GENERAL INSURANCE BLOG

Reverse driving and parallel parking are two things that most people are scared of. Parallel parking takes some practice and extreme caution. The same goes for driving in reverse. Expertise in these driving techniques helps in becoming a skilled driver.

If driving in reverse scares you, here's what you need to know. This blog answers all your questions and more information on driving in reverse gear to understand how you can gain confidence over your anxious mindset about these driving techniques. So, without any further delay, let's get started.

1. It is not a big deal:
Many expert drivers get confused and anxious while driving in reverse. Due to nervous feelings, they might even mess things up and land in collisions. Therefore, it is vital to make yourself comfortable and relaxed in your position to get an accurate view of the traffic and the path you need to reverse.
You can place your foot on the brake and for your confidence, turn around to ensure you get a clear view of the pathway. Ensure that you keep your seatbelt intact and ask the passengers to fasten their seatbelts properly.

2. It is time for the reverse gear:
After positioning your seat, fastening your seatbelt, and adjusting your mirrors to get a clear rear and front view, you need to shift your gear to the state in which it indicates R, i.e., reverse gear.
After performing this entire process, you can slowly put your foot on the accelerator pedal and put slight pressure, just enough for your car to move, avoiding the risk of any collisions. Slowly release the clutch after putting your foot on the pedal. Drive the vehicle in reverse at a carefully vigilant speed, and park your car right where you want it to be.

3. Mirrors at the right angle:
You must always ensure that you keep looking in the passenger side mirror to be aware of any other vehicles or objects in the surrounding area, especially when driving in reverse gear. This will avoid any risk of collisions or accidents with things that might come your way. Mirrors even help you get a better view and understanding of available space to park your car correctly.

Some other tips to take care of while you are driving in reverse include placing your right hand on the steering's upper portion to gain optimum grip, going reverse in a straight line, stopping the car at the desired position slowly to avoid any jerking, doing a complete 360-degree check before you begin to reverse in a particular location, etc. Make optimum use of a rear parking camera that will assist you in observing the obstacles and parking your car precisely.

We hope this blog will help you drive in reverse more comfortably than before and help you alleviate your stress. Always wear your seatbelt while driving to ensure safety. And while we are talking about safety, understand the importance of purchasing car insurance to safeguard your car from financial distress due to damages. Therefore, to stay on top of your insurance coverage and continue to enjoy the privileges, you need to make sure that you take care of your car insurance renewal.

Click HERE to learn more about car insurance renewal and the tips you need to know when you pay your premiums.

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 bike drive chain consists of interconnected oval loops made of metal, forming a roller chain. The teeth of a sprocket gear mesh with the holes in the links of the chain. The mechanical force from the engine puts the bike chain in motion, which causes the bike's wheels to rotate. Hence, a bike's drive chain is an important part and must be handled properly.

A drive chain is usually the dirtiest part of our bike. It is oiled and greased, catching loads of dust and mud from the roads. Here are some tips for maintaining your bike's drive chain to ensure longevity.

1. Periodic cleaning:
Regular cleaning keeps it free from dirt build-up, rust, and breakage. You should regularly check your drive chain by lifting the rear wheel of your bike off the ground and manually rotating the drive chain. You should check every chain link and use a firm brush to clean them.
If you hear squeaking sounds from the chain while riding your bike, it is time for relubrication. Also, you should check for tight links that are not bending easily. Clean them properly and lubricate them to ensure their free movement. It will also prevent rust build-up.

2. Lubricant quality:
Always use a good quality lubricant to ensure its longevity. It should be specifically made for a bike's drive chain and should not be just any lubricant.
Dirt and mud damage the drive chain. The lubricant should be such that it should minimise the accumulation of dust and grime on the drive chain. Also, it should be long-lasting as the drive chain will wear down and get damaged if the lubricant is less or missing.

3. Do not over-lubricate:
Over-lubrication is harmful to the drive chain. It will attract more dust, mud, and concrete from the roads and damage the drive chain. To ensure smooth operation, you should always wipe off excess lubricants with a rag.

4. Thorough cleaning of the drive chain:
In case you ride your bike through muddy roads frequently or use it on rough terrains such as a mountain, you should remove the chain completely when it becomes excessively dirty. You can remove it yourself or seek the help of a mechanic.
Use a good quality chain solvent available in the market and soak your chain in it for the prescribed time. Then scrub hard to remove the dirty grime from the chain links. The solvent will do its job, and your chain will become clean and grime-free. Relubricate your drive chain once completely dry, and put it back in the bike.

5. Stretched chains:
Sometimes your bike's drive chain seems to stretch and become loose. This is because of normal wear and tear of the chain with usage. A loose drive chain cannot provide a good grip for the movement of the wheels and may even slip from its cog.
Check for a loose drive chain regularly, and get it fixed as soon as you find one. Ignoring it may cause further damage to the drive chain, and you will have to replace it.

The drive chain of your bike is a very important part of its smooth running. You must take good care of the chain to keep it in its best shape. Clean it regularly and keep it sufficiently lubricated to ensure its longevity.

Buying a good bike insurance policy for your bike is another important thing that you need to do to ensure a glitch-free ride. Buy bike insurance online after comparing it with the policies of several companies. You can do this from the comfort of your home or office without physically visiting any insurance company. Go for the best bike insurance policy as per your specific needs and enjoy complete protection, security, and peace of mind.

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.

An automobile comprises interconnected mechanical elements and complicated electrical wiring technologies. While we may enjoy contemporary comforts such as stereos, interior lighting, and even hologram speedometer readings as long as the electrical systems function correctly, all systems and components come to a standstill on account of short circuits.

A short circuit is a wiring fault because of a loose or defective wire that shunts electricity between courses before it hits its target. Although the signs of a short circuit are similar to those of an open circuit, the diagnosis is somewhat different. A short circuit may happen in various ways, and it's not always straightforward to locate and fix.

However, to understand how to discover a short circuit, we must first grasp how a perfectly working circuit operates. So here are a few tips for locating a short circuit in your car.

1. Make a map of your vehicle's circuit:
Remove the wire harness from your vehicle and turn to your Early Warning Device (EWD) to start diagnosing the circuit. Identify the various cables and circuits you're inspecting so you know where to go next. Wire colours should match the colours specified in the EWD. However, this may differ based on where you obtained your EWD.

2. Examine any exposed wiring:
One may also save time and effort by inspecting any exposed wires first. You may find a damaged or chafed wire that you can immediately begin mending. However, since most automobiles' wiring is tightly wrapped, you'll almost certainly need to try a few boards to figure out where the issue is.

3. Inspect all wires for faults:
If you feel a specific wire causes the problem, you may detach its connection at either the sensing or loading ends. Check your test indicator to see if it fades out or your multimeter to check if it stops buzzing. Next, you may remove your car's panelling and inspect the wires to see if you can pinpoint the problem.

4. Testing the 5V circuit:
In case the short is a 5-volt circuit, the Engine Control Module utilises it to regulate the gearbox and engine. You may unplug the battery first, then the ECM. It'll also enable you to identify electrical oscillations and approximately pinpoint the location of the short circuit.

5. One-by-one assess all the fuses:
Check the fuses and look for any easy, quick short circuits. Take a fuse at random and attach your testing indicator to its socket terminals. If a current is detected, the test LED will light up. If the test light does not ignite, it may suggest that electricity is not flowing to that fuse. This indicates that the damaged wire is along that route.

Knowing how to detect a short circuit may save you a lot of time and money while ensuring that your car is safe and perfectly operational. While it might be time-consuming, utilising the approach mentioned above should provide you with the knowledge you need to detect and fix any short circuit in your vehicle.

However, if you still face difficulty identifying the origin of the short circuit, visit the nearest garage. It is ideal to have your vehicle backed by insurance for even minor expenses like these. Search for the best car insurance in India and get yours right away to cover your vehicle against damages caused due to unexpected short circuits.

Find the best car insurance India for your vehicle HERE .

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.

Be it the summer season, winters, or heavy monsoon, you need to take care of a few things to ensure your car's proper functioning and longevity. While external servicing and maintenance of your car are crucial, some particular factors ensure that your vehicle is up and running.

The summer season brings in good weather. But the drastic temperature rise can harm your car. In this space, we will discuss tips for caring for your vehicle during the summer season to keep it in good condition.

1. Cooling your engine:
Engines getting heated due to high temperatures are one of the significant causes of car breakdowns in summers. You can cool off the engine by using cooling systems in your car as recommended by the manufacturer.

2. Coolant refill:
To keep your cooling system in excellent working condition, make sure to refill the coolant according to the overflow status. According to most manufacturers, the cooling liquid mixture usually contains a fifty-fifty water to coolant ratio.

3. Inspect your car:
Some parts of your car are susceptible to heat damage and may deteriorate in high temperatures. Examine your vehicle, and replace any wear and tear or other damages as soon as possible. Also, keep an eye on the coolant leakages due to fuel expansion in summers.

4. Tyres:
Take a close look at your tyres. If they appear to be more inflated than required, get them checked. It's necessary to regularly monitor the air pressure levels in your tyres during the summers.
Failing to do so might risk a tyre blowout which can be a considerable safety risk, especially if you're on the road, examine your car tyres for signs of wear and tear and replace them if you find any damages.

5. Corrosion:
Once your vehicle reaches a specific limit, it is recommended to check your ignition system. The electrodes might corrode or wear out, so replacing the spark plugs is the solution to combat any ignition issues.

6. Air conditioning:
Examine the air conditioning of your car, especially in the summer season. Any defects leading to the disruption of the air conditioner can cause massive discomfort during your travels in such rising temperatures. Also, ensure that you inspect the compressor clutch while checking the air conditioning system.

7. Wipers:
The wipers of your car play an integral role while you're driving. They clear the windshield, making it easier to see while you drive. Replacing the wipers for the summer season with new ones would prepare you for the storms or rainy downpours midseason.

These were a few expert car care tips you will need to take care of your vehicle during the summer season. Apart from these tips, consider protecting your car against unprecedented circumstances. Emergencies like road accidents or damages to different parts of your vehicle can lead to heavy monetary expenses. To avoid paying a massive sum of money in such unforeseeable situations, you can explore various options and purchase car insurance online in India.

Click HERE to know more about how you can get car insurance online 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.

First-aid tips and techniques have been a part of our educational curriculum since junior school. We all have learned the first-hand treatments one must do when there is a manageable injury or burn on our or someone else’s body. However, with time and as the level of injuries and diseases evolved, our knowledge about first aid falls short in terms of adequacy in the healing process.

Moreover, burns can happen anytime, primarily if operating around heavy machinery, fire, or in the kitchen. And it requires a lot of time to heal with proper care, ointments and medications, and extra precautions.

But what are some of the best ways to take care of these burns? What items should you include in your first aid kit to help you or someone else? Are there different degrees of burns, and which type of burns can first aid easily?

In this space, we’ll clarify all your doubts regarding first aid for burns. Let’s get started.

1. Minor or major:
A burn usually indicates tissue damage when the skin comes in contact with high flames, boiling water, sunburn/radiation, chemicals with corrosive properties, etc. Before starting the burn treatment, it is advised that you determine the degree of the burn to alter your treatment accordingly and determine whether immediate medical attention is needed.
A major burn occurs when the diameter of the burnt area is more than three inches, resulting in brown, black, and white patches with a dry and leather-like texture of the skin. In case of a minor burn, blisters appear on the burnt area, usually less than three inches in diameter. You will experience pain and inflammation, which might cause redness and soreness on the burnt site.

2. What you should NOT do:
Before we tell you the first aid tips you should follow, you need to be aware of the contamination of the sensitive and burnt part of the skin. Avoid using home remedies like butter, ice, water, etc., and immediately do not take any medications or remedies without consultation.

3. Must know first aid tips:
Remove jewellery items like rings, bangles, etc., from the burnt area. Cooling off the burn is essential. You can gently use cold water on the burnt portion and wet compresses to help with the inflammation and lower the pain. If you see any blisters, do not remove or poke them, as they protect the area from infection. If you see a blister pop, gently clean it with a disinfectant solution and cover it with an antibiotic cream. To ensure that the affected area does not dry out, use skin-friendly and chemical-free moisturisers. Aloe vera is a good option in such cases. Use sterile gauze and tapes to bandage the burn, but ensure that you do not tighten the grip of the bandage. Keeping it loose will prevent excessive pressure and alleviate pain.
You can take any doctor-recommended painkillers if the pain gets unbearable and causes too much discomfort. Avoid heavy tasks involving the burnt area, and avoid using fluffy cotton as tiny threads of cotton might stick to the burn risking the chance of an infection.

We hope you found the blog helpful. You must take care of your body and be extra cautious about your health to lead an extraordinary life. But sometimes, your efforts might fall short in unfortunate circumstances. To alleviate the monetary stress of such times, you must purchase the best personal accident insurance India which will provide you and your family with a reliable layer of financial protection.

Click HERE to learn more about the benefits of buying 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.

Human resources are the greatest asset for any company. A good workforce can make or break a company. Companies often offer group personal accident insurance to protect their workforce from the loss of income from any kind of accident and related disability or death. The employees feel protected against financial uncertainties of work-related hazards with such insurance. It benefits employees working in heavy industries with dangerous machinery and surroundings.

Group personal accident insurance India is an effective way for employers to attract and retain talent. As an employee, it offers protection against the financial distress of disabilities and supplements your existing insurance covers. Let us know more about it.

1. Coverage:
Group personal accident insurance provides comprehensive coverage to an entire group against accidental disability and even death. Policies are customisable according to the number of people in the group and their specific needs. Hence, you can be reassured if your group is too large or small. Such policies provide discounts on a higher number of members in the group.
● Permanent total disability – Insurance companies will pay you the total sum insured in case of permanent total disability such as loss of leg, limb, eyesight, etc.
● Permanent partial disability –You are eligible to get up to 50% of the total sum insured in case of permanent partial disability, such as loss of one foot, loss of hearing, damage to eyesight, etc.
● Temporary total disability – You will get a certain percentage of the total sum insured in case of temporary total disability from an accident, depending upon your policy terms and conditions.
● Medical care – The policy will also cover your medical expenses, even if you are admitted for one day in a daycare treatment. Moreover, it will also cover your cost of OPD treatment, physiotherapy sessions, and ambulance transportation.
● Education – Some policies also come with an education add-on cover. The insurance company will take care of the education expenses of up to two dependent children in case of the insured person's death.

2. Need and importance:
Several industries require their employees to work on heavy machinery and risky surroundings, including the iron and steel industry, automobiles, pharmaceuticals, etc. A work-related accident can cause temporary or permanent disability, causing a financial crisis and a lot of trouble for the employees and their families.
So, if you are an industry employee, group personal accident insurance India covers you against such unfortunate accidents. It takes care of the hefty hospital bills for your treatment up to the limit of the policy amount. It also provides financial assistance to the nominee in case of the policy holder's demise.
Therefore, such a policy will give you peace of mind and protect you against the monetary distress of disability or death, allowing you to work stress-free with greater efficiency. It also helps build trust with your employer and strengthens professional ties for a long time.

3. Exclusions:
Group personal accident insurance India does not cover pre-existing diseases when purchasing the policy, self-inflicted injuries such as a suicide attempt, mental disorders, non-accidental medical treatments, hospitalisation due to substance abuse, criminal activities, or war. Ensure to read the terms and conditions of the policy to know more about the details. You may contact your employer or the insurance company if you've any queries regarding your coverage.

Group personal accident insurance India offers coverage that regular health insurance policy does not provide and also compensates the nominee with a lump sum payment in the unfortunate event of disability or death due to an accident. This can be a great financial support to your dependent family members.

Choose the best personal accident insurance India to provide complete coverage, support, and protection during the time of need.

Click HERE to buy personal accident 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.

Even if you've taken exceptional care of your skin throughout the years, it still ages. The youthful flush eventually disappears and the indications of ageing, such as brown spots, wrinkles, more frequent bruises, and dryness, start to be evident.

Your skin can convey your mood and show how healthy or unhealthy you are. As you age, taking care of your crucial outer self is important. For elders, here are some skincare suggestions.

Why does your skin alter as you age?
Skin changes brought on by ageing are typical and include a combination of the following:
● Allergies
● Weather
● Genetics
● Nutrition
● UV exposure
● Smoking is, among other things

The most harmful of these to the skin is continuous and direct exposure to the sun. According to research, among the people having skin illnesses, nearly 80% had one or more skin conditions requiring treatment or medical attention.

If you're an older adult, here are a few best skin care tips for you to enjoy a youthful and glowing skin.

1. Frequently moisturise your skin:
Emollients and fatty acids are combined in the best moisturisers to resemble the skin's natural lipids. Choosing an occlusive moisturiser can help you to build a barrier that will trap moisture in your skin and reduce water loss.
TIP: Always rub face moisturiser in upward strokes, never down. Apply a high-quality moisturiser to the skin after a bath to lock in moisture.

2. Wash gently:
With limited natural oil production, mature skin is extremely dry. Cleanse gently to prevent further drying out. It's okay to wash once per day. Use gentle cleaners as opposed to harsh soaps and alcohol-based products.
TIP: When washing, use warm water rather than hot and limit the number of baths or showers you take. If you enjoy unwinding in the tub, stay away from bath oils because they make the tub slippery and increase the chance of falling.

3. Eat right for gorgeous skin:
The saying "you are what you eat" has never been more accurate if you want skin that glows. Our skin's health is significantly influenced by our diet, which should be balanced and high in nutrients, vitamins, antioxidants, and necessary minerals. Include berries, melons, avocados, walnuts, oily seafood like salmon, and green vegetables. These items are a part of a healthy diet that can support maintaining healthy skin as you age.

4. Do maintain a simple, consistent routine:
Dermatologists advise simplifying skincare regimens. Irritation can result from excessive scrubbing, exfoliating, and product use.
TIP: As a general rule, use sunscreen, a cleanser, and a moisturiser, as these are the only three items that will make a consistent visible difference.

5. Avoid the sun:
This is the most crucial thing you can do for your skin! Dermatologists advise you to shield yourself from the sun's damaging rays.
● To protect your face and any other exposed skin, use a broad-spectrum, water-resistant sunscreen with an SPF of 30 or higher.
● When spending time outdoors, look for cover because the sun's rays are most intense between 10 a.m. and 3 p.m.

6. Drink water to rehydrate:
Never undervalue the importance of water or the benefits that staying hydrated may have on your skin and general well-being. Drinking water can give you radiant and clear skin.

Inner beauty begins with the skin. No matter how much money you spend on anti-aging therapies, poor health can manifest in your skin's appearance. Keep up a healthy lifestyle, and pursue your passions. After all, ageing is a natural process that includes wrinkles, fine lines, and age spots. Be proud to wear them!

Enjoy your retirement life with wholesome meals, daily and different exercise groups, and regular health and wellness events. Also, invest in the best health insurance in India for parents to secure your finances from uncapped medical expenses due to ageing.

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.

Monsoon brings us particular delights, after the scorching summer season, rain is the only respite we look forward to. But they are not so delightful when they leave a trail of plight.

Some of the problems revolve around viral or water-borne diseases, floods, property damage, and vehicle corrosion. So, how can you possibly save yourself from such financial setbacks, especially during monsoon? A combination of the right insurance policy can help you from getting attacked by such flailing financial setbacks. Here's a curated list of insurance policies that you can buy to stop burning a hole in your wallet.

Choosing a comprehensive health insurance policy

• Some of the common ailments of this season are malaria, dengue, viral fever, typhoid, chikungunya, diarrhoea, and hepatitis.
• However, insurance companies provide a holistic range of health insurance plans covering almost all of these diseases.
• To meet the rising number of requirements for specific medical treatment claims, insurance companies provide policies specific to diseases at a marginal cost which provides insurance against particular incidence.
• These policies can be specific or add-ons. For instance, dengue can be quite fatal during this time, and companies are offering retail plans for that particular disease.
• However, a comprehensive health insurance policy plan can be lucrative since they cover all the seasonal ailments holistically to alleviate financial distress.
• They also provide pre and post-hospitalization expenses for 60 and 90 days, respectively.

Buying a personal incident policy

Buying a separate personal accident plan for the owners of vehicles can protect you against any uneven eventuality. Potholes and foggy roads can be quite fatal for those who commute on their cars. Personal Accident Insurance will cover injury, permanent disability, and death, for which the entire assured sum is paid.

Subscribing to add-ons for enhanced vehicle protection

• Although third-party motor insurance is a compulsory buy for every vehicle owner, a comprehensive policy can also offer a variety of extra coverages. However, comprehensive motor insurance also has certain limitations; for instance, if rainwater damages your car engine, they are not likely to be covered. But there are exceptions, water if it doesn't get sucked inside would cause further damage - that is not covered in regular comprehensive policy.
• Add-ons like engine and gearbox protector, Zero Depreciation, and Emergency roadside assistance are some of the most popular insurance add-ons during the monsoon season.
• You can choose and compare to buy car insurance online, and to have the best possible fit for you, be sure to go through the exclusion and inclusion document to have an overview of policies you are about to buy.

Buying home insurance

• Torrential downpour or floods can be detrimental to your house, and If you are a resident of a place that is frequently flooded every year, then this insurance would make sense.
• The average premium of insurance such as this ranges between 5000 to 10000 INR, this is meagre and affordable as opposed to losing out your house.
• The insurance would cover any structural damage or content damage in your home. Even if you live in an apartment that is one the higher floors, there are issues like electrical damage and seepage for which you have to pay a hefty amount if not insured.

Verdict

If you are well protected in the month of monsoon, you will find it easier to have a sustainable life during this season. And, for financial and medical protection, insurance policies are the only saving grace.

With the right combination of insurance coverage for you, monsoon can be approached safely by you without feeling inhibited.