GENERAL INSURANCE BLOG

Getting motor insurance regardless of the fact that whether it is new or old, is always confusing. Technical jargons, guarantee amount, clauses, picking motor insurance company, etc. are some things which everybody does not understand, and it leads them to make wrong decisions. They all look lucrative from afar, but which is the right one.

Hence, here we have compiled a list of frequently asked questions that will help you in getting the right motor insurance for you.

Question: What does a motor insurance cover?

Motor insurance covers you against any financial burden due to damage of your insured vehicle.

Question: Does the motor insurance offer different coverage types?

Yes, different types of insurance coverage types are available such as bodily liability, comprehensive, property damage liability and uninsured and underinsured and collision. You can choose the insurance coverage type as per your needs and requirements.

Question: Is buying motor insurance mandatory?

Yes, it is mandatory to buy motor insurance though the laws of carrying insurance vary from state to state. It is recommended you visit the online website of the government transportation of your state to make sure that you got the right motor insurance.

Question: Is a motor insurance expensive?

Yes, motor insurance is relatively expensive. Though you should also consider the credit report and driving the history of your vehicle while buying insurance.

Question: What happens if I forget to pay the premium fee for my insurance policy?

You will get a warning notice from the motor insurance company. But if you forget paying a premium fee over and over again, they can either issue late charges or will cancel your policy. So, it is recommended to pay your premium fee on time.

Question: Can I change the motor insurance coverage if I want to change it?

Yes, if you want to change the motor insurance coverage then you can, but you might need to pay a cancellation fee. But if you wait till the policy maturity then you can change the coverage without extra fee.

Question: How can I get a discount on motor insurance?

Discounts are quite common when it comes to motor insurance. Different motor insurance companies offer different deals and discounts on motor insurance so you can choose the right one as per your needs and requirements.

Question: Can my gender affect the amount of the premium fee?

Yes, gender affects the premium rates of motor insurance. According to the statistics, male drivers are generally involved in more accidents. Therefore, companies offer motor insurance at a higher premium fee to males as compared to females.

Question: Can I get motor insurance even if my vehicle is more than 20 years old?

It depends upon the shape and condition of the vehicle you have. If your vehicle is not in a condition to get coverage, then it is not recommended you to get higher coverage and it does not make sense to spend a higher amount onto it.

Question: What is No Claim Bonus?

It is a discount after a claim-free year or an incentive for driving safe and avoiding accidents.

Question: What are the documents that are required to be submitted for a Motor Insurance claim?

Required documents differ from company to company but some of the most important document that would be required are: Claim form, registration copy of the vehicle, an estimate of the loss, original repair invoice and payment receipt.

Buying a car is no more a family dream as people are investing in a car in their early careers. With the increase in pollution and traffic in most of the metro cities, ditching your two-wheeler for a car would seem a better idea for a comfortable ride to the office.

We get all excited while planning to buy a new car and would end up visiting various car showrooms to extract the best bid in our budget. However, when it comes to purchasing insurance for the Car, we would hardly care to see what it actually covers and prefer policies with minimum premium.

Purchasing the correct vehicle insurance is although little tricky, we present a primary point-agenda to buy the best vehicle protection with the best car insurance price in india to make your life simpler.

What should a comprehensive car insurance plan cover? 

1. Any damage to the Car due to Natural disasters: 

Since natural calamities are not in our control, anything such as earthquake, storm, cyclone, landslide, Tsunami, etc. must be covered in your plan.

2. Any damage Due to Man-Made disasters:

Any damage caused due to a terrorist attack, a riot, strike and during the transportation of your Car should also be compensated by your insurance plan.

3. Personal Accident Cover: 

It's imperative that your Car insurance also provides for you and your family in case of an unfortunate accident resulting in partial or full disability and even death. Under a comprehensive policy you 

4. Third-Party Legal Liability:

If a third party suffers any damages during the accidents or a surrounding property gets damaged, this cover protects you against the legal liability.

What is not covered under a Motor Insurance NOT cover?

• Driving the car under the influence of alcohol or drugs.
• Intentional loss and damage to the vehicle.
• If someone else is driving your car and it is damaged while being driven by that person.
• Driving without a license.
• Damage caused due to war, mutiny, invasion by the enemy, nuclear risk.
• Any mechanical or electrical breakdown of the Car due to Driver's mistake or because of the condition of the vehicle.

Always pick a top-rated agency 

If it's cheap, it's compromised, hence don't get attracted by any plan that assures a full coverage under a low premium fee. In case of an emergency, the priority is getting your claim as early as possible. Go for a reputed company in the market that provides fast claim settlements along with great customer service.

Key factors to consider before purchasing Car insurance:

• Allowance for the commute - If your Car is under repair, make sure your plan includes an allowance for the daily commute by your insurer.
• Cover for lost car keys - If you lost your car keys or someone has broken into the lock system, you will get cover for replacing the lock.
• Cover for hotel stay - Suppose your Car has become immobile after involving in an accident and you need to stay nearby while it is being repaired, your plan must bear the expenses of your stay in a hotel.
• No Claim Bonus - If you haven't filed a claim during the period of your policy, you can apply for a no-claim bonus. Also, if you make only one claim, you still get to keep your NCB.
• Repair of glass, rubber, plastic and fibre parts - If such parts of the car are damaged, you can get them repaired, and this does not affect your No Claim Bonus.
• Lost Personal Belongings and Baggage Cover - If your Car doesn't have an anti-theft device that is approved by the Automobile Research Association of India, the insurance company gives you cover for the lost personal belongings. 

Bottom line!

While you spend so much time researching the latest model, the jazziest colours, the snazziest of safety features, also choose the best car insurance policy in India that offers you higher protection against.

Thanks to higher disposal incomes and many attractive car loans available in the market, owning a car in India is no more a luxury. You spend a good amount of money to select a model, accessories, and safety measures like gear lock and central locking for your proud possession. But, have you ever given a thought about why your car requires a valid car insurance policy? As driving in India has its own perils, the Motor Act, 1988 made it mandatory for all car owners to possess a valid car insurance policy. 

The car insurance policy not only indemnifies you in the event of an accident, damage, theft, or loss affecting your car but also offers protection in case of third-party liability. Instead of treating your car insurance policy as an expense, you must consider it as a protection.

Here are some of the most noteworthy key points that will help you to understand the benefits of having car insurance.

• Monetary benefits of a comprehensive car insurance 

  One of the key benefits of a car insurance policy is the reimbursement in the form of financial benefits if the car meets with an accident or gets stolen.

• Cashless repair facility

  The benefit of cashless repair facility can be availed when an accident-related repair is completed in a network garage. Protection against losses caused due to natural calamities like earthquakes and fire.

• Protection against third-party liability and legal cases.

  A good car insurance policy provides you protection caused to a third-party, like injuries, damage to another vehicle, or death while using your vehicle.

How to select a recognized car insurance firm?

It is essential for you to know if the insurance company is registered with the Insurance Regulatory and Development Authority (IRDA). Before you plan to buy car insurance online from an insurer, validate that the company is featured in the IRDA list of authorized insurance companies.

How to check your car insurance status online?

Once you have purchased a car insurance policy, it is advisable to keep your Car Insurance details handy at all times which might be required at the time of filing an insurance claim.

If you are unsure about the status of your car insurance policy, then you can check it on the official website of the Insurance Information Bureau (IIB), which has been created by the IRDA (Insurance Regulatory and Development Authority). 

When you are performing the car insurance policy status, check on the IIB website, you must take care of the following points:

• In case the car insurance policy has been issued recently, the details will not be available online.
• While entering the car number, do not use spaces or any special characters.
• Please note that data is available only for those policies, which have been issued after March 2010.
• This option can be utilized for a maximum of 3 times by using your mobile number or email id. 

With the car insurance status checks been made simple, it is easier for you to keep track of your car insurance policy. Make sure that you renew your car insurance policy before the expiry date of the present policy to enjoy continued protection against damages. 

These essential Car Insurance tips will help you file a claim with your insurer and get it approved without any hassles. You can also buy or renew your Car Insurance online instantly as per your preference.

Having a car insured takes many brainstorming sessions in which you have to consider several factors. The premiums paid towards a car insurance policy can be a wrecking ball to your hard-earned money. The requirement for purchasing a suitable policy is something that can't be overlooked. An ideal approach to manage this undesirable circumstance is to know about significant components that influence the vehicle insurance premium. The adequate knowledge of these determinants will enable you to have decent policy terms from the best car insurance company in india with the same advantages and deductibles. Here are some of the factors that directly affect the premium rates,

• Type of Car – Undoubtedly, the subject of your insurance that is your car determines your premium rates and is one of the significant factors considered under the premium bar as some of the vehicles are either stolen; lack specific safety measures or incur more repair costs.
• Driving Habits of the Driver – If you have a record of bad driving, accidents or too many traffic fines under your belt then the insurance companies may refuse to give insurance or charge the high cost of the policy as they strictly adjudge that another accident is prone to happen soon. However, if you make sincere efforts to drive safely, your record may lose value over time, and your insurance premiums can be more manageable for you.
• Demographic Factors – Things like your age, profession, geographical location have quite a weight on your insurance premium allocation. For instance, if you live in densely populated regions, then you are more prone to collisions, thefts or injuries hence higher the premium. Whereas, if you live nearly in a hamlet, then your premium may descend accordingly. Similarly, take age or gender; for example, if you are young and reckless, you may have to shell higher premium amounts. In some cases, women tend to pay lesser premium than man. No reason, just giving an edge to gender parity and all.
• Customized Car Insurance Policy- Another primary reason for increment and decrement of insurance premiums. A well-customized car plan that completes the necessities of your desired car may cost you high premium rates. Many insurance firms offer well-tailored policy plans that would prove beneficial to the insured on a personal basis.
• Car coverage and choice of deductibles - Insurance premiums may vary depending upon the type of coverage the insured chooses for their car. Types of coverage depend upon the state of the car; they could be collision, liability, comprehensive, personal injury protection coverage, etc. A deductible is an amount you pay before your policy period to pay for an uncovered loss, setting high deductibles indicates less money to pay in policy.

In the end, one must ensure that paying for car insurance is an essential part of owning a car. Hence, try to come with a pivotal decision that would lower your premium at any cost.

Health problems can occur suddenly and without preamble, and it can often mess up your financial planning with unexpected expenses. It has made health insurance important for every family to help decrease any unplanned financial burden. Though most of the companies provide their employees with health insurance coverage, it is not sufficient and can also exclude many ailments. Emergencies do not see our feasibility; hence, a reckless attitude towards health could put you in financial risk. Also, if we are paying for a thing, we tend to be very careful about the benefits we would be receiving.

However, it is not just about taking a health insurance plan; instead, it is about choosing the right health plan for your family to get the maximum benefits at the time of emergency. It is essential that you understand various factors that will help you choose the right health insurance policy .  Here are a few essential things you should know while deciding to buy a health insurance plan.

What kind of health plan suits you?

Health insurance plans can be indemnity plans and defined benefit plans. The defined benefit plan pays a lump sum amount for treatment without going into the detailed breakup of hospital expenses. On the other hand, an indemnity plan reimburses the hospital expenses. It is recommended that your health insurance portfolio should have indemnity plans and additional critical illness plans which are defined benefit plans. 

Which indemnity cover suits you: Individual health insurance or family floater?

If you want extensive coverage, individual health insurance is the option. In this type, you will buy separate plans for each member of the family, and premium for each policy will be based on the age, and respective sum assured. However, if you are a family person, it is recommended that you buy a family floater (FF) plan to cover your whole family. Then you will not need to buy separate policies for each family member. The premium for family floater plans is also less than individual plans, and there is a higher sum assured. The most important factor is that anyone can use the amount for medical treatment. Also, it is possible to cover parents if they are senior citizens with a slightly higher premium.

Other important considerations while choosing health insurance for your family:

• Select the sum insured based on your age and marital status, because the risk is less when you are younger, and it climbs as you grow older.
• Select a plan that has a minimum waiting period for pre-existing health conditions.
• Select a plan that allows you to renew at 75 or 80 years of age.
• Consider the range of hospitals that the insurer is affiliated with.
• Compare premiums and plans from more than one insurer and remember to read the customer reviews.
• Read between the lines to understand the exclusions.

Insurance does not guarantee good health, but it will help you in taking care of your loved ones the best way possible during health emergencies. 

Maintaining commercial vehicles like trucks, carriers, tempos, cars, etc., can be challenging at times, but it is common knowledge that regular maintenance ensures a longer lifetime of vehicles. And missing out on these services will result in expensive repair works that can put a load on your pocket.

Hence a wise option is to follow a regular maintenance regime for your vehicle and invest in motor insurance that provides several benefits while also helping you stay on a budget.

Today, we'll look at ways to ensure your commercial vehicles stay in their best shape.

1. Keep a vehicle checklist:
Since various drivers use and drive commercial vehicles, maintaining a checklist is a good idea. This will ensure that each driver is reminded to check fuel levels, tyre pressure, brake systems, and batteries before making a trip. After the initial check is done, they will know all the shortcomings and fix them before departure.

2. Change engine oil:
Since the oil in heavy commercial vehicles can be spoiled by dust and small dirt particles, it is advisable to change it regularly. Polluted oil can affect the optimal functionality of vehicles and cause various issues during the trip that will be expensive to fix. The oil filters should also be changed frequently to avoid an accumulation of dust and other residues.

3. Engine maintenance:
Excessive smoke, decreased power, and loss of oil pressure are a few indicators of engine failure. Ensure that the engine goes through professional checks to identify any additional defects. These procedures involve exhaust temperature, monitoring engine cooling, and boost pressure.

4. Inspect tyre pressure:
For the maximum value of tyres, keeping a check on the tyre pressure is non-negotiable. Commercial vehicles do not stick to one kind of road. They traverse various terrains to cover long distances and undertake multiple business operations. Inspecting the tyre pressure is the best way to increase the life of tyres. Another way of ensuring better health is by rotating the tyres before they wear out.

5. Keep the vehicles in the shade:
Keeping commercial vehicles away from the harsh climatic conditions when they're not under operation helps maintain their shape for extended periods. If garages and sheds are not an option, you can opt for vehicle covers. They also help in keeping the chassis of the vehicle clean.

6. Train the drivers:
Training the drivers in performing minor repair works can help you reduce maintenance costs in the long run. Conducting drills on maintaining the vehicle and dealing with emergencies as a team can help them understand basic procedures and share ideas and tricks.

Compensating your drivers for putting in extra work, providing health insurance, and good living quarters is an excellent way to ensure that the drivers are well-rested and taken care of. This way, they are less likely to cause accidents.

These were a few ways to ensure the better health of your commercial vehicles. Owning a business that includes commercial vehicles comes with its own set of challenges, but regular upkeep and servicing can ensure reduced cost and investment in the long run.

Do not forget to invest in motor insurance, as it will add value to your service by providing a safety net against all expenses in an unprecedented situation such as accidents or machine failure.

Click HERE to know more about 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.

Every homeowner must invest in home insurance to rely upon in case of unforeseen events. It secures not only your house and its belongings but also the residents. Whether it is due to weather-related damages, unforeseen break-ins and theft, or unfortunate fires, a reliable home insurance plan can efficiently help you through these challenges.

The percentage of homes insured in India remains significantly low at a mere 1% compared to the U.K, U.S, Australia, and France, which stand at 97%. Indians still need to realise the importance of home insurance and its benefits in securing lives and properties.

While it is vital to invest in the best home insurance plan, knowing if it covers all your requirements is equally essential.

Let's look at the most common home insurance claims that homeowners usually make.

1. Fire inside the house:
Some of India's most common home insurance claims are registered for unforeseen fires. A fire can take place anywhere, anytime. Overheating of appliances in the summer heat and sparking of electric wires due to poor insulation are often the sources of fires inside the house. The interiors of a home are filled with various materials, like wood, that can quickly catch fire. These fires can be controllable only if detected in time. But, if not, they can cause irreversible damage.

2. Fire on the home property:
While fires inside the home can cause significant damage, fires on the entire residential property can be disastrous. Fires caused by gas leakages, water leakages into electric circuits, short circuits, etc., can threaten the whole structure of the house. Homeowners' losses due to these fires are overwhelming and are commonly filed as home insurance claims.

3. Break-ins and theft:
Break-ins and theft have become a common occurrence that several people nationwide complain about. Even with the most advanced, complex, and dependable security systems, thieves break in and steal valuables in the wee hours of the night. Troubled homeowners frequently seek insurance claims concerning the damages caused by these break-ins in their property.

4. Landslides and Flooding:
Many states in India face natural disasters such as landslides and flooding. These natural tragedies are another common reason for filing a home insurance claim. While the coastal areas face annual flooding, the hilly regions of the country witness frequent landslides during monsoons or deforestation. These natural disasters cause heavy damage to the properties. In such cases, home insurance plans can help manage the recovery of financial losses.

5. Man-made disasters:
While natural catastrophes cause enough property damage, human negligence can cause just as much damage. Failure of homeowners or the people living around them can threaten the home or property. Water leakage, using low-quality products, improper care of the property can destroy not only your own home but also of your neighbours.

The above are the most common home insurance claims filed by homeowners. Sudden natural or man-made events can cause significant damage to your home and life. While we can be as cautious as possible, there are unforeseen events that we cannot escape.

Investing in home insurance India secures your future from unpredictable events that can cause severe damage and losses. Stay free from the monetary stress and add value to your priceless possessions with the safety net of the proper insurance to receive good returns on your investment!

Click HERE to buy reliable home 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.

Nobody likes to anticipate any worst-case scenario, but we still prepare for them. However, people investing in home insurance in India are as low as 1%. This shows the lack of awareness about the importance of home insurance which makes Indians highly susceptible to financial and property losses that take years to recover. Every individual who wants to secure the future of their family and property must invest or buy home insurance.

Once you buy home insurance, you can recover from household losses more efficiently. However, purchasing a reliable insurance policy is not enough. It is crucial to abide by the strict regulations involved in your home insurance. Every individual must follow the entire list of dos and don'ts of the insurance policy.

To avail the benefits of your home insurance successfully, you must know some of the critical points that can nullify your home insurance.

1. Renting your home:
While you may think you have the complete liberty to rent out your home, this could jeopardise your insurance policy. Several home insurance companies reject the idea of insuring a shared house. Renting out your home or registering it as a homestay on hotel booking sites can become a risk as insurance companies look at it as sharing your property with someone you don't know well. They might consider this threatening enough to cancel your insurance plan altogether.

2. Exaggerating the value of your home:
If you exaggerate or overestimate the value of your home, it can lead to the cancellation of your home insurance plan. Insurers always cross-check the details given by the homeowner and verify them. To help this, you can show an inventory of all the things you own and their actual monetary and market value. It is good to save receipts of appliances, furnishings, etc., to provide evidence.

3. Practising illegal activities:
Illegal activities like the consumption or sale of narcotics can be grounds to cancel your home insurance policy. No company wants to deal with individuals going against the law. Insurance companies provide policies based on the homeowner's character. Practising illegal activities can be a solid red flag. They may nullify your home insurance policy on the grounds of suspicion. Filing fraudulent claims to gain funds from the insurance company is another illegal activity to steer clear of.

4. Long periods of absence:
If you plan to be absent from home for an extended period, you must check the insurance policy's requirements before you leave. Home insurance policies usually have terms for how frequently they need an adult individual to check on the house's conditions. You must request a trusted individual to check on the condition of your home as per the required intervals. This helps verify that the house is protected against any unknown damage, break-ins, or theft. Contact your insurance company before leaving for an extended period to avoid confusion.

Although most Indians are aware of the dangers of earthquakes, natural calamities and other security threats for their homes, they still do not buy home insurance. You may choose an insurance company to buy home insurance online India that provides you financial security with the additional benefit of covering your insured belongings.

So, check the above set conditions and other guidelines of your insurance contract to avoid your policy getting cancelled.

Click HERE to buy home 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

While building your home or renovating your existing apartment, design, furniture, wallpapers, paints, etc., are just some of the many things you need to consider. However, one of the lesser talked about things is the house's flooring. Choosing a floor involves various factors such as climate, the people, pet and child friendly etc. Having an interior designer can significantly help you in selecting the right fit for you.

Sometimes, even the best flooring can show defects due to various climatic and other factors, and you might need to change your flooring after a while. This is when your insurer plays a significant role. Your insurance provider will take care of the extra expense that you have incurred in the process of revamping your floors due to the damage. Keeping these things in mind, opting for the best home insurance in India should be your first step to building your dream home.

Today, we will be looking at a complete guide that will help you choose the best floors for your home.

1. Lifestyle:
Depending on the lifestyle of your family members, your flooring preference will change. e.g., if you live with older people, you might want to look for floors that provide some friction and prevent the cold. Hence, choosing a floor that serves functionality and style is essential. If you are a pet parent, you might want to opt for textured floors to ensure that your pet’s joints and muscles remain in proper health.

2. Durability:
Quite literally, your house stands on your floor. Hence, it is essential to opt for durable floors. Paying a slightly higher price for quality material ensures that your floor stands the test of time and sustains all the pressure.

3. Weather conditions:
Weather conditions are the driving factors in flooring selection. You need to keep your house warm. It is wise to invest in wooden floors and add carpets to ensure your floor remains warm throughout. Marble flooring is a smart option for hot or warm places as it retains the cold temperature during the night and keeps your house cool.

4. Colour theme:
While we discuss the floors' functionality and cost-benefits, choosing a floor that goes well with your house's colour and the theme is also important. An interior designer can suggest the latest trends and flooring patterns that add value to the interiors of your house.

5. Maintenance:
Opting for fancy flooring and sticking to a theme is just the first step in ensuring the longevity of your floors. It is also essential to go for options that are easy to maintain. Floors such as quarry tile, carpet tile, epoxy flooring are all examples of durable yet low maintenance flooring. The only thing these floors require is daily sweeping and deep cleaning once a month. On the contrary, high maintenance flooring requires regular upkeep and intense cleaning to avoid discolouring and scratches.

The floor is what holds your room together, so choosing the right floor can make or break the look of your room. The above discussed are a few points that you can look out for before selecting the best flooring options for yourself.

Compare the prices in the market to make sure that you are getting the best quality products for your home. Another good option would be investing in the best home insurance in India to safeguard your home against unforeseen circumstances. Remember, your floor selection is about balancing your requirements with your style. Use the internet and look out for various brochures and more ideas online.

Click HERE to know about 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.

Transportation and trading of commodities have never been more accessible than now. Taxis, tractors, cranes, transport trucks, and other motor vehicles have become standard trade methods in various industries. Often, these vehicles operate outside of the commercial space and are subject to many dangers on the road.

Business owners require commercial vehicle insurance coverage to handle these risks successfully. Owners can purchase insurance covering third-party and own-damage claims and get it renewed as and when needed.

Let's get a better understanding of commercial vehicle insurance in general.

What exactly is commercial vehicle insurance?
Commercial vehicle insurance policies protect owners whose vehicles are used for business purposes. There are a variety of vehicles covered under this policy, including delivery trucks, staff cars, food trucks, and more.
The motor insurance policy provides liability and accident coverage and helps you with the payment of damages and medical costs in case of accidents. It will also cover the towing costs if your vehicle breaks down in the middle of the road.
If you're looking for online motor insurance renewal for your commercial vehicle, you need to first ensure the types of vehicles covered by the policy. Additionally, you can cross-check various insurance companies for the best features and premiums. Online motor insurance renewal is beneficial, especially when you are in the midst of day-to-day business activities.

Types of vehicles covered by commercial insurance.

1. Vehicles that carry passengers:
It includes a variety of vehicles that typically carry passengers, such as cabs, rickshaws, school buses, and private buses. Passenger transport vehicles such as taxis and school buses bear a great deal of duty due to the high volume of passengers they transport regularly. Commercial vehicle insurance protects these vehicles from financial ruin in an accident and also protects the passengers they carry.

2. Vehicles for moving goods:
Goods-carrying vehicles are primarily used for transporting goods from one location to another. Because these vehicles are so enormous and loaded with goods, they pose a greater risk. Damages to a third-party car or one's own vehicle, as well as damage to commodities, are covered under commercial vehicle insurance. It all depends on the policy coverage; therefore, thoroughly read the terms of all the plans before making a final choice.

3. Miscellaneous & Special Vehicles:
Aside from trucks, taxis, buses, and cabs, numerous other vehicles are utilised for business or commercial purposes. Special vehicles for mining, farming, and construction, for example, could be among these vehicles. Insurance for commercial vehicles protects the vehicle from any damage or loss resulting from or caused to the vehicle.

Commercial vehicle insurance has many advantages:

• Commercial vehicle insurance can be deducted as a business cost from your income tax.

• Travel agencies, automobile rental services, and other businesses can buy this insurance plan in bulk. This simplifies the procedure while allowing for a cheaper premium rate.

• It covers any losses caused by unexpected events like theft, fire, vandalism, terrorist attacks, and natural calamities.

• It provides additional rewards in the event of a death resulting from an accident.

• No claim bonus is given during policy renewals if there has been no claim throughout the policy period.

• It provides coverage for the litigation and legal bills that have been filed against you.

Your company's financial stability depends on how efficiently your commercial vehicles work and facilitate the business. Businesses must opt for purchasing motor insurance to safeguard their vehicles from all potential risk factors. Online motor insurance renewal is the best option for companies already owning an insurance policy. Alternatively, you may choose to include several optional coverages with your basic plan for some extra fee.

Click HERE to get an 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.

India's economy is heavily dependent on the transport of various goods. As the world's second-most populous country and one of the fastest-growing economies, different food and industrial needs can be met only with effective and constant transport operations. Supplying goods for a population as vast as over 130 crore people isn't easy, and various modes of transport are used to meet the demand and supply requirements of the nation. Be it the well-connected train routes or the extensive trucking system, transportation is pivotal for the country.

And while the train pilots are heavily compensated and well paid, the trucking community is often neglected. With minimal pay, over the top work hours and extended working conditions, truck pilots face a lot of trouble.

Today, we highlight the most prevalent trucking violations in India.

1. Sleepless nights:
Truck drivers are constantly working for 12 hours at a stretch. Sometimes this goes on for days non-stop. Covering long distances within a given time can be challenging for the drivers. And sleepless nights and bare minimum food can add to the fatigue.
Research showed that almost 53 per cent of the current driving force face various psychological and physical issues, including but not limited to insomnia, obesity, joint pain, poor vision etc.

2. Extended work hours:
Since most truckers come from low-income groups, they are always looking for ways to work extra hours. This leads to added fatigue and exhaustion.
There have been instances when drivers have unknowingly knocked vehicles from the road and crushed the pedestrians. While there is no mandate stating the number of permissible work hours in India, it is illegal to drive for more than 10 hours at a stretch in most countries.

3. Overloading:
About 10 percent of total accidents are caused by overloading. These accidents can be caused due to various reasons such as tyre burst, loss of balance, manoeuvring the speed on an incline, worn out brakes etc. The weight of the truck changes if it's overloaded, which impacts the centre of gravity, making it challenging to handle the vehicle.

4. Poor health care:
Trucking services neglect the need to provide basic insurance to truckers and co-pilots. The truckers often turn to home remedies and generic medicines in case of injury. In most cases, they cannot afford the treatment as they prioritise reaching the destination on time. As a result, severe back pain and loss of vision have become some of the most common health issues amongst truckers.

Truckers are one of the most villainous communities on the road. However, we need to understand that they are put through extremely hostile work conditions. Providing sufficient health care and funds to truckers should be made mandatory. Limiting the working hours, maintaining a logbook and providing good resting conditions for the drivers can bring a considerable change to the trucking business in the country.

Sometimes, the truckers are responsible for bearing the cost of repairs on the truck while on the road. Burdening the drivers with such extra expense can be avoided by investing in comprehensive online motor insurance and selecting the plans that provide the best benefits. Various NGOs and individual transport companies can look for multiple covers, including health insurance, public accident insurance and motor insurance for the drivers.

Click HERE to know more about buying 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.

Several car owners consider their vehicle to be an expression of themselves. Car enthusiasts may pick aesthetic modifications for their beloved vehicle in the same way a person chooses particular outfits to showcase the style quotient.

Remember, having automobile protection accessories may help prevent any slight or significant wear and tear that occurs over time. Such accessories will undoubtedly keep your vehicle spotless, increase its longevity, and add value to your car.

However, you must strike the correct balance between aesthetic and practical modifications so that your vehicle stands out in terms of both elegance and convenience. Here are several useful and practical extensions to enhance your vehicle's overall quality.

1. Additional fog lamps:
When the primary headlights fail, the extra fog lights turn on. These are primarily helpful if the battery is dead and no other power source is available. They also use the braking system to minimise acceleration in certain circumstances, leading to a lower speed when the vehicle meets an obstacle and preventing it from veering off the road.

2. Side moulding on the body:
This is an excellent option for vehicle owners who wish to armour their cars and protect them from knocks and dents on the road. The resilient material is elastic enough to absorb the impact of slamming car doors against your side. When buying a body side moulding, you can pick from various designs and colour choices to enhance the appearance of your car's exterior.

3. Tyre-pressure monitor:
Some individuals are picky about certain aspects, while others are not. A tyre pressure monitor set could interest you if you fall into the first group. Your car's tyres should always be in perfect condition, and this device guarantees that they have the correct pressure for travel. If there is a deviation, the monitor will notify you to remedy the problem.

4. Grill protectors:
A strong grill shield protects the front of the car from severe damage caused by pebbles, tall grass, and anything that it may kick up. It can also secure the driver and passengers in minor accidents or collisions with other vehicles or wildlife.

5. Jump starters:
A jump starter may serve as a backup power source when your four-wheeler's battery fails. If you like taking long road trips, it is advisable to have a jump starter tool kit in your car. This equipment becomes even more important when driving on frigid terrains or secluded locations.

6. Hydraulic jack:
Always keep a hydraulic jack handy in your vehicle. This mechanical tool can be of great help when you need to change the tyre in case of a puncture. A hydraulic jack can reduce the mechanical effort involved in tilting or lifting the vehicle.

You can select from a plethora of accessory packages and accessible alternatives to further safeguard your four-wheeler. However, before purchasing protective gear, examine how you will operate them for the best benefit of your car's safety and needs.

Aside from protective extras such as tyre pressure monitoring, keyless locking, and additional bumpers, protecting your car with motor insurance is an investment that will surely pay off in the long term. It will provide you with a hassle-free car experience without jeopardising your safety. Therefore, look for the best motor insurance company in India to protect your car, yourself and other drivers on the road.

Click HERE to connect with the best motor 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.

Fishing is an easy sport that can be enjoyed by people of all ages. Many people like to camp near fishing sites and spend time with family and friends. The excitement of holding the rods and attempting to catch a fish and cook it into a delectable dish is a joyful experience.

While fishing is a simple sport, newcomers interested in trying their hand at it might find it difficult to get started. Catching the first fish is a memory to cherish throughout your life, and this blog will help you accomplish that.

Let's discuss the six best tips for newcomers to get started with fishing easily.

1. Research:
It would be best to do some research before heading straight to the pond with your fishing rod. Get a general idea about fishing. Read some books on the basics of fishing to understand the process. You may even watch a few tutorials online to clear the fundamentals of preparing the rod, using the bait, and understanding the techniques involved.

2. Basics:
After you are done with your research and are familiar with the terms and equipment used in fishing, you can get started by understanding the basics and pre-fishing tasks. For example- you can learn how to put baits on the hook, tie knots, etc.

3. Bait:
You need to know about the various types of baits that attract different fish. For example, raw chicken liver attracts catfish. Adding the wrong bait can make it difficult to catch a fish. So acquaint yourself with the proper knowledge about different types of fish and the tricks used to catch them.

4. Location and weather:
Be mindful while choosing a location for your fishing trip. Look up the site on the internet and learn more about the water bodies and the types of fish that might be available (if any). A cloudy sky is considered to be the best weather for fishing. You can also catch fish in other weather conditions, but an overcast sky speaks magic comparatively. If you are not aware of the proper conditions for fishing, it could be a disappointing experience not to find anything to catch.

5. Apparel:
You need to dress for the occasion. In the case of fishing, wear boots since there is a slight chance that you might have to (or by accident) paddle into the water while catching a fish. Dressing according to the weather would make the fishing experience better for you. Wear layers if it is cloudy and chilly. Tie your long hair into a ponytail to avoid getting distracted.

6. Bug spray:
Make sure that you carry bug spray. The places around these water bodies tend to have a lot of bugs and insects (mainly mosquitoes), which might cause trouble while fishing and can get you sick if you are not careful. Using an itch-free bug spray is advisable for a comfortable fishing experience.

That's a wrap on the six best tips for newcomers in fishing. You have to be quiet around the edge of the water bodies to catch fish efficiently. Even a slight mistake can be risky and may land you into unwanted trouble. So, get the best personal accident insurance India to protect yourself against any unfortunate incidents and make your fishing experience a memorable one.

Click HERE to know more about how you can 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.

Whether you're looking to purchase your first pickup vehicle, minivan or heavy-duty truck, there are several aspects to consider beforehand. The process of buying a commercial vehicle can be daunting for first-time customers. An excellent place to start is to gain enough basic knowledge about trucks to understand how they will meet your requirements. In contrast, existing truck owners should focus on increasing the benchmark performance of their present fleet.

If you fall in either of the categories, here are some pointers to help you while buying a commercial vehicle.

1. Research your way into it:
Regardless of your level of knowledge about commercial vehicles, most showrooms would be happy to assist you. However, doing some comprehensive research as part of the purchase process will help you better understand commercial vehicles before going to a dealer.
Talk to people in your known circle who own commercial vehicles. Find out what goes into daily and long-term maintenance, and get details about performance and cost. Read through buyer reviews and do plenty of research online.
This may appear a tedious task, but buying a commercial vehicle is a significant investment. If you go for the wrong product, it can cost your company in the longer run.

2. To help you make a better decision, ask yourself these questions:

What kind of chassis am I looking for?
Chassis is your vehicle's structural backbone. Fuel will be wasted if you use a chassis that is too large for your needs. On the other hand, a tiny chassis might cause your vehicle to get overloaded, requiring you to make additional trips, wasting time and fuel, and reducing efficiency.

How much power do I require?
When the vehicle obtains the best torque at a low engine speed, the overall fuel consumption is lower than when the engine is operating at maximum speed. So choose a vehicle with an engine designed to provide maximum torque at the speed at which the vehicle will primarily operate most of the time.

What type of tyres am I looking for?
Tyres support your truck in operating at its maximum design speed safely. When moving, they should provide as little resistance as possible. If your vehicle involves driving on high-speed routes, low-rolling-resistance tyres might be beneficial. For small trucks, remember that tyre maintenance is more important than tyre selection.

Which fuel will my truck need?
Although most commercial vehicles run on diesel, alternative options are gaining popularity due to growing fuel prices and environmental concerns. Hybrid electric engines can be helpful for trucks dealing with a large number of small deliveries.

An increase in fossil fuel prices may make these alternative fuels more tempting for your applications. Still, given the current market, you should do thorough research because these options have challenges, fewer refuelling or charging stations, to name one.

Purchasing a truck is a significant financial investment for anyone. A good vehicle can be your business's maker or breaker. It is an asset that needs regular servicing and maintenance to perform at its best. In addition to doing extensive online research for some valuable takeaways to buying a commercial vehicle, you also need to study online motor insurance that can provide financial cover to your vehicle against any mishap. While making the most impactful investment of your life, it is also crucial to get online motor insurance for your purchase to help you be carefree when it travels miles for your success.

To know more about online motor insurance plans for your next commercial vehicle, click 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.

In this hustling world, everyone wants to save the most valuable aspect of their life – time. Finding out time for household chores feels like an impossible task in the middle of your tight schedule.

But, many gadgets and appliances have made the way to clear the chaos and get things convenient for you. From the start of our day until we retire, we encounter several devices that work as our assistants and eliminate the worries of most household tasks.

Below you will learn some of these intelligent home appliances that make your life easier.

1. Speakers with AI and Bluetooth – technology reimagined:
Apart from listening to songs, we can use smart speakers to remind every major-minor event or daily tasks such as paying the bills, recharging your internet pack, weather forecasting, news, and what not. The exciting feature is that it also operates by voice recognition feature. You may even integrate your smart speakers with your other smart home devices to enjoy a fully customizable and command-driven home environment.

2. WIFI/portable routers – make smarter connections:
The Internet has become new oxygen for the globe. Constant evolution in the WIFI system like portable routers and mesh WIFI systems are trending and valuable for the smart home network that connects all your smart devices.

3. Smartwatches – the world around your wrist:
Smartwatches are a great invention that looks classy and way more productive than just showing time. Get all the notifications and regular updates without touching your mobile. Additionally, it's the best investment for health by keeping your active schedule with your walks, work-out, and counting calories burnt.

4. Innovative kitchen appliances – cooking made fun:
Smart refrigerators, dishwashers, microwaves can be paired with your smartphones through helpful apps and make the cooking experience more enjoyable than we could ever imagine. These appliances would do the task in minutes which you finish in hours with your bare hands.

5. Laundry appliances – happy clothes, happy wardrobe:
Fully automatic washing machines with timers, clothes dryers are the appliances that have become popular and essential in the last decade. They are an excellent example of time-saving and doing your laundry easier and faster.

6. Living room appliances – feel like the 'modern king':
It is where we tend to spend more time with our guests and visitors. You can easily interact and schedule the smart lights, automatic blinds, Smart TV and sound system and turn your living room more automated to your requirements.

7. Smart doorbell/locks – safety redefined:
Safety is the biggest concern for homeowners. Using an intelligent doorbell system, remote control of door locks, and security cameras will bring a good change in your life by making you feel secure. Also, the house insurance premium goes down when you add a layer of security to your home. This way, you guarantee yourself a peaceful sleep at night and the shield of double protection from unfortunate incidents like burglary for your home.

You can make your home a lot more automated by using these intelligent electronic appliances and gadgets. Imagine cooking in your microwaves from anywhere with your smartphone and receiving alerts when the food is ready.

The constant upgrades and new appliances make way to your home and give you the upper hand to manage the daily household work. Some of these items are expensive devices to install in your house. A suitable house insurance plan can provides you compensation for the damages caused due to fire, theft, or man-made hazards or any vandalism. Get house insurance for the financial security of your insured belongings and enjoy your life with the golden-age technology appliances.

Are you looking for a best home insurance in India for your new home? Click 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.

Having your furry friend accompanying you as a travel partner can be an exciting experience. When you have good company, the journey appears to be insightful. No trip is complete without the favourite member of the house! So, if you're planning a vacation, let your cute friend know that he's coming too.

People might think it's hard to travel with pets considering they might litter around or cause trouble for others. But, in reality, travelling with your furry friends can be one of the best travel experiences ever. With just a few tips and precautions, you can go on adventures with your pet and take your bond to greater heights.

We are here to offer you the top five essentials to make travelling fun with your pet.

1. Visit your vet before leaving:
Always consult your vet before leaving for the trip, especially if it is your pet's first long journey. Your pets might need some extra vaccination or require a health certificate for the travel. Check all the documentation from your vet mentioning your pet's proper health before starting a trip.

2. Practice can make your pet perfect:
A long-distance car ride for the first time can get them nervous. So it's better to take some shorter drives before the main trip to see if they are comfortable for long-distance. As they get used to the travel conditions, they start enjoying the little things. Try some commands and tricks to calm them in new public places and to avoid any mishaps with strangers.

3. Travel pack for your pet:
As you wish to have all the best things with you while travelling, so does your pet. Carry your pet's favourite toys and treats. This will make them the happiest even when they aren't able to do much while travelling. Pack ample food and water that will last the whole trip. Also, add a separate first aid kit for them. Be a responsible guardian and take the best care of your pet; you will find that it'll keep you entertained throughout your vacation.

4. Time for stretches and play:
All pets are hyperactive, and they can't sit still in one place for a long period. Stop at every 3-4 hours for them to stretch out and go for a bit of run. This will place their energy in the right direction, and they won't be jumping all over and creating chaos during the drive. They would love to have these sessions in between, making them bear long travel runs.

5. Maintain a pet-friendly environment:
Having an environment they can enjoy and be comfortable with is the most important thing for long journeys. While planning, choose hotels and restaurants that are pet-friendly to have the opportunity to socialize with others. As the most pet-friendly hotels get booked in advance, always have a prior reservation for your stay. While in the car, don't drive too fast as they quickly go through motion sickness.

All these tips will help you make your journey so much more fun and exciting for your pet. Along with that, keep a check on other minor details such as carrying pet seat belts, a first aid kit, and your pet's medical documents.

While you have to be a little extra careful about the well-being of your furry friend, ensure you have already guarded yourself against other travel-related worries like theft or damage to your baggage or a medical emergency during the journey. To deal with these unfortunate incidents, a general insurance company can be of great help. Magma HDI General Insurance company covers the losses amidst your travel plan so that you focus on playing and making memories with your pet.

Click HERE to know more about general insurances available.

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.

Multiple studies claim that the paint of your home plays a significant impact on your mood. When your eyes connect with various shades, your brain automatically releases different chemicals that enhance your mood.

Colour therapy plays a vital role in the healing process by making you more expressive and lively. For example, if your walls have dull tones, you will likely feel lazy, sleepy, or tired. Similarly, bright shades bring a freshness that cheers you up by making you feel energetic.

This blog will list how different colours used in your home can impact you and make your home feel alive.

1. Red for high energy and power:
Red signifies power and energy within you. Although a dark red would look awful on your wall, a lighter shade can signal courage, strength and promote alertness.

2. Lilac for calmness and relaxation:
Painting your room with a lilac shade will help you feel calm and relaxed. Imagine waking up with a feeling of peace and positive vibes surrounding you. It will mark the start of perfect daily mornings. That’s the power of Lilac!

3. Light green for positive energy:
Light green depicts the shade of nature and symbolizes peace, balance, refreshment, and reduces stress levels. Shades of green can go a long way to help you feel relaxed and stress-free.

4. Pink for happiness:
Pink is highly recommended for bringing a feeling of happiness and joy. You can paint your room pink, indicating the positive energy around. However, pink carries a misconception that it belongs to girls. But that’s not entirely true. Pink is a vibrant colour and has shades that are considered gender-neutral.

5. Cheer up your mood with yellow:
Yellow is widely known for its cheerfulness, simplicity, and elegance. Even though yellow may not be an ideal choice for many people, you can use it to paint your cabinets and other furniture attachments in the kitchen to add a bit of spring. Now imagine waking up to make your coffee and feeling enchanting around!

6. Violet for increasing artistic ability:
Violet stimulates our brain’s problem-solving capacity and promotes artistic ability. Both teenagers and adults prefer violet for its calming, creative promotion, and deep feeling. However, note that overusing a colour may result in suppressing emotions and feeling insecure. So when choosing violet, ensure limiting the quantity.

7. Blue for rest:
The colour of the sea and sky promotes a feeling of renewal. Curling up in your bed with a beautiful blue shade around your room can help in eliminating insomnia and induce deep sleep. Blue is usually known as “cool colour”, making you feel rejoiced and relieved.

8. Warmth of orange:
Orange promotes joyfulness, cheerfulness and invokes feeling emotionally intense. For relationship building and encouraging interaction, orange can be a perfect fit for your bedroom.

Wrapping Up!
“Colour is a power which directly influences the soul” – this insightful quote of Wassily Kandinsky depicts how different colours reflect on our day-to-day life. Happy, calm, cheerful, or motivated? You’ve got a handful of options of the colour pallet to select for your home.

While the colour of your home can affect your mood, it is essential to coordinate other aspects too. Along with appearance, it is also essential to cater to the security of your home. The gleam of beautiful walls and attractive ambience can be an open invitation to the thieves. So instead of worrying, relax and get a shade of home insurance for your home to make it secure.

Click HERE to know more about the home insurance plans that best fit your requirements.

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

Problems come uninvited, so do thieves. While modern technology makes it safer than before, no homes can be declared as "burglar-proof". The skills of burglars are advancing too with time. So, to avoid clever thieves from attacking your house and stealing valuables, you need to take considerable precautions. Below are the twenty-one tips to prevent burglary at your home so that you feel guarded.

1. Get a pet dog to guard your home: Most common and convenient option is to get a pet and train it to safeguard your home. Believe it or not, most thieves are badly scared of dogs!

2. Keep your spare keys in a place known only to you: Unlike old times, you cannot keep your spare key under a flowerpot or doormat. Unsurprisingly, invaders are aware of this trick. So, it is advisable to keep your keys at some safe place, or you can hand them over to your trustworthy neighbours till you return home.

3. Keep your car keys accessible to you: At the time of intrusion, you can make them scared by pressing the car alarm with your keys.

4. Always use the peephole before opening the door: Use the peephole to see who's outside, confirm the unknown person's identity, and then only open the door.

5. Draw curtains and blinds: Surely you won't like to give some stranger an option of window shopping to your home. To ensure privacy inside your house, make a habit of drawing curtains and blinds.

6. Be a friendly neighbour: A neighbourhood watch is one of the best ways to protect your home. Protect their home when they are not around and request them the same when you are away for a long period.

7. Install security cameras for surveillance: Make this one-time investment in installing CCTV outside your home premises. No invader will break in quickly.

8. Keep your valuables safe: Considering the worst case, even if the intruder breaks into your house, make sure that your valuables, essential documents, and ornaments are in a fireproof and password-protected safe or locker.

9. Hide expensive items: Don't keep your expensive items like jewellery, watches etc., at bay where everyone can see them. It's easier for visitors and strangers to scan through while you open the door for them.

10. Install a video doorbell camera: It is a modern-day alternative to the peephole, providing a better and broader view and a clear channel for communication.

11. Keep multiple layers of defence: Using a single door is not safe. Keeping fences, external gates on the entrance further prevent invaders.

12. Shift your door hinges: Doors having hinges outside are highly vulnerable. Anyone can break in with simple tools. So, make sure hinges are inside the home.

13. Shine a light of security: Having a light outside the home and keeping the gate well-lit makes burglary less possible. Burglars usually try to avoid attacking homes that have lights on!

14. Keep the external switches and wires covered: The invaders will likely break in after cutting the cables and CCTV camera connections. So, ensure that all the cables are covered safely and not visible to intruders.

15. Timely update and upgrade doors and locks: Old doors and locks are easily breakable and cannot provide durability. Update your locks and doors from time to time.

16. Use multiple locks: Like multiple doors, use multiple locks for additional protection.

17. Secure the windows: The window is a familiar and most found intruding means by which burglars break-in. Make it safer by using good quality windowpanes, glasses, and handle locks.

18. Declutter your door: When you are not at home, ask your neighbours or inform some friend to empty your garbage bin, collect your daily newspapers or any parcels and packages dropped at your doorstep.

19. Keep security signboards: 'This property/home is under the surveillance of CCTV.' Such signboards will easily break the will of an intruder, preventing them from entering your house.

20. Don't overshare or overexpose: Make wise use of social media. And don't overshare your personal information, things about the home, or any upcoming events and trips too. It might risk your home and privacy in the first place.

21. Get a home insurance plan: A good house insurance India plan guards your house against losses in case of a burglary. Your insurance company will reimburse the value of the lost items.

Phew! Many of the above tips will save your home from burglary and make it secure inside out in your day-to-day life. The future of safe homes lies in home automation or smart homes. If you have a reasonable budget, you can also opt for such options. However, thinking of additional protection for a home is not a wrong thought. So, always invest in home insurance that provides you additional protection.

Click HERE to get the best home insurance India for your home.

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 undoubtedly a key driver for the economic growth of a country. Fuelled by the revolution in internet connectivity, it has evolved over the years and made many advancements. As a result, it plays a significant role in improving people's lives in every field, including the transport industry. Truck drivers encounter multiple issues in their day-to-day life, but the latest introduction of technology in truck drivers' lives has made things smoother for them. In this post, we share how technology is making the life of truck drivers easy on the wheels.

1. ELDs – Electronic Logbook Devices:
Truck drivers are required to manually fill forms or papers to enter the number of hours they drive. To avoid this hassle, ELDs are attached to the engine, which automatically calculates the number of driving hours. Besides, ELDs also assist in helping the truck driver with fuel consumption by the truck. Another perk of these devices is that it monitors the driving route and thus helps the truck driver's safety. Furthermore, if truck drivers encounter accidents, ELDs play a crucial role in proving the evidence.

2. Load boards:
Load boards are another vital tool used to find new shippers who need to haul their loads. This is widely used by truck drivers, owners, freight brokers, and more. You can go to load board sites and enter all the necessary information, including types of loads you can haul, weight allowance, and currently available destinations. Once you fill up all this information, shippers can contact you.

3. GPS systems for truck drivers:
GPS units are a standard device that assists truck drivers to reach their destination quickly with the shortest route. It avoids unnecessary travelling for them and results in efficient delivery. In case of traffic jams and bad weather conditions, the drivers can avoid those routes and save fuel and time.

4. Best use of smartphones:
Smartphones are excellent technology examples that are helpful for truck drivers. Through smartphones, truck drivers can communicate seamlessly and share their exact locations. This is also crucial for knowing how long the truck driver will take to reach their destination. Additionally, you can use smartphones to check out the nearest gas stations, accommodations, and more. During the breaks, truck drivers can use their phones for entertainment, such as listening to their favourite music or watching shows and movies.

5. Hands-free communication:
Voice assistant devices and other hands-free communication devices serve great purposes for truck drivers. Using hands-free communication devices ensures their eyes are on the road while informing people about their route. Since we all are aware of the consequences of holding a phone while driving, truck drivers can use hands-free communication devices and stay in contact with the dispatcher. This is also essential when the driver is confused about the exact route and needs guidance.

It is no surprise that technology innovation is pushing the limits and changing how the transport business functions and improving life on highways. However, as the industry evolves and expands, it also requires safe cover for efficient operation through motor insurance. Good motor insurance addresses the worry of mishaps on the road and puts you away from unwanted risks. Thanks to the technology, you can have online motor insurance renewal even on the move from your smartphone. So, use the technology advancement to your advantage and remain ahead in the business!

To know more about motor insurance, click 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.

Home insurance is one of the most common insurance that people buy, but most of the buyers do not know about the complete limitations and benefits of such insurance policies. There are certain myths related to home insurance policies that are still prevailing in people’s minds. You can find a person buying the best home insurance in India, but he/she will be under the myth that the insurance policy does not cover this or that. People need to properly read the offer and scheme related documents before they are deciding on buying any particular policy. Some of the myths that have been there in people’s minds for long periods have been debunked here: -

1 If the damage to the home is severe enough that it is beyond repair and you cannot live in it while it is being repaired or renovated, the insurance company will put you up in a hotel or a serviced apartment temporarily while the work is being done. This is true for some insurance plans but not all insurance plans and if loss-of-use is there, it will be clearly stated in the policy. People should not be under the myth that Loss-of-use is present in all policies else they will have to bear a huge financial burden of paying the hotel fees as well.

2.Many people believe that their belongings lost in the fire will be replaced with new ones if they have a policy. However, most of the policies do not have this clause. Instead, the losses are calculated by what the items were worth before they were lost in the fire. A four-year-old computer that you bought for Rs. 50,000 may be worth only Rs. 13,000 before the calamity and the insurance company will calculate the loss by counting the price of the computer as Rs. 13,000 and not the original price of Rs. 50,000.

3.Even the plan which may be the best home insurance in India may omit coverage against flood. Floods can occur due to several reasons, such as a storm, hurricane, ruptured pipes or drainage stoppages, or ruptured sewer backup but most of the times flood is not included in the policy. If you live in a flood-prone area, there are special flood policy packages offered by selected firms but in general, it is not included in a home insurance policy.

4.People generally believe that low premium means low insurance coverage, but this is not true. You can lower your premium in many ways without reducing your coverage if you take safety precautions of your own to protect your house. If you have security devices such as fire alarms or burglar alarms installed at your house, you can tell that to the insurance provider, and your premium can be lowered.

After the fire tragedy, some items are destroyed or damaged to such an extent that for the insurer, it could be challenging to identify for assigning the claim. So, as a responsible party, you ought to click as many pictures and shoot videos as possible of the damaged, smoked rooms to show the physical evidence of the actual damage before it gets wiped by a restoration company.

5.This is a myth that you need to be a homeowner to buy home insurance. You can very well buy home insurance for your belongings and contents of the house without being a homeowner. A tenant can purchase home insurance for his belongings and in case the tenant shifts; the policy can be approved for a change of address as well. Not only this, but the homeowner can also get home insurance for the structure of the rented accommodation or the house in which there are tenants living.

While buying even the best home insurance in India, you need to be careful and read all the documents for the policy carefully to understand what all things are included in the insurance and what all things are not included in the insurance. Different policies are accommodating different perils and you must choose the one that fits your requirements the best.

A fire can start anywhere and you will be surprised to know that you may have as little as two minutes to escape from such fires to safety. Early warning signs and proper steps taken once the fire has been detected can save your life as well as others. Most of the home fires that occur are preventable and you should follow certain fire safety tips to protect yourself as well as your family from fire hazards.

Buying home fire insurance is the first step towards protecting your house from an unforeseen fire hazard that may destroy your complete property. But along with this, you need to know some safety tips to protect yourself if and when there is a fire outbreak in your home or office or any other such building.

• Smoke alarms are the basic detectors that must be installed within the building so that you are immediately aware of if there is some fire in your house. Such fire alarms can be installed in your living room and all of the bedrooms. Installing fire alarms does not finish your job and you need to take care if they are working properly by regular checks. You may even need to replace their batteries periodically.
• Have a fire escape plan ready and your whole family should be aware of what to do to escape from the house in case of a fire outbreak.
• In case there is a fire in your home, try to escape as quickly as possible and do not go back to your house to gather any belongings. If your house is insured under home fire insurance, you will get everything back.
• If you live in an apartment, get to know all the escape routes and as soon as there is a fire outbreak, pull the fire alarm so that everyone else is aware of a fire in the apartment.
• In case there is a fire in your home, lie down close to the floor because smoke tends to rise higher. You can save your breath this way and can be safe inside the room for a longer period until help arrives.
• If you are locked inside in case of a fire, try to block all paths of the smoke entrance to your area. You can get any clothing material and place it at the entry point of smoke which is generally the bottom of doors. The wet cloth will prevent smoke from reaching your area and you will be able to survive for a longer period until help comes.
• All the inflammable materials in your home should be handled carefully and must be put in a safe place. In case there is a fire outbreak, try to keep flammable materials out of the reach of the fire, otherwise, they may cause an explosion risking everyone’s lives.
• In case you use fireplaces inside your home to warm the house in winters, install a fire safety gate around the fireplace.
• Fire extinguishers are a must at office places, but there must be fire extinguishers at your home also. Everyone in your family should be trained enough to use the fire extinguisher in case the need arrives.
• In case your clothes catch fire, do not run because running won’t douse the flames, instead, it will only help the flame. Lie down and roll on the ground and the flames must be smothered by a heavy blanket or rug.

All these tips can come in handy whenever there is a fire outbreak in your home or your office. You must follow these tips, but you must never forget to call the fire department to let the professionals handle the fire hazard.

Owning a home is generally seen as a sign of adulthood and financial responsibility. Buying a home is a huge step and a very big commitment and requires a lot of work on your part. You need to be aware of all the different things and steps involved with everything to fully comprehend what all things need to be taken care of before you buy a home such as EMI payments, property tax payments,best home insurance policies in India and several others. Many people rush into buying homes which is never a good idea because if you are not careful while buying a home, there is a probability that you may be making a bad investment.

When buying a home, you need to be sure that you can sustain the financial burden and it won’t mess up your financial stability and for that, you need to understand the various aspects of homeownership. You can consider this as a guide which will help you in making a correct decision that will be beneficial for you in the long run as a good investment. Going step-by-step, you need to ponder over carefully on all these things: -

• The need to buy the property - Many people decide to buy a home just because they want to prove to the world that they have attained adulthood and they can own a home. The decision to buy a home should not be made so precariously and proper thought must be given to whether you need to buy a property and how will it affect your financial stability in terms of mortgages.
• Shortlisting the Property - Once you have properly assessed your requirements for a property, you need to now ponder upon what kind of home would you like to live in. Shortlisting can also be done based on whether you want to move in immediately or you want to construct the house according to your preferences. Ready to move in property generally require enough finances for paying cash up-front to buy them but for a house under construction, you can take bank loans while paying less cash up-front. The property should also be shortlisted based on what kind of location you want to live in.
• Understand the tax implications - Everyone wants to reduce their taxes, and for this, you need to understand what kinds of taxes you have to pay and how can that tax be reduced smartly. You can save capital gain tax on residential properties but not on commercial properties.
• The Legal Perspective - Once you have decided on buying a property, take care of all the legal things that need to be done so that the property is registered under your name or someone in your family. All the documents should be clear, and you should be comprehensive with regards to all the paperwork for the property to avoid any issues in the future.
• Manage Finances - You need to have a stable financial system so that you do not face any difficulty in your daily life after deciding to buy a new property. You can also avail home loans from banks to finance the new property by paying less cash upfront to the developer of the property. Your home loan eligibility and the amount for which your home loan is sanctioned depends on your ability to repay the loan, i.e. indirectly your salary..

Home buying is generally categorized into three different stages which are the Pre-purchase stage, financial handling stage and the Post-purchase stage. You need to be properly involved in all of these stages and understand each and everything so that you do not face any legal problems in future.

Make sure that all documents are complete and if you rent out your property, have proper rent agreement papers made. Buying a home also means you need to have home insurance, and you can buy some of the best home insurance policies in India from different insurance providers at attractive premium rates. Compare the policies properly and buy the one that suits your requirements the best.

While driving on the Indian roads, the possibility of an accident can never be ruled out. Whether due to a momentary lapse on your part or due to oversight on the part of someone else, accidents can take place anytime and anywhere. But the damages/losses incurred due to it can be mitigated with the help of personal accident insurance in India.

What is Personal Accident Insurance

Personal accident insurance is offered in combination with Third-party policy. Insurance companies charge a nominal fee for offering this coverage. Under this policy, you will be reimbursed by the insurance company for injuries suffered while driving your vehicle.

Is it mandatory to get personal accident insurance in India?

As per the latest insurance regulations introduced by the government, it is mandatory to get personal accident insurance in India for a vehicle owner. The current regulations by IRDAI state that the car owners, as well as bike owners, will now get a mandatory personal accident cover of Rs. 15 Lacs as per their motor insurance policies. Previously, this cover was capped at Rs. 2 Lacs for car owners and Rs. 1 Lac for two-wheeler owners against a premium of Rs. 100 and Rs. 50 respectively.

Now the premium has been increased to Rs. 750 for a cover of Rs 15 Lacs. This premium is payable over and above the mandatory third party insurance cover. If the insured person wants a higher cover, then the same can be availed by paying a higher premium, which is to be decided by the insurance company. The coverage of the policy extends to the owners of the vehicle as well as the drivers of the vehicle, provided the availability of a valid driving license.

This improvement in the personal accident insurance in India was introduced after a judgement by the Madras High Court in the year 2017. While passing the judgement, the court noted that enhancing the personal accident cover will act as some kind of solace to the victim as well as survivors of the accident.

Though there are some exceptions applicable wherein the owner can opt-out of this mandatory personal accident cover i.e.

• If the vehicle owner already has a valid personal accident cover policy with a sum insured of more than Rs. 15 Lacs.
• If the owner already has a motor insurance policy with a compulsory personal accident cover with a sum insured of more than Rs. 15 Lacs for another vehicle owned by him/her.
• If the vehicle owner already has a separate compulsory personal accident policy.

Benefits of Personal Accident Insurance

Some of the standout benefits of subscribing to personal accident insurance in India have been listed here: -

• The policy covers in the case of the unfortunate death of the insured. The nominee is entitled to the entire sum.
• The cover is even provided for total permanent disability, permanent total disability, permanent partial disability and temporary total disablement.
• Some policies even cover hospitalization due to an accident and the cost of transportation for mortal remains in case of death.
• The dismemberment of any kind is also covered in some policies. Certain companies have also given said ratio and benefits for certain kinds of injuries that will then be paid to the policyholders
• Very few companies also provide optional coverage in case of burns. This can also be considered before personal accident insurance is taken into action.
• The treatment for the burns is also covered by some insurance companies.

With such extensive benefits on offer, availing personal accident insurance in India is a necessity for the vehicle owners.

Climate change is the shift in the temperature and weather patterns over a long period. It affects the entire planet by causing abnormally cold conditions in some parts of the earth, while some areas witness extreme heatwave conditions. Some regions are experiencing long dry spells, while others are experiencing devastating floods.

Human activities are primarily responsible for the rapid climate change across the planet. Excessive burning of fossil fuels like oil and gas and irresponsible exploitation of natural resources result in climate change. If you wish to buy home insurance online India to deal with damages due to untimely incidents, here’s how this may directly impact you.

1. Increase in premium:
Some regions of the planet are witnessing a higher impact of climate change and increased natural disasters such as floods, wildfires, deep freeze, rise in sea level, etc., than others. Home insurance premiums have shot up at an alarming rate in such regions. It is becoming very costly for homeowners to buy home insurance online India policy in such areas.
This is logical as the risk of insuring houses in these places and the number of claims is rising. Hence, it is becoming financially unsustainable for insurers to provide insurance services at the prevailing rates. Home insurance premiums have increased by around 10%-12% on an annual basis. This rate varies and is even higher for houses in heavy disaster-prone areas.

2. Rise in the number of inhabitants:
Disaster-prone areas offer inexpensive land, which increases their demand. This results in the increasing population and limited availability of land in disaster-prone areas. However, houses in areas prone to flooding or nearby forests always have a higher risk.
Houses near a forest always pose a higher chance of starting a wildfire by accident. More house inhabitants mean more damage during severe flooding or other natural disasters. These factors influence home insurance policies, their terms and conditions, and premium in areas vulnerable to natural disasters.

3. Difficulty in getting home insurance:
Residents in regions that are witnessing disasters due to climate change are finding it difficult to get their homes insured easily. The probability of damage to their houses is very high because of the topography of their area. For example, rising sea levels due to climate change threaten the existence of dwellings close to the sea shores. Several cities in the world face the risk of extinction by submerging in seawater due to rising sea levels.
Insurers are not interested in insuring houses in such high-risk areas. This makes it difficult for people to get their homes insured, even after shelling out high premiums, which are often unaffordable for the middle & low-income strata. This increases the risk of complete financial ruin in the event of a natural disaster.

Abrupt climate change is catastrophic. It can cause extreme heat or cold conditions, floods and droughts, hurricanes, and tornadoes. Moreover, it can also result in biodiversity loss. Although climate change is inevitable, we can control the pace with which it changes. With the risk of abrupt climate change looming on our heads, the wisest decision in these times is to buy home insurance online India. Opt for comprehensive coverage against damages to the home structure and contents, loss due to short circuits, fire, floods, etc.

Click HERE to buy home 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.

A home is so much more than just a shelter. It is where you create memories, watch your family thrive, and compound your wealth. Considering the constantly increasing prices of homes, buying one is a dream that not many accomplish easily. Recognising the monetary and perceived value associated with the asset, it becomes essential to protect your home and personal belongings from unforeseen circumstances like burglary and vandalism by buying home insurance India.

While home insurance India is a periodic investment that satisfies your safety requirements for a specified tenure, the interiors of your house do not fall into the same category. With changing trends, tastes, and preferences, it is inevitable to wish to renovate and alter the aesthetic appeal of your home. However, you may not have the finances to avail the services of professional designers to bring your vision to reality and design your ideal space.

In such a case, fret not! Here are some inexpensive and easy DIY tasks you can take on the weekends to give your home a new look!

1. Entryway systemiser:
The area that greets a visitor upon opening the main door is the easiest way to build a great impression and set the tone for the decor used in the rest of the house. While you may customise it as per your tastes, it is essential to keep it organised to give your home a put-together look. Revamp your entryway with a compact organiser that stores all your keys, sunglasses, and bags. While you may purchase separate hooks, boxes, or frames for this area, consider arranging existing sturdy holders to create a sustainable assorted organiser.

2. Foyer frames:
The room that the entryway leads into, often known as the hall or living room, is the most used space in all houses. It is also the best place to display valuable memories such as photographs, achievements, and sample works of your hobbies and interests. The possibilities for this idea are endless, ranging from minimalistic matching frames to vibrant and funky options in different sizes and shapes.

3. Create an accent:
Often, homeowners feel the need to refresh their homes to complete renovations. However, if you wish to see immediate results and are working on a tight budget or with limited time, an accent wall or furniture may be your ideal solution. Identify a complementary colour to the current colour palette of your home’s interiors and consider options ranging from artwork, accessories, upholstery, furniture, or a wall.

4. Refresh your accessories:
Sometimes, small changes go a long way in creating the desired results. Consider changing minute details in a themed manner to achieve a cohesive effect. This may be by changing your lights to similar-toned ones to set the mood or switching your furniture’s hardware.

5. Switch things up with contact paper:
Contact paper is your rescue if you’re looking for a quick fix to alter your furnishing and flat surfaces’ visual appeal. You can achieve this without fundamentally altering their surface by using contact papers. These decorative materials come in several trending prints and are available in the length you require per your project’s needs.
Simply peel away the backing and stick it to the desired surface. It makes changing the look of your home effortless since it is easy to remove and reuse, making it perfect for renters who wish to personalise their rented homes without going against the rules laid by the homeowner.

When facing time and budget constraints, hanging lights and getting plants are only some of the makeover options available. With creativity and consideration of functionality, you can efficiently use your time, resources, and space to create beautiful additions to your home’s appeal. As you invest your time and energy in home renovation projects, we encourage you to consider purchasing home insurance India, which is an investment in securing your home from external contingencies and protecting your finances.

Click HERE to buy 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.

Buying a home is a dream for most Indians. Considering the ever-increasing inflation, sky-rocketing real estate prices and constantly changing economic conditions, it requires extensive planning and budgeting. After putting in such efforts, a home becomes more than just a roof over one’s head- it is an investment, a sign of wealth, and probably the most important asset of your net worth.

Protecting an asset on which you have spent a fortune is essential. Buying the best home insurance policy in India is important to secure your home from multiple mishaps. While the best home insurance policy in India may offer you broad coverage from several risks, is the increasing threat of malicious mischief and vandalism included?

Read on to learn all about the specific coverage under home insurance.

What are acts of malicious mischief and vandalism?

To understand what the best home insurance policy in India covers, we must understand the meaning of the terms malicious mischief and vandalism.

Malicious mischief refers to the acts of destruction with the intent to damage or destroy property. It is usually acted out as a sign of resentment towards the property owner. Criminal mischief is recognised as a legal offence as per the Indian Penal Code, which prescribes an imprisonment term of 3 months, or fine, or both for perpetrators.

Vandalism is commonly used to describe the destruction of property without malicious intent targeting the owner. It is often seen as a mindless activity done to achieve the satisfaction of destruction rather than being fueled by ill intent. Vandalism is a punishable offence in India.

The need for malicious mischief and vandalism insurance.

While the terms may seem unfamiliar, malicious mischief and vandalism are rampant in the country. Irrespective of intent, such acts result in minor to massive losses for the property owner, depending on the scale.

In such situations, the prudent purchase of the best home insurance policy in India covering such acts pays off. Since one cannot immediately pinpoint the instigators of such acts of destruction, legal cases don't suffice as an instant relief. By comparing alternatives and purchasing the best home insurance policy in India, you can ensure the immediate raising of a claim and quick settlement of financial losses arising from vandalism and malicious mischief.

Exclusions from vandalism and malicious mischief:

1. If your property has been vacant for over 60 days consecutively, you cannot raise a claim even as a victim of vandalism or malicious mischief.

2. Suppose multiple people are listed as home insurance policyholders. If one of them intentionally indulges in destructive acts to damage the property, the other policyholders cannot raise a successful claim against the perpetrator.

General inclusions under vandalism insurance.

When comparing home insurance policies offered by multiple insurers to find the best home insurance policy in India, you may notice that each insurer offers a varying reimbursement limit and the extent of property covered under the policy. While minute details can differ, most vandalism and malicious mischief covers extend to the following.

1. Fixed structures:
The most apparent inclusions are the fixed structures on your property. This includes the house or flat's external frame, additional safety door, and exterior add-ons like mailboxes or shoe racks.

2. Personal property:
The best home insurance policy in India offers coverage for all your home appliances, furniture and fittings. Refrain from raising a claim for the destruction of commercial holdings since they are not covered by such plans.

In the backdrop of uncertainties, it is always ideal to have a security net that protects homeowners from the risk of vandalism and malicious mischief. If you are considering purchasing a house, ensure that you do due research to identify the best home insurance policy in India to safeguard your home and your finances!

Click HERE to invest in the best home 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.

Detecting faults in your home's electric circuit can be simple if you know exactly where the fault is or which appliance has malfunctioned. Proper knowledge is the prerequisite to easily detecting faults in the home electrical circuit. It can be in any room, hallway, verandah, bathroom, bedroom, or kitchen.

The power supply may get disrupted in the entire house or only some portion of it. Safety is paramount when it comes to detecting faults in electric circuits. Even a small mistake can cause loss of life and massive property damage.

Are you someone trying to detect electrical faults for the first time? Let us understand how you can proceed with it conveniently.

1. Get the right gear:
The right equipment and tools are necessary before repairing a fault in your home's electric circuit. Get the right tools that ensure your safety while checking for the fault. Use a socket tester and voltage meter to check the running current.

2. Switch off the main power supply:
Make sure you switch off the main power supply of your house before trying to touch any open wire or faulty appliance. You can also remove the circuit fuse of the particular room or area where you plan the repair. Failure to do so can result in an electric shock.
If there was smoke or crackling noise from any wire or switchboard, wear rubber boots or slippers and rubber gloves before touching any wire or board. They will provide some electrical insulation if they are made of 100% pure rubber without any holes or tears.

3. Testing a faulty appliance:
If any of your appliances are not working, you should try to plug them into another socket to ensure it is working properly. If the appliance works there, you have a problem with the circuit of that particular room. If the appliance still does not work, it means that your house's electric circuit is okay and not at fault. You will have to get the appliance repaired from the electrician.

4. Checking the Fuse / MCB:
Our homes have fuses or MCBs (Miniature Circuit Breakers) for every room and separate portions of our house. To prevent overloading, there are separate MCBs for heavy appliances, such as an air-conditioner. When a circuit or appliance malfunctions, the fuse will break, or the MCB will trip automatically, which will shut down power to that circuit.
Whenever you face a power problem in any particular house area, you should first check the respective fuse/MCB. A faulty appliance can also result in tripping off an MCB or blowing a fuse. You can repair the fuse by fixing the live wire if the fuse is blown. If the MCB is down, you should switch it on again and check for the fault in that particular room or appliance. If the problem is still there, the MCB will trip or shut off again. In such instances, you should call a qualified electrician rather than fixing it yourself.

5. Faulty power line:
If all the MCBs are also fine and there is still no power in your entire house, the problem can be bigger from the main line or the transformer. Please do not try to rectify faults from the main line because of the high voltage running through them. Call a qualified technician who is capable of repairing such faults.

You do not have to run for a qualified technician whenever you have a minor electrical fault at your house. You can also detect and repair the fault if it is not that severe and manageable. However, you should be careful while checking or repairing faults in your home electric circuits.

Faulty electric circuits and malfunctions can result in fire and heavy loss at your house. Fret not! Home insurance provides you with safety and security from any such unfortunate events. It covers the house structure and its contents and assists in rebuilding the damaged property. Get complete peace of mind by opting for a good home insurance policy.

Click HERE to purchase a comprehensive home insurance 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.

In recent times, technological advancements have been table-turners for corporates in the insurance industry. They aim to bring a noteworthy revolution to the conventional business management approach. The reorientation of the entire business using these futuristic technologies can be a great advantage in bridging the gap between service and convenience, which are major pain points for insurance providers.

Talking about the insurance sector, "efficient customer handling" is the need of the hour that demands the maximum technological support. If you think on a broader level, customer handling encompasses every aspect of the service provided by the insurers.

Customers are seeking higher expectations from their insurance providers to enjoy services conveniently. Insurance companies have been analysing and implementing every strategy placing customers as their top priority. With automation establishing itself diversely in every field, insurance industries are now ready to upgrade their business model to consolidate their position in the market and be more liable to their customers.

Moving into 2023, the insurance world will be riding this wave of technological advancement. It will be interesting to watch how technology-aided services help the insurance sector build a solid customer-centric approach.

Automation: Where imagination shapes into reality!

Who had imagined that getting tasks done automatically would be a practical thing? The introduction of automation is significantly impacting behind-the-scenes operations, making them more hassle-free. The involvement of automation technologies is a boon to the insurance industry that works as the brain behind all data handling tasks and achieves all desired objectives.

Companies can now supervise various processes and real-time monitoring and delivery of the services with the help of automation. This allows the organisations to lower their servicing costs, keep an eye on the operations and maintain transparency, which helps ensure faith and trust in their employees and customers.

There is a lot of sensitive information shared by the customers during their interactions with the insurers, be it purchasing, renewing, claims, etc. And this information needs to be carefully stored and safeguarded to avoid any data breach.

The technology like blockchain will help companies keep track of customers' vital information and help consistently revamp the data, along with developing robust and resilient networks to mitigate the risks of cyber-attacks and identity theft.

What other aspects of insurance are influenced by incorporating technology-aided services?

Technology-aided services enable insurance companies to track customer demands and preferences, current industry trends, and product innovation. Adopting artificial intelligence and similar technologies will help analyse a pattern and eventually create more applicable and prevalent algorithms, transforming how an insurance company handles its customers and curates an unmatched customer experience.

These technologies will humanise the process, thus increasing productivity and providing better touchpoints for the customers to interact with. There will be efficient data storage and analysis, thus helping the professionals gain insights from past interactions and offer reliable solutions to all problems to keep up with the frequent change in consumer demands and buying patterns.

A new era of storage and computation:

The businesses are future-ready and opportunistic about the evolution of cloud technology and believe that it will advent the massive shift of insurance companies and their infrastructure. This switch of all the core systems to the cloud will make it significantly more accessible for the insurance sector to launch new products and services. Once this transformation to the cloud completes, the large data sets will be easier to analyse and draw patterns.

Cloud technology aims to create an entirely different ecosystem that balances customers' expectations and insurance companies' aspirations.

The services are being reshaped with the involvement of automation and other prominent technologies. This global adoption in the insurance sector will help reform the life, health, asset management, and other fields of customer handling. Technology is the backbone of the insurance framework, from instant applications to faster claims and customised purchases to hassle-free settlements. These smart services will be a massive bonus for the customers to interact with their insurers, mention their grievances, and provide their feedback.

With the global advent of technology-aided insurance services, you need to be proactive to keep up with the pace of advancement and the changes in the expectations of the customers. The world of insurance is observing a digital shift, and you need to welcome it to see what it offers.

Buying a car in India is seen as more than just a mode of convenient travel. It is seen as an investment and a status symbol too. In such pursuits, people spend way more on their vehicles than they should.

However, considering the income disparity, uncertainty of economic activity, and rising costs in the current scenario, purchasing such high-value assets without security is not feasible. This makes car insurance a necessity.

Despite the benefits of car insurance, there are several things a policyholder has to consider while going through the buying process. It is essential to remember the policy period and renew it before it lapses. Read on to learn all about a car insurance lapse.

What is a policy lapse?

Car insurance is an annual mandatory policy as per the Motor Vehicles Act 1988. The policy document needs to be renewed within the date mentioned, after which it becomes due and expires—failing to renew it before its expiry is called the lapse of a car insurance policy.

Need to prevent lapse.

A policyholder cannot claim damages incurred after the policy has lapsed since it is no longer valid. Such expenses have to be borne by the policyholder himself. Hence, to protect yourself from getting into such a situation, it is essential to renew your insurance before it lapses.

Effects of a lapse.

Apart from bearing the entire cost of damages by oneself, several other problems arise from allowing your car insurance to lapse, including:

1. Vehicles with lapsed insurance policies must undergo the inspection process, which is rather tedious and time-consuming.

2. After your policy lapses, the premium amount on your policy may be revised and will likely be greater than the amount you were previously paying.

3. Fines and penalties are often inescapable while renewing a lapsed motor insurance policy.

4. If you are found to be driving a car without valid insurance, you may have to shell out a fine of up to INR 2000 as per the present rules in case of your first offence. For repeat offenders, the penalty amount increases, and you may be imprisoned for up to 3 months.

5. Since your insurance is no longer valid, you lose out on the accumulated amount of the No Claim Bonus.

Renewing car insurance after lapse.

Depending on the duration after the lapse, you can proceed with the steps stated below:

1. Within the grace period: Insurance companies usually offer a grace period of up to 90 days post-lapse. If you renew your policy within this period, you may avoid paying additional fees altogether or only have to pay a nominal amount.

2. Post-grace period lapse: If the grace period window has passed, immediately contact your insurer. While some may still allow renewal, be prepared to purchase a new policy if your insurer rejects your request to renew the policy.

3. Post-permanent lapse: If it has been a long while since the expiry of the policy, including the grace period, purchasing a new car insurance policy is the only route remaining. It is inevitable to undergo a car inspection for this process. Ensure you keep track of the policy duration and expiry to prevent making the same error again.

Keeping track of minute details can be challenging amid hectic schedules. Therefore, insurers do their part by sending electronic notifications through texts or emails to alert you about the upcoming renewal of your car insurance. While it is an aid you can benefit from, it is ideal to set self-reminders or set up automatic payments with your bank to stay on top of all things related to car insurance.

Using effective self-reminding mechanisms makes avoiding the consequences of a car insurance lapse easy. Ensure that you compare policies and keep track of periods each time you renew your policy.

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 joy of having a companion is truly unparalleled. While some are fortunate to have multiple family members, some adopt pets to count on as their extended family and sail through life's journey together. However, irrespective of the type of pet, it is a significant decision that requires tremendous planning, which comes with several responsibilities.

You must think carefully before getting a pet to ensure that you can provide an appropriate home environment which is safe and happy for it. Having a house insurance India provides personal belongings cover to keep your home safe from the shenanigans of your beloved pet.

Additionally, consider the following tips to pet-proof your home while making it a haven for your furry friend!

1. Inspect your flooring:
Carpets are a standard accessory in most households but and are an easy way to sweep things under the rug. However, for this very reason, they may be a terrible addition to homes with pets. They accumulate bacteria and pet hair, making the house dirty and a breeding ground for diseases. Hardwood floors or non-white tiles are alternatives that can keep your home looking clean and prevent the build-up of dander and fur.

2. Keep fragile items and antiques away:
Adopting a pet may seem like an activity with only fun involved until you see the sacrifices and additional effort required. Before you get your pet home, ensure that you stash away all your fragile and high-value items for the long term in high locations. This way, you can prevent the possibility of damages that are bound to happen as your restless pet explores its new surroundings.

3. Secure all electrical outlets:
Think of getting a pet as the same as welcoming a baby home. You must go through all the motions of baby-proofing the home to keep your bundle of joy- in this case, your pet, safe. Ensure all electrical gadgets are out of reach and all wirings are secured to prevent accidental shocks. Since pets are prone to chewing on all they can sink their teeth on, regularly inspect and secure any worn wiring.

4. Stock up on space separators:
Most effective when in their younger ages, blockades help keep your pet away from specific sections of your home where you cannot continuously supervise or where you wish to keep them away from. Ideally, section off areas where you have large machines like the washing machine or dangerous equipment like the kitchen or your bedroom if you wish to restrict pet access.

5. Get particular about cleanliness:
Pets are messy creatures. No training can eliminate their tendency to make a mess. Use lint rollers to get pet hair off furniture and periodically vacuum the floor to eradicate dirt and pet hair accumulation. Keep your indoor trash cans covered to prevent your pet from knocking them down and creating a more significant problem.

6. Make use of furniture covers:
Depending on your pet's activity levels and age, restricting its access to particular sections may be futile. Therefore, it may be better to use preventive accessories like furniture covers that protect your expensive sofas, lounge chairs, tables, and even bed covers when not in use.

7. Create an exclusive pet zone:
We often hoard items to maximise the space in our homes, leaving our pets with minimal space to stretch out. Ensure that you allocate a small area in your house for your pet to play without obstructions.

Before you welcome your pet, check the above parameters to provide it with a safe habitat. Buying house insurance India is a prudent move to cover financial losses that may occur to your shared home. Depending on its coverage, the policy may even cover pet damages to the house. We hope you have a wonderful time with your pet and enjoy seeing it grow.

Click HERE to buy the best house 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.

Due to the threat of a global pandemic and the surge of different health crises, everyone now should have health insurance. Health insurance coverage can significantly safeguard you and your family from medical expenses during an emergency. This occurrence can be erratic and unexpected, and to protect the family, you or your family can purchase health insurance individually. Or, it would help if you bought a family floater health insurance plan to offer comprehensive coverage to your loved ones.

What is a family health insurance floater plan?

A family floater plan is health insurance that allows your entire family to benefit from a single health plan. These plans cover every family member under one single umbrella policy. Also, they are cost-effective because only one premium payment is needed for all beneficiaries simultaneously.

What are the advantages of getting family floater health insurance?

One of the best things about buying family health insurance is that it covers people of different ages. Neither senior citizens nor even infants require you to have separate insurance coverage. Here are some of the more notable advantages.

1. The Convenience of policy selection:
A family health plan makes it simple to choose a policy that provides coverage for all beneficiaries at once. There is no need to manage the renewals of many policies for various family members or go through the process of shortlisting them all.

2. Adding new members:
Family health insurance policies generally provide maternity benefits. It is simple to add them and provide coverage for newborns and pregnant women. So, if you are planning to start a family soon, choosing a family floater health insurance plan with maternity benefits can be a good deal.

3. Reasonable premium:
Since single-family insurance covers the entire family, coordinating several policies and their renewal dates is optional. In addition, compared to standalone individual health policies, single coverage can be modified to meet beneficiary demands at an affordable cost. Using the online health insurance premium calculator, you can quickly calculate premiums.

What should you consider when buying a family floater health insurance policy?

There are other factors to consider when purchasing individual health insurance coverage. These rely on the individual needs of each family member. Here are some recommendations for choosing a family floater health insurance policy in India.

● Your policy's coverage:
There are various features that you can review before deciding on the final coverage. Coverage is the most important thing to consider when choosing one of these policies since it varies from one to the next.

● Your plan's adaptability:
You must choose supplemental coverage to cover specific age-related ailments. If you start a family, you might have to select maternity coverage. Keep this flexibility in mind when choosing a family floater health insurance.

● No-fuss experience with claims:
Choosing a plan with fewer documentation requirements and other benefits can help you receive a seamless claim experience even though the settlement process is largely the same across insurance companies. Consider a policy that has a high claim settlement record.

Now that you know the benefits and how to choose a family floater health insurance plan, use these helpful suggestions to have your family covered and enjoy the peace of mind you deserve. Addressing your entire family's medical needs may appear daunting, but with the proper knowledge and appropriate insurance coverage, you can get the best deal. Compare different policies online, and understand their clauses, premium, and benefits before making the final decision.

Click HERE to buy the best health insurance plan 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.

Are you taking delivery of your new car? But do you know that there are some prerequisites before signing any papers? Suppose you discover a problem after driving your new car away from the dealership; there are chances your dealer may refuse to take responsibility.

To avoid such a situation and ensure that everything is in working order, set up a pre-delivery inspection checklist and do the due diligence. Also, before you hit the road, be sure you have adequate motor insurance coverage from the best motor insurance company in the event of an accident.

Following is a list of things to look for when you take delivery of your new car.

1. Exteriors of the car:
A car might get damaged while being transported from its manufacturer's facility to a dealership stockyard. Check for dents and scratches, paying particular attention to the bumpers and the sides. In addition, look at the paintwork and the finish. Bring any repaint spots, scratches, or dents to the dealer's attention as soon as you detect them.

2. Check the electrical components:
Inspect and test all of the vehicle's electrical components, such as the lights, power windows, in-car entertainment, and the instrument cluster. When an automobile is left in a stockyard for an extended period, rodents often chew through the wiring, resulting in costly repairs. Furthermore, the battery should not be too old. If it is, ask the salesperson for a copy of its warranty card.

3. Interiors of the car:
After completing the exterior inspection, check the vehicle's carpeting, seats, console, and glovebox. You may check to see any wetness in your carpet by taking off the floor mats. Also, inspect the glasses and mirrors for cracks or scratches.

4. Make sure the tyres are in good condition:
Ensure that the tyres are not older than the car by checking the manufacturing date. A hardened rubber compound in old tyres could reduce road traction and cause them to wear out faster than they should. Also, inspect the spare tyre to ensure it is correctly inflated. Then examine the toolkit to ensure that it contains all the necessary tools.

5. Make sure the A/C is working properly:
Turn on the air conditioning and check how quickly the interior cools down. Vehicles that are parked in the dealer stockyard for long accumulate dust. Dirty air ducts can lead to bacterial growth, which is harmful to human health.

6. Check the engine:
Keep an eye out for indicators of fluid leaks and a damaged engine cover under the bonnet. Examine the fluid levels in your vehicle to ensure that they are at the proper levels for your engine oil, coolant, braking fluid, and windscreen cleaning fluid, among others. Furthermore, the engine compartment should be free of dust and debris.

A brand-new car will rarely cause any difficulties during driving. However, when it comes to maintaining security, ensure that you get comprehensive insurance from the best motor insurance company. Compare different motor insurance plans and select the one that provides you maximum benefits and the best premium. And yes, always take the delivery of your new car in the daylight because you will be able to spot defects, scratches or repair work, if any.

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

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

Driving a lorry at night can have several advantages, including reduced traffic, availability of parking spots, and a magnificent night sky. While nighttime lorry driving may be relaxing, it is critical to practice safe night driving to avoid mishaps. According to the Ministry of Road Transport & Highways of India, road deaths increase three folds at night.

As human eyes have poor night vision, with decreased depth perception and peripheral vision, it is no coincidence that the highways are dreadful and dangerous after the sun sets.

The best safety tip would be to not drive after dark, but if your schedule mandates you to do so, here are some tips that will help keep you safe on the roads.

1. Adjust the headlights:
Check that your lorry's headlights are correctly set. When it's dark, use upper beams whenever it's safe to do so. Uppers beams can see twice as far ahead as dipper. Switch back to dipper when you're within 500 feet of an oncoming vehicle.

2. Follow speed limits:
It's a fundamental reality that humans can't see as clearly during the night as in the daytime, no matter how excellent their vision is. So, driving slow at night helps you see the warning signs or other vehicles better. Slow down even more during severe weather and foggy conditions due to less visibility.

3. Reduce glare:
Maintaining a clean windshield is vital to reduce the blindness that an approaching vehicle's headlights may cause. Furthermore, replace your wiper blades regularly to maintain a clean windshield.

*Additional tip – Staring at an approaching vehicle's beams can slow your response time. When you see such lights, gaze toward the center or right side of the highway until traffic passes. Moreover, adjust your mirrors so that headlights from vehicles behind you do not blind you.

4. Beware of your limitations:
As per the Ministry of Road Transport & Highways of India, most police-reported truck collisions are caused by sleepy driving each year. Aim for at least seven hours of sleep before you get behind the wheels. If you ever start experiencing fatigue, pull over right away and rest or refresh.

5. Be responsible:
Do what you expect of others, don't use upper beams unnecessarily, don't drink and drive, always use your side indicators while driving, flash your lights before overtaking, etc. Remember, even a small thing can trigger a severe collision and lead to an accident, so be a responsible driver.

Additional Tips:

• Maintain the health of your truck by carrying a routine maintenance

• Cover the truck with motor insurance. You can also buy motor insurance online now

• Overloading is illegal as well as causes much trouble while driving

• Never forget to wear your seatbelt

• Turn on the mp3 player to avoid feeling drowsy but ensure you don't keep the volume too loud as it might prevent you from listening to the vehicles outside

• Take periodic refreshments breaks

Whether you're a novice or an expert, the roads are uncertain. As we earlier said, the best tip is to drive during the daytime, but if night driving is inevitable, these tips will surely benefit you in driving safely.

Visit HERE to buy motor insurance online now.

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.

Asthma is a health ailment that can take a severe toll on your health. In this condition, the air passage observes inflammation, and the bronchioles of the lungs swell, making it difficult to breathe. Asthma affects the functioning of your lungs and can lead to various long-term diseases as well.

While you can control asthma most of the time, it can affect your daily activities and may even be fatal. If not addressed correctly, the symptoms can worsen over time and lead to severe asthma attacks.

Today we will look at a few ways you can control your asthma.

1. Identifying triggers:
Almost all cases of asthmatic attacks arise due to a triggering agent or underlying factors. It could be pollution, smoke, allergies, exercise etc. Identifying what triggers your asthma is essential to prevent attacks as much as possible. One handy way of doing this is by keeping notes for a few weeks. Take into account all environmental and emotional things that affect you.

2. Avoid allergens:
Once diagnosed with asthma, you can do allergy tests to learn what you are allergic to. A comprehensive understanding of what causes allergies can help you prevent them in the future. Contact with allergens can cause inflammation which may block your airway and worsen your condition due to poor respiration.

3. Immunotherapy:
Immunotherapy or Allergy shots are injected to help mitigate allergic symptoms. Over a period of time, these small doses of specific substances allow the body to adjust to them and become less reactive in the future.

4. Avoid smoke:
If you are asthmatic, you should avoid smoke from vehicles, incense sticks, and cigarettes. Even passive smoking can be a deadly trigger for your asthma. Always carry masks, inhalers, and your asthma medication wherever you go. When stuck in situations where you're unable to avoid the smoke, use masks to cover your face thoroughly. Protecting your air passage should be a priority when you're in crowded places.

5. Take medications:
Even if your asthma has been under control for a while, never skip your medications. Asthma medications are designed to help to prevent symptoms and attacks over time. Skipping on your medications can be dangerous.

6. Keep your environment clean:
Sometimes the bare minimum can go a long way. Regularly vacuuming your couches and floor can help keep dust at bay. Use a dehumidifier to reduce the air's moisture and prevent mold growth. Install air purifiers to get rid of dust mites. Lastly, don't forget to change your bedsheets and liner every week to ensure maximum protection from dust and allergies.

These are a few ways in which you can prevent an asthmatic attack. However, in case of a severe asthma condition, it is advisable to visit a doctor. Having medical reports handy at all times is a good idea to give the doctors a better understanding of your medical history.

We are often not prepared for the expenses we might incur during visits to doctors. Costly medical bills should be the least of your worries in such times. Having the backing of an insurance provider is especially helpful. Consider this a reminder of your health insurance policy renewal and prevent it from lapsing.

Click HERE to know more about 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.

India's vast network of national highways is usually busy with trucks carrying hefty cargo across the states. Transportation of heavy-duty materials and goods is majorly carried out by trucks. Their labour happens to be an essential work that contributes to the entire country's economy and aids multiple industries in flourishing and growing.

As essential as the transportation of the loaded cargo is, it can be a complex process to manage. Hauling loaded shipments for kilometers at a stretch is a strenuous activity and can become dangerous. Due to their massive size and load, several rules and regulations are levied upon the lorries. There are standard weight limitations to be followed to avoid any road accidents. All shipment companies and truck drivers must follow these safety provisions.

What are the basic truck requirements to keep in mind?

1. The weight of the load or cargo must be evenly positioned in the vehicle. Distributing the weight evenly throughout the truck ensures that its balance is maintained while driving. It also guarantees that no part of the truck is heavier than the rest so that it drives safely across the distance.

2. The cargo must be positioned and secured firmly in its place. If any items of the shipment move with the truck's movement along the road, it can cause the lorry to tip over or fall while making a turn. This can cause major road accidents and distract the driver from driving.

3. The regulatory bodies imply a standard weight limitation depending on the truck's size. The driver must ensure that these weight limitations and norms are adhered to before setting off on their journey. Not only can they be heavily fined for disregarding these rules, but they can also cause significant weight displacement of the vehicle, leading to severe accidents.

What are the risks of overloading the trucks?

1. The mechanical components of the truck are proportional to its smooth functioning. The weight limits are placed to protect the vehicle's mechanical parts from the damage caused by overloading. Parts like the suspension and engine can be easily damaged.

2. Heavy loads cause high amounts of pressure on the vehicle's braking system. The driver is forced to push harder on the brakes to stop sooner, impairing the system. Extreme pressure on the brakes can significantly increase the possibilities of brake failure.

3. Like the truck's mechanical parts, tyres can also deteriorate due to truck overloading. It causes a significant chance of them blowing out. A tyre blowout can cause the cargo to shift, displace its weight and lead to accidents. If the driver is unable to steer the truck to safely move out of the road, it may cause a major road collision and pose a threat to other vehicles on the road.

Understanding the risks of overloading trucks is essential to securing yourself, people, and vehicles. Following the safety protocols and driving with alertness and lesser (permissible) load is key to avoiding landing into unwanted mishaps. Investing in a motor insurance scheme can ensure your truck's safety at all times and get you compensated in case of damages. A good motor insurance can help you secure your finances and make your journeys stress-free.

Click HERE to buy motor insurance to safeguard your truck.

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 internet being easily accessible even in remote areas, today, people engage and entertain more through the digital world. Social media is proving to be a significant source of entertainment worldwide. However, it turns out that it is also one of the rising causes of bad mental health. Primarily, the rise of social media has long-term consequences and adverse effects on people's mental health, including cyberbullying, depression, and severe anxiety.

People think that social media is a mood booster, which is true but under certain limits. Excessive socializing can make things odd for you, majorly affecting your mental peace. Let's take a look at how social media is affecting people's mental health.

1. Comparing our lives with others:
The comparison is one of the primary reasons why people feel socially isolated. As we scroll down our social media feeds, we start comparing our lives with other people. This may be in terms of money, their day-to-day activities, looks, or happy moments. Unfortunately, the habit of comparing ourselves to others is linked with symptoms like anxiety, depression and loneliness.

2. It triggers sadness:
The more you use social media, the higher it triggers your sadness. For example, a person already dealing with mental health issues may see things that can make her feel down. This way, people feel the fear of missing out, leading to higher anxiety.

3. Low self-esteem:
People on social media are all about showing off materialistic things. We tend to feel excluded from these show-offs, which can lead to higher insecurities. Seeing someone ‘perfect’ on social media further lowers self-esteem. You'll begin to judge your self-worth, and that's dangerous.

4. Social acceptance:
Social media has taken over people's minds by its craze for ‘followers’ and ‘likes’. Youth indulge in the thoughts that if they don't get a certain number of likes or followers, they are probably not good enough or aren't socially acceptable.

5. Abrupt sleep cycle:
Social media is like that one toxic addiction you want to leave, but you can’t. According to research, almost two-thirds of the youth check their social media at least once before sleeping. Sometimes you may come across a specific post, and you decide to check about them more out of curiosity. Within a blink of an eye, you'll lose hours just scrolling on social media.

6. Leads to jealousy:
Besides comparing ourselves to others, another way social media affects one's mental health is by inducing jealousy. Seeing other people's success stories, luxurious accessories, and vacations can be envy-inducing. This vicious cycle of jealousy can lead to severe consequences.

The rise in the influencer culture has further brought plenty of side effects on today's youth. Unfortunately, draining mental health can affect one's physical health too. While these health problems may not look concerning, they can turn out more significant and take a toll on your overall well-being, productivity and finances in the future. Therefore, it is in your best interest to get HEALTH INSURANCE so you do not drain yourself financially to protect your mental well-being.

Social media is not just scrolling feeds and looking at what's going on in other people's lives. If you use it wisely, social media is a perfect medium to make you productive and happy. You will find profiles and posts related to improving your well-being, practising mindfulness, drawing positivity through education, and even the importance of mental balance, health insurance and a perfect lifestyle.

Click HERE to buy the best health insurance that fits your needs.

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 year 2020 was considered the year of WFH (work from home). In the beginning, everyone took it as a blessing, and people experienced enough flexibility at work and more time for family. However, as the trend continued into 2021, it presented new communication and collaboration challenges among teams, mental health issues, and imbalance in the work-life cycle.

Working from home looks like a job incentive for many employees, as suddenly they have more flexibility to get their work-life balance. But that's not the whole truth; reality seems to be different. Work from home culture has depended significantly on one question: Is remote working a sustainable option? In this article, we'll discuss some of the most common challenges that home-based workers are facing.

WFH affects your mental health:
Though work from home has proved to be helpful, it is also adversely affecting our mental health. A report states that about 76% of the global workforce recorded negative impacts on their mental health in 2020 due to WFH.
WFH results in total exposure to the computer all day, leading to headaches, fatigue, tiredness, and eye problems. In addition, rather than the benefits of work-life balance, some people lose sleep due to workload and family chores altogether. This continuous work-family adjustment results in emotional exhaustion. People who are hyperactive at work find it hard to detach themselves from work at home.
On the other hand, work from home has turned out to be an advantage for many introverts. You can work from the convenience of your customary conditions without any physical human interaction.

WFH takes a toll on physical health:
Because you are in front of the screens all day, there is no time for physical activities. Due to prolonged remote working hours, people are more often facing health issues. A sedentary lifestyle, irregular food intake, and sleep deprivation are common concerns. Parents working full time, taking care of household chores, and home-schooling their kids face much bigger physical health issues.
Tossing within the many tasks simultaneously; it takes the life out of those employees with productivity shame, lack of motivation and burnouts in most cases. Most surveys suggest that as many as 50% of people have back and neck pain and other musculoskeletal problems leading to more stress. Although the pandemic has blurred the boundaries between work and home, we learned a lot from WFH culture. These alarming health-related issues have brought well-being to the forefront. Both employers and workers are more aware than ever of the impact of mental and physical health.

We all know that stress and fatigue are not just resulting in some temporary problems but are also impacting cognitive health with some life-threatening issues such as anxiety, diabetes, heart diseases, and clinical depression. As a result, the corporate sector is taking measures to ensure the well-being of the employees and assuring better working conditions, flexibility and HEALTH INSURANCE coverage to their employees.

Since WFH impacts your overall well-being, re-think your current remote working style. There are undeniable benefits of work from home if you have a positive WFH culture, flexibility, work-home balance, time for other activities and a health insurance plan to address your mental and financial stress. So go, set in motion the true meaning of WFH!

To get the best deals on health insurance, click 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.

'Big business starts small' – wise words by Richard Branson. If you plan to become your boss, a bike rental business can be a good venture. A rental bike allows people to ditch cars and public transport without owning a motorcycle or being bothered by BIKE INSURANCE, storage, and maintenance hassles.

In recent years, the opportunities and demands for a bike rental business have increased considerably due to the convenience of two-wheelers. With just a helmet and a 2-wheeler, a person can go around the city efficiently running their errands; or take in some fresh air on an empty highway.

Now that you are ready with your business idea let's proceed to the next step. We have brought together these seven easy steps to help you start your bike rental business.

Step 1
Plan – 'A target to accomplish without a plan is just a dream!'
• Estimation of setting up your business

• The business operation cost

• Potential customers (set up the target audience and promotion offer accordingly)

• Method of business (hourly or daily rates, whether or not you will sell bike-related merchandise, policies concerning damage caused, etc.)

• More profits (consider extra services, like bike sales and repairs; if in a tourist place, offer tour guides)

• Name of your business (what's there in the name? Your brand, logo, website, etc.)

Step 2
Tax – 'Pay for doing the right thing!'
Register for taxes; your small business will be taxed depending upon your business structure (e.g., LLC or Sole Proprietorship.)

Step 3
Bank accounts and credit cards – 'Start your financial journey!'
A business bank account separates your assets from your company's assets. Similarly, getting a business credit card will help you separate your business and personal expenses, and it builds your company's credit history, allowing you to acquire your investments later.

Step 4
Daily cash flow and expenses – 'Maintain a proper business account!'
Keeping track of various expenses and income is crucial to understand financial performance. It also simplifies the tax filing for you. Carefully manage the cash flow, make all entries and maintain a daily account sheet.

Step 5
Legal requirements – ‘Keep the books clean!’
Get your company’s name registered, obtain GST, PAN card, trademark certificate, and other prerequisite licenses and permits to avoid any fines or legal issues in the future.

Step 6
Insurance – 'Keep your umbrellas ready before it rains!'
Similarly, for your firm's financial security, it is necessary to get the right business insurance. There are several types of insurance policies designed to cover different risks. For the growth of a bike rental business, the security of bikes makes a huge difference. With the rising operation cost of the bike rental business, having robust bike insurance plans helps you overcome financial risks related to your bikes.

Step 7
Move online – 'Make the internet your new market!'
Maintaining a good website and the social media platforms like LinkedIn, Facebook and Instagram will help your business to grow with more user engagement. In addition, you can flash special offers, exclusive deals, trade merchandise as a part of your marketing strategy to draw more sales.

For running a bike rental business, you need to have mechanical skills or hire at least one full-time mechanic. Remember, a nonoperating bike won't earn you any money. Also, a significant amount of your customers can be tourists, so you should be well acquainted with the location to build a good customer relationship. Follow your passion and work in the direction of making your vision a reality with this quick guide.

Are you starting a new bike rental business? Click HERE to buy insurance that will ensure the safety of your bikes.

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 two-wheeler segment is considered the most convenient mode of commutation in our country. It is believed that 'life is better on two wheels.' With a couple of benefits like fuel efficiency, compact design, and budget-friendliness, two-wheelers are people's personal favourite to withstand the fast pace of life. From youths to retirees, you will find a large Indian population riding two-wheelers.

Despite many worthy features, two-wheelers elevate the risk involved in riding them. No matter how good your driving skills are, you can't deny the risks involved with two-wheelers. Unfortunately, people tend to overlook it while riding two-wheelers. Following traffic and safety rules is essential even if you have many years of experience under your belt. In addition, pursue another good habit of renewing your 2 WHEELER INSURANCE to ensure security in case of mishaps.

We bring these eleven good habits every rider should consider:

1. Start your two-wheeler only after wearing the helmet. It is unlawful and dangerous to ride a two-wheeler or a bike without wearing a proper helmet. The helmet should be ISI certified and of the best fit.

2. Always go for a bike that you can comfortably ride and control. Choose one that is appropriate for your physical capabilities, low maintenance, and compliments your budget.

3. Overtaking a vehicle from the left is always the wrong decision you'd ever make. Stay away from overtaking at intersections, schools and public zones, bridges. Honk before you take a turn.

4. The rider must be visible to other vehicles during the night and extreme weather conditions like fog. Stick reflective bands on the helmet, use dipper lights appropriately, especially when riding at night.

5. Riders must be cautious of their proximity to the vehicles ahead of them. Understand the distance required to go to a complete halt and brake correspondingly.

6. Maintain your motorcycle or scooter in excellent working condition and get regular servicing at an authorized workshop or service centre.

7. Always look out and be aware of potential dangers such as speed bumps, potholes, environmental disasters, and pedestrian crosswalks.

8. Obey all traffic rules religiously. Always signal first so that others can anticipate your next action. Make sure you don't slam on the brakes or make sharp bends suddenly.

9. Using your phone on the bike is a big threat for the rider and the pillion rider. If it is exceptionally urgent, pull over your bike at the side of the road to use your phone.

10. Only because you own a vehicle does not make you superior on the road. Be considerate of pedestrians and allow them to move before you in all situations.

11. In addition, an overall increase in service cost, maintenance fee, or a sudden accident may impact your financial plan. So, prepare for uncertainties in advance with 2 wheeler insurance. 

2 wheeler insurance will not just cover your finances at times of damage but will also provide you with compensation if your two-wheeler is stolen.

Keep the above-mentioned habits in mind and enjoy the pleasure of a bike ride to chase more smiles per hour.

Looking for 2 wheeler insurance, click 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.

Bikes are the most commonly used vehicle when it comes to riding on India's busy roads. But did you know that your safety relies on one more thing than just your driving skills? Your choice of tyres and how you maintain them are two major factors contributing to a safe and smooth ride.

Still, most of us don't take the health of our bike's tyres very seriously. Tyres suffer a lot while making your riding experience pleasant. Besides this, bike tyres face significant external damage and develop cracks due to constant wear and tear. You cannot afford to leave the tyres unattended because a faulty tyre can be a threat to your life and others around you. Below are the five best tips to increase the life expectancy of your bike's tyres.

1. Wash them regularly:
Cleaning the tyres of your bike is an essential routine that you shouldn't miss. Leaving dirt will expose them to damages, thereby affecting their quality. The dirt racks up on the tyre's surface and affects its grip, which tends the bike to skid on the road. So, next time you go to the washing centre, get the tyres clean and dirt-free thoroughly.

2. Schedule regular repair checks:
Your bike runs over any sharp object like a nail or edgy stones on the road. With time, tyres also meet with alignment and wheel balancing issues. This happens due to extensive riding and wear and tear of treads or grooves. Get these issues fixed at the earliest, as otherwise, such things can damage the tyres inside out.

3. Get the best fit:
Sometimes we opt for fancy or trendy tyres and don't pay heed to the actual requirement. Always look out for the best fitting and necessity of your bike and its model. Mismatching tyres is never a good option – neither for your bike nor for you.

4. Timely replacement of tyres:
Tyres don't come with a lifelong guarantee. Ideally, they need to be changed every 4-5 years, or the kilometres you cover, depending on your bike's specifications. Due to resisting the friction continuously, tyres tend to lose their grip. Taking out your motorcycle with such tyres on the road is dangerous, especially on uneven roads or during the rainy season. So, timely replacing of tyres is required before the situation gets uncontrollable.

5. Check for ideal pressure:
Refer to the user manual of your bike to know the perfect pressure of the tyre and maintain it consistently. Don't forget the essential maintenance of air filling and oiling the engine. Riding under less pressured tyres is risky as there are chances of bursting or unexpected puncturing.

Your bike is your responsibility, and keeping it in good shape will give it an extended life. Moreover, regular maintenance to your bike and tyres promises comfortable and safe rides to you. Along with good care, buying suitable BIKE INSURANCE also counts as a wise step. Bike insurance comes with plenty of benefits that can help you as an owner during unfortunate incidents like accidents, theft, or damages due to calamities.

Click HERE to buy or renew your 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.