GENERAL INSURANCE BLOG

We all are aware of the saying “safety comes first”. And while travelling can provide you with the adventures and experiences of a lifetime, it is essential to ensure your safety during your trips. Having fun should not come at the cost of risking your safety. It would be best if you were watchful about several things while on the road to your destination. Always be mindful of the safety concerns and risks while planning your stay and an itinerary.

And when it comes to female travellers, there is no doubt that they need to be extra careful about their safety. Many travel groups are curated just for women so that they will feel safe and can travel without any looming fear or stress. Are you a female traveller taking your first solo trip or someone who is looking for specific safety tips and reminders?

This blog will discuss the best tips for female travellers to ensure safety while travelling. Let’s get started:

1. Be thorough with the online reviews of the hotels or homestays you might consider booking for your travel. If you find something fishy or if any review seems “too good to be true”, or if there are any “fake indications” in the study, refrain from booking a room in that particular hotel.

2. Go through the maps and existing itineraries of your travel route and destination. See what fits your budget, look for safety directions, and search for how people felt about that particular experience. And then make a decision.

3. Always keep your emergency contacts informed. Let them be aware of your location and stay calm if you land up in an unforeseen circumstance. Call for help in case of an emergency.

4. Keep the police’s number: 100 on the speed dial so you can use it if necessary.

5. Always keep pepper spray and other legal safety equipment you can use in times of distress. You must know how to use them and avoid being casual and playful about them.

6. Avoid visiting shady places you feel are not safe during the night time. Make sure to get acquainted with people and families in your hotel, so you do not feel alone. Get their contact details so you can use them in an emergency.

7. Learning the local language and a few important words will help you communicate with the locals in case you land up in a problematic situation. You should pick up commonly used terms to help you with the interaction.

8. Packing light is essential. This will help you in better planning and easy travel. Carrying excessive weight will be difficult for you while commuting from one place to another. You can ensure the safety of your valuables by leaving them in the hotel.

9. Learning self-defence for future trips would benefit you greatly in times of distress. It will also help you gain the confidence to travel alone.

10. You can opt for all women travel groups, public transport and staying facilities to ensure you are comfortable and feel safe throughout your trip.

These were some of the best tips for female travellers. Include them in your travel checklist to ensure your safety while not compromising on the fun. And while we are already talking about female safety during travel, it would be a wise option to talk about safeguarding yourself against unprecedented mishaps you might land up in through no fault of your own.

In this case, insurance helps. Make insurance a part of your travel essential. You can explore different personal accident insurance plans and research their benefits. You can purchase personal accident insurance online and stand a chance to get discounts with lower premiums and hassle-free buying procedures.

Click HERE to know more about different 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.

Theme parks are the unrivalled choice for having an incredible time with your family. From exciting rides and fireworks to riveting stage shows and tasty treats for the little ones (and adults alike!), they are the perfect place for planning a family getaway.

While going to a theme park may seem fun and games, it can get stressful if not planned accordingly. You may end up with crying toddlers and grumpy adults. This blog will give you some tips to make this family getaway unforgettable.

1. Plan expenses:

Theme parks have a bad reputation for being expensive, but this is quickly addressed with a good strategy. Before buying the tickets directly from the official websites, doing your research is necessary. Find the perfect theme park that fits your budget and try to get coupons and promo codes that help reduce costs. Plan a budget for the day that includes everything, from rides to the food to buying small souvenirs to remember the day. Stick to the budget, and there will be no regrets.

2. Dress to impress:

Pack cameras, extra batteries, and plenty of films to capture all the unforgettable moments that you'll all laugh at years later. Have fun with it! Wear matching outfits or quirky family T-shirts to stand out from the crowd. At the same time, it is essential to wear comfortable, loose clothing to stay cool and fresh in the hot weather.

3. Food and Water:

Drink ample water to stay hydrated and active throughout the day to make the most out of the day. Even mild dehydration can cause headaches which can be worrying and may spoil your mood. It is also helpful to carry some snacks or munchies with you (if it's allowed on the premises).

4. Research rides in advance:

The worst thing about theme parks is the hour-long waits that are seemingly inevitable to go on your favourite rides. So, before the day of the trip, decide which rides interest you and your family members the most and finish those up before rush hour begins. If there are kids in your family, researching height requirements in advance is a surefire way of avoiding meltdowns.

5. Pack all essentials:

Be prepared for the sun, rain, and the wind like a true pro. Sunscreen, hats, sunglasses, raincoats, and umbrellas are necessary when braving the outdoors. Pack a first aid kit in case someone gets motion sickness or headaches. If travelling with a toddler, bring all their requirements – nappies, sippy bottles, and small toys to keep them engaged.

6. Don't overstretch yourself:

While travelling, people often forget that breaks are essential. If travelling with kids and the elderly, take plenty of timeouts and pit stops for refreshment. While entering the theme park, locate a region with shade where you can all go if someone gets tired or sick. Overstretching yourself is a recipe for disaster. You may never know what might happen. Choose a proper general insurance plan to be prepared for unforeseen circumstances.

7. Avoid peak times:

Weekends and national holidays are theme parks' busiest times of the year. These are the least suitable times to venture to these places. You won't be able to enjoy the most iconic rides and eat their famed pretzels. Mondays are the least crowded, so consider planning the trip then, getting there early, and enjoying all the rides before the rush hour.

The most important thing is to enjoy your time in these parks. But these parks are also places that are prone to accidents. From getting a phone stolen to having a medical emergency, one should be prepared for everything. General insurance can be your secret ticket to stay happy and relaxed while on vacation. Invest your time and do good research to buy insurance from the best general insurance companies in India.

Click HERE to know more about general insurance companies 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.

Are you fascinated with the ever-changing and beautiful jewellery designs that keep coming every second day in the fancy showrooms, and go and buy a lot of them? If yes, you must buy a good home insurance policy as soon as possible and safeguard your treasure against any perils.

As you might be stacking a lot of that jewellery in your home cupboards, the policy will protect your home and your most valuable possession.

In this article, let us discuss how home insurance can help protect your jewellery.

1. Go for a comprehensive home insurance policy:

A comprehensive home insurance policy provides umbrella insurance coverage to your house, its contents, or both. Hence, opt for a comprehensive home insurance policy that will protect you and your precious jewellery if ever your home is looted. Even if your house is damaged or destroyed due to natural calamities such as floods, fire, or earthquake, this policy will reimburse you for your house and its contents, including your jewellery. The policy also protects other valuables, such as expensive art pieces, antiques, etc.

2. Insurance valuation services:
A home insurance policy provides protection and coverage for your expensive jewellery after proper inspection and valuation. The insurance company provides accurate valuations of your jewellery, including gold, silver, or diamond ornaments and gold and silver coins.
An insurer covering jewellery expects you to take proper precautionary measures at your house to prevent it from being stolen or getting damaged. Although the size of the jewellery may be minuscule, its value could be in lakhs and even crores. There should be no scope for wrong valuation and interpretation issues between you and the insurance company when a mishap occurs. You expect a swift resolution from the insurance company, for which there should be no room for confusion.

3. Premium amount:
The premium amount varies with the amount of insurance coverage you are seeking. This will depend upon the valuation of your jewellery from a certified valuer of the insurance company. Also, insurance companies now cover up to 100% cost of your jewellery and charge you premium accordingly.
You should compare the premium amount of standalone jewellery insurance with comprehensive house insurance. Also, check the policies of several insurance companies, compare the premium amount of their respective coverage and choose the best among them.

4. Exclusions:
You should also be aware of the few exclusions in your home insurance policy that will not provide coverage for your jewellery.
Wilful negligence –
An insurer will not process your claim for jewellery that has been wilfully mishandled or recklessly handled and damaged by you.
Sale and replacement –
The insurance company will not cover jewellery sold and replaced by a new one. The insurance policy does not automatically apply to a new piece of jewellery. You will have to inform the insurer first, get it valued and complete the required formalities for taking coverage.
Non-payment of premium –
Your home insurance policy will cease to protect your jewellery in the event of non-payment of the due premium by you against the insurance policy.

Jewellery is a great investment for most of us. It is expensive and has good resale value as well. Moreover, there are a lot of emotions attached to them, if they are a part of our family heirloom or have been purchased by us for our dear ones on some special occasion. Hence, it is essential for you to buy home insurance and get them insured.

You should compare the policies and premiums of several home insurance policies and opt for the best home insurance in India. Going for the best will keep you stress free, and you will be assured of the safety of your house and its contents at any point of day or night.

Click HERE to buy the best home insurance in India.

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

Travelling as an adult can be a tedious process in itself. Figuring out the roads, the map, arranging for a vehicle, finalising the itinerary, making a list of the things you might need, medical emergencies, and packing your luggage are a few important things one has to do in the process of starting on a trip.

Can you imagine doing all of this while having a baby on board? It's challenging and hectic for parents and families to be travelling with young kids and babies, especially on long-distance road journeys. Things can go south in a matter of seconds, so you must ensure that you are prepared for whatever is to come beforehand.

But are you a parent of a new-born? We know you are seeking the best tips to organise a trip around the baby's comfort. Because let's face it- the higher chances of the baby being safe and comfortable, the better possibilities for the adults to enjoy the trip and claiming it a memorable journey.

This blog will discuss the top five tips that will make your driving experience less chaotic.

1. Car seat for babies:

It is uncomfortable for the parents and other people in your company to carry the baby throughout the trip. But it might also get annoying and cause discomfort for the babies. Using a car seat can do wonders in this situation. This way, the baby can sit comfortably, all buckled up hence no negative points for being careless about their safety. It also gives the baby a certain posture without hurting their head and neck muscles.

2. Backseat for the young ones:

Sitting in front has a higher chance of severe injuries. Hence, it is advised that you install your baby's car seat in the back where there is a comparatively lesser possibility of any impact of an accident. Also, fully functional airbags in your car can help lessen the aftermath of any dangerous mishap which can endanger your baby's life or health. Also, if you have two babies on board your vehicle, it would be wise to buckle them up individually instead of buckling them up together.

3. Let them sleep peacefully:

A child's sleep is more important than the parents'. And we are pretty sure that the young or new parents can vouch for this. Because as long as the baby sleeps, you can have some moments to yourself in peace. Similarly, it would be a good idea to put your baby to sleep during a trip to help them with the newness of a road trip and the discomfort they might feel along the way.
Staying in one position buckled up the entire time can make them irritable. If a baby feels uneasy, the situation can quickly become chaotic. To avoid this, ensure that you create convenient and familiar conditions for the babies to induce sleep.

4. Stops throughout the way:

If you are attempting to feed your baby whilst driving, STOP. You are endangering everyone's lives and creating a huge ruckus.
And if there's a tiniest event which causes inconvenience for your baby, the whole travelling situation could go downhill, real fast. Therefore, make stops throughout the way so that all co-passengers can take a breather after exhausting rounds of babysitting and travelling.

We hope the blog helped you with the preemptive insights to make your journey less daunting by keeping your baby happy! For additional security, you must ensure that your vehicle stays in the best possible condition. Be on your toes while undertaking your car's maintenance, especially while having a baby. One of the many other ways is purchasing car insurance. Browse through several available options and check the best car insurance price in India to see the ones which would fit your budget and cater to your needs.

Click HERE to find the best car insurance price 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.