in the brakes can affect the efficiency of braking.

3. Maintain a safe distance:
Being neck to neck with vehicles can be extremely dangerous when navigating through flooded roads. The vehicle moving ahead causes ripples that raise the water levels around your car. This can lead to the water entering the exhaust or the air intake.
Also, navigating through water-logged roads is very difficult, and one might not be aware of any potholes or bumps on the road. Sudden bumps can push the vehicle back, damaging the front of your vehicle.

4. Figure out alternate routes:
Although it is best to stick to familiar roads, in case of floods and rains, you might consider taking an alternative route. Not all routes are flooded equally, as some roads might have better slopes and drainage systems. Even if it's a longer route, it will be better for you and your car.

5. Do not panic:
Being stuck inside a car and unable to move can be daunting and create panic. Focus on getting to a safe place. You might not be able to open the door because of the force created by the water around your car. Under such circumstances, use any tool to pry open the windows.
Look for any tools that are easily available under your seat or inside the dicky. Tools such as jacks, wheel wrenches, and spanners are readily available inside your car. Do not try to break the windshield as they are harder to break than windows.

These are a few things that you need to keep in mind while driving through flooded roads. Once you are out of the situation, it is best to take your car to a service centre and get it checked for any damage. Repairing these can be expensive, but you don't have to worry about the expenses if you are insured by the best car insurance in India. Possibly opt for travelling by public transport during monsoon. It may sound daunting, but it is a wise option to commute rather than getting stuck in the middle of the road due to the breakdown of your vehicle.

Click HERE to know more about the best car insurance in India.

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

Owning a business is a challenge, but with the right mindset and efforts, you can make the most out of it. Whether a small store in a quaint locality or a well-known brand with multiple branches, it takes time, capital, and decision-making to scale a business and generate profits. Irrespective of the nature and size of the business, an essential feature is customer service for its growth.

Whether a service provider or goods dealer, most of the business' work relates to relations with outsiders. Whether directly or indirectly, most businesses benefit from strong connections with suppliers, dealers, and customers. Since these stakeholders frequently visit your business premises, it is necessary to make your store safe.

Purchasing public liability insurance in India is a practical investment to prevent your business from shouldering the burden of injuries and damages to third persons on your business premises. Coupled with our tips to make your shop safe, you can guarantee the safety of customers visiting your office or store.

1. Security supervision systems:
Installing an effective and advanced security system is key to securing a store. This includes CCTV cameras outside to capture the exterior for any suspicious movement and abnormalities. Inside the store, these cameras should be placed at junctions to give a complete view of the shop. This prevents burglary attempts and also helps identify mishaps at the earliest.

2. Automated door and window sensors:
Automatic sensors on or near entry points like doors and windows are necessary to prevent unnoticed entry into the store. Additionally, they also help limit access to risky areas within the store. For example, specific storage space or cold room should be out of bounds for non-employees. The easiest way to ensure this policy is by setting up systems that instantly alert the proprietor.

3. Practical stocking of goods:
If you run a store dealing in goods, displays are essential to your store layout. If stocked improperly, customers risk getting injured due to falling goods. You must settle these cases at the earliest. Ensure your employees are well-trained to prevent such situations.

4. Hazardous goods in the store:
Depending on the nature of the business, you may have to store some hazardous substances like chemicals, manufacturing, or electrical parts intended for sale but of risky nature. It is essential to place them at a height that is not accessible to children. For added security, take cautionary notice around such goods to alert customers of potential risks.

5. Maintaining hygiene:
Keep your stores safe for customers. This includes regular cleaning to prevent slipping, sanitisation to avoid infectious diseases, and to provide a safe experience for them. Wherever required, ensure that anti-slip mats are placed and that any wet aisles have precautionary notice boards nearby.

6. Parking and storefront safety:
Parking areas and storefront space are also included within the limits of your place of business. While the above mentioned methods can keep customers safe inside the store, these external areas should also be accounted for. Ensure that the parking space is well-lit with clear directions. Wherever possible, use tactile pavements instead of smooth pavements or slopes to prevent customers from slipping in unfavourable weather conditions.

While there are some tips you can follow as extra precautionary methods to make your store safe for customers, the first thing you must consider is purchasing public liability insurance in India. It covers damages and injuries caused to a third-party or third-party property on the insured's business premises. It eliminates the liability on a business to compensate for accidental mishaps, which may take up huge bills. Public liability insurance in India is a valuable option that limits a business' liability to outsiders when damages happen by accident.

Practice these tips and make your shops a convenient and safe place for customers to enjoy shopping while being at peace. The better you serve your customers, the best outcomes you will get from your business.

Click HERE to buy public liability insurance in India.

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

Monsoon is here, giving us the perfect opportunity to take ourselves out on a drive and snack at roadside eateries. But it also brings the many challenges of navigating through heavy rain, congested roads, and low visibility. Adding to that are the fogged windscreens making driving more challenging on the roads.

When a relatively warmer surface comes in contact with a cold surface, it gives rise to fog or mist. The cold surface of the windscreen forms tiny condensation particles and fogs up the surface obstructing the vision for both the driver and the co-passenger.

A foggy window should not be the reason to dampen your monsoon spirits, which is why, in this article, we will take a look at all tips and tricks that you can follow to ensure a fog-free windscreen for a better driving experience.

1. Invest in a good quality defogger:
As the name suggests, it is used to defog the car windscreen. A defogger uses the air conditioning to draw air from outside the vehicle and passes through a heater to produce hot air. This air can be directed to the area that requires demisting or defogging. Many cars facilitate the defogging targetted towards the front and back windshield.

2. Turn on the air conditioner:
The basic principle behind using an air conditioner is its function as a dehumidifier. An air conditioner helps with removing the moisture inside the car. Manage the temperature on the air conditioner in such a way that the temperature inside the car and outside the car is similar. The AC can then draw air from outside. After this, you can turn on the heater to effectively clear the fog.

3. Crack open the window:
Most modern cars are equipped with a defogger and an AC. If you drive an old car, or your AC and defogger are not working correctly, you might have to consider an alternative.
In these circumstances, your next best alternative is to crack open the window slightly to facilitate the free flow of air. Another way to ensure no fog on the windscreen is by switching on the wipers while keeping the windows open since the fogging happens mainly on the outer surface of the windshield.

4. Use silica balls:
The fogging inside your car happens because of water droplets and condensation from the humid air. Without humidity, there are almost no chances of fogging. Keeping silica balls handy and placing them on the dashboard is a cost-effective alternative to ensure no humidity. Silica balls absorb water from their surroundings, maintaining the interiors fresh and moisture-free.

These were a list of simple yet efficient tips to follow if you face foggy windows during the monsoon drives. Foggy windows can be dangerous and cause severe accidents due to lack of visibility. These simple tips are essential to have a safe driving experience. Another way to ensure their safety is by investing in online motor insurance. Online motor insurance acts as a safety net against expenses you might incur in post care for your vehicle. Enjoy the perks of buying online by getting better premiums, faster claims, and less processing time.

Click HERE to buy online motor 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.

As winter marks its arrival in India, planning trips with your friends becomes exceedingly essential. India is a country with diverse landscapes, sceneries, and cultures. This makes it exciting for bike trips, and there can be no better season than winter to explore. Bike trips give travellers a chance to discover the unknown.

The lush green surroundings, mountain passes, or scenic landscapes are perfect for exploring via bike. These trips become fun and safe if you've good company and reliable bike insurance.

Can you imagine where to set off this winter? Here's a list of the best biking destinations in India during winter to get you started.

1. Guwahati to Tawang:
Renowned as one of the most beautiful biking tours in the northeast, the Guwahati to Tawang route is a thrill in itself. The route is stretched over 500 km and becomes all the more scenic during winter for biking. Tawang is famous for its Buddhist monasteries and distinctive culture. On the other hand, Guwahati is beautifully cuddled between the Shillong Plateau and the Brahmaputra River.
The surroundings are breathtaking, with mesmerising valley views. The lush green landscapes of Tawang form a beautiful yet intricate contrast with snow-covered mountains encompassing the biking route.

2. Mumbai to Goa:
Goa always tops the winter bucket list of travellers and adventure junkies to explore its vibrancy, especially during the famous Goa Carnival and Christmas. And there can be no better way to travel to Goa than a bike trip with friends. The route through the Western Ghats and the scenic roads of the Malvan region is a delight to experience.
The gentle wind softly kissing the cheeks and mesmerising views taking your breath away are some common experiences you will enjoy on your trip to Goa. The distance from Mumbai to Goa is nearly 590 km, and it may take around 12-14 hours to reach there. If you love nature and beaches, this biking trip in winter will touch your heart and soul.

3. Bengaluru to Kolli hills:
The panoramic hill station will take your breath away while moving from the Western to Eastern ghats. The road from Bengaluru to KolliMalai is both adventurous and heartwarming, with around 70 continuous hairpin bends and the serene sight of the Agaya Gangai waterfalls and historic temples on the way. The distance from Kolli hills to Bengaluru is roughly 287 km, and the journey is worth experiencing.

4. Jaipur to Jaisalmer:
A bike trip to Rajasthan during winter can be a good exploration. The weather is favourable for the bikers to drive continuously for hours without any fatigue. One such route to explore in Rajasthan is from Jaipur to Jaisalmer. From the heart of the Pink City to the charm of the Golden City, this bike ride offers various offbeat experiences that are one-of-a-kind.
The distance is roughly 558 km, and the time taken is around 11 hours. From surpassing beautiful local villages, expansive desert views, and long roads to discovering the colourful Rajasthani culture along the way, this bike journey should be on your wishlist for winter travel.

There are myriad options to consider if you want to take a biking trip during winter in India. These trips become all the more fun when you are in the company of your friends. With India's diverse landscapes, you will surely have the best time of your life.

You must take the journey only if you are an expert driver, as these roads can be tricky. Additionally, you should also have bike insurance so that you have it all covered even if things go wrong. Ensure that your bike is serviced thoroughly before setting off on your trip. The bike’s performance gets impacted, and the mechanical parts jam in extreme winter conditions. Regularly check your bike’s condition during your trip to ensure its smooth working. Also, invest in good quality safety gear and helmet to stay safe while touring rugged terrains. Lastly, enjoy every bit of the journey and conquer new milestones.

Click HERE to buy bike insurance before planning your next winter trip.

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.

How often are we stuck behind people scared to use the escalators, or are we the ones scared of escalators? Getting on the escalator can be daunting the first few times, but once you get the hang of it, it is easy and a more convenient way to traverse different floors. If you are worried about escalator safety, this article is just for you.

We will talk about everything you need to take care of around an escalator to make it easier and safer for you. Before understanding the safety measures, let’s examine some key points concerning an escalator.

How does an escalator work?
A set of interlocking steps looped around a pair of gears is made to rotate so that each step oscillates between different building levels.

What are the different parts of an escalator?
Inlet guards: A protective guard made of rubber that fits on the handrail to avoid fingers or other parts from getting caught in the handrail opening.
Operating panel: Switches that operate the functionalities of an escalator located near the boarding and landing parts of the escalator.
Sprocket: The wheels installed at the lower and upper parts attached to the steps are known as sprockets.
Truss: The support system of the entire escalator is known as a truss.
Balustrade: The part of the escalator that goes beyond the steps, including the guards, panels, handrails, and the deck board, is known as the balustrade.

What are the common escalator hazards?

1. Contacting the moving parts:
It is imperative to ensure that all the mechanical parts are adequately covered and are inaccessible to people. Little children tend to touch or hold the moving parts, crush their fingers, or scrape the surface altogether. Remember to hold on to the railings lined with the rubber casing and leave the railing as soon as you reach the standing deck on the escalator.
Don’t use phones or being distracted while on the escalator to avoid accidents. If you are with kids, be mindful and tell them beforehand about the dangers of touching the different moving parts of the escalator. Before getting on to the escalator, check that your shoe strings are tied properly to avoid getting caught between the steps.

2. Collision:
Leave a gap of at least one step between yourself and others on the escalator. Sometimes, people can take longer to get on or off the escalator, raising the chances of a collision. Never place your shopping bags on the stairs ahead or behind you.
This can create confusion and lead to a crash. If you have a lot of bags, it is best to keep them on the same level as yours so you can easily remove the bags off the escalator before getting down.

3. Step carefully:
Before stepping onto the escalator, ensure it is moving in the same direction you want. Step carefully onto the moving band. One key rule to remember is to avoid standing in lines on the escalator. These lines separate into different steps as you move forward and might lead you to topple over to the back.

These are a few things that you need to keep in mind before boarding an escalator. If you are with kids or older adults, hold their hands so that they can keep their balance. If you see elderly people trying to get onto the escalator, offer a helping hand. Escalator accidents are familiar sights in crowded areas but being mindful of your surroundings will keep you safe.

All that said, these situations can be completely unpredictable, and it is best to safeguard yourself in these circumstances with the best personal accident insurance policy in India. Personal accident insurance is the safety net you deserve to help yourself and your loved ones cover the costs of any accidents.

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

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

Health insurance in India covers the costs of hospitalisation, medicines, and doctor consultation fees that can arise from any illness, disease, or accident. It has become more of a necessity because of our eating habits, the lifestyle we lead, and the risks of accidents. Such insurance removes the sudden financial burden you may face due to an accident or the need for expensive surgery.

However, not all is good, even if we have insurance coverage. Here's what you should know about insurance while scheduling surgery.

1. Coverage and limit:
The cost of surgery depends on its type and complexity. While a knee-replacement surgery will cost us around 1.5-2 lakh rupees in India, a more complex surgery such as a bypass surgery can cost upwards of 5 lakh rupees. You should first consider the total insurance coverage you have, keeping in mind the type of surgery you plan to undergo.
Your insurance policy will only cover the policy amount insured. You will have to bear any additional cost incurred in the surgery over the limit prescribed by your policy. Hence, you should be financially ready and arrange the funds accordingly.

2. Waiting period:
Any insurer does not provide cover from the first day your policy starts. The insurance company prescribes a waiting period, after which they will start providing you with the coverage benefits. This waiting period is not specified by any government agency. It depends on the individual company and the illness.
For example, the waiting period for any surgery arising can range from 1-2 years. The waiting period can be as high as four years if you declare a serious pre-existing disease when purchasing the policy. The insurance company will not reimburse you for any surgery scheduled during the waiting period.

3. Surgery insurance plan:
Insurance companies nowadays provide specific "surgery insurance plans," too. You can buy such a plan in case you intend to schedule surgery in the near future. However, you should first check the list of surgeries that your policy will cover.
Next, make sure your sum insured is adequate to cover all the costs related to the surgery. This includes the cost of surgery, hospitalisation, medicines, doctor fees, etc. You should also confirm the waiting period and the exclusions under your policy and assure yourself that your surgery will be covered under it.

4. Cashless claim:
A cashless hospitalisation facility settles your hospital bill without having to pay any cash at the time of discharge. Insurance companies tie up with hospitals and directly settle your bill with the concerned hospital.
Whenever you plan to schedule surgery, make sure the hospital you choose is one of the network hospitals of the insurance company. You can enjoy a cashless treatment facility there. You will not have to worry about paying the hefty bills and getting them reimbursed by your insurance service provider later.

Health insurance in India is extremely helpful when planning a necessary and expensive surgery. It removes the stress of arranging immediate finance for the surgery when you are already reeling under the stress of getting it done.

You should always go for the best health insurance in India available in the market. Its terms and conditions regarding the coverage and payout must be clear. The insurance policy should act like your saviour in difficult times. It should not be an additional burden on you when filing the claim during surgery is delayed or difficult. Also, it should be economical to fade away your financial stress.

Click HERE to buy the best health insurance in India policy to keep you and your family safe from health adversities.

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.