GENERAL INSURANCE BLOG

A health insurance plan is an effective investment instrument to protect your finances against severe illness or an unfortunate accident. But did you know that your health insurance covers pre-existing ailments such as hypertension or diabetes too? Yes, it does! However, this insurance plan has a higher premium and different waiting periods.

You need to ask your insurer about all the available insurance plans and tell them about your pre-existing conditions. However, if you fail to inform your insurance provider about your health condition at the policy purchase, you should learn what will happen at the time of claim.

What are the pre-existing diseases?
A pre-existing disease is a person's health condition or illness before the purchase of a health insurance policy. To simplify, a pre-existing disease is an illness that physicians diagnose within 48 months of buying the policy. Some of these diseases include cancer, asthma, diabetes, cardiac conditions, and hypertension.

Ask your insurance agent about all the pre-existing diseases they cover in their policy. Policies that cover pre-existing diseases have a waiting period depending on your age and plan. Remember that the policy will not cover your medical expenses if you fall sick due to your existing medical condition during the waiting period.

How can non-disclosure of pre-existing conditions lead to trouble?
Non-disclosure of pre-existing medical conditions can be one of the primary reasons for claim rejection. Suppose the insurance company finds out that the policyholder has been suffering from health conditions like sleep apnea over the past seven years. In that case, the company will reject the insurance policy even though they have never made any claim in the past 05 years of buying it.

If another family member is part of the insurance policy, they will also experience rejection or cancellation of it due to non-disclosure of your pre-existing medical condition. So, you need to be careful and transparent regarding sharing essential information with your insurance provider to avoid missing out on crucial benefits.

The insurer has a robust finding-out mechanism that helps them know about their customers' health conditions. A policy buyer may forget what they disclosed in the insurance plan, but understand that the insurer never forgets.

What to do if you fail to disclose your medical condition?
If you fail to provide information about your medical condition when buying the policy, you can rectify your error during the 15-day free-look period. However, suppose you miss this opportunity to correct your mistake. In that case, the company will treat your policy as void at the time of claim, and you will not get any compensation for medical expenses.

*Note
According to the moratorium rule of the Insurance Regulatory and Development Authority of India, the insurance company will not cancel your insurance policy if you have paid premiums for eight or more years.

Suppose you are unaware of your pre-existing medical condition when purchasing a health insurance plan. In that case, the plan will cover your illness and hospitalisation expenses by default. However, the insurance company will consider any illness contracted within 03 months of taking the policy as a pre-existing disease.

So now you understand why disclosing all the health conditions clearly when buying a health insurance policy is necessary. Opt for insurance that has a short waiting period. It helps cover your pre-existing illness at an early stage. And we advise you to purchase a health insurance plan at a younger age to avail of coverage in case a disease occurs.

Click HERE to buy the best health insurance for you and loved ones.

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.

Convenience is the need of the hour during the age of rapid growth. It is common to see newly developed inventions being phased out shortly after a better discovery is made that serves the purpose and facilitates the fast pace of human life. One exception to this general rule is the case of two-wheelers in the Indian automotive market.

Two-wheelers are inexpensive compared to cars, making them an obvious choice for the economically impoverished. On the other hand, with the increasing demand for convenience, vehicles on the road keep increasing every year, inevitably increasing traffic. The easiest way to navigate through traffic is by travelling on a two-wheeler, which makes switching lanes and parking relatively easier.

Even if you do not own a two-wheeler, it is an exciting product yet to reach its maturity and full potential. Until then, we can expect extensive developments to reform it into a futuristic commuting option. Simultaneously, as two wheeler insurance online gains popularity, enhanced safety of the riders can be ensured to minimise accidents and their financial burden.

If this is not enough to excite you about two wheelers, here are some interesting facts that will surely do the trick!

1. Rural areas drive demand:
Usually, urban demand for a product is expected to be greater than that from rural and semi-urban areas. However, while two-wheelers enjoy demand across the country, rural and semi-urban regions have continuous demand. About 50-60% of the 2-wheeler market is catered to rural areas. This demand is quite volatile as their income is comparatively low and susceptible to changes in prices of commodities like vehicles themselves or fuel rates.

2. Expected YoY growth:
Before the pandemic, the market for 2-wheelers was expected to grow at least by a prudent 10% each year. However, when comparing the sales of September 2019 and 2022, an evident exponential jump in sales has been noticed, proving its utility.

3. Hike in prices:
Since the pandemic, supply shortages have led to increases in raw materials prices, which have ultimately been passed on to the customers in the case of most consumer products. In addition, the consistently increasing production costs and the rising inflation rates have left two wheeler makers with no choice but to hike up vehicle prices.
This has been a significant factor that has made buyers hesitant to purchase two wheelers, as current prices are up by almost 15-20% compared to the pre-pandemic rates.

4. Gearless scooters see equivalent demand:
The ease of maintenance, relative inexpensiveness, and convenient usage make gearless two wheelers a popular option in India. It is common to see more and more gearless scooters on the roads, which speaks for its popularity.

5. Growth of electric scooters:
While the market is presently dominated by vehicles that run on fuel, a slow transition to electric vehicles has been noticed in cars and scooters. The total share of electric two-wheelers in the Indian market was around 3.5% as of July 2022, and the government has a vision of achieving 100% penetration by 2027. Although the numbers are minimal now, it shows the interest of the Indian consumer and the possibilities of the future.

The Indian two wheeler sector continues to grow despite all odds, some years at a slower pace than usual. While the vehicle provides convenience, it is essential to emphasise one’s security when riding a two wheeler and follow all necessary safety precautions. It is critical to purchase two wheeler insurance to prevent the financial strain any mishap may cause.

Two wheeler insurance online is a trending option that simplifies the process without having to leave the comfort of your home and provides an easy comparison between alternatives. With two wheeler insurance online, you get the advantages of affordable premiums, great deals, continuous customer support, and a seamless experience.

Click HERE to buy two wheeler insurance online.

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

Fire in a house can be devastating and bring the entire house down to ashes in just a few moments. You need to be very cautious with the flammable items in your home as they can threaten your life, including your family and valuable assets.

A fire outbreak can be due to several reasons, most of which are beyond our control. Still, we can control the spread of fire, douse it with the help of fire safety equipment, and recover the damages with the benefits of buying fire insurance online.

Let’s first go through a few flammable items in our house that we must be careful about.

1. Hand sanitiser:
Hand sanitisers have become very popular in every household after the onset of Covid-19. People have started using it extensively at home and even advise their children to use it frequently.
However, very few people know sanitisers are highly flammable because they contain alcohol. You should never use sanitisers near a gas stove. Also, you should not carry a lighter with a sanitiser bottle in your bag as it can be dangerous and can catch fire.

2. Nail polish and nail polish remover:
We can find nail polish and its remover in almost every household in India. They are easily available in the market, and even children can access them. However, we must know that they consist of acetone, a highly flammable substance.
Even the vapour that they produce is highly flammable. Hence, we should keep both of them away from any source of flames, such as a candle or a matchstick at home.

3. Flour:
Surprised? Yes, the flour we use daily in our kitchen is flammable, especially flour dust in the air. Flour can burn easily from all sides. It allows flames to pass through it quickly because of its large and flat surface area. Hence, we should be careful when we use flour near the gas stove in the kitchen.

4. Grooming products:
Many beauty products we use frequently are flammable and can cause a fire in our house. Products like hair mousse and hair spray can ignite fire very quickly. Moreover, the fancy deodorants and air fresheners we use daily come in aerosol cans. Avoid exposing such cans to a naked flame, as they can quickly catch fire. You should also avoid keeping these cans at high temperatures as they can combust because of temperature and pressure.

5. Ghee and cooking oil:
Cooking oil has a low flash point, making it highly flammable. Similarly, ghee can catch fire easily, too, if overheated. You must be careful while using both in the kitchen.

6. Oranges:
Our favourite fruit, “Orange,” consists of an extremely flammable chemical called limonene. It is used as a fire starter for campfires and fireplaces. Hence, it can cause a big fire if exposed to an open flame.

7. Home mattresses:
We often light a candle on our bedside or even on the mattress. Smoking a cigarette while sitting on our bed is also very common. You should be aware that mattresses are highly flammable. They can result in the fast spreading of fire in a room because of their flat nature and big size.

We have seen that many items of our daily use are flammable and can spread fire in the house if exposed to even a small flame. The loss of property and lives can be irreversible and completely shatter our world. Fire insurance protects us against losses and damages to property caused by a fire at our house.

The cause of the fire can be electrical short circuits, gas leakage, or other reasons such as those mentioned above. Most policies will provide coverage even if the fire originates outside your house. Hence, think no further. Protect your house and property by buying fire insurance online today and enjoy complete peace of mind.

Click HERE to buy the best fire 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.

Headaches are the most common but often ignored problem that people face. Having a headache can dampen your mood and affect your concentration levels. They can be different and range anywhere from moderate to excruciatingly painful. The treatments for headaches can differ depending on the type and intensity of the pain. Although most headaches can be cured with rest and over-the-counter medicines, it is best to consult a doctor if the pain persists.

If you suffer from headaches frequently, this article will be a complete guide to discussing the different types of headaches and their treatments.

1. Cluster headaches:
A cluster of short yet excruciating headaches is called cluster headaches. They tend to happen periodically over years or months, or days. These headaches occur due to an affected trigeminal nerve, responsible for sensations of pain and heat in the face. The pain is concentrated on one side of the face starting from the head and branching out to the eyes and jaws.
These headaches last only a couple of hours and can be treated with painkillers and other preventative medicines. If you tend to have these headaches often, it is best to talk to your doctor and get a prescription for preventive medications that you can always keep on you in case of emergencies.

2. Migraine headaches:
Migraine headaches can show symptoms differently for different people. Sensitivity to smell, light, and sound accompanied by nausea is one of the most common symptoms of migraine attacks. These headaches stem from the nervous system and can sometimes affect your eyesight for a temporary duration of time.
Other symptoms include blurred vision, tingling sensations, and numbness on one side of your body. Aspirin, caffeine, and ibuprofen are some of the common over-the-counter drugs that can help in the faster recovery of migraines. Some home remedies include resting in a dark, quiet room, an ice pack on the forehead, and ample fluid intake.

3. Tension headaches:
As the name suggests, tension headaches or stress headaches are caused by persistent stress. The symptoms are less complex as compared to migraine or cluster headaches. Uneasiness, mild pain in the temple, sleep deprivation, and fatigue are some of the common symptoms of tension headaches. Poor posture, overexertion, and emotional stress trigger this kind of headache. Painkillers and sufficient rest can help you cure the pain instantly. However, if you face the problem often, it is best to seek medical attention and get any tests done if the doctor recommends.

4. Thunderclap headaches:
This is one of those headaches that might need immediate medical attention and can cause fatalities if not taken care of. These shooting headaches, nausea, and vomiting can often result from internal bleeding in your brain. The pain develops rather suddenly and lasts for about five minutes. Suppose you experience severe shooting pains or experience a new kind of pain. In that case, it is best to talk to the doctor immediately, as these are often indications of an underlying fatal problem.

These are some of the most common kinds of headaches that you might come across. Remember that no matter what, if the pain lasts longer and you experience bouts of shooting pain, do not wait for the pain to worsen. Contact a doctor immediately and get the required medical attention. After a preliminary round of tests and diagnosis, the doctor might suggest surgeries as a solution.

Under these circumstances, the cost of treatment can be very expensive. To safeguard yourself against these expenses, you can opt for an affordable health insurance plan for yourself and your family. A quick search on the internet shows many affordable health insurance plans that you can choose from. Take ample rest, have your food on time, drink plenty of water, and do 10 minutes of exercise daily to avoid the majority of headaches.

Click HERE to know more about affordable health insurance plans.

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

Recent studies indicate that over 50% of vehicles on Indian roads are uninsured, of which two-wheelers make the majority. This is alarming considering the lack of safety features in two-wheelers and poorly maintained Indian roads, which lead to the ever-increasing number of road fatalities.

Despite making two wheeler insurance India mandatory, a vast majority continue to undermine its importance. This may be attributed to the financial product's complexity and uncertainties concerning the claim settlement process. While two wheeler insurance India protects against financial losses and damages from riding accidents, it is contingent on the claim's approval. Insurance providers have recognised the fear of potential policy buyers and have further simplified the process of raising a claim to increase penetration rates in the country.

Follow these tips to ensure the successful two wheeler insurance claim settlement.

How to raise successful claims?

This may come as no surprise, but the best way to raise a successful claim is to follow the insurance company's claim settlement process correctly. It is ideal for complying with the settlement procedure stated on the insurer's website to ensure favourable results. Most insurers have similar processes, which are reasonably straightforward to follow.

However, here are some tips to make sure that your claims are viewed favourably and settled at the earliest.

1. Early reporting:
Inform your insurer immediately after the accident. If you delay the process, you may forget the essential details required to validate your claim. Visit the insurer's website or call their toll-free number to raise a claim. If not possible, initiate the process within a week of the accident.

2. Proper surveying:
It is understood that an accident is a traumatic event to witness or be a victim of, irrespective of its scale. However, to successfully receive a complete settlement, you need valid and comprehensive proof to support your account. While details like the number plate of the other vehicle, pictures showing the damage, etc., are essential, any minute details can help solidify your stance.

3. Maintain precise post-accident records:
The most commonly accepted record by insurance companies is an FIR filed at the nearest police station to the accident site. Any medical expenses or bike servicing costs should also be recorded and submitted to the insurer for compensation.

4. Gather proof of following standard driving protocol:
An accident is an unfortunate event that cannot be entirely blamed on either party. While insurance companies look at the overall picture before passing a judgement on the case, you must ensure that you followed appropriate driving guidelines at the time of the accident. Here are a few reasons that can get your claim rejected:

● Riding without a valid driver's licence

● Riding with a lapsed two-wheeler insurance policy

● Riding under the influence of substances

● Reckless riding

● Use of two-wheeler for commercial or unauthorised use

5. Check your policy's inclusions:
Raising a claim requires knowing your policy's coverage to avoid rejection. You must know essential details like the authorised geographical region, active policy period, etc. Before raising the claim, ensure that you do not fall under any exclusions. Do not make false claims that you cannot support with evidence, as it automatically leads to rejection.

6. Provide all the requisite documents:
In case of incomplete submission of documents, you will have to duplicate efforts and submit the records until you satisfy the insurer's requirement. Usually, the list includes

● Copy of valid two wheeler insurance India

● Contact details of the policyholder

● Copy of FIR filed with the nearest police station

● Claim settlement form

● Copy of driver's licence and registration documents

● Original bills as proof of medical expenses and repairs

Two wheeler insurance India is a prudent mechanism to ensure protection against financial losses and damages to third parties due to your two-wheeler. Despite the general notion of the tedious nature of the claim settlement process, you can raise claims successfully by following above tips and simply complying with the insurer's requirements!

Click HERE to purchase hassle-free two wheeler 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.

Health insurance policies now come with the portability feature in which you can transfer your current health insurance policy to a new service provider, subject to certain terms and conditions. You may look to port your policy for several reasons, such as poor service quality, a slow claim settlement process, higher premiums, and room rent restrictions.

Your NCB (No-claim bonus) amount accrued to date is also transferred along with the policy. Moreover, the waiting period served to date with the existing insurance provider is also considered and adjusted with the new company.

Here’s a complete guide to making the portability of health insurance policies clearer.

1. Eligibility and charges:
Individuals with an active indemnity-based health insurance policy are eligible for the portability process. But the porting can be done only with a similar health insurance policy.
For example, we can port a top-up insurance plan to another similar plan only. There are no additional charges for the portability feature in a health insurance policy.

2. Portability time:
The option of portability of your health insurance policy is only available at the time of the renewal. The policy must be running continuously over time, without any break-in period.
Moreover, any insured should apply for portability of his policy at least 45 days before the premium gets due for renewal. Also, he cannot apply earlier than 60 days from the renewal date of the premium of his existing health insurance policy.

3. Portability benefits:
Portability of time-bound exclusions and the waiting period already served with the current insurance service provider gets transferred to the new policy. Other benefits, such as accrued NCB (No-claim Bonus), also get ported.

4. Pending acceptance:
Suppose the health insurance portability acceptance is pending with the new insurance service provider, and your policy expires with the current insurance provider. In that case, the new insurer can request the previous one to renew the policy for a few days. They will charge a pro-rata premium for that period to extend the policy validity.
Your current insurer cannot cancel your policy until the new service provider confirms the issuance of the new policy or a specific request to your current insurer is made to cancel your policy.
If you raise a claim in this extended period, your existing health insurance company can agree to settle the claim after you pay the balance premium for that full year. Also, you will have to continue with that insurer for that year.

5. Higher SI (Sum Insured):
Opting for a higher SI or sum insured is permitted when porting your health insurance. However, the existing benefits, such as the NCB, will be the same as per the terms of the existing service provider when porting the policy.

6. Waiting period:
You need to be careful with the waiting periods offered by the new insurance company. All the terms and conditions of the new insurance company are applicable to the policy after you make the shift, including additional waiting periods, if any. However, the waiting period served under the current insurance policy will count and be adjusted with the new insurance company.

7. Group health insurance policy:
Suppose you are a part of a group policy and intend to change the service provider. In that case, you can do it by migrating to an individual health insurance policy with the same insurance company. You can then start the porting of your policy to another insurance company.

The portability of health insurance policies is a favourable option provided by the IRDAI. Being a valued customer, you have the right to receive the best services from your insurance provider. You can always port your health insurance to a better insurer if your current insurance company fails to provide adequate services.

Browse through all the available options and substitutes for your existing policy. It is preferred to opt for online health insurance, understand the terms and conditions of different options, and choose the best one for you!

Click HERE to buy online health 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.

Covid-19 has taught us the importance of having a strong immune system that takes care of our health adversities. Many people have been severely infected, hospitalised, landed in emergency rooms, or have faced the unfortunate loss of their dear ones. The pandemic hasn’t been contained. But people have gotten a lot more immune to the virus.

Plus, the vaccine has been proving extremely helpful in such dire times and aid in developing a shield in your body against the virus. And many of these patients have had the privilege of holding medical insurance, which helped them and their family members cover the cost of the treatment without focusing on financial matters.

There have been multiple occasions where we all have been confused between health and medical insurance. While these terms are closely related, the benefits and coverage of these insurance policies differ. Are you someone who is confused between the two? This blog discusses all such significant pointers which will help you understand and differentiate between the two. So, let’s get started.

What does health insurance entail?
Health insurance covers all hospital costs alongside the pre-hospitalisation and post-hospitalisation expenses. This expenditure includes costs of ambulances, treatments, etc. It is considered a comprehensive insurance policy that acts as a massive benefit for the policyholders and caters to their needs in a customised manner.

What does medical insurance entail?
Medical insurance has restricted privileges one can avail of. It is directed towards specific ailments and accidents which have been specified earlier. There is an absence of options that can provide add-on coverages like health insurance. Medical insurance depends on the amount insured. You can claim the medical insurance policies in two ways: cashless and reimbursement.

1. Cashless insurance Policy: Health insurance defines a set of hospitals under its policy. Upon getting treatment in that hospital under proper supervision, the policyholders do not have to pay a single penny. The patient can avail the cashless treatment option of their health insurance against their policy number, and the hospital works things out with the insurance company directly.

2. Reimbursement: A properly planned comprehensive health insurance policy covers pre-hospitalisation charges, including ambulance costs, tests from the specified hospital, etc. This pre-hospitalisation coverage lasts anywhere from thirty to sixty days, based on the type of health insurance plans you have opted for.

Key differences between health insurance and medical insurance:

1. Medical insurance plans are pretty tunnelled and work only regarding the specified ailments. There is no pre or post-hospitalisation coverage benefit in medical insurance plans. The patient is supposed to bear the transportation charges and other expenses.

2. Health insurance policies give you several add-on coverage options like critical illness, disabilities due to accidents, etc. At the same time, no such choices are available when purchasing medical insurance plans. The critical condition includes diseases like cancer, heart attacks, etc., which carry a grave danger to your health, and their treatments can burn through your bank accounts.

3. Health insurance plans are pretty flexible compared to medical insurance policies. They provide you with the scope of reduction of the policy period, insurance premium amount after a specific duration, etc.

We hope this information gives you a basic understanding of the two types of insurance and the benefits you can avail yourself of. Given the current climatic conditions, lifestyle, sleeping patterns, environmental changes, and several other factors, health issues come without warning.

As the world progresses for the better in terms of technology, humans have backtracked when it comes to healthy living. To avoid any financial distress during such hectic and unfortunate circumstances, you must browse through various health insurance plans in India and choose the one which would suit your needs in the best ways. Health is wealth, and there is no second opinion about this.

Click HERE to learn more about the benefits of different health insurance plans in India.

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

In India, as in the rest of the world, countless single people and couples want to start a family. However, not everyone has the same level of luck, and natural conception may not be an option for certain men, women, or couples. Thus, surrogacy is viewed as an excellent option for resolving this issue.

However, there are several potential problems when deciding to go through with surrogacy. To safeguard intended parents' rights and surrogate moms, the Indian government has enacted new surrogacy legislation, which indirectly impacts online health insurance companies. Keep reading to find out what the law in India says regarding surrogacy.

The Surrogacy Regulation Act in India.

Surrogacy is a burning issue in many parts of the world, considering their complex surrogacy laws. Before commercial surrogacy was banned in 2015 in India, surrogates in India used to suffer victimisation due to the lack of protection by law. It means they had limited support from the law or any other form of government to protect themselves. Plus, they were to follow either the Supreme Court's lead or the advice of the Indian Council of Medical Research.

However, The Surrogacy Regulation Act came into force on January 25, 2022, ensuring fertility services' safe and ethical practices.

Who can get surrogacy?

A surrogate mother must be in good health and between the ages of 25 and 35. She must have been married at least once and raised a child alone. She must also be a close relative of the intended parents. A woman can only serve as a surrogate once in her lifetime under the new Indian surrogacy rules, down from a maximum of three times under the old law.

Regulatory framework for surrogacy in India.

There are two sorts of surrogacy: traditional surrogacy and gestational or host surrogacy. Artificial insemination with the father's sperm is the traditional method. It establishes the surrogate as the child's actual mother.

An embryo created via in vitro fertilisation is implanted into a surrogate mother in gestational surrogacy. It is widely held that gestational surrogacy is simpler than traditional surrogacy, which has led to increased cases involving gestational surrogacy.

Following is a summary of the recent legislation regarding surrogacy regulation, effective as of January 25, 2022.

1. Commercial surrogacy banned:
Commissioning parents in the legally permitted altruistic surrogacy arrangement are responsible for covering the surrogate's medical expenses and providing health insurance coverage. Initially, only commercial surrogacy was legal in India. Earlier, commercial surrogacy compensated the surrogate mother for her services.

2. Health insurance proof becomes mandatory:
Couples who choose surrogacy to have a child must pay for the surrogate mother's health insurance for three years. The IRDA must approve the insurer following the Insurance Regulatory and Development Authority Act requirements. The sum insured must be sufficient to cover all costs incurred by the surrogate because of difficulties emerging during and after the pregnancy.

3. Additional protection for the surrogate mother:
The surrogate mother can end the pregnancy at any time during the surrogacy arrangement. The permission form format to be obtained from the surrogate has also been changed.
The couple must file an affidavit guaranteeing payment of expenses of the surrogate mother, including medical care in the event of illness or the surrogate mother's death and compensation for other losses.

The new surrogacy rules in India are intended to protect the rights of surrogate mothers by guaranteeing them access to online health insurance companies and policies if any difficulties arise during the pregnancy. While this is a positive development, India still has a way to go before we adequately safeguard the rights of surrogate mothers.

Click HERE to buy health insurance if planning for surrogacy.

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

Health insurance policies are a useful tool to tide over any medical contingencies. It is essential for people of all ages, especially senior citizens, to purchase individual or family health insurance that can cover expenses incurred due to hospitalisation or any other allied medical costs. Its importance is only increasing as the medical inflation trends in India increase each year.

We know that age increases the risk of hospitalisation and medical expenses. This creates the necessity to purchase the best-suited comprehensive plan for senior citizens in the family. This article discusses the ideal period for filing a senior citizen’s claim and the time it takes to settle.

The ideal period for filing health insurance claims:

The period of filing the claim is essential in determining the time it requires for processing. Therefore, one must take all the necessary measures to facilitate a speedy claim settlement to benefit from the insurance policy.

Ideally, the insured should file their claim within two weeks for reimbursement claims. This is not a general time frame, as different policies have different time limits. However, claims filed after two weeks of hospitalisation are likely to be rejected or settled later, depending on the case.

Average health insurance claim settlement time:

As per the surveys and research done by the insurance industry, health insurance claims made by senior citizens take 28 days to settle compared to claims made by policyholders younger than 60 years, which take 23.2 days. These results have stirred up interest in the discussion to find the cause behind the delay.

The surveys also state that even the proportion of claim settlements is lower concerning specific conditions like diarrhoea, cancer, or prostate enlargement. However, it is the opposite when related to coronary heart disease. While this may seem alarming to those who have purchased health insurance in India for parents over 60 years, there are simple ways to avoid this.

1. What causes the delay in claim settlement for senior citizens?
The primary cause for the delay in claim processing is the delay in filing a claim. It is essential to ensure that the claim is filed and processed at the earliest opportunity. The findings state that senior citizens may take a while to file claims for numerous reasons, which may cause delays. To avoid late results, senior citizens must file a claim within a week or two and get assured of timely action.

2. A simple tip to ensure timely claim settlement:
It is often seen that young adults purchase health insurance in India for parents not just to protect them from bearing the burden of substantial medical bills but also to file for tax deductions.
However, to claim its primary benefit, it is essential to file claims on time. Since the elderly may require more time to do so, help from the hospital, staff, or relatives to file the claim in time will ensure that it is settled within 23.2 days instead of 28 days.

Carefully read the terms and conditions of health insurance in India for parents that specify information dedicated to senior citizens about the different inclusions and exclusions of the policy. Since medical bills and the risk of falling ill are greater at older ages, it is necessary to be fully aware of the benefits of different policies and file claims within the stipulated period. Help the senior citizens with a good life and healthy well-being!

Click HERE to buy the best health 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.

We have discussed various types of insurance on this forum: health, personal accident, general, home, health, two-wheeler, motor, and many others. As a consumer, the most important role you need to play is to be aware of the purpose and the benefits of the insurance you are looking for or are ready to purchase. Have you ever wondered about what to do in case of burglary and theft of your possessions with a high financial value? Is there any insurance that helps you cover the costs of the properties or possessions against burglary, stealing, robbery, and other types of theft?

This blog will discuss everything you must know about theft insurance in India, including what kind of losses it can help you compensate for, the claims, benefits, etc. In this space, we will shed light on all the information you should know before you get in touch with an insurance provider or an insurance agent to purchase a theft insurance policy.

1. We are getting started with the basics:
Let the first point cater to the question- What is theft insurance? Theft insurance comes in handy against burglary, stealing/robbery, and other types of theft. It protects against the loss of your valuables in the points mentioned above.
Theft, which will be significantly used in this blog, refers to all kinds of stealing/robbery activities. At the same time, burglary indicates the act of trespassing on someone’s property forcibly and taking away their possessions illegally.

2. Why should you have theft insurance:
Now that you know what theft insurance is, you need to understand the more profound answer to why you need theft insurance. To attain protection against such incidents, it is a good idea to have a theft insurance policy in place. Apart from home, if you own a shop or an office space with items of high financial value, a theft insurance policy helps you recover losses caused by such illegal acts on your property’s premises.

3. A note for you to remember:
You need to be aware of the difference between theft and burglary. Both these illegal acts have their respective covers under theft insurance and burglary insurance plans. To claim theft, you need concrete proof of non-consensual/not forceful and non-violent entry/attempts into the premises of your home or other properties.
Meanwhile, to claim burglary, you need to have solid proof of violent and pushing/forceful attempts to enter the premises to accomplish the burglary. Insurance plans cover theft and burglary, so you can explore all your options with your insurance provider, keeping the difference between these two threateningly illegal activities in mind.

4. What type of coverage and benefits are we talking about:
Always read all the terms and conditions of the insurance policy carefully, which will help you analyse and get more insights into the benefits and coverage limitations.
Theft insurance covers the risks and losses due to damage done by theft in your home or other spaces that you own. The insurance premium is decided based on the history of the claims made, the type of possessions, and the security measures within the property.

5. Limitations you must be aware of:
You will not be compensated for the theft insurance policy under the conditions which have been mentioned below:

● Silver, gold, and other high-value metals

● Hard cash

● Items stolen by members of the family

● Share certificates and possessions stolen by employees and house help

● Thefts that occur during stressful periods like wars, riots, natural disasters, calamities, terrorist attacks

● Absence of security or leaving the possessions uncared for/unlocked on your premises

● Forged theft acts

You must purchase the right theft insurance policy by exploring your options, talking to the insurance provider, and finalising the policy that caters to your needs in the best way possible. Reliable insurance will protect you against monetary stress in light of such unpredictable and dangerous activities.

Click HERE to learn more about purchasing a theft 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.

The world is adapting to digitisation, resulting in convenience and efficiency with the power of technology. The insurance industry has adopted various new and technology-driven concepts to ensure better customer support. Most official activities turned digital during the last two years due to the pandemic.

But many people believe that the online service mode is not very bankable, be it shopping, online payments, or online insurance. Even today, people choose the physical method because they believe it is more reliable and effective.

In this article, we will bust some myths and talk about all the benefits of online insurance and why you should buy motor insurance online.

1. No third party or agent is required:
One of the most significant benefits of buying motor insurance online is that you do not need an insurance agent to facilitate the process. When you purchase insurance from an agency offline, the insurance agent helps you identify all the covers in your insurance policy or any additional add-ons you might require.
When you switch to online insurance, you eliminate the need for this third party as all the information you require is readily available online. You can also compare various insurance providers and their costs. The cost you save on paying your insurance agent can be used for buying add-ons on your premium.

2. Ditch the paperwork:
Online insurance companies are making completely paperless purchases with bare minimum paperwork. All your IDs are digitally scanned and uploaded to your insurance portal, and the proposal form is also filled digitally. The digital copy is later forwarded to you for future reference. When you buy motor insurance online, you skip the hectic paperwork and contribute to a greener environment.

3. Instant policy:
The process of buying motor insurance online is faster compared to the physical mode. One can achieve everything instantly, from evaluating the policy holder’s profile to resolving the claim if opting for online motor insurance. All the documents and forms can be filled out from the comfort of your home and get instant policy issuance.

4. Compare online:
Since evaluating every motor insurance policy can be cumbersome when done physically, opt for an online comparison. Various websites with good customer reviews will enable you to make informed decisions on the different kinds of insurance policies, their premium amounts, and the overall customer experience.
Not only will these websites help you in comparison, but there are insurance calculators on various websites that can give you an approximate estimate of the total insurance cost. Read through the company’s website thoroughly to choose a tailor-made insurance policy. When you compare prices online, you know more about different deals available in the online market.

These are a few ways an online insurance policy is a better option than a physical one. Irrespective of the kind of insurance you buy, it is essential to remember that all your needs are met with your current insurance policy. Add value to your bike riding experience by investing in good motor insurance. Motor insurance is an intelligent way to ensure that you are safeguarded against accidents and damages and all the other expenses that your vehicle's maintenance might require. For your next renewal, buy motor insurance online to save money and time.

Click HERE to buy motor 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.

A comprehensive bike insurance policy protects you in case your bike gets stolen. It ensures the receipt of the total insured value or the IDV of your bike from the insurance company. This way, two wheeler insurance will reimburse you when you raise an insurance claim.

But what happens to your expensive belongings kept in the bike, such as your bag or wallet, that have disappeared along with your two-wheeler? Worry no more! You can now buy an add-on theft cover while purchasing two wheeler insurance online or offline to protect your personal belongings.

The benefit of theft add-on.

A theft add-on feature for your bike’s comprehensive insurance policy enhances its value by covering your personal belongings’ value. You can purchase this add-on cover while buying new two wheeler insurance online India or renewing the existing policy. The insurance company becomes liable to pay the amount mentioned in the add-on cover. The depreciation amount is deducted to date for your personal belongings in case your bike gets stolen.

Documents required.

You must provide the following documents to raise an insurance claim:

1. An FIR filed with a police station immediately after your bike is stolen

2. Original invoice of the items for which you are staking a claim or proof of ownership of the belongings stolen

You must inform the insurance company of the theft within 30 days of the bike being stolen. The insurance company will not entertain any claim post this period. Also, insurance companies will not accept claims for items not meant for personal use. It means the lost item should not be for trading or commercial purposes. Also, the item you are claiming should be inside or on the bike when it gets stolen.

Advantages.

Opting for a theft add-on to your bike insurance has several advantages:

1. Only this add-on assures you of reimbursement for the loss of your personal belongings present in your bike in case it is stolen.

2. This add-on protects your hard-earned money. You can have complete peace of mind and leave behind your belongings on your bike without worrying about their loss.

Limitations.

There are a few limitations of theft add-on to your bike insurance too.

1. Depreciation:
Insurance companies charge high depreciation for your valuables. The minimum percentage of depreciation charged is 20% which can go up to 80% for items over four years old. Hence, you may get a minimal amount for your lost personal belongings.

2. Documentation:
The formalities required to support your insurance claim for your personal belongings are cumbersome. For example, you may not have proof of ownership of all the items stolen with the two-wheeler and may not get the claim passed for them.

The theft of your bikes is not in your control. A standard insurance policy will only provide compensation for your bike and not your valuables. Opting for a theft add-on to your bike insurance is an intelligent choice. It has more advantages than limitations and will protect the valuables in your bike.

Similarly, opting for two wheeler insurance online India is a great choice. It minimises paperwork, saves time, and is much more convenient than buying an insurance policy through conventional channels. You can make an informed choice by comparing similar policies of all the service providers and choosing the best amongst them. Hence, ensure your peace of mind by buying your two wheeler insurance online India policy.

Click HERE to buy two wheeler 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.

Irrespective of age, health is easily one of the most overlooked aspects that are ironically detrimental to the quality of one's life. A few decades ago, maintaining health was not a matter of discussion as it is now, mainly because of the outbreak of viral infections, lack of exercise, and poor eating habits.

People of all age groups face health issues, the old due to their age and the young due to stress. The inconsistent lifestyles have become an open invitation to several health problems. And, as the severity of health conditions increases, it impacts your finances.

In unforeseen situations where you or your family may require to be hospitalised, a health insurance policy for family protects you from the rapidly rising medical cost. Managing finances during health emergencies can be daunting, but with the right insurance plan, you can handle everything well.

While it may seem complicated, keeping these factors in mind can help you buy the best-suited health insurance policy for family!

The need for family health insurance:

While most look at a health insurance policy for family as a means to claim tax deductions, it serves a far greater purpose. Medical emergencies are not preplanned, and without a comprehensive health insurance policy, you will have to pay for the expenses out of pocket.

These medical bills are almost in large amounts that are sure to vent your savings massively. Instead, upon paying a comparatively minimal premium annually, you can protect your spouse, children, parents, and parents-in-law under the same policy that covers any possible medical expenses.

How to decide on policy coverage:

While a health insurance policy for family is a one-stop solution to cover the entire family, it may not be enough based on your situation. If you are newlyweds or a young family, a family floater plan may suffice for your case.

Since medical emergencies are relatively infrequent at a young age, the premium is lower, and the cover is adequate. With time, as your family grows and the insured members' age increases, it is essential to take out individual insurance specifically catering to their health needs.

How much should your policy be for?

As medical inflation continues to rise, adjustments need to be made to these figures to accommodate any potential situations where a claim may need to be made. A cover of 5 lakhs should be the minimum for families with young adults. Since risks are fewer at this stage, premiums are also lower, and the amount is adequate to cover general medical bills.

With the increase in the insured members' age, the policy amount and premiums also increase. However, they do not rise proportionately, making it easier to purchase a higher-value plan at a relatively low increase in the annual premium amount. It is also necessary to factor in living costs and adjust these figures accordingly.

What is covered, and what is excluded?

While they are a convenient means of protecting your entire family without having to pay individual premiums for every member, there are certain exclusions to a health insurance policy for family that you must be aware of.

They generally include psychiatric medical expenses, provide annual health check-ups to all covered members, and even cover maternity-related costs. However, babies younger than 91 days and children over the age of 18 years cannot be included under family floaters. It also excludes any pre-existing medical conditions for which a separate cover needs to be purchased. Health insurance policy for family also has a waiting period, during which the insurance providers do not compensate for any expenses incurred.

A health insurance policy for family is a straightforward tool that protects your entire family at a low premium value from any medical contingencies. By attentively checking the inclusions and exclusions of the policy, one can ensure comprehensive cover for their family to combat health emergencies without any worries about finances.

Click HERE to buy the best health insurance policy for 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.

As we progress, we are moving towards better options in all aspects of life. Advancements in medical science over the last few decades have resulted in ground-breaking discoveries and the latest med-tech developments. The constantly evolving world of medicine has resulted in innovation in the dental industry. This discovery came in the form of clear aligners, which are the latest trend. Orthodontists globally suggest them as they are better suited for many reasons, making them preferred over traditional braces. But why are they so popular? What makes them different? We will discuss them all in this article.

Clear aligners are still an upcoming trend that many may not know. Due to this, we will help you walk through these unique orthodontic devices and how they straighten your teeth. Regardless of your dental problems, you should always have the best health insurance policy in India to cover all your medical expenses. Now, let's understand the benefits of clear aligners.

What are clear aligners?

Clear aligners can fix misaligned or unorganised teeth placements. After conducting an intraoral scan, orthodontists can determine the problem with your teeth and possible solutions. Made with cutting-edge 3D technology, each aligner is customised according to the patient's needs. The aligners move the teeth into place gradually without causing pain. The time taken to do so depends on the unique condition of every individual.

What are the benefits of clear aligners?

1. Maintains oral hygiene:
With clear aligners, you can maintain your dental hygiene without any hassles. You can remove them as per your will and then brush your teeth meticulously without fear. On the other hand, you need to clean carefully when you have your braces on. Braces can cause dental problems as you cannot brush your teeth well. It can lead to other oral problems like bad breath and cavities.

2. Freedom to eat or drink anything:
Braces bring several dietary restrictions and place constant pressure on your teeth. However, you will feel nothing with aligners, as they are removable. You can eat or drink to your liking.

3. Practically invisible:
It is very difficult to spot clear aligners. They are almost entirely invisible. This means that you need not inform anyone about your orthodontic treatment. In stark contrast, metal braces are easy to notice. This can be a matter of embarrassment for many adults and teens.

4. No operational hassles:
The whole process of getting metal braces done can be tedious. It requires regular monitoring and tightening to keep you comfortable. If any wire is left unopened, it can lead to ulcers in your mouth. With clear aligners, this is not a problem. It does not require any tightening during doctor appointments.

5. No obstruction to teeth whitening:
Metal braces can force you to compromise on your dental hygiene. This can lead to the loss of a pearl-white smile. You may also notice plaque formation as a result of bacteria growth. If left untreated, you may have decayed teeth, bleeding gums, and other problems. To avoid this, switch to clear aligners, which pose no threat to your white teeth in any way. You can brush them whenever you want and not fear being cautious around metal wires.

Clear aligners are the future of dental science. They are highly effective, consume less time for fitting, and show results sooner than metal braces. With advancing times, most people will switch towards clear aligners to treat their teeth. In any medical situation, purchasing the best health insurance policy in India may help you cover the procedure's cost.

Click HERE to invest in the best health insurance policy in India.

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

Many of us feel shoulder pain when we try to remove our wallet from the back pocket or reach for something overhead. If you experience pain or stiffness in your shoulder joint while moving or resting, you most likely have a frozen shoulder.

Many treatment options, such as pain control medication and simple exercises, are available for frozen shoulders. If you diagnose a frozen shoulder early, you can treat it more quickly with the appropriate care.

Let's first understand the frozen shoulder and its symptoms for an early diagnosis and treatment!

In the shoulder, three bones named the scapula, clavicle, and humerus join together to form a ball and socket joint. These bones are surrounded by tissue that holds everything together. When a person suffers from a frozen shoulder, the tissue thickens and hardens, causing mobility loss. It also causes scar tissue formation, further restricting the shoulder's movement.

Frozen shoulders, also known as Adhesive Capsulitis, can cause discomfort in the arms, making simple activities such as taking a shower or getting dressed almost impossible. More symptoms of a frozen shoulder include stiffness and loss of freedom of movement. Depending on the severity, these symptoms may last from 18 months to three years. In some cases, people with frozen shoulders regain their mobility after three years without needing treatment.

However, it is best to see a specialist and get some relief from the pain. You can use several treatment methods and tips for fast recovery.

What causes frozen shoulders?

Knowing the cause helps you reduce the chance of developing a frozen shoulder. The main causes include inflammation, scarring, shrinkage, and thickening of the shoulder tissue that encloses the joint.

People with medical conditions such as chronic shoulder arthritis, diabetes, and who have recently undergone breast surgery are at more risk of frozen shoulders. Some shoulder injuries also cause frozen shoulders. Did you know that inactivity of your shoulder can result in frozen shoulders? Women are more likely to experience frozen shoulders than men.

If you think you are at risk of a frozen shoulder or suffering from it, you should get health insurance to cover your medical treatment in the future. You can instantly find and choose the best health insurance policy among several online health insurance companies.

Treatment for frozen shoulder.

The effective treatment options for a frozen shoulder include;

● Physical therapy:
It involves the stretching of the shoulder joint to regain lost movement. You need to exercise daily for a few weeks to nine months to experience a full recovery.

● Medication:
Doctors recommend taking painkillers and steroid injections to reduce joint inflammation and pain. You should consult your doctor before taking painkillers, as not all painkiller medications suit everyone.

● Home care:
Getting adequate care at home is necessary for quick recovery. You can use a hot or cold compression pack to relieve pain.

● Surgery:
If your condition does not improve with the above treatment methods, your doctor may suggest surgery. Surgeons use manipulation surgery to stretch and release the stiff tissue of the joint.

Frozen shoulders are a painful condition, and their treatment needs adequate care. Understanding the frozen shoulder and its cause is crucial to reduce the risks. Moreover, recovery from a frozen shoulder can take less time with proper treatment but can be expensive for most people. You can save yourself from paying hospital bills and other treatment costs with the help of health insurance. Several online health insurance companies offer insurance policies that provide specialised coverage for critical illnesses and surgeries.

Click HERE to purchase the best plan from the online health insurance companies for you and 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.

Cycling is a fun exercise with many benefits for everyone. The younger generation is fascinated with cycling adventure, and they usually ride their bicycles in their vicinity and even plan passionate cycling tours to thrilling destinations. But did you know that cycling also benefits and excites older adults? It is an excellent way of keeping older adults fit, healthy, and engaged without putting too much pressure on their bodies.

*Pro-tip
If you want your parents to be protected from the possibilities of heart diseases and cancer, make them indulge in cycling as it helps reduce the risk of these adverse medical conditions. Another great way to ensure a healthy lifestyle for your ageing parents is to buy the best health insurance in India and provide vital financial support during medical emergencies.

Now, let's see some interesting health benefits elders can enjoy by cycling regularly.

1. Boost the immune system:
Elders have a weak immune system; as they grow old, they produce fewer T-cells, essential to fight against diseases. Cycling helps maintain the production of T-cells in older people, which boosts their immune system. It also helps older adults to preserve their strength and muscle mass to stay energetic throughout the day and feel less lethargic in doing any activity.

2. Good for the heart and body:
Cycling is excellent for the cardiovascular health of the elderly. It reduces the risk of severe health conditions due to heart disease by 45%. The elders who ride bikes regularly get their cardiovascular health increased by 3 to 7%. Riding a bicycle for 30 minutes also helps reduce the risk of several other medical conditions, like kidney disease, diabetes, and colorectal and lung cancer.

3. Slower ageing:
According to a study, high intensity cycling or other exercises can result in slower ageing. Older adults can enjoy the anti-ageing benefits by setting up a daily cycling routine. It is essential to maintain mitochondrial capacity as its decline can lead to physical deterioration. Cycling is excellent for increasing mitochondrial capacity.

4. Deal with fat:
Excessive accumulation of fat due to lack of physical activity can increase the risk of health problems like stroke, type 2 diabetes, and heart attack in the elderly. As they grow older, exercising to lose weight becomes a little complicated. But cycling doesn't put much pressure on the body. Elders can easily lose fat and weight with regular cycling with less effort and maximum benefits.

5. A good stressbuster:
Stress is a general issue that bothers younger and older adults for several reasons. This stress becomes the underlying cause of several other health complications. Hence, it becomes crucial to control stress to improve an individual's mental and physical well-being. Group activities like cycling are enjoyable as cyclists can meet new people with similar interests. It helps elders find companionship and keep themselves cheerful.

6. Good for joints:
Walking and running become challenging as people get older. Seniors usually suffer from injured joints, and putting too much pressure can worsen their condition. Cycling is ideal for elders as it puts less stress on their joints. According to a study, cycling improves the condition of knee pain and osteoarthritis in older adults.

7. Build strength and stamina:
Cycling helps seniors build knee muscles and improve their stamina. It is a whole-body workout that helps older adults maintain their strength and endurance. It also enhances the mobility of individuals and helps them keep their bodies in the best shape.

Once you understand the significance of cycling, encourage your elderly to get involved in this activity. It helps elders meet new people, essential to improving their mood, and gives them a new direction to live their retirement life with enthusiasm.

Indeed, cycling improves the health condition of elders and provides them with the reward of a fitter lifestyle. Gift the elderly with the additional coverage of the best health insurance in India. Insurance supports financially by covering the diagnosis, hospitalisation, medical, and ambulance fees, releasing massive stress from older adults to deal with their health complications.

Click HERE to buy reliable health insurance in India for elders.

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.

Abdominal pain is a prevalent issue of concern worldwide. The common causes of abdominal pain are gas, indigestion, and constipation. They don’t require urgent medical care, and you can get relief in a few hours. However, there may be more serious causes of abdominal pain, like urinary tract infections, kidney stones or infections, and even appendicitis which can be serious.

These are some causes for which you must seek immediate medical help. If the cause for your lower abdominal pain is an inflamed appendix, more often than not, you may have to undergo appendix surgery. The surgery cost is high, making it essential to buy health insurance online. While health insurance covers medical expenses, taking precautionary measures and being aware of its symptoms is necessary.

Let us understand lower abdominal pain caused because of appendicitis more clearly.

What is appendicitis?

Our large intestine has a pouch-like structure at its beginning, known as the appendix. The appendix sometimes becomes inflamed and fills with pus, causing immense pain. This situation is called appendicitis. It is treated with antibiotics and must be removed through surgery.

You should not ignore severe and persistent lower abdominal pain as it may be a sign of appendicitis. It can be dangerous and result in a ruptured appendix that can cause severe infection when ignored.

What are some common symptoms of appendicitis?

If you regularly suffer pain in your right lower abdomen area for a prolonged period, it is time for you to visit a good doctor. Also, the severity of pain eventually increases if not diagnosed early. Other symptoms of appendicitis include nausea, vomiting, fever, and loss of appetite.

What are the associated risks of appendicitis?

When the appendix becomes blocked and inflamed, bacteria multiply in it. The appendix can start swelling, along with pus formation. This causes painful pressure in the lower abdomen. It can also block blood flow. Not only does appendicitis cause immense pain and trouble, but bacteria can spill into the abdominal cavity with the bursting of the appendix. This can result in developing life-threatening infections.

The pain caused by appendicitis is usually so severe that it can even wake us from sleep. It can worsen within just a few hours and may require immediate hospitalisation.

How is appendicitis diagnosed?

There is no specific test to diagnose appendicitis. The doctor first understands the symptoms and your medical history. He will physically check for swelling or rigidity of the lower right part of the abdomen. He may also perform a digital rectal examination.

The doctor may ask you to get a few more tests done to ascertain the occurrence of appendicitis. This may include blood tests, urine tests, and abdominal imaging tests.

How to prevent appendicitis?

There is no way by which we can fully prevent appendicitis and the subsequent pain that it causes in the lower abdomen. But having a high-fibre diet can help reduce the chances of appendicitis. Additionally, increase the intake of fresh fruits and vegetables, lentils, beans and other legumes, split peas, brown rice, whole wheat, oatmeal, and whole grains. Consider the intake of some fibre supplements with the approval of your general physician to ensure a well-balanced diet.

One should never ignore lower abdominal pain as it can be a sign of appendicitis. The pain and uneasiness can lead to fatal infections. Since such ailments are beyond control, one should focus on safeguarding their health. Buy health insurance online with comprehensive protection to cover the costs of treating appendicitis without feeling a pinch on one’s wallet.

Click HERE to buy health insurance online 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.

With globalisation, the world has become a closely-knit village. It isn't easy to imagine a life without an international supply of goods and services that provide both convenience and luxury. However, while the flow of capital and ideas has been facilitated with the ease of internet transmission, transporting goods and services continues to take time and money.

With the expansion of international trade and travel, there is great emphasis on transporting goods most cost-effectively in the least amount of time. In such a backdrop, freight companies have seen an increased demand for overseas cargo shipments. They pay great care to ensure that your cargo reaches its destination safely by taking adequate measures to minimise risks.

On an individual level, you can ensure that the cargo is protected against any incidental damages by following the tips given below.

1. Proper packaging:
For an international shipment, the most significant issue is the risk of damage while in transit. It is best to take preventive methods while packing the goods instead of blaming the freight company after the loss has been faced. It is essential to choose the right packing supplies and ensure they are securely packed.
Also, consider the handling of the cargo while packing. Since it is known that goods are stacked on top of one another and moved using transporting vehicles like forklifts, ensure that your packaging is resistant to rough handling and is stackable. Keeping these in mind will ensure that your goods remain safe and your packages are easy to deliver.

2. Attention to fragile items:
No matter how much emphasis is placed on fragile items, it is inevitable to discover minimal damage to such delicate goods. While there is no way to eliminate the risk, proper packaging can minimise such losses.
Ensure that the package indicates the delicateness of items inside so that it is handled with care and cushion using adequate protective supplies. Consider purchasing insurance for fragile items offered by freight companies, similar to buying a fire or marine insurance India.

3. Internal cushioning:
It is known that freight companies transport large volumes of cargo daily. With such large numbers, it is difficult to ensure that each package is transported without damage. Therefore, customers should take preventive measures at the packing stage to minimise damages by providing adequate internal cushioning to the goods using bubble wrap, packing peanuts, and extra supplies to ensure the structural safety of the package.

4. Weight limitations:
Transportation charges are based on the weight of your cargo. Ensure you are not penalised by weighing your packages appropriately while filling out documents. A wooden crate may add to the weight of your parcel and increase shipping charges, but it ensures that your goods reach their destination securely.

5. Customs and Duties:
Each country has its own set of rules regarding imports. Ensure that your cargo fulfils the criteria of the destination country, the necessary documentation is filed in the proper order, and prescribed fees are paid.

6. Mode of transportation:
Factor in the cargo's nature, fragility, perishability, and delivery due date before selecting a suitable mode of transport for the goods to be delivered. For example, shipping by sea, although takes longer but is a cheaper option. By considering such factors, it is necessary to determine the best route of transport.

7. Proper insurance:
Since your cargo is set to travel long distances in uncertain conditions, it is best to purchase an insurance policy for your shipment to prevent shouldering any loss of goods in transit. Irrespective of the mode of transport, several policies like air cargo insurance and marine insurance India can minimise such losses.

International transport of goods has become an inevitable part of the modern supply chain. While freight companies are considered risky, however, with mechanisms like marine insurance India, you can share such risk with the insurer and safeguard your finances. Keep the above tips in mind, purchase the right insurance, and get ready to send your cargo overseas.

Click HERE to buy the reliable marine 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.

As the world revolutionises and turns towards more eco-friendly options, the emergence of Electric Vehicles, or EVs, has also come to the limelight. They are not only cost-effective but a good eco-friendly riding option. They help in the reduction of harmful gases in the atmosphere. It keeps the balance of the environment intact. This, in turn, helps maintain the balance of global warming. The Indian Government has also prioritised shifting all vehicles plying on Indian roads to electric vehicles or EVs by 2030.

To make this possible, a lot of steps have been taken. The government wants to make EVs affordable, usable, and accessible to all. Are long charging hours stopping you from buying an EV? Batteries make up 40-50% of the cost of every EV right now. Additionally, battery charging can also take long hours. Hence, battery swapping was established as a plausible solution.

The battery-swapping policy was introduced in the 2022-23 budget. Let's find out more about it.

What is the new policy of the Indian Government?
The Indian Government has released a new policy focusing on two and three wheeler vehicles with electric-powered engines. The main purpose behind the policy introduced by NITI Ayog focuses on swapping the batteries instead of charging them. It is not only cost-effective but also ensures good time management.

How is swapping batteries better than charging?
There are a variety of merits that you can derive by swapping the batteries instead of charging them. These are

● Time management:
It is a known fact that charging batteries can be an extremely tedious process. It takes approximately an hour or more to charge a battery completely, which can be a waste of time if you are in a hurry. Instead, if you swap the battery, it will only take you a few minutes. It is because the batteries will already be charged.

● Space management:
The chargers that are present at the charging stations are furiously slow. Moreover, they can only charge one vehicle at a time. Instead, if you swap the batteries with a pre-charged one, you need not wait for your turn to charge. All the discharged batteries can also be charged once and used when ready.

● Cost-effective: Batteries can be costly, which limits the consumers to buy an EV. With the swapping of batteries, the batteries will be available on a subscription basis. This was done to make batteries and EVs affordable to all.

● Less anxiety:
One major issue with EVs is running out of charge before the destination. If the battery swapping stations are set up successfully, this will not be an issue anymore. You can easily swap the batteries in minutes and go to your destination without hassles.

These are some clear pointers on why battery swapping is a game-changer for EVs. The Government is trying its best to establish EVs as the future of India. We should also do our share in making the world free from pollution and carbon emissions. With methods like battery swapping, EVs can be more accessible and affordable. Make sure to buy car insurance policy online to keep your EV safe and sound. Contact your insurance provider to understand the terms and conditions better while covering an EV.

Click HERE to buy car insurance policy online for your EV.

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.

When purchasing insurance, people check the plan's conditions, coverage, and exclusions. A good insurance agency offers the best plans and benefits to its customers. But do you know how to identify an excellent general insurance company? If you want insurance for your home, business, or automobile, you must determine the best insurance agency for your requirements.

Here are some clear signs that help you choose a good insurance company.

1. Problem-solving:
A good insurance company can come up with creative solutions to your problems. You should ensure that the agency helps its clients with the right insurance plan according to their needs. If you get the right solutions, the insurance company is rated outstanding.

2. Genuine:
You should know that unethical insurance agents only stay in business for a short time. You can check the experience and reviews of old customers of an insurance company to determine whether they are transparent & genuine.

3. Ease of doing business:
If you can easily access an insurance company's product, you can put them in the category of a good insurance company. Some other factors that make the interaction between clients and insurance agents more seamless include online claim reporting, online bill pay, billing questions, policy changes, 24x7 customer service, and social media platforms.

4. Vast technical knowledge:
An excellent general insurance company knows how to sell its policy and win its customers' trust. You should expect that your insurance agency can instantly answer all your insurance, law, and tax queries. They must know income tax preparation, financial planning, and some other avenues of financial service to help their clients with their financial situations.

5. Customers delight:
You will feel encouraged to buy their product when you meet an agent or a team from a good general agency. Most good insurance agents are eager and excited, which makes it interesting and easier for clients to understand the details of their products.

6. Emotional intelligence:
If your insurance agency listens and empathises with clients, they can help you clear up your financial situation when you encounter a loss due to an accident. A good insurance agent is sensitive and able to understand the needs of their clients.

7. Good customer service:
Customer service doesn't mean being available at all times, but it should also solve your problems and satisfactorily answer your questions. Check whether the customer care team timely responds to their client's inquiries via phone, chat, or video calls. You may also go through the company's online reviews to get a clearer picture of their customer service.

8. A wide array of products:
If your agency offers comprehensive products and services that meet your specific needs, you can call them a good insurance company. You should check that they offer a wide assortment of general insurance, including motor, health, home, travel, commercial, and more. You should also look for optional features in the general insurance plan and decide on its requirements to get comprehensive coverage.

9. Sense of urgency:
A good agency has robust SOPs and processes for quick insurance approval. Consider the agency's time to explain its products and services, the application process, and other factors. You should check how fast your insurance agency can provide the claim money when needed.

Look for these signs in your general insurance company and decide whether they are the best agency for you. Choose the right insurance company that offers a wide array of general insurance products. You can benefit from the insurance plan if you encounter a loss or damage to your life, vehicle, home, or business.

Click HERE to know more about the best general 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.

If you're looking for answers to some frequently asked questions about two wheeler insurance, look no further. According to the Indian Motor Vehicles Act, every two-wheeler and four-wheeler owner must have third-party coverage. As a result, you must get either standalone bike insurance or a comprehensive bike insurance plan if you wish to cover the damages your bike sustains in accidents.

Many individuals need clarification on the numerous facets of a bike insurance policy. Therefore, we are addressing many concerns about a two wheeler insurance plan in this post in the form of some frequently asked questions.

1. What paperwork is necessary to submit an insurance claim for a two-wheeler?
Depending on your coverage and the damage experienced, you may need specific papers to submit a two-wheeler insurance claim. However, the necessary documents required to submit a two-wheeler insurance claim are summarised below:

● A current insurance policy agreement

● R.C. papers

● Driving licence copy

● As reported to the local police, a First Information Report (FIR)

● Pictures that were taken at the scene of the accident

● Other supporting records, if any

2. How much is my two-wheeler worth, and how is that determined?
Insured Declared Value (IDV), to which you are referring in this sentence, is the maximum sum for which you will be compensated if your two-wheeler is stolen or lost in its entirety. The manufacturer's suggested retail price determines the IDV of two wheeler, which is then depreciation-adjusted. Similarly, the IDV for non-factory-installed items is determined separately if they need to be added to the coverage at an additional expense.

3. What steps are involved in renewing my bike insurance?
Nowadays, it's effortless to renew your bike insurance thanks to the online renewal process of two-wheeler insurance. Most insurers notify the policyholder of the policy's expiration date in advance. Therefore, to renew your bike insurance online, go to the insurance company's website and complete a few easy steps. In addition, you can renew the insurance offline by going to your insurer's office or getting in touch with customer service.

4. Which situations fall under a bike insurance policy's exclusions?
The policy wordings for bike insurance coverage include specific information about the exclusions. Before purchasing your bike insurance policy, reading and comprehending the exclusions is crucial. It is advised to get clarification if there are any questions about the exclusions in your bike insurance policy.
Here is a list of typical exclusions that can be encountered while filing a two-wheeler insurance claim:

● Getting behind the handlebar when intoxicated

● Riding a motorcycle without having insurance

● Driving without a valid licence

● Nuclear risks-related harm

● War-related damage

5. What kind of additional coverage is offered for my two-wheeler?
You must purchase comprehensive coverage that includes any injury or damage to a third party and any harm to your two-wheeler if you want to protect it adequately. Similar to the above, an add-on policy like Zero Depreciation would guarantee the total amount of your valid claim is paid without considering the depreciation factor.
Repairs and replacements of certain parts made of plastic, fibre, glass, etc., are priced on a depreciation basis under IRDA regulations.

6. Where can I find the policy number for my bike insurance?
When you purchase a two-wheeler insurance policy, you will receive policy documents having the policy number for your bike insurance. The correspondence letters, emails, etc., that your insurer sends you regularly include your bike insurance policy number as a reference.

7. Why should I purchase online two-wheeler insurance?
The advantages of purchasing insurance online include the following:

● Comparing prices and assessing coverage alternatives on a free and user-friendly platform.

● A quick and helpful customer service team can address any issues.

● Post-sale services that are prompt and trustworthy.

● Assistance with the claims and related issues as soon as possible.

These are the most commonly asked questions when purchasing bike insurance which offer you good clarity about the application process, claim settlement, premium, inclusions and exclusions, types of bike insurance, renewal details, and much more. Let's get ready to buy your bike insurance today!

Click HERE to buy bike insurance and stay stress-free.

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.

Tulsi is a popular houseplant in India and is worshipped by people as a religious practice in different parts of the country. You can find a dedicated area for the tulsi plant if you visit the traditional Indian houses. But things have changed a lot nowadays, and people have also started keeping a tulsi plant in their apartments for its many benefits.

Having a tulsi plant at home can have many benefits, including calmness and happiness to the house. According to the ancient Vastu Shastra and Ayurveda, tulsi can benefit you in the following ways:

1. Tulsi leaves have medicinal values:
According to Ayurveda, tulsi leaves contain various medicinal properties. Taking tulsi leaves with honey can heal common coughs and colds. Moreover, tulsi leaves possess various natural antioxidants that kill free radicals in the body and improve the immune system. Regular consumption of tulsi leaves can help manage stress and high blood pressure. Notably, tulsi leaves feature multiple benefits without any side effects on your body.

2. Bring happiness to marital life:
It is believed that maintaining a tulsi plant in the east or northeast corner of your home can bring positive energy. As per the Vastu, a tulsi plant eliminates stress and brings happiness to your conjugal life. Gradually, your life will become happier and more peaceful.

3. Tea with tulsi leaves:
Tulsi can make your tea more refreshing and nourishing. Restaurants usually use dried basil to prepare such tea. But you can use fresh leaves if you have a tulsi plant. Tea is a source of various antioxidants, which improve your immunity, and when you add tulsi to it, the level of such minerals and antioxidants increases. The combination of tulsi and tea creates a warm beverage with many health benefits.

4. Insect repellent:
Many homeowners find themselves subjected to frequent insect attacks, and it often becomes annoying to tackle them. People use different kinds of toxic chemicals to remove insects, though these chemicals may harm pets and children in the house. Tulsi is a natural insect repellent, and your house can stay protected from mosquitoes, flies, and many other insects if you have this plant in your balcony garden.

5. Tulsi brings prosperity:
In Hindu mythology, the Tulsi plant has been represented as the form of the goddess Lakhsmi. So, it is believed that having a tulsi plant in the east or northeast part of the home brings good luck and prosperity. Having a tulsi plant in the house can protect you from unnecessary financial expenses. Also known as the queen of herbs, the tulsi eliminates negativity and spreads positive energy to the home.

How can you have a tulsi plant in your apartment? The tulsi plant needs direct sunlight for 4-5 hours a day. You can keep it on the window sill or balcony, where it can receive a good amount of sunlight.

So, these are some benefits of having a tulsi plant at home. Overall, people believe that tulsi brings peace, happiness, wellness, and good luck to a house. Your house will become a more beautiful place to live, though you must remember to invest in the best home insurance policy in India for financial peace during unexpected circumstances.

Click HERE to buy 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.

From commuting to the office to planning a road trip with friends, having your vehicle is a worthwhile investment. However, there are certain rules and regulations you should keep in mind when driving a vehicle. A valid driving licence and insurance are essential to driving a vehicle on Indian roads, and vehicles that lack these important documents are subjected to fines and punishments.

But there are times when you can lose your motor insurance policy documents accidentally. What should be the right measure in the situation? While, your insurance company will guide you through the whole procedure, we help you here with all the basic things to keep in mind.

What are the immediate steps to take after losing your insurance papers?

If you've misplaced or lost your insurance papers, then the immediate steps to take are mentioned below:

1. File an FIR at the nearest station:
The First Information Report (FIR) is important for obtaining duplicate insurance papers. Once you have lost your insurance papers, go to the nearest police station and file an FIR. Report all the necessary details to the officer in charge. Once you've done that, get a copy of the report to keep with you.

2. Apply to the insurance company:
The next step involves the submission of the application to your insurance company. You must submit a written application with details like the policyholder's name, policy number, kind of coverage, and date of issuance, among others. You should also mention the reason for the loss of the documents. The application also requires the photocopy of the FIR to be provided with the documents.

While there are no restrictions on claim filing, it may not be a good idea to do so frequently for the reasons mentioned below:

3. Publish an advertisement:
It is also required to publish an advertisement announcing the loss of your insurance papers. It is to be done in a newspaper so that all the details can be covered for a wider reader base. The details to be included are:

● Registration number of the two-wheeler

● Insurance policy number

● Name of the insurance company

● Name of the policyholder

You will cover the cost of it all. Once the newspaper publication is done, attest a copy of the same with the other documents to the insurance company.

4. The signing of the indemnity bond:
The last step is a bit complicated. Through this, you will be asked to sign an indemnity bond. It will be done on a judicial stamp paper and requires your signature. This bond will be your official request to the insurance company for issuing the duplicate policy documents of your insurance. This bond also states that if you find the original policy documents, you will inform the insurer and return the documents. The signing should be done with the presence of two witnesses. All the necessary details should be provided as well.

After the bond is signed, the insurance company will investigate the matter and verify everything. Once everything is done, a duplicate set of insurance papers will be issued to you.

Following these steps will get you the duplicate papers of your motor insurance in case you've misplaced or lost it. Make sure to apply to your concerned motor insurance company in India to avoid further delays. Also, always be alert and keep your insurance papers safe to minimise the risks of theft or misplacing them.

Click HERE to buy insurance from 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.

Technology has significantly advanced in recent years, with almost all businesses, including the auto and insurance industries, adapting to technology principles to drive better results and more scalability.

While the auto industry has made great strides in autonomous driving, the insurance sector has also started to offer motor insurance plans that charge customised premiums using various telematics systems. After being extensively available in many nations worldwide, these insurance policies have recently become popular in India.

What impact does telematics have on the motor insurance sector?

Telematics, once a specialised element, is now permeating the mainstream of the car and insurance industries. A growing number of motor insurers have started to give customers the choice of usage-based insurance with telematics.

The automobile sector is experiencing an acceleration in innovation because of the surprising boost of the Internet of Things (IoT) and Artificial Intelligence (AI), which are creating new opportunities to enhance customer experiences. Telematics-powered usage-based insurance (UBI) is a key component of this push toward digitalisation.

How does it work?

GPS and other technologies are used by telematics to track user driving through a gadget put in the car or a mobile app. You might reduce your rate by driving more safely with telematics or GPS box insurance.

The telematics model initially gained popularity in the auto insurance industry because of its capacity to monitor vehicle usage using devices that can be operated using smartphones. Usage Based Insurance (UBI), a recent development among auto insurers, offers four distinct types based on driving behaviour:

● Pay As You Drive

● Pay How You Drive

● Control Your Drive

● Distance-based insurance

How is the cost of insurance determined using telematics?

Traditionally, the type of your car is one of the factors considered when determining the rate for your motor insurance policy. As a result, if two people own the same make and model of car, their insurance premiums will probably be similar. But what if one of the two drivers is a more sensible and responsible driver? Should they still be subject to the same premiums?

A usage-based or telematics-based auto insurance coverage can be useful in this situation. In a usage-based auto insurance policy, the insurance providers use various telematics tools and connect them to the vehicle's GPS. They can monitor the drivers' driving behaviour and reward them with benefits. The device tracks your car's mileage, average speed, gasoline consumption, fuel economy, and driving safety.

The gathered information is sent to your insurer over the cellular network. Your insurance premium is determined after the insurance provider analyses the data it has received. Your motor insurance premiums will be lower if you drive safely or do not use your car frequently.

Challenges:
Insurers can use telematic devices to gain information about a customer's driving habits because they capture real-time data. As telematics devices need to be added to or retrofitted into cars and data needs to be collected and kept, this raises data privacy issues. Before being subjected to extensive analysis to produce actionable insights, data is frequently shared with several parties.

Benefits of telematics insurance:
Telematics in auto insurance may significantly reduce friction throughout the insurance supply chain, particularly underwriting, customer service, and claims management. One potential result from telematics as a whole is a considerably closer bond with insurers and the consumer base that boosts customer loyalty.

How is telematics transforming the future of motor insurance?
Every business, from the car to aviation, has embraced technology to create cutting-edge products that will win over customers. Like other businesses, the insurance sector has begun integrating modern technologies into its daily operations to make it simpler for customers to access and purchase policies.

Speaking of the motor insurance industry, it has seen a significant transition recently. Technology has significantly impacted this sector, from IoT telematics-based premium computation to new insurance products. The change will be evident soon and will reap exceptional outcomes.

Click HERE to buy the best motor 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.

Most people are familiar with motor insurance, its benefits, and its exclusions. It is an efficient financial instrument that supports us when our insured vehicle encounters an unfortunate incident. Motor insurance comes with many optional coverages that may be useful to you. Did you know about the Return to Invoice or RTI coverage? Choosing this coverage while you buy motor insurance online can be a great help. Let's learn more about RTI coverage, its benefits, and its functionality.

What is "Return to Invoice" in motor insurance?

Return to invoice is an optional coverage for your car insurance. It lets you get money equal to the car's original value, also called the invoice value. This coverage is not required by law, so you can buy motor insurance online and include RTI coverage as an add-on. It is an application you use when your car faces total loss, such as if someone steals it or it gets fully damaged by fire or a natural calamity.

How does it work?
In normal car insurance coverage without an RTI add-on, you can get the maximum claim amount as your car's "insured declared value" (IDV). IDV is always less than the invoice value of the car.
However, with car insurance having RTI coverage, you can get the maximum amount of claim on the invoice value of your car. In simple words, when you have RTI coverage in your car insurance, you can get the road value of your car when it is stolen.

How is it calculated?
You can easily determine the amount of insurance that comes with RTI by looking at the car's total price when you buy it. The return to invoice includes the total car price, such as road tax paid, ex-showroom price, and registration cost.

What is covered in Return to Invoice?
If your car gets stolen or damaged beyond repair, you can raise a claim against the RTI. Let's look at the different circumstances when this coverage can benefit you:

● When you don't have secured parking

● Living in an area where car thefts are common

● Living in an area prone to natural calamities such as floods, landslides, and more

What does not apply in the Return to Invoice?

Sometimes, the RTI cover may not work, and you can't claim the insured amount. Here are some situations when this cover is not applicable, including:

● Damage to your car when someone else is driving

● You can't avail RTI add-on if your car is older than 3 years from the buying time

● You can't avail of the RTI cover for minor dents and grazing on the car body

● You must submit a copy of the FIR to process the return-to-invoice claim

Benefits of Return to Invoice in motor insurance.

Some benefits of RTI in car insurance include:

● It increases the scope of your car insurance coverage

● It is beneficial when you live in an area where car thefts are common

● It is available for new cars. Hence, you can give your new car more care with this cover

● It is available with a comprehensive car insurance policy

Once you understand everything about the Return to Invoice, consider adding this optional cover. RTI can help you when your car is damaged beyond repair. If you live or park your car in a place where theft, natural calamity, or fire is common, you should add RTI to your policy when you buy motor insurance online.

Click HERE to buy motor 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.

A cashless garage facility is one in which an insurance company has a tie-up with a garage. Whenever you meet with an accident or file an insurance claim for repairs, you will not have to settle the bill in cash at these garages. The insurance company will directly pay the bill. However, you have to bear some nominal charges for processing the claim. Also, some compulsory deductibles exist as per the insurance policy’s terms and conditions.

Not all garages will have a tie-up with your respective insurance company. The list of network garages is easily available with your insurance company. You need to verify it with your insurance provider and search for the nearest garage that will provide you with a cashless facility. Let us see how a cashless garage facility can be helpful to us.

1. Hassle-free claim settlement:
Insurance companies are directly connected to the network garages. Hence, you do not need to visit multiple garages to complete the repair work. You can directly go to the network garage after informing the insurance company, provide the required documents, and that’s it! The garage will take it over, and the insurance company will settle the bill. The entire claim settlement process becomes hassle-free.

2. Prompt service:
As mentioned above, not all garages are covered in the cashless network list of the insurance company. Hence, listed garages provide prompt and good quality repairs and renewal services to maintain harmonious relations with the insurance company. This can be helpful to you, and you’ll get quick service and timely delivery of your vehicle.

3. No cash payout:
This is one of the most important benefits of a cashless garage facility. In the non-listed garage, you have to settle the entire bill in cash at the time of delivery of the car. Accidents do not come informed. Hence, such sudden bills can put you under a financial burden. The repair costs of modern-day cars are hefty and can cost several thousands of rupees in one go.
A cashless garage facility will release this financial burden from you, and you’ll not have to pay any repair costs from your pocket. Minor documentation and deductibles charges can be easily met. This facility makes the claim settlement process swift, and you do not have to worry about footing the repair bill.

4. Transparent billing and quality service:
The insurance company and its surveyors are in constant touch with the network garage. They provide a big chunk of work to the garage regularly. Hence, the network garages abstain from committing any fraud, using sub-standard components and parts, or engaging in over-billing while repairing cars. Hence, we are assured of fair and transparent billing and top-notch service.

A cashless garage facility is a blessing for all vehicle owners. It makes the claim settlement process convenient, hassle-free, and fast. Also, it relieves us from paying sudden and heavy repairs and renewal charges when our car meets with an accident. We get quality work at reasonable prices.

But first, you need to have a valid and functional motor insurance policy for your vehicle to enjoy a cashless garage facility for it. Always renew your insurance policy on time and never let it expire because accidents do not announce before occurring. Opt for online motor insurance renewal, which makes the renewal process effortless. You can do it from the comfort of your office or home, at any time of day or night. Also, you are saved from the hassle of meeting with the insurance agent or going to the insurance office for renewal. Go the modern way; choose online motor insurance renewal.

Click HERE for hassle-free 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.

In India, awareness about motor insurance has grown significantly in the last few years. The number of insurance policyholders is slowly but steadily increasing. The increasing means of living and demand for luxury goods to improve convenience are anticipated to keep driving the market for motor insurance. Comprehensive motor insurance consisting of own damages and third-party covers is expected to grow more in the coming future.

Third-party liability insurance is mandatory to protect the driver against legal and accidental liability, financial loss or property damage, and medical expenses he may face after an accident. Despite its advantages, settling claims is a lengthy and costly procedure. The knock-for-knock agreement is a recently introduced aspect of motor insurance to simplify the process and increase the policyholder base and satisfaction.

This blog discusses all you need to know about the knock-for-knock agreement.

The issue before the knock-for-knock agreement:

When an accident happens, the persons involved can contact their insurance companies to compensate the other party for damages. However, this is a lengthy procedure that may sometimes take months to settle with unfavourable conditions. It is also still being determined whether or not the insurer will accept the claim.

In the background of such uncertainties, the affected party has no choice but to file a suit in court, which takes additional time and cost. The knock-for-knock agreement aims to eliminate this waiting period by providing an alternate solution to settle the claim among the parties without the court's involvement.

An alternative approach using a knock-for-knock agreement:

The knock-for-knock agreement is signed by two or more motor insurance companies insuring two or more parties involved in a motor accident. Since these companies are aware of the tedious claim settlement process, they use this alternative agreement and promise to bear the expenses for repairs or damages to their client instead of claiming the amount from the other party. Introduced in 2001 by the General Insurance Council, a motor insurance company doesn't need to sign such an agreement to make the claim process quick.

Advantages of knock-for-knock agreement:

While the concept is simple to understand, here is the summary of the benefits of signing a knock-for-knock agreement:

● Speedy settlement of claims

● Eliminates the need for the involvement of law

● Reduces the expenses required to be borne in case of proving the liability of the third party to derive a settlement from his insurer

Conditions for knock-for-knock agreement:

Three primary conditions are applicable for claims that are admissible under a knock-for-knock agreement.

1. Accidents must occur within geographical boundaries:
The insurance company decides such boundaries before the lodging of the claim. Generally, the limit is considered to be the defined geographical boundaries of India. It is implied that any accident outside the border cannot be admitted as a claim under a knock-for-knock agreement.

2. The claim must be filed as own damages:
Under the agreement, each motor insurance company agrees to compensate its client instead of demanding compensation from the other party. This claim can no longer be filed as third-party damages and is processed as "own damage". Therefore, you must purchase your "own damages" cover, without which you cannot complete this procedure.

3. Limit on the claim amount:
The admissible claim cannot exceed the insured declared value (IDV) previously mentioned in the policy.

The knock-for-knock agreement is a lesser-known aspect of motor insurance that makes claim settlements speedy and inexpensive. It saves the resources of a motor insurance company that agrees to such a contract. Explore this aspect to know more about its seamless benefits before buying motor insurance in India.

Click HERE to buy reliable motor 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.

A critical safety element that is now standard in all modern vehicles is the anti-lock braking system, or ABS. The ABS is frequently marketed as an efficient breaking mechanism that significantly reduces accident risk by facilitating a good grip over the vehicle. We go over everything you need to know about ABS, including its advantages, how it works, and the several kinds you can find in modern vehicles.

What exactly is "anti-lock braking"?

The name of the technology suggests that when you apply the brakes, ABS keeps the wheels from locking. It shortens the distance you need to stop and lets you move or "steer" the car while the brakes are still on. This way, you can avoid collisions from sudden braking and crash into fellow vehicles or objects.

What is the purpose of ABS?

Irrespective of the car's speed, when you press the brake pedal (without ABS), the wheels lock up because the brake pads make tight contact with the wheel discs and stop the wheels from turning.

The car skids because of its momentum when the wheels stop rotating. As a result, the driver has no control over the wheels. Most frequently, this can result in severe accidents.

What are the main components of ABS?

Speed sensors, valves, a pump, and an ECU comprise most ABS parts.

Speed sensors:
These sensors are important to keep track of the wheels' speed.
Valves:
In the brake line, some valves regulate the pressure on the brakes.
Pumps:
When brakes are used, hydraulic fluid-filled pumps pressure the brake callipers or drums.
Electronic Control Unit (ECU):
In response to the signals from the speed sensors, the ECU acts as the command centre of all the processing.

How is ABS used?

When you use the brakes on a car with ABS, the speed sensors track how slowly the wheels turn. Brakes deliver a signal to the electric control unit when they are about to stop rotating. Using valves and pumps, the ECU removes some of the brake pads from the wheels, allowing them to continue spinning. When you apply heavy brakes, ABS enables the wheels to continue turning, giving you control over the car.

Without ABS, when you hit the brakes, the wheels would stop or lock up immediately, causing the car to slide. In this situation, the vehicle would skid and travel a fair distance. It would be challenging to turn your vehicle because the wheels were locked. ABS helps you slow down efficiently, deploy uniform braking, and quickly control your car and avoid it from spinning.

ABS benefits:

● Uneven tyre wear is avoided because the wheels don't lock up when the automobile is stopped.

● The Traction Control System (TCS) and ABS share specific fundamental architectures, which facilitate TCS installation on vehicles in manufacturing facilities.

● You may steer the automobile around obstacles when braking hard, which can reduce brake pad and brake disc wear.

● Minimises the risk of severe accidents due to sudden braking and enhances the car's stability post-braking.

When the brakes are applied hard at high speeds, ABS keeps the wheels from locking up, which makes it much less likely that a deadly accident will happen. The effectiveness of the anti-lock braking system has been demonstrated everywhere. Anti-lock brake systems are now so critical to safety that the Indian government has made them a requirement.

Safety is paramount, and braking is a crucial part of vehicle safety. It's also a good idea to get online motor insurance to upgrade the security of the vehicle and the owner. Motor insurance covers car owners' liabilities and protects them from damage to their cars and any legal obligations they may face. Browse through different options and opt for online motor insurance with the best premium and benefits that suit your needs.

Click HERE to buy online motor insurance.

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

Most households should foresee drainage issues. We can only hope that the drains in our homes are in good condition because they are out of our sight. But several early indicators alert us to a drainage issue. If left unattended, these drainage concerns put people at risk and give rise to crises like safety, health, and financial problems when dealing with poor drainage conditions.

Seven typical drainage issues have been discovered to guarantee a flawless drainage system by sorting these issues:

1. Even with safety precautions, a clog in the drain system is unavoidable, and people flush many things down into the drain. Although it might begin as a slow-moving drain, it could eventually worsen and end up blocked. It is crucial to try an at-home fix for a blockage as soon as it gets noticed.

2. The installation, regular cleaning, and maintenance of gutters and downspouts are essential for the exteriors of dwellings. Numerous issues have arisen when several people take responsibility for their work independently. Both insufficient pipe installation and a lack of plumbing experience are the leading causes. If pipes aren't put in the right way, they can cause plumbing issues, broken tubes, and other property damage, along with the improper passage of sewage.

3. Drain pipes are subjected to a lot of wear and tear, resulting in fractures or cracks that cause the pipes to have open joints. Water leaks from these cracks could result in serious issues in the neighbourhood and even structural damage. Another indication of leaks and an excess of moisture is the development of mould. Pest infestations that enter through pipeline cracks are another issue about pipe breaking and leakage. Fortunately, one can easily fix these problems with prompt diagnosis.

4. With the right slope, water will flow away from the house. It has a big effect on the slope of the land so that the drainage moves away from buildings, especially in places that need to be paved, like parking lots and driveways. Sometimes, the builder might get this wrong and let water seep in or get stuck in the structure, damaging the walls.

5. The growth of plants can be dangerous to plumbing. In the trenches built around pipes and drains, tree roots can obstruct or destroy pipework as they develop and spread. They can enter the drainage system through openings, mainly already-damaged joints. They usually leave a mess of odours and have significant health risks.

6. Heavy rain or storms and the debris they leave behind can cause clogs, floods, or overflows in the drainage system if not appropriately covered.

7. Flooding can put pressure on pipes and can damage the ground. An inadequate drainage system or pipes is another sign of outdoor flooding.

8. Assume your house is next door to your neighbour's. Even if you take all the proper steps, there is still a chance that water from your neighbours' properties will cause damage to your property. It can occur because of a flood on their land or simply because your property is lower than theirs. To prevent water runoff from the neighbours, you must take the appropriate actions and ask for effective waterproofing of the floor.

These problems show how important it is to keep up with drainage system maintenance to avoid extreme issues. Even though most drainage problems aren't evident at first glance, the above points will help you figure out what's wrong and how to fix it.

Conduct periodic inspections of your house's drainage system and look for damages in the pipes, sinks, or ducts. Immediately call the experts to fix it before the issue becomes severe. Ensure regular cleaning of the drains to avoid clogging and unwanted growth of plants. To deal with other problems related to the well-being of your home, like protection from damages to belongings due to natural calamities and other issues like riots, invest in a reliable home insurance India policy. This will provide you with optimum coverage for your home financial support by compensating for the damages caused.

Click HERE to buy 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.

Who does not love to travel in the winter season? The chilly weather with snow-clad mountains or the cool climate on the beaches and plains can be delightful and welcoming. Taking advantage of the pleasant climate and an ideal season to travel, numerous tourists plan family holidays and group tours to explore the best winter destinations in India. But the idea of winter travel reminds us of the arduous task of carrying thick, heavy, woollen clothing.

Are you planning a family trip or a solo adventure this winter? Here are a few effective winter travel tips for enjoying a memorable trip.

1. Plan in advance:
Winter travel in December and January coincides with Christmas and New Year vacations in schools and holidays in offices. Hence, there is usually a lot of crowd at popular vacation spots and heavy bookings on flights, trains, and hotels.
Hence, you should always plan your winter trip well in advance. Book your travel tickets and accommodations as early as possible so that you don’t have to cancel your trip at the last moment due to the unavailability of travel tickets or rooms in good hotels.
Even if you can get flight tickets and good accommodation at the last moment, you will have to pay exorbitant rates. So why not plan in advance, save money and make your trip memorable?

2. Check your flight and train departure:
Always check the timings of your flight or train departure in the winter season before leaving home. They are usually delayed and are sometimes even cancelled due to heavy fog and low visibility. Keep an alternate route or service in mind in case of any cancellations. This will ensure that your travel plan gets successful.

3. Travel light:
You will wonder how we can travel light with bulky woollen clothes, especially if we are visiting some cold place or a hill station. It is possible by following some simple tips. Wear your most bulky jacket, sweater, shrug, or scarf on the day you have to travel. This will mean you will not have to pack them inside your bags. Also, wear your heavy boots and pack your lighter shoes or slip-on in your bag.
Do not pack multiple t-shirts, tops, or jeans with you. Repeat them. What you wear on the top is only visible in winter. Keep changing your jacket, shrug, or coat, and no one will know you are repeating your dresses! Also, buy woollen clothes of superior quality so that you don’t need multiple layers of clothing to keep you warm. Carry thermal innerwear of good quality as they are light and warm.

4. Rent travel gear:
You don’t need to carry your travel gear everywhere you travel in winter. For example, if you want to ski in the snow, you can rent all the essential gear, including snow boots and overcoats, from the resort you are staying in.

5. Medication:
The cold season brings many ailments, such as flu or fever, nasal congestion, cough, etc. Always carry appropriate medication, especially when travelling with kids and the elderly. Also, use small cases for carrying your cold cream and moisturiser so they only take up a little space.

Make your winter trip special and memorable by following the above travel ideas. Another important tip is to go for your true companion that will never leave your side, i.e., travel insurance. Travel insurance will protect you against trip cancellations, lost baggage, damage to your luggage, etc. You can take an annual plan to cover all your trips or insure only a particular trip.

Insurance will also offer coverage in case of any medical emergency and assistance arising during your trip. Make your life secure and tension-free by choosing a wide variety of general insurance policies. Moreover, buy online general insurance from the ease of your home with a few clicks, additional benefits, and the best premium rates. We wish you a happy winter!

Click HERE to buy online general insurance before planning your winter travel trip.

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

Have you ever tried running your hand over your house's glass window panes? The amount of dust you will come across is worrisome. We all are familiar with the saying "cleanliness is next to godliness," but at this point, it is not just about keeping your house clean. It is also about your and your family's health. The dust that settles on furniture, doors, and windows surfaces enters your body when you inhale while just being around your house and going about your everyday chores.

Many times, we rush to the doctor with a common cold or some health issue which is related to the hygiene problems arising from the dust and dirt which have made their way into our home, costing us several trips to the emergency room, medicine dosages, or having a troubled sleep at night.

But how can you combat this problem? Don't worry. This blog will discuss smart tips for washing home glass windows with sparkling shine, which would help you eliminate the tiniest speck of dust, leaving the glass panels squeaky clean!

1. Notice the frame:
If you closely examine a window, you will be shocked by the amount of dust, spider webs, etc., settled on the frame of the glass. The first step to cleaning your windows would be to clean the frame so that the dust particles do not float in the air and find their way to any other surface. You can use a microfibre towel to clean the dust and a sparkling shine solution to wipe off the frame after dusting.

2. How about a mop:
The windows can be large and high, which might not be accessible to clean using a small microfibre towel. A mop with a stretchable handle is the best idea in this scenario. You can dip the mop in a solution, wring it and then wipe the glass windows by stretching the handle to the required length. Ensure that the mop reaches all the corners of the windows, thus giving them the sparkling shine!

3. A small wiper is an intelligent option:
Doubling up on cleaning supplies has never gone to waste. Apart from using a microfibre towel and a mop, you can also use a small wiper which would help you wipe off the cleaning liquid so that it doesn't leave a stain on the window. Keeping a wiper will help you clean the window's exterior glass panel, thus eliminating pollen or bird waste, etc.

4. Rain can be difficult for the windows:
It is advised to clean the windows from the inside and the outside three to four times a year. The most favourable time to clean your windows is during spring and autumn. Cleaning your windows during these seasons helps eliminate any complicated to-clean mineral deposits that might have been set due to the rains.

5. Cleaning directions are a huge bonus:
Spraying some cleaning liquid and using a microfibre towel to wipe the windows can have magnified effects if you clean the window in a circular motion and jazz it up by swiping horizontally and vertically to avoid setting off any liquid stains or dirt.

Other tips include using tongs when cleaning window panes and blinds, using a lint roller on the window screens to remove the lint that might have found its way, cleaning/vacuuming the curtains, etc.

These were a few smart tips for washing home glass windows with sparkling shine. Keeping your house clean and hygienic is very important. Home is not just a place to live; it is an emotion. It houses millions of memories and fosters relationships, so you must get home insurance to protect this sacred space against any unforeseeable mishaps and situations. You can look for the benefits of the various home insurance options which are available in the market and purchase the one which suits your needs.

Click HERE to learn more about buying home 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.

Out of 195 countries, setting oneself apart from others is difficult. Most countries are either known for their rich resource endowment or their progress and economic significance. Over the years, India has continuously made optimal use of its resources to cultivate its financial position amongst other leading developing and developed countries. However, one thing that makes India genuinely unique is its rich cultural identity.

India is a land of deep-rooted culture and traditions. Ancient temples and practices are proof of the long legacy of the old civilizations that formed the fundamentals of society. There are over two million temples in India, proving the significance of heritage and spiritualism in the country. Of this enormous number, many temples have existed since the rule of the ancient kingdoms and are proof of the vibrant traditions and beliefs of Indians.

The easiest way to experience the diverse culture of the expansive land is by immersing in the historical archives engraved on the temple walls and sculptures. Before you plan your trip to explore these temples, we recommend contacting a general insurance company to purchase a comprehensive cover to compensate for any damages during travel. After checking that off, here is a list of ancient temples you must visit!

1. Mundeshwari Devi Temple:
Located in Bihar, it is said to be one of the oldest temples in the country, open to the public. The Archaeological Survey of India dates the temple back to 108 AD after consideration of its design and architecture. The temple is a shrine for Lord Shiva and Goddess Durga and is popularly known for its distinct octagonal design.

2. Somnath Temple:
Located in Gujarat, the Somnath Temple worships Lord Shiva. It is one among the 12 Jyotirlingas and holds great significance to the devotees of Shiva. The legend behind the temple also involves the Moon God. The temple initially held massive troves of treasures, which Mahmud of Ghazni raided during his attacks. Despite being destroyed, the temple has been restored and provides a peaceful environment to bask in its cultural significance.

3. Sree Padmanabhaswamy temple:
The gold-plated temple in Kerala is dedicated to Lord Padmanabha. Also known as the richest temple in India, the temple is thought to have existed for over 5000 years. The temple's wealth is estimated to be around 1 Lakh Crore Rupees, excluding a closed vault that cannot be opened until the chanting of the Garuda Mantra, an unknown chant.

4. Konark Temple:
The temple, built in the 13th century, is a UNESCO World Heritage site in Orissa. Dedicated to the Sun God, its architecture sets it apart from other temples. It is designed based on geometric ideals, making it truly unique. The main temple had a suspended sun idol built using granite and magnets.

5. Dilwara Temple:
Dilwara Temple is an important Jain pilgrimage in Mount Abu built between the 11th and 13th centuries with intricate engravings. The exterior does not give insight into the grandeur of the exquisite marble carvings inside. The hilly terrain outside makes one appreciate the entire process of building the temple in an age without the convenience of transport vehicles.

6. Amarnath Cave Temple:
Situated in Jammu and Kashmir at a height of 3900 metres, visiting this shrine is an experience like no other. It is a naturally formed cave with a lingam of ice resembling Shiva's idol. Reaching the temple is challenging and requires significant effort and dedication.

While it is recommended to visit such divine places to uncover and understand the traditions and Indian heritage, it is also essential to pay heed to one's safety during the travel. A general insurance company provides excellent travel protection that one must consider before planning a trip.

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

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

Who does not enjoy travelling? Being able to visit and explore new places, try local cuisine, click pictures, and enjoy the native culture of a place is the dream of every traveller. Travelling fills the heart and mind with a sense of euphoria. It boosts your happy hormones and uplifts your spirits. Hence, everyone must take at least one vacation every year.

What if you're a beach person looking for your next blue water beach holiday in India? This article is just for you. We recommend 05 top beach holidays where you can enjoy quality time in blue waters and golden sands.

However, no matter where you travel to, you should always have general insurance to back you up. You can check the general insurance online quote in advance and purchase insurance that provides comprehensive coverage for your luggage and ensures a safe trip.

Here's a list of the best blue water beaches in India.

1. Marari Beach, Kerala:
If you're a fan of Kerala, you should visit this beach. Located near Kochi, this beach is close to the Mararikulam village of Kerala. The waters are apparent here. It is also peaceful and full of lush green vegetation around the village. It is also rated among the top five hammock beaches in India. You can spend some quality time here with your loved ones.

2. Butterfly Beach, Goa:
Present in South Goa, you can reach this beach easily by taking a ferry ride from Agonda beach. It is one of Goa's hidden gems, unexplored by most travellers. Not many people are aware of the magnificence of this beach. It is picturesque and beautiful in every possible way. It is a haven for nature lovers. Many butterflies hover over the beach, making it all the more enticing.

3. Radhanagar Beach, Andaman and Nicobar Islands:
It is one of the most picturesque beaches on Andaman and Nicobar’s Havelock Island. It has clear blue waters and white sands to its credit. A line of coconut trees surrounds the coastline, making it all the more aesthetic. The sunsets here are a sight to behold. You also have the chance to participate in various water sports when you are here at the beach.

4. Varkala Beach, Kerala:
Also known as Papanasam Beach, Varkala beach is one of the most breathtaking beaches in Kerala. You will catch a stunning view of the Arabian Sea from the cliffs present at the beach. You can either sunbathe on the golden sands or stroll by the coast. This beach is serene yet beautiful. You can also go swimming in the waters and rejuvenate yourself.

5. Bangaram Beach, Lakshadweep:
With its jaw-dropping blue waters and white sands, this beach is a cheerful retreat to enjoy with close ones. It is secluded from the hustle and bustle of city life. The beach has brown rocks on all sides. It makes the beach all the more attractive. The beach also has unique bioluminescence at night. The blue waters glow and look starry.

Make these top beaches a part of your travel bucket list and plan a dreamy holiday to savour these destinations' mystic charm. Regardless of the places you want to travel to, always have general insurance to keep your travel covered. An ideal insurance policy will cover your expenses if you incur any damages while travelling or if your luggage is damaged or stolen. You should also check the general insurance online quote before you apply for any policy. Research the best options and invest in a plan that best suits your needs. Better be safe than sorry!

Click HERE to get a general insurance online quote.

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

We all want to live and work in a peaceful environment that motivates us to always give our best. Silence boosts productivity and makes the surroundings blissful. Silence is required for various activities throughout the day. Whether studying, working, or even sleeping, loud noise can disrupt your peace and well-being. High levels of sound have many ill effects on an individual's physical and mental health.

Significant decibels of sound not only lead to noise pollution but also contribute to an unbalanced lifestyle. It can increase blood pressure and heartbeat. It is also highly harmful to kids and older adults. Increased exposure to noise can damage the eardrums in the long run. It also increases anxiety, frustration, and irritation and can even trigger migraines and anxiety attacks.

The simple way to tackle this problem lies in soundproofing. It is a great boon to humanity and helps in preventing unnecessary sounds. Everything can be blocked by using soundproofing at home, from construction noises to vehicle horns.

Before making any changes to your house, purchasing the best house insurance India is recommended to safeguard your home in emergencies.

Without further ado, let's have a look at the best tips and tricks for soundproofing quickly at home.

1. Make use of soft materials or fabrics:
It is a known fact that sound travels via waves. This means that hard materials like metals amplify the sound. The more iron, tin, or copper you have around, the more complex sound will travel through them. On the other hand, soft materials like linens, cotton, and silk absorb sounds. The more soft fabric you have in a room, the better. Your curtains, carpets, blankets, and rugs can contribute a great deal to absorbing sound. You can also invest in soundproof curtains.

2. Use acoustic frames:
It is one of the latest things available for absorbing sounds. They are wooden frames with foam intact in them. They are highly efficient in absorbing sounds. They can be hung on the walls for soundproofing. This also prevents the noise of adjacent rooms from entering the desired room. It is excellent for people who live in apartments or condos. Acoustic frames are available in various shapes and sizes as well.

3. Consider adding layers:
If your building is still in development or if you have access to renovations, consider adding a layer of drywall. This wall will separate your room from the outside world. It will also cut off all external noises and prevent them from reaching your room. The stronger the wall, the better. It is advisable to get it done with the help of professionals while building a new room.

4. Notice the doors:
The doors play an integral role in determining the amount of sound that enters the room. For starters, keep it closed at all times. You can consider adding weather stripping around the door knob or handle. This will prevent any unnecessary noise from entering or leaving the room. You can also make use of a soundproof blanket. It can be put at the back of your door and removed when not needed.

5. Pay attention to the floors:
Floors can also help in soundproofing. You can put carpets on the floor to absorb the noise from outside. If you want a more effective solution, you should use foam flooring. It can be easily added over the flooring present and does not require much effort for installation.

These are some great ways to prevent noise from entering your house. Implement these and reward yourself with a peaceful and soundproof environment. In addition, protect your home with the best house insurance India, as it helps you deal with financial expenses in case of mishaps.

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.

Even though the Indian insurance market has been expanding quickly in recent years, just about 3% of Indians currently have life insurance. Increasing the base of policyholders is essential to ensure that more people are sheltered from financial shocks. Although technology has been suggested as the answer to this issue, it may not be the most effective strategy to increase the number of Indian policyholders. This blog will discuss how tech may not be the best solution to expand the Indian policyholder base. So, without any further delay, let's get started.

1. Accessibility is still an issue:
As it is frequently out of range for significant portions of the population, technology may not be the most incredible way to increase the number of Indian policyholders. Despite India's tremendous internet expansion, many residents of rural areas still need access to smartphones and the internet.
The most successful way to communicate with these people is still through conventional media like newspapers, radio, and television. There is a substantial digital divide between tech adepts and those who are not. For instance, older individuals may need help navigating online insurance platforms, and individuals who do not speak English well may need help understanding the language used in many online insurance policies.

2. Price is one of the primary reasons:
Technology can be expensive to develop and maintain, which is another reason why there might be better ways to increase the number of policyholders. For smaller insurance companies, it might be too expensive to spend on technology, software development, and cybersecurity to build and manage online insurance platforms.
Insurance companies might also need to engage specialised personnel to operate the platforms, raising expenses even more. When costs like these are eventually passed on to customers through higher premiums, insurance becomes less affordable and less available to those who need it.

3. Lack of trust and belief in the insurance providers:
Additionally, there may be better uses of technology than fostering public confidence in insurance. Many individuals in India continue to be cautious of insurance companies and doubt their motives. This distrust is frequently based on prior instances where insurance companies have allegedly broken their commitments or failed to live up to their pledges. Personal interactions, open communication, and moral conduct are necessary for fostering trust and confidence in the insurance industry. Technology can undoubtedly make some of these encounters easier, but it cannot replace the value of human interaction, especially when fostering trust.

4. Absence of proper awareness and information:
Since technology tends to overlook the significance of insurance education, there might be better answers. Educating the public about the advantages and importance of life insurance is essential to increase the number of policyholders. Understanding the many insurance policy types, the coverage they provide, and how to pick the one that best suits their needs can all be achieved with insurance education.
The value of in-person interactions with trained insurance agents who can answer questions, offer guidance and help people choose the best policy cannot be replaced by technology, even though it can help deliver this education through online tutorials, webinars, and other digital resources.

What could be some probable solutions to this issue?

Policymakers may concentrate on enhancing life insurance education and awareness initiatives, particularly in rural areas. Offering financial incentives to those who buy insurance policies, including tax savings, may encourage people to enrol in insurance. Insurance companies may also consider partnering with banks, post offices, or non-governmental groups to reach a larger audience as an additional distribution channel.

We hope this blog provides insights into this issue and how insurance companies can grow their consumer base. While we are on the topic, it only seems like a brilliant idea to talk about how you need to get insurance from the best general insurance company which caters to its customers' needs optimally and is available 24*7 to assist them with their queries, therefore, helping them arrive at a decision.

Click HERE to learn more about how you can choose the best general insurance company for 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.

Higher education costs increase yearly, and many students turn to education loans to fund their studies. While a student loan can be a great option to finance your education, it can also be a significant financial burden after graduation. That is why it is crucial to consider taking out insurance on your education loan.

General insurance plans can offer you financial security in case of unexpected events that may cause you to default on the repayment of your education loan. Let's examine the benefits of taking out insurance on your education loan.

1. Financial protection for unforeseen events with education loan insurance:
Firstly, it provides financial protection to you and your family in case of an unexpected event such as job loss or a medical emergency. Suppose you cannot repay your education loan due to unforeseen circumstances. In that case, the burden of repayment falls upon the co-applicants. If you purchase insurance coverage, your insurer will ensure that your loan payments are taken care of, providing much-needed relief to you and your family during difficult times.

2. Improving credit scores with education loan insurance:
Insurance on your education loan may also improve your credit score. If you default on your education loan, it can adversely impact your credit score, making it more difficult for you to obtain credit in the future. By taking out insurance, you can avoid defaulting on your loan. This will help you maintain a good credit score and ensure that you are in a better position to obtain credit in the future.

3. Reduced burden of repayment:
Thirdly, insurance on your education loan can provide peace of mind. It can be stressful to think about the financial burden of repaying your education loan, especially if you are doubtful about your future income prospects. With insurance coverage, you can rest assured that your loan payments are taken care of. This will help you focus on your studies and career prospects without worrying about loan repayments.

4. Inbuilt insurance in education loans:
Insurance on your education loan may only sometimes be necessary. You can manage your loan repayments without insurance if you have a stable income and a good credit score. Additionally, some education loan providers may include insurance coverage as part of their loan package, so check with your loan provider before taking out a separate insurance policy.
Another critical factor to consider when buying insurance on your education loan is the type of insurance policy you choose. Various insurance policies are available, such as disability, unemployment insurance, etc.

5. Unemployment insurance for education loans:
Unemployment insurance can provide temporary financial assistance if you lose your job and cannot repay loans. It guarantees repayment of the loan amount without letting it reflect as a default. It also allows you to focus on finding stability and a consistent source of income rather than worry over the possibility of defaulting payments.

In conclusion, general insurance plans on your education loan can provide valuable financial protection and peace of mind. Similar to purchasing other general insurance plans, assessing your individual needs and circumstances is essential when choosing an insurance policy for your education loan. Carefully review the terms and conditions of the policy, and compare policies to ensure that you are getting the best value for your money.

Purchasing general insurance plans for your student loan is not necessary and only mandatory when applying for institutions abroad. It can be a valuable tool for all those who want to protect themselves and their families from unexpected events that may affect their ability to repay their education loans.

Click HERE to buy different general insurance plans 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.

As the pandemic's effects subside and we return to offices, the stress associated with commuting has returned. Every weekday, most office workers face a huge challenge in the morning of whether travelling upwards of an hour one-way is worth their compensation.

Whether you choose private or public modes of transport, here are some tips and tricks to relieve stress from your daily commute.

1. Prepare the night before and leave earlier:
Hectic mornings increase stress levels during the commute, which results in irritation and reduced productivity. Worrying about being late every day can be very stress-inducing. To combat this, start preparing for your day ahead at night. Keep your work clothes and meals ready, and finish all your work. This will lead to a less stressful morning, resulting in you leaving 10 minutes earlier and not worrying about delays in reaching.

2. Try to commute actively:
Commuting via personal transport, such as a car or bike, can cause health issues. The best way to go about this is to walk or cycle as part of your commute if your work location is not far. This is known as an active commute, and it will drastically change the way you travel. Exercising on your way to work releases endorphins and improves mental and physical health. If walking or biking is not possible, try to take public transport. It increases your activity and reduces stress levels significantly.

3. Detach from the digital world:
In the age of social media, it is increasingly challenging to focus on oneself rather than what people on the internet are doing. It is essential to go off the grid for your mental health.
Your daily commute could be your time to read a new book, watch the view outside, or focus on yourself with meditation. Meditation has been a proven method of giving the brain the rest it deserves, and whether it be guided meditation or simply focusing inward, it will surely benefit you.

4. Try getting flexible hours:
It makes absolutely no sense sometimes that everyone has the same office hours. This causes the "rush hour," which is impossible to tolerate five days a week. If this is an option, ask your office for flexible hours, so you can come in before the rush hour and leave earlier too.
If this is not an option in your company, find some activities around your workplace before leaving for the day, like working out or reading a book in a nearby park. This way, you'll be able to avoid rush hour.

5. Try to buddy up for a long commute:
If you find driving incredibly dull and tedious, one way to improve it is to find neighbours who go to the same area for work and carpool with them. This way, the pressure of driving does not fall on you every single day, and you can chat with people along the journey. Ensure that you purchase new motor insurance or avail of online motor insurance renewal facilities to protect yourself and your car against the financial burden of accidents.

6. Stretch it out:
Keep stretching those aching muscles! Even when you're the one driving, always keep adjusting your neck and back, so they don't cramp up and give you further pain.

In conclusion, since long-distance commutes are an inescapable necessity in the urban lifestyle, effective management techniques are becoming essential to prevent strain on your mood and physical well-being. We recommend alternative commute methods to private transport for the best impact on your health. However, in case of no option but to travel by vehicle, ensure that you protect yourself against accidents. Check for your insurance status and get online motor insurance renewal before the due date.

Click HERE to know more about 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.

Buying a house can be an expensive but gratifying event. It is an extensive process involving multiple options and intense decision-making to create your dream house. After spending massive amounts of money, effort, and resources on your home, investing in house insurance India is prudent to protect your home, belongings, and more from uncertainties.

After spending massive amounts on purchasing your home, consider these DIY for your home's interiors to save on additional expenses. Equipped with the right tools, creativity, and zeal, you can take on any home DIY project! A painting project is the ideal task to test your skills and is manageable. Before you start painting, here are some tips to enhance the outcome of your DIY house painting project.

1. Purchase premium paint:
Make sure to pay attention to the quality of the paint. Every room in your house deserves a different type of paint, so keep that in mind. Choose paints with minimal volatile organic compounds and odour to keep your family safe. For your favourite walls in your house, choose a standout colour to create an accent wall.

2. Remove the hardware:
Remove light fittings, doorknobs, electrical cover plates, window locks, and window lifts. Store the components in a bucket. Tape the screws to each piece of hardware, and identify each one with its location to simplify future reinstallations.

3. Identify the type of paint on existing walls:
Test a patch to determine what colour was used there. Apply alcohol-soaked cotton to a small section of the wall. The paint is latex if there is paint residue on the cotton ball. If not, the colour is oil-based.

4. Inspect and prepare the area:
Before applying new primer and paint, check for any cracked or peeling areas. These need to be carefully sanded or scraped, as the weight of the new layer will loosen the old paint. A small amount of soap and water, followed by a rinse with clean water, may be required for greasy stains, followed by a wipe-down.

5. Paint from top to bottom:
Use your brush to start with the edges of the ceiling. Then use the roller to apply an even paint coating from top to bottom. Once you're done with a patch of the wall, leave it to dry. Continue the same process for the remaining patch of the wall. You might notice colour marks and streaks on the already-done patch. Now, get ready for the second round of coating. Ensure that your application motion is the same as the first round of coating to get a bright and evenly looking finish.

6. Fill in fractures, voids, and holes:
Examine the walls and trim carefully for flaws. Fix any holes, dents, and dings with wood filler, caulk gun, or ready-mix spackle, depending on the situation.

7. Safeguard everything you don't want to be painted:
Protect your flooring, furniture, and hardware before starting a painting project. Drop clothes are essential. Protecting door knobs with small plastic sandwich bags is a simple solution.

8. Use a paint grid:
A paint grid is an attachment to the bucket's rim. It facilitates the removal of extra paint and uniformly distributes it across the roller cover for consistent paint application.

9. Apply primer:
Paint and primer combinations work well if the surface is clean and smooth. However, use a different primer if it has been over eight years since the last paint job or if the wall has dents and scratches. Use a bonding primer to cover a hard surface, such as glass or high-gloss paint.

Interior painting projects require time, effort, and skill. While you can take on this task by yourself, the same does not apply to protecting your home. Consider purchasing house insurance India to protect your home against irreparable damage and prevent the depletion of your finances.

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.

When switching to a sustainable energy source like solar, it is wise to conduct a careful study because this is an expensive purchase you will have to live with for 25 years. In this post, we will provide essential questions so you can learn everything you need to know before installing solar panels on your home. These solutions will simplify your solar journey.

1. How much can solar power reduce your household electricity costs?
The monthly savings from solar for household electricity users can be as much as 80%, and in certain circumstances, even more. Before ordering a solar system, determine how much money you will save.

2. Can you utilise net metering at your house? When should you apply if the answer is yes?
Savings from solar can be maximised using a net metering feature in conjunction with an on-grid or hybrid solar system. In exchange for payment, you can export the extra electricity your solar system produces to the grid.
Now, homeowners in all of India's states can use the facility. However, the advantages may vary based on the tariffs established by the individual states. Before and after your solar PV system installation, you can apply for net metering. Nonetheless, we advise you to apply for net metering before the system is installed for your convenience.

3. How much would it cost for your rooftop solar system?
Over the past ten years, solar system prices have decreased significantly. A typical 1 kilowatt (kW) solar system, which cost about INR 145 per watt (Wp) in 2000, is now available for about INR 35 per Wp. However, the final price varies according to the project's size, the skill level of the solar installer, and component quality.
Residential solar systems are often smaller than commercial or industrial ones, and because of the smaller scale of operations, the cost per KW tends to be more significant. The essential thing in this situation is not to hold back on the components' quality or the installer's knowledge.

4. When will your solar system reach financial stability?
With a properly installed household solar system, you should reach your breakeven point in about three and a half years. However, the system size and the state's DISCOM tariff rate affect the breakeven point. The critical thing to remember is that since solar energy returns come in the form of savings, they are guaranteed. You can use a solar calculator to determine your expected payback period and return on investment.

5. Is the rooftop of your house a suitable location for solar panel installation?
It is crucial to examine the capacity of your rooftop. Your rooftop needs to support the combined weight of the mounting structures and the panels. A rooftop must be free of any shadows cast by surrounding structures or objects because most homes in India are constructed too close to one another.

6. Are there any tax benefits for your residential solar investment?
Household electricity is not currently eligible for any tax incentives. However, the investment is worthwhile, though, because the savings on electricity bills alone are substantial.

After investing in such sophisticated technologies and energy sources, it becomes crucial to protect your home against any unforeseen contingencies. In such cases, the best home insurance in India can also assist you in significantly reducing your financial outlay by protecting your home, its structure, and content from unexpected loss or damages.

Click HERE to buy the best home insurance in India.

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

Accidents, unfortunately, happen far too frequently. They cause vehicle owners to pay for auto repairs, treating injuries, and increased insurance premiums when accidents occur. A small error might lead your car to be totaled in an instant. Purchasing a policy from a reliable motor insurance company in India secures you and your vehicle from various hazards and damages that could cause financial losses.

We repeatedly observe the same trends that lead to collision incidents. To decode this most common issue, we're presenting the most typical crash types and accident-prevention advice to make the roads safer.

1. Front-impact collisions:
When the front of your vehicle collides with another car or object, it is called a front-impact accident, accounting for 54% of all auto accidents. It can result from wrong-lane driving or a poor indication by the approaching vehicle from the front, especially while making turns.

How to avoid them:
Modify your driving according to the circumstances, such as slick roads or other weather-related issues. Give yourself more time to react and take control by driving more slowly in the rain and using indicators while taking turns. Keep your focus on the road and avoid any distractions.

2. Rear-end collisions:
Heavy commuter traffic on roads and thoroughfares, over-speeding, aggressive driving, and leaving insufficient room for the car in front of you are the common causes of rear-end collisions.

How to avoid them:
Driver distraction accounts for 89% of rear-end collisions. Avoid being distracted by putting the phone down, even in driving mode, and adjusting your audio. Additionally, stay aware of your surroundings and avoid tailgating by not maintaining a safe distance from the vehicle in front.

3. Parked-car collisions:
In crowded parking lots, bumper dents are all too typical. They occur when several vehicles travel in various directions or while reversing out of a parking space.

How to avoid them:
Parking lots can make viewing your surroundings challenging, especially when reversing. Before leaving a parking space, survey the area and use your rear-view mirror effectively. Park a bit further away from other vehicles.

4. Side-impact collisions:
Side impacts between cars travelling in different lanes parallel to one another are the norm in cases of sideswipes. This kind of accident accounts for 27% of fatal passenger crashes.

How to avoid them:
Refrain from speeding to beat the yellow light. Instead, be extra cautious and always check both ways at stop signs and traffic lights. Check your blind spot before changing lanes, and watch for sudden lane changes from other motorists.

5. Hydroplaning collisions:
Since the tyres can't touch the pavement when you hydroplane, you have little control over the direction of the automobile, which almost definitely results in a collision. More than 10% of car fatalities yearly are related to wet roadways.

How to avoid them:
Stop accelerating, and don't stamp your foot on the brakes if your car does hydroplane. Instead, keep the pressure constant and let the automobile slow down. Make sure the tread on your tyres isn't too worn out. When driving through significant road puddles, proceed slowly.

Although there are many steps you may take to lessen the risk of accidents, theft, injuries, or damage to your car, it's not always possible to avoid the unexpected. In road accidents, collisions are a significant factor in injury and fatalities. We recommend purchasing a comprehensive auto insurance policy from a trusted motor insurance company in India. This will protect you and your vehicle against various damages and provide monetary compensation for expenses resulting from theft, fire, natural disasters, third-party liabilities, accidents, and other tragedies.

Click HERE to learn more about the policies offered by 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.

After purchasing your home, maintaining and protecting it becomes the highest-ranked priority. Keeping a clutter-free home helps you bring positivity and a better sense of well-being. While buying the best home insurance policy in India can help shift the burden of contingencies like burglary, vandalism, etc., how do we safeguard our homes from habits like hoarding and stockpiling?

If you find it challenging to keep your home clutter-free, here is a short guide to maintaining and optimising your space.

1. Identify clutter:
Our physical, mental, and emotional lives can become cluttered with irrelevant items. But what appears to be clutter may be an extraordinary item for you. Physical clutter usually occurs when we have too much stuff and no orderly mechanisms to store them. Owning less stuff makes your home clutter-free and more accessible. Having less material also positively affects our time, lives, and energy.

2. Get rid of the extra:
Eliminating the surplus items that consume our lives, time, and energy is the first step in keeping your home clutter-free. Clutter can be described as having too much stuff in a limited space, resulting in a disorganised home. Slowly navigate from room to room while using this filter to weed out items that are not required.

3. Avoid acquiring too many possessions:
Clutter can be efficiently managed by effective space management. You need to understand that the goods cost more than what is listed as their final retail price. We must alter our perspective and assess our purchases differently to stop the accumulation of goods in our houses. Start by asking yourself these questions before making a purchase –
● When I get it home, will there be a place to store it?
● Exactly why am I purchasing it?
● What value does it bring to our home and well-being?

4. Establish routines to manage your clutter:
Finding and creating routines to effectively manage your belongings will be the easiest way to remove the surplus. After removing the excess, it will be easier to identify the practices that keep your living environment clutter-free. Also, you'll find it simpler to adopt these habits once you've experienced the independence and stress-free lifestyle that comes with living clutter-free.
Clutter draws more clutter, and it needs to be eliminated. Create healthy habits for your family to control how your home's possessions are used regularly. They will be simpler to apply once you've identified them.

5. Plan decluttering maintenance times:
The most crucial step is to make a timetable and follow it. You can do this daily, weekly, monthly, quarterly, or seasonal. Remember, you need to declutter and organise regularly.
You'll feel better about your clutter-free home if you're disciplined about following through with your maintenance program. The more time passes between your regular sessions, the more you'll notice that your house could be cleaner and more orderly.

Building habits around clearing up excess clutter should be prioritised in your daily routine. The critical components to living in a clutter-free environment are recognising and knowing what to do with it and having the discipline to carry it through.

The beautiful thing about decluttering your house is that your efforts will have a long-lasting good impact on your sense of self-worth and how you regard your living space. While this will help protect the area inside your home and make better choices as per your tastes, buying the best home insurance policy in India provides the safety of external protection for your house.

Click HERE to buy 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.

The first impression your house has on the visitors can be everlasting as they leave. It is a huge deal to keep your home tidy, chic, and beautiful. It can make you garner a lot of accolades from your fellow friends and family members.

However, the whole process can be tedious as the remodelling or redesigning can take time and effort. What if we tell you that you can make your house look appealing in a few hours? As shocking as it may sound, we have curated a list of the best ways to spice up your home’s aesthetic appeal. These ways are innovative, easy, and do not require much time or money.

Also, your house has a high perceived value and should be well protected. Hence, you must consider purchasing home insurance to keep your home and belongings safe from contingent events like burglary, vandalism, natural calamities, property destruction, etc.

However, if you are planning to make your home look better and more appealing to the guests or want to refresh the look of your home as per changing trends or your taste, then take a closer look at the following points.

1. Make your lighting better:
Lighting can make a big difference to your home appeal. You must have bright, chic, and charismatic lighting around your house. You can also spice up your bedroom lights by adding a touch of fairy lights or mood lighting. An addition of golden-hued lights to the dining area and living room adds to the ambiance.

2. Conceal the garbage bags and dustbins:
Nobody likes to see trash lying around in their homes. It can create a terrible impression on your visitors. When guests come over, you must thoroughly scan your house and conceal your garbage bags. Put them in a place that is not easily visible to your guests. A permanent solution could be to switch up your interiors to create a covered dustbin storage section.

3. Trim your lawn:
If you have a lawn, you must trim the grass before guests visit. You can also discard the weeds and pull them out from the yard. Additionally, spray fertiliser all over the lawns. A gentle trim can make a lot of difference to your home’s appeal in minutes.

4. Create symmetry:
Who does not like symmetry? You must follow a symmetrical pattern while displaying accessories, decorative pieces, and even lights. From your door frame to the lights on the lawn, make sure everything is balanced. It can thoroughly elevate the visual appeal of your home by manifolds.

5. Elevate your front door:
The front door is the first thing every visitor sees before entering your house. You can make it look more appealing by adding simple door decor to it. You can hang a wreath of pastel colours or any floral designs you like. Do not overdo it. Keep it simple yet elegant.

These simple yet effective tips can spruce up your house's visual appeal in minutes. You do not need much money, effort, or even skills to complete it. These quick, effortless tasks bring about a significant change around your home. You will surely get a lot of appreciation from your fellow visitors.

While considering the options for revamping your home’s aesthetic appeal, we also urge you to consider purchasing home insurance to rely upon if things go wrong.

Click HERE to buy the best home insurance in India.

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

Driving is a tricky activity that requires extreme responsibility. One minor mistake can land you in serious trouble. It is always advisable to take extra precautions while driving. Be it a two-wheeler or four-wheeler, one should be cautious while driving, such as following all the traffic rules and being mindful of your surroundings.

Driving along heavy vehicles can be challenging, as they are different from other vehicles. They are so heavy that the controls are not always in the driver's arena. It can become dysfunctional and cause havoc on the road. Therefore, driving carefully around heavy vehicles is always recommended to avoid collisions.

Drivers of light vehicles must always be on high alert when around heavy vehicles. While collisions between vehicles of any size are disastrous and result in significant physical, mental, and financial damages, one between a heavy and light vehicle can be catastrophic.

Purchasing motor insurance from a reliable motor insurance company and following the below-stated tips can help you safely and confidently drive alongside heavy vehicles.

1. Always maintain distance:
Heavy vehicles can be intimidating to drive alongside, even as a beginner or an experienced driver. Crashes are common when other cars are driving too close to them. You need to maintain a safe distance from all heavy vehicles. Additionally, you should always maintain adequate distance from other cars as well. This will give you ample time to apply the brakes in an emergency.

2. Do not overtake:
Trucks or loading vehicles require a lot of space while turning on roads. It also prevents them from looking at the rear end of the truck. Your car can hence fall upon the blind spot. To prevent this, you should always give the heavy vehicle enough time to turn completely. Refrain from overtaking these vehicles or turning quickly in front of them. Slow down and wait for them to pass.

3. Have a firm grip on the steering wheel:
You must maintain your grip on the steering wheel. Air turbulence is created whenever a heavy vehicle is driving in front, which can be a problem for your car. Large vehicles can also throw loose gravel, dust, or snow that can hinder your vision. You need to be mindful and aware while driving behind them. Ensure that your windshield wipers are functioning properly to maintain proper visibility. Use horn, passing light, and indicators appropriately to ask for a side.

4. Be mindful of the lanes:
It is always recommended to follow the lane rule or discipline diligently while you drive on the road. This also means that you should not shift lanes hastily. It can lead to accidents sooner than later. It is because trucks take time to move and slow down. They may not see your vehicle approaching if you instinctively shift your lanes. As they will have no time to react, this can be dangerous for both vehicles.

5. Night time rules:
The night time is already tricky for driving, but heavy traffic makes it more challenging. With heavy vehicles in sight, the situation can get worse. Night time observes heavy truck traffic, making it daunting for cars and bikes to navigate. It is recommended not to use high-beam headlights at night. It can blind the vision of the truck drivers resulting in an accident.

You must follow these guidelines carefully while driving alongside a heavy vehicle. Although challenging, staying safe and sound while driving around them is possible. While a comprehensive car insurance policy from a motor insurance company protects you from the costs of an accident, it is better to be safe than sorry. Always follow safe driving practices irrespective of the time and ensure that your car insurance is active.

Click HERE to buy the best insurance from a reliable 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.

Insurance policies can be tricky! You need to fully understand the policy terms & conditions before you sign the dotted lines. The government has set up many regulations to implement insurance rules in India efficiently.

Hence it becomes imperative to fill out the insurance policy papers yourself. If you do the formalities through an agent, you might face problems later. You need to know everything about the premium, risks, disclosures, etc. This can also cause the claim to be rejected in due time, which can be devastating, especially if you're in an emergency.

You should always be cautious about everything that you disclose to your insurer. This involves the disclosure of your materialistic goods, qualifications, medical history, income, bills, and so on. The more you disclose rightfully, the better. It is vital for all health and general insurance India. So, regardless of the insurance you're applying for, disclosure is essential.

Let's look at the things to disclose to your insurer while taking a policy or filling a claim, as they increase the chance of a successful claim.

1. Income:
It is one of the best things to be disclosed early on. Your income needs to be revealed whether you're employed permanently in a company or as a freelancer. The job designation, salary, and experience are also taken into consideration. The more experience one has, the greater their expertise. This also means that they are not eligible for hazardous work. All this contributes towards a successful claim.

2. Material possessions:
It is essential to disclose all the material assets that you have. From your house to your car, you need to declare them all. It also involves any land that you own. You should disclose anything materialistic as well as expensive at all times. Adding them later while raising a claim decreases your chance of getting a successful claim.

3. Occupation:
Your occupation directly correlates to occupational risk. It assesses the risk of accidents and even the wellness of an individual. The work done by the individuals is of prime importance. It helps in determining the claims as well. The risk assessment of a particular occupation also affects the premium paid by the individual for a health insurance policy.

4. Medical history:
Insurers give the medical history of the individual prime importance. It provides a brief insight into the history of illnesses an individual has suffered and the risk they bear. If it is more severe, the premium will go up significantly. Serious issues like heart disease, hypertension, and diabetes can increase the premium. They must be considered and disclosed to ensure you purchase the right policy with appropriate coverage that leads to successful claims in case of contingent events against which you are insured.

5. Family history:
This is an essential element that will determine the extent of the illnesses in individuals. If there are genetic disorders, it will also mean that the individual is at a greater risk of developing them. It can make the insurance company more cautious while assessing the individual's health or life insurance risk profile. Incorrect disclosure or misrepresentation of such facts leads to the rejection of claims.

You should reveal these critical elements to implement a successful claim. Material disclosures are of utmost importance as they determine the success of a claim. If not disclosed at the right time, they can cause problems later. You must follow these rules diligently while purchasing non-general and general insurance India. Good luck!

Click HERE to buy the best general 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.

Most people own numerous credit cards from single or multiple banks. While using a credit card does give you a specific advantage, not paying its dues on time can affect your loan and premium.

Have you heard about credit scores? A credit score is a term that describes a debtor's credibility, which is evaluated before availing of any financial services provided by banks or private finance companies.

Whether it is about taking a loan, applying for a credit card, or purchasing insurance, your credit score matters. It is considered to keep a high credit rating to ensure motor insurance India with a lower premium. Let's learn more about your credit score and how it affects your chances of lowering your premium charges.

What is a credit score?
A person's capacity to make timely debt payments is indicated by their credit score. In other words, a credit score is a numerical reflection of your creditworthiness. It is determined by several factors, including:
● Current loans
● Currently available credit
● History of repayment of loans and bills

Any bank will label a customer's credit rating with a numerical score ranging from 300 to 900. A person with a higher credit score is more likely to receive loan approval rapidly. Your credit score defines the level of financial risk you may represent to a financial institution when you seek a loan or insurance.

As mentioned above, an individual with a better credit score will likely get a car loan and insurance quickly. Moreover, they are also eligible for a lower insurance premium. Therefore, improve your credit rating for maximum benefits before applying for a loan or insurance.

How can your credit score lower your car insurance premium?

Banks and other financial institutions look for people with higher credit scores as they are more likely to pay their dues on time. Besides getting better loan options with a higher credit score, banks give insurance plans at lower premiums.

As a corollary, a low credit score may make you pay a higher premium for motor insurance India. Check your credit score, see what factors are affecting it, and identify what changes you can make to improve it.

How to check your credit score?

It only takes a few minutes for anyone to check their credit score online for free. Enter the essential details like name, mobile number, bank name, etc., and the tool will quickly determine your credit ratings.

While the free tool gives limited information, a paid tool with premium services gives exhaustive information about your credit score and tips to improve the ratings.

What is a good credit score?

A credit score of around 750 or above is considered a good credit rating. The higher your credit score, the more your chances of getting loan approval and better insurance plans. While increasing your credit score may seem challenging, you can improve it in minimum time with better planning and information. Here are some tips you can follow to improve your credit score:
● Always maintain your Credit Utilization Ratio within 30%
● Avoid using multiple credit cards at one time
● Ensure not to apply for loan applications in short periods
● Reduce the number of loans
● Pay loan EMIs and credit card bills on time
● Use credit cards within manageable limits

Besides these, you can talk with your bank to learn different ways to improve your credit score. It is necessary to keep your financial records as clean as possible as it impacts your credit ratings. Check your credit history today and work on the items that need your attention to reduce your premium for motor insurance India significantly.

Click HERE to buy reliable motor insurance India.

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

Your house might look clean, but is it completely dust-free? If you look closely in those corners, you will realise how much dirt has piled up. The filth in the tricky corners of your house is hard to clean and might eventually result in health issues due to the lack of hygiene.

Dust allergies are the most common problems faced in such situations. It becomes difficult for an allergy-prone person to live a normal lifestyle amidst unclean living premises. If you ignore cleaning dirty sections of your home, then it creates clutter. This impacts mental and physical health, affecting your behaviour, work, etc.

Having discussed some downsides of dust accumulation in the nook and corners of your house, it is essential to understand the solutions to the already identified problem. This blog will discuss the best ways to clean the problematic corners or sections of your house, so it remains clean and hygienic.

1. Be watchful about those spiderwebs:

Spider webs can be the bane of cleaning. They are challenging to remove and grow even in the narrowest corners of the house. The sticky spider webs also impact the appliances like fans that are often not cleaned.
You can use a dusting cloth with an extendable arm or handle to reach high and deep corners of your house. The cloth fibre will collect and clean the dust instead of scattering it around.

2. High cupboards and cabinets:

Cleaning the upper surface of high drawers, cupboards and cabinets is tough to perform. You will need a ladder and equipment which can pivot. This would help you reach far away corners and edges of the surfaces of various furniture.
You can use a microfibre or dusting cloth to clean the cupboards and cabinets so that the dust does not get scattered. Cleaning fluid can be formulated by mixing up dishwashing liquid, water, and ammonia commonly used in households. This can give you cleaner and shinier surfaces.

3. Cleaning the sinkholes:

All the remaining leftovers from your plates are usually accumulated in the sinkholes. If the size of the bits is less than the holes, they pass through the pipes. If not, they end up on the surface of the sink. It also results in the unnecessary clogging of the drainage pipes.
If not taken care of, they might release bad odour and even attract insects. You can use rubber gloves to remove the leftovers from the sinkholes and use cold running water to clean. Using baking soda or citrus peels to remove the foul odour is a good home remedy for sink issues.

4. Don't forget the washroom crannies:

Whenever you go to the washroom, take a closer look at the crannies. You will see spots that are difficult to remove. If not cleaned in time, these spots can get stubborn and are impossible to eliminate.
But don't worry. You can start by using a dry brush to scrub off the upper layer of these marks and spots. Use a cleaning liquid or warm water and soft scrub. Later, gently rub the surface to eliminate the layers steadily. And then, use a vacuum cleaner to suck the debris before giving the space a final wash with water and detergent (if needed).

Deep corners are home spaces that are neglected while routine cleaning and later create hygiene problems. Using these methods, you can easily access the difficult corners and ensure that your home is clean to its core!

Apart from deep cleaning, your objective must be to ensure your home's safety. Won't it be wise to discuss options to safeguard your home against large-scale unprecedented circumstances? There can be multiple situations that can be challenging for your house. To protect your safe abode, you must purchase the best home insurance policy in India to get the best coverage at the time of need. Magma HDI's home insurance is your best advantage to have safer homes and good peace of mind.

Click HERE to learn more about the benefits of India's best 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.

Travel is a great way to expand one's horizons. It gives you a different perspective and is necessary to re-energise the mundane lifestyle. It is a great way to rejuvenate yourself after a hectic schedule and become more productive and enthusiastic at work.

However, it's a well-known fact that travel can get expensive. From finding the right flights to booking the right hotel, a lot needs to be done, and the challenging part is the hefty unexpected expenses. So, to save you from falling prey to the hidden cost charged by hotels, airlines or travel agencies, this blog gives you an insight into mindful travel techniques.

1. Baggage fees:

Airlines charge massively for excess baggage. Extra luggage means extra cost. It is impossible to unpack luggage at the last minute. Therefore, always carefully check the size and weight requirements and pack accordingly. Keep a habit of packing light and avoid stuffing your bags with unnecessary things. You may also practice vacuum packing, which helps keep your bags clutter-free.

2. The pesky phone bill:

We live in a digital age where smartphones are crucial to travel for safety and convenience. Be it clicking photos, talking to new people using translation, booking cabs and hotels, everything is done using our phones these days.
If you are planning a long trip to a foreign destination, it is imperative to know that international roaming charges cost a fortune and will drain your funds if not managed mindfully. For an extended travel period, it's better to buy a local sim to save money.

3. Departure Taxes:

One of the most unexpected and annoying expenses is a departure tax. Some countries charge you money for simply exiting their country. This also applies to the layover at these places. Browse the internet thoroughly so you don't get blindsided.

4. Transportation:

Transportation has been made very easy in many regions worldwide, which might be why new travellers often overlook this expense. But getting out of the airport and taking a cab to the hotel might cost you a significant amount of money.
To avoid this situation, thoroughly research the modes of transport available in the place you're visiting. Choose public transport if that is an option. Better yet, find a hotel with transportation included in their services.

5. Emergencies and medical expenses:

When travelling to a new place, especially if you're visiting another country, it's important to remember that the food, drink, and lifestyle of their habitants might not suit everyone. There is a chance of falling sick, and one must be prepared for all emergencies. Prepare a first aid kit and a stash of the common medicines for general problems like headaches and stomach aches.
Falling sick in another country costs a fortune, especially because foreigners are not included in the national healthcare system. While this cost is unavoidable, checking insurance policies online that fit your needs will help reduce your spending.

6. Trip cancellation:

Cancelling a trip is something no traveller wants to experience. You'll lose a significant amount of money on something you didn't even get to enjoy. An excellent way to avoid these expenses is to research the best and buy insurance policy online. These policies may reimburse you for the flights and sometimes even the hotels you're staying at.

Always keep some extra funds with you to buy small souvenirs and make the trip more memorable. Although we wish for the best in every situation, it's wise to be prepared for less than ideal situations. Buy insurance policy online to rest assured during the trip. With these effective tips, you can cut costs without compromising on the fun part of your trip. Happy travelling!

Click HERE to buy insurance policy online.

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

Veganism is a new trend that has drawn the significant attention of Indians. But, what is veganism? The dictionary defines veganism as the practice of eating only plant-based food. For example, plant-based alternatives to your regular cow’s milk are almond milk, oat milk, soy milk, etc. Consumerism has given veganism a new branding, which means an abundance of mock meat, vegan cheese, vegan butter, tofu, etc., in the western and European markets. The list is endless.

An average Indian’s meal plan is predominantly vegetarian, consequently vegan. Hence, more often than not, people eat what is readily available. However, if you intend to travel as a vegan, you might lack options to meet your daily dietary needs.

In this article, we will look at everything you can do to ensure that you enjoy your vacation without compromising your food preferences.

1. Fruit and vegetables:

While travelling, take a tour of the local stores and buy seasonal fruits and vegetables. Vegetables such as cucumbers, tomatoes, onions, beetroots, etc., are great ingredients for salads and sandwiches. You can prepare either of the options in your hotel and carry it with you for later use. Chop and store them in a tiffin inside the mini-fridge provided by the hotel. This will ensure that you always have a backup in case you can't find anything outside.

2. Carry vegan snack options:

Make a run to the nearest convenience store and pick up vegan options that suit your taste. Cup noodles, bread, protein bars, nuts, etc., are convenient and readily available vegan options that you can bank on. You can rest assured that you have ready-to-make food options available during emergencies.

3. Explore vegan restaurants and eateries:

Travelling is all about exploring and trying new things. Include restaurants and dishes that you never tried before in your itinerary. Talk to locals to understand the vegan culture in the places you visit.
This is an intelligent way of knowing all the good vegan places to visit. Veganism is a trend that has been growing for the last few years, which is why many restaurants have a good selection of unique vegan dishes.

4. Talk to your hotel:

Before booking your accommodation, you can talk to the hotel and notify them of your needs. If your hotel provides concierge services, they will know the best places to visit and try local dishes and vegan food. Most hotels also offer vegan food options.
However, if your hotel does not have vegan options, you can consider looking for other hotels. Look out for private villas or homestays. These are equipped with all necessary items such as a gas stove, fridge, and oven, making it easier for you to cook meals yourself.

5. Talk to the chef:

Most people still find it difficult to gauge the difference between vegans and vegetarians. This is why it becomes challenging to keep track of the food and ingredients that go into a meal. Tourists prefer to say that they are allergic to certain ingredients. Talking to the chef is the best way to ensure that these ingredients are not added to your dish. The world is still new to the idea of vegan butter and vegan cheese, so providing adequate information to the chef is essential.

These are a few ways to ensure a stress-free trip with your vegan choices. An important tip is to learn a few phrases in the local language to let somebody know of your allergies and food preferences.

Your food choices should be a matter of joy in your life. Do not forget to experiment with new cuisines and dishes for a wholesome travel experience. Travelling vegan might still be easy, but travelling without proper safety is challenging. As a responsible traveller, do not forget to buy general insurance online to ensure your safety during travel. General insurance acts as a safety net for you and your loved ones for any unprecedented expenses you might face.

Click HERE to buy general insurance online.

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

"To-be" parents enjoy investing time and money to transform their child's room into a small world where their baby feels comfortable. They carefully plan and curate their thoughts about the room, including toys, fancy paints, and furniture for the newborns.

These elements just don't make the room attractive but develop an interest in the child. As babies have excellent observation skills, decorating their room with colours and playful stuff will help them enjoy new experiences.

Parents get tensed while selecting the theme and the other decorative articles. There are various options available in the market, which make the to-be-parents more confused. We are here with a few fantastic themes you can choose from. You can browse through the blog and think of ideas with fresh perspectives. Add a personal touch and get ready to welcome your newborn into the world!

1. Space-time exploration:

You can decorate your baby's room with various maps, flags of different countries, ships, rockets, space shuttles, planets, stars, the sun, the moon, and other images that will bring curiosity. You can also use glow-in-the-dark stickers of the stars and the planets to cap off the night sky.

2. Let's go to the zoo:

A zoo decor would be a great idea to give the room a natural and jungle look. You can create grasses and graphics of different animals and birds to excite your baby. Use colours that pop off to stimulate your child's mind and develop their brains from a very young age. You can also put up a small canopy in the room, giving it a "camping in the woods" feel to engage your child’s creativity and interest in learning new experiences.

3. Beneath the ocean:

Paint the whole room blue. You can depict the diverse life forms in the ocean. Put up pictures of cute whales, sharks, fishes, jellyfishes, coral reefs, etc. Make use of glow-in-the-dark jellyfish stickers displaying their original nature and give the room a complete underwater look. You may put up a bedsheet with designs of fishes or buy cushions in the shape of sea animals to bring more marine character to the room.

4. Cartoon characters are fun:

You can draw and paint famous children's cartoon characters and elements from favourite cartoon shows. You can paint them yourself or call an expert to decorate your baby's room. Select different props from the show, and put the soft toy versions in the crib, chair, or floor.

5. Kids love beaches:

Babies love playing in the sun. And beaches are a whole carnival for them. You can use light yellow wallpaper to display the sand and decorate it with stickers, pictures, or other marine items and plushies of seashells, crabs, forts, oysters, etc. This would complete the beach vibes you want to create.

These were a few exciting theme ideas that you can implement while decorating your child's room. Take your time, research thoroughly, and design a room your baby will enjoy. After all, your baby will be spending most of its developing years in that room.

To be a parent brings many responsibilities. Along with the decoration, it would be wise to consider protecting your home. A home is where you make the most of the memories with your children and loved ones.

The damages to home come uninvited, but you must be prepared beforehand to tackle all the mishaps. Damage to property due to theft or natural disasters can drain your pockets. So, invest in home insurance India to put less monetary pressure and assure guaranteed compensation for these damages. Reap the benefits of providing hassle-free protection for your home and make endless memories with your family.

Click HERE to know more about how you can buy 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.

Watching the beautiful horizon from the open deck is a mesmerising experience. Cruise trips seem elite and sound exciting. It is a paradise for ocean lovers. From solo ventures to family getaways, the cruise journeys welcome travellers to enjoy an unforgettable maritime holiday opportunity. Sailing couldn't have been more fun with several recreational activities, games, and cuisine organised onboard. Every moment on the ship reflects a beautiful memory to cherish forever!

Planning your first cruise trip can seem daunting without proper information about bookings, the right time to travel, the expenses, and much more.

This blog is your guide to understanding all the information you need to know before you board the ship. Carefully go through the pointers and chart all the requirements to plan a hassle-free cruise trip. Here’s all you need to know.

1. Timing is everything:

You need to figure out the right time to sail. Finalise your destinations and understand their sailing season. Look up the details of the touchpoints and the locations you wish to visit on the cruise company’s website or reservation site and research their sailing calendar.

2. Choosing the right cruise:

Different cruise liners provide you with various amenities and a range of activities to do while you’re on your sea voyage. Carefully look at different packages and determine which one fits your vacation goals and budget. Choosing the right cruise is important as they will take you on a journey to foreign countries and continents. Multiple onboard activities will keep you engaged throughout your travel.

3. Intent of travel is important:

Determining how and why you wish to take a cruise trip would be best. It is essential to determine your travel purpose as you will be out in the sea longer than expected. And when there are fewer locations to step down and explore and more sea exploration, things can get a little challenging due to the feeling of stagnation. Hence it is essential to figure out how confident and strongly willing you are to take a sea voyage.

4. Book the cruise:

While planning your first-ever cruise trip, you should book with someone trustworthy. Or some of your close contacts have already experienced their services and recommend them. Given the time of the journey and the heavy expenditure, you must ensure to do research regarding the company before you go ahead and book your tickets.

5. What should your itinerary look like:

Foremost finalise your budget and the location before you head out in search of the best cruise trips and their itineraries. Fixing your budget will help you narrow down your list of options and help you efficiently choose the suitable itinerary that covers all your expectations.

6. Choosing the perfect cabin:

You will have several options to pick from when you are finalising your cabin for the cruise journey. But how to choose the right cabin? If you’re easily seasick, looking for cabins with a sea view will not be advisable. You can choose higher or lower cabins according to your preferences, which do not face the sea but open your doorway into the activity area, making you feel more alive!

Certain other pointers like checking on your travel documents: your passports, visa, identity proof, tickets, etc., are paramount. Keep your health as the priority. Make all necessary preparations regarding the medications you might need beforehand to avoid the stress of getting sick when onboard.

While planning your first cruise trip can be stressful yet exciting, it is always helpful to be prepared for any travel or medical emergencies in advance. Unprecedented circumstances can result in panic situations while travelling. Don’t let health emergencies spoil your excitement of enjoying your first cruise trip.

We advise you to browse through Magma HDI’s general insurance plans and purchase the one which would cover your travel insurance in the best way possible. Purchase the best general insurance plan and sail carefree. Bon voyage!

Click HERE to know more about how general insurance plans can make your travel experience risk-free.

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

If you are buying a new house or renovating the existing one, having the perfect and attractive walls should be your focus. The most prominent part of your home is the walls. They capture many memories and provide a lot of scopes to try out new styles and give your home a refreshing touch.

Investing thought, time, and money in decorating the walls will turn your home into a more welcoming space. But how do you finalise the look of your walls? Would they look better with wallpapers, or would texture paints achieve the finish you attempted?

We will try to cover all your wall decor questions. Let's get started!

1. Types of texture paints:

Various forms of texture paints, including emulsions, distempers, etc., are available in the market. They can either be water or oil-based and are used for different purposes. You can use solid colours and texture paints to give your walls a bold look. Apply other techniques to create patterns and textures on your walls to give them a zing.

2. Wallpapers:

Wallpapers come with a variety of patterns and textures. Using the right tools and proper measurements, you can stick them on your walls. They come with a solid adhesive and are easy to paste. You can pick the wallpaper's designs as per your taste and the look you want to achieve for the walls.

Wallpapers and texture paint – how are they similar?

● Both are available with many options and shades

● Both have tailor-made options to match your usage and decor plans

● Both require some pre-preparation time to set things up

● Both help you achieve your decor goals

Wallpapers or texture paints: Which is the best for your home walls?

If you are starting from scratch (a blank wall), both wallpapers and texture paints require a similar time to set things up and get started. But removing any wallpaper or colour is a tedious job. After removing the previous coat, you must prepare the wall before pasting the wallpaper or starting with the primer for the texture paint.

Application of wallpaper takes less time as compared to texture paint. You need to apply at least two coats to achieve the texture and pattern you aim for, while it takes about twenty-four hours for the wallpaper to stick appropriately and achieve the best finish. Texture paints can take up to forty-eight hours or more.

Textured paints are your best bet in bathrooms and kitchens. High moisture does not gel well with adhesives. Hence, applying wallpaper in the bathroom and the kitchen would be a massive waste of resources, and there's a risk that it might come off or get wet and torn. Variations of textured paints can be used outdoors, while wallpapers are more appropriate for enriching the interiors.

You might need help from professionals during the application of wallpapers. Textured paints and wallpapers are both cost-effective, but wallpapers might get a bit expensive if you are looking for a specific design.

Now that we have discussed the significant aspects of the two options, you can make a decision. And while you are at it, consider protecting your home against unforeseen circumstances and tragedies. You would want your home to be safe from unexpected problems that take a massive toll on your finances and happiness.

Fret not! This is avoidable with the provision of purchasing home insurance. You can explore your options and buy the best home insurance in India which suits your needs. Carefully look at all the terms and conditions before finalising the deal. There are multiple home insurance options that can help you have the best premium and provide extended coverage.

Click HERE to know more 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.

A cup of tea, a favourite book, and some music in the background while you feel the sprays of monsoon on your face. That’s what dreams are made for your casual & chic home. We all have unique ideas of our happy space and how we want to decorate them according to our tastes. Some of us are truly blessed with good aesthetic sense, while others have to depend heavily on the internet for ideas and inspiration.

After spending hours on various websites and choosing the best options, you create the perfect room for yourself. What about your balconies? This article will discuss some exciting and economical ways to revamp your balcony to make it the perfect cosy space for you to unwind.

1. Plants are the perfect backdrop:

Adding plants is one way to add colour and freshness to your balcony. You can opt for flowering or nonflowering plants depending on your choice. If you are a beginner, go for low-maintenance plants like the snake plant, money plant, spider grass, etc. You can also use different prints and colours on flowering pots to add more character to the balcony.
Artificial turf is a game-changer if you want more greens with minimum effort. Homeowners use these to give their balconies the feel of a miniature carpet garden that adds more comfort and cosiness to the entire space.

2. Sitting arrangements beyond ordinary:

Since your balcony is susceptible to rains and sun, one way to ensure the sitting area is not perishable by using metal chairs and tables. These bring a certain antique charm to your balcony without overbearing on your pocket. You can also add swings to make it more fun and quirkier. Adding rugs, floor pillows, and pouffes can make the space seem instantly cosy, and in the event of rain, you can quickly put them back inside.

3. Add lights for vibrant nights:

Adding tiny yellow lights and lanterns is probably the best way to make your balcony beautiful and warm for the evenings. You can further add scented candles if you have visitors, making it the perfect hangout spot for you and your guests. This way, you may even bring the romance right to your balconies and plan perfect dinner dates with your beloved or instead just indulge in your favourite pass time.

4. Textured wallpapers:

Using textured wallpapers can bring a new life to your balconies. Depending on the plants and other furniture used, you can either select a bright pop of colour or an understated neutral look. Wallpapers are a foolproof way to instantly elevate the interiors and add a certain elegance to the space.

5. Shade and privacy:

Most people do not spend time on their balconies because of a lack of privacy or unfavourable weather conditions. Use an awning or extended coverage to protect your balcony from direct sunlight or rains. Opting for a retractable or a folding roof is a choice that you must consider to change and alter the look of your balcony.

These are a few ways to turn your old balcony into a cosy living space. Remember to not go overboard with the decoration. A cluttered space kills the purpose of building a comfortable space for yourself. Talking to an interior designer or an architect can help you understand how you can modify the area without spending a lot of money.

Add value to your home and memories by investing in home insurance. Home insurance is a safety net for you and your family that will help you in case of any damages or losses. Along with beautification, you need to ensure your happy place's safety from mishaps like theft, fire breakout, etc.

Click HERE to learn more about home insurance plans.

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

Owning a car promises exciting and thrilling adventures. Whether going on long road trips, making impromptu plans to meet up with your friends, or simply driving around the town while playing music, these are just a few of the benefits of owning a car. Every car owner wants to keep a well-maintained vehicle with glowing interiors and dashboard.

But how can you maintain a shiny car dashboard? The dashboard has nooks and corners that can quickly accumulate dust particles. Many of us eat inside the car, making it susceptible to spills and oil stains.

In this article, we will take a look at a few ways in which you can ensure the cleanliness of your dashboard.

1. Dusting:
One of the easiest yet most efficient ways of cleaning the dashboard is by dusting it regularly. Spare five minutes of your time to wipe down the entire dashboard with a dry cloth before leaving your vehicle. This will help reduce the build-up of dirt and dust and help in easy cleaning every time. You can also use a tiny brush with soft bristles to reach the crevices and folds that are not easily accessible by hand.

2. Vacuum:
Using vacuum cleaners once every month is another good way of ensuring clean dashboards. Vacuum cleaners help pick up tiny dust particles within the vents and buttons. This also increases the efficiency of ducts and helps with faster cooling when you turn on the air conditioner.

3. Cleaning solution:
Using a cleaning solution on the dashboard helps get rid of any greasiness. Spray some cleaning solution onto the surface of the dashboard and clean it thoroughly. Once done, use a damp cloth to wipe down the parts to avoid staining. Follow this up with a dry cloth to get rid of any residue. Remember to do this in small batches to ensure that the solution does not dry and leaves any patches on the surface.

4. Sanitise:
Since the dashboard is the most accessed part of the car, sanitising the drawers, buttons, steering, etc., is a good idea. Even if you are the only person using the vehicle, it is good to sanitise the area to prevent germs and bacteria.

5. Take special care of the infotainment unit:
Everyone inside the car often uses the infotainment unit. Use screen wipes and a microfiber cloth for best results. Microfiber can pull up dirt without causing any harm to the screen. Avoid using chemicals directly as you will constantly be touching the unit and are susceptible to being in contact with the same. Using harsh chemicals can also lead to damage to the anti-glare coatings on the console.

These are a few ways in which you can clean the dashboard. Proper cleanliness ensures good health for you and your co-passengers. Clean and stain-free interiors make a statement and provide credibility to the excellent maintenance of the vehicle.

If your interiors are neglected too often, you might need to change the unit entirely, which can be expensive. Add value to your car by investing in an insurance plan with a good motor insurance company. Getting the best deal on an insurance policy can be beneficial for you, in the long run, to stay stress-free regarding the expenses associated with your car.

Click HERE to know more about 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.

We all know the importance of investing in home insurance. It covers the cost of repair work and modifications in case of damages. However, there are various aspects of home insurance that you might not be aware of.

Let's look at some surprisingly strange things that might be covered under your home insurance.

1. Space debris:
Damage to your property caused by meteors, airplanes, rockets, satellites, etc., is covered under home insurance. The risk from these is listed as environmental hazards. Space debris includes both man-made things and naturally occurring objects.
Any damage caused by this debris to the structure and the homeowners' belongings is covered under home insurance. If you get injured on the premises of your house, the insurer is liable to provide you cover for all the medical expenses you incurred during your treatment.

2. Damage from plane and vehicle crash:
A plane crash in housing areas can lead to severe property damage and injuries. Other instances of crashes are when cars swerve off-road and crash into the house. Damages and injuries resulting from these crashes are also covered under the home insurance policy.
Under these circumstances, the party that caused the crash is liable to make monetary compensations for the damages incurred. If, however, their payout is limited, then your insurer steps in and pays for the rest of the expenses.

3. Damage due to civil disorder:
Any explosion, bombing, etc., arising from civil commotion can lead to property damage and vandalism. These situations lead to severe expenses and maintenance work due to heavy destruction. Property damage arising from fire, broken windows, etc., are also a few instances. If you are unable to reside inside your home due to these conditions, your insurer will cover additional living expenses such as hotel bills, meals, etc.

4. Floods and other natural disasters:
Due to increasing global warming, there has been a severe increase in natural disasters. Any damage incurred during these disasters is also covered under home insurance. Note that most insurers do not cover these, so look for insurance policies that include these factors.

5. Upgrades:
Any upgrades or modifications made due to new regulations from the local government are covered under home insurance. Opting for ordinance coverage is an excellent way to ensure that your insurer handles these expenses. Under this feature, the insurance company is liable to pay you the cost of overhauling a home or building to comply with the up-to-date building codes.

6. Identity theft:
Identity theft is a massive problem across the globe, and many fraudulent activities occur because of this. Insurance providers cover the cost of all the expenses, from legal fees to the reapplication of loans.

Insurance providers are there to help and support you in case of emergencies and other mishaps. Spending ample time on research and reading through the policy papers to ensure that you are choosing the best home insurance will help you in the long run.

Click HERE to know more about home 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.

Although travelling with kids is fun, it can also be challenging at times. Children are difficult to control and have to be constantly looked after no matter where you are. While parenting is blissful, it can be stressful during travel.

You need to ensure that you carry enough supplies for the trip, pack your essentials, and anticipate everything your kids might require during the journey. It also depends on their age, as younger kids need more attention than those old enough to carry their bags and take care of themselves.

Kids can get iffy while traveling for multiple reasons, including an unfamiliar atmosphere, too many people, deviation from the routine, and much more. But how to handle it when they get all worked up? This blog will answer that for you. By the end, you will know more about the different ways to handle your kid's mood swings while travelling.

1. Keep small toys handy:
You can distract your kids with their favourite portable toys. This will give them a sense of familiarity and allow them to have fun and stay unaffected by the crowd or the unfamiliar surroundings around them.

2. Food breaks:
Try to give your child quick snacks on the go like chocolates, biscuits, chips, or other food items they like. Giving them food and water breaks keeps their stomach full and can even help them drift off to sleep for the rest of the journey. This would keep the kids stress-free during the trip and be helpful for the parents.

3. Cartoons and shows:
Entertainment is always a saviour when it comes to calming kids during travelling. You can download their favourite shows and cartoons before heading for the trip. This will keep them occupied, and they won't be much bothered about their surroundings.

4. Activities can help:
Parents can pack different supplies for some exciting activities that the kids can indulge in. This will serve as a learning purpose while also keeping them busy. You can carry crayons, pencils, papers, board games, tokens and dice, comics, storybooks, etc., for the children to keep themselves occupied with. These pastime pursuits will engage them and enrich their knowledge while keeping their mood swings at bay.

Another easy way is to give your kids a gaming console to keep them occupied and have a relaxing trip. Next, carry travelling essentials for kids, pack their backpacks, and give them the responsibility to handle them if they are old enough. If you are travelling with a newborn, carry their diapers, warm water, milk, and a sipper.

These are some tips and tricks that parents can use to help their kids stay calm while travelling. Often children might get sick on trips, bringing you and your children into unprecedented situations. It is crucial to invest in an insurance plan to stay stress-free and protect yourself and your kids against any health-related emergencies or other unforeseen mishaps. You can check out all the available options and easily buy an insurance policy online.

Click HERE to know more about how you can buy insurance policy online.

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

Upgrading electrical wiring makes an old home more secure, modernised, and habitable. This kind of renovation is easier in a recently acquired property than in an older one. Unless you have prior expertise with electrical construction, do not try to change wires on your own.

Most people instantly think of the costs and clutter involving the job. Your strategy is determined by your budget, capacity to reach the walls, ceiling, crawlspace, and the amount of rework permitted.

To clear the confusion, below are the typical steps involved in changing the wiring of a house.

1. Planning:
The better you prepare for the rewiring, the easier the procedure will be. A precise design will assist you in locating and projecting the circuits in a manner that will retain the drywall in place. A thorough layout of the existing circuitry and a precise sketch of the internal components may minimise chaos and disturbance.

2. Working prep:
This step prepares the space for the new wiring. It marks a clear route for supplying the new wire to the outlets. If you opt to undertake the prep work, clearing debris around your house's electrical outlets is crucial to ensure quick access.

3. Calculating the number of circuits:
Many times, outdated wiring may not have enough circuits to meet the energy needs of contemporary appliances, lights, and electronics. Before you begin, you must first plan your trajectories. Conduct a study on housing circuits to aid in layout planning, or contact an electrician as a consultant.

4. Remove the drywall and rewire:
The removal step consists of ripping out and taking off the old wire. Because old wiring is often stapled to the structure, it is impossible to simply take the cables out of the wall. After ensuring that the electricity has been turned off, you may cut the wire and remove the visible portion, leaving the buried cable within the division.
Some wires are placed in more accessible areas and can be taken out quickly. You can tape the new wire to the old ones, pull the old wiring out, and let the new line fall into its spot and take effect.

5. Replace:
Replacement of main and sub-panels is one of the essential steps to changing the old wiring in your house. Also, ensure that you check the condition of the panel. If it's old or does not have circuit breakers in place of fuses, it is better to replace them to prevent further damage. Replacing the panels would also require changing the wiring of your entire house. Try to find a professional electrician to accomplish this task.

Some other steps to change the old wiring in your house include:

• Taking permits from the local authorities (even if you are a homeowner).

• Hiring a good electrician.

• Identifying the access points.

• Having the right tools to complete the work and taking stringent measures to ensure everyone's safety.

It is essential that the rewiring be done correctly and by skilled specialists. If not done properly, the wires might get nicked and lead to short circuits. Furthermore, if the panel and junction boxes are not connected, it might create radiation, negatively affecting your health and even hampering the condition of your house.

Your house is your safe space. It is where you and your family live and create memories. Hence, it is essential to safeguard your home. Invest in a robust home insurance plan and protect your home from unexpected hazards. You can review the available insurance plans and purchase the best home insurance policy in India that offers you great benefits at a reasonable premium.

To get the best home insurance policy in India, 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.

Smartphones are rapidly becoming an integral and inseparable part of our lives. These devices contain a mini virtual world within them that engrosses us with extensive features and seamless specifications. It has everything from the type of cuisine you like to what skincare serum you last purchased. Your social media account details, bank details, countless passwords, contacts and information are all stored in it.

But, what do you do if you lose your phone? In today's world, losing your phone can have significant consequences. Your details can get leaked or erased. Your money can be stolen if your account gets hacked, or you can lose important information.

The majority of phone lost cases are observed in overcrowded places, and, in some cases, the smartphone users forget their phone at public places like restaurants or shopping malls.

So, what if you have just lost your phone somewhere? Here's what you need to do to minimise the damage.

1. Keep trying your number:
It would be best to text or call your phone. The ringing would help you track it. And if your phone is lost (and not stolen), somebody would be able to answer your call and return your phone upon further communication.

2. Report:
Report the loss of your phone to your cell phone carrier. They can help you determine your phone's current location using your number. This could make it easy to retrieve your phone if it's lost in a vast crowd.
You can also deactivate your sim card to ensure that nobody can make threats and illegal fraud calls from your number.

3. Lock:
Try to lock your phone remotely. This will secure your device and restrict others from accessing your personal information. You'll get notified if someone resets it.
You can try deactivating your device too. In the case of iOS devices, you can activate "Mark as Lost", which disables your phone and send a confirmation mail to your email address.

4. Track:
You can track your phone using the GPS if you have the option active on your phone. In the case of an android device, you can log into your Google account (the one you use on your phone) and track your phone's current location using Google location history. This feature is beneficial sometimes, especially if your phone is nearby.

5. Clean:
To ensure that nobody gets access to your social media accounts and other personal information, try to wipe your phone clean if it goes missing in the crowd and you cannot retrieve it. You can use iCloud or Android device manager to erase your data from your device. Also change the passwords of all your bank accounts, social media handlers etc.

6. Monitor:
Try to monitor the activities of your phone. Keep track of any malicious and suspicious activities performed using your phone or number. Get in touch with authorities (police and phone carriers) and inform them if you find something fishy.

When you lose your phone in a crowd, contact your card companies and ask them to lock your cards and unlink your accounts so that nobody gains access to them.

The loss of your smartphone is worrisome. Insure your valuables to add an extra layer of security in case of unavoidable circumstances. You can purchase online general insurance by browsing through several options and purchasing the one that offers maximum benefits.

Click HERE to know more about how you can purchase online general 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.

It's an old adage "New or Old - Home is where the heart is". Whether you have moved into a new house or have just had your entire house renovated, you want to make sure that it is safe from calamities. You need to make sure that you can reduce the damage to your house in case there is a natural disaster and that you won’t need to pay a hefty amount trying to fix that damage. One of the best ways is to always have home insurance. With there being so many in the market, it isn’t that difficult to find the best home insurance in India. Here are some ways to secure your home against calamities: -

Get Home Insurance: Always having home insurance in place is one of the best ways to protect your house from any calamities. Home insurance will cover a certain proportion of the costs of repairing or will protect against any damage due to fire, a flood, an earthquake or other such disasters. So, if there were to be a calamity, you wouldn’t need to pay for all the costs of repairing from your own pocket; the insurance company will pay for most of it. Do a little research and choose only the best home insurance in india.

• Have a strong foundation: If you live in a house and not an apartment in a building, make sure to bolt the house to the foundation. When constructing or renovating the house, make it a point to secure the house to its foundations so it won’t be uprooted when there is an earthquake, especially if you live in an earthquake-prone region.
• Know how to turn off the utilities or electricity: When there is a natural disaster, the chances are that you won’t really have a lot of time to turn off all the electrical switches, water taps or the gas. So, you must always be prepared. Know where the main electrical board is or where the main source of the gas is, so you can just turn them off during an emergency instead of scampering around trying to turn off individual taps or switches.
• Do not put off any repairs: Whether there is a tap leaking, a hole in the wall or the roof, or the door isn’t properly hinged to the wall, do not procrastinate when it comes to fixes these problems. You cannot predict a disaster, and when it does hit, the slightest gap or the smallest hole will allow water to enter into the house and eventually flood it. In case of a storm or tornado, a loose door could ultimately break, and you wouldn’t have much protection from the strong winds or the damage they may cause.
• Try to use fire-proof materials: Trying to construct the house entirely with fire-proof material is not possible. However, the wires used must be all fire-proof. During a natural disaster, wires can possibly cause a fire, and using water to put it out would only be more dangerous. So, you must make sure that the wires you have running all over your house will not catch fire.

Being a homeowner, you need to keep a lot of things in mind to ensure that your property is safe from any damages and a natural disaster is something no one can predict so the only option is to be fully prepared.

The changing season affects our health, especially when it is winter. The chilly days are known for causing flu, cold and inviting other viral infections and allergies. There is not much we can do to prevent outdoor allergies, but we can take steps to stay safe indoors and keep our home allergy-free!

To help you with it, we have made a list of important tips for each area of your house to keep them allergy-free. Follow these steps to create a healthy environment for you and your family.

Bathroom:

Your bathroom is the most prone to mold due to the high moisture present. And the key to preventing this fungus is proper ventilation and regular cleaning:

1. Install and use an exhaust fan while showering to let out as much moisture as possible.

2. Remember to wash your towels regularly.

3. To prevent mold growth, it is best to clean your showerheads, sinks, bathtubs, and other faucets with bleach every once in a while.

4. Stagnant water can be problematic even in the bathroom, so empty your bathtubs, buckets, and sinks of any standing water and clear the drain blockage.

5. Avoid wallpapers; instead, paint your walls as mold grows under the wallpapers.

6. Cleaning is a priority; make sure to scrub the toothbrush holders, soap containers, and shelves too.

Living room and general tips:

The living room is where your guest usually hangs out the most. Therefore, it is even more critical to create a safe, comfortable, and allergy-free space for them:

1. Manage indoor plants properly. Please keep them in a dry place, check for mold growth, ensure good airflow by placing them at a proper distance and spray the soil with fungicide.

2. Pay attention to the décor. Reduce the amount of dust collecting things like stuffed animals, heavy curtains.

3. Keep your pets in a confined region and bathe them once every week.

4. Keep wall decorations to a minimum.

5. Air conditioners are perfect dehumidifiers, and they also filter out pollen and discourage cockroaches.

Bedroom:

It is our favourite huddle zone. Therefore, it is necessary to take extra measures to keep this place allergy-free:

1. Periodically wash your pillowcases, bed sheets, linens, floor mats, and curtains.

2. Try to vacuum at least once a day and use a hose to reach every corner.

3. A bed is a heaven for dust mites; it is warm, relatively humid, and has a lot of food in the form of dead skin cells; therefore, clean your bed every day and consider buying dust mite-proof covers.

4. Wash your comforters and pillows regularly.

5. Do not forget to clean your windows. Vacuum your window sills and use cleaners to wash the glass.

6. Use air filters if there is no proper ventilation through windows.

Kitchen:

Most of the allergens and diseases are born in the kitchen. But, by maintaining a clean, ventilated, and dry space, we can control the growth of allergens:

1. Do not leave the dishes uncleaned overnight. It is best to wash them instantly after use. Also, dry them; never put wet dishes in the cabinet.

2. Please do not allow the food to go down the drain, as it will block the drain, leading to mold and stinking sinks.

3. Clean your refrigerator and try to consume leftover food as soon as possible.

4. Only cleaning the countertops after cooking is not enough. Regular mopping and dusting are essential to maintain proper cleanliness.

5. Take the trash out every day as garbage bins can spread way more germs than you think.

6. Make a note of the food allergies you or your family members have. And avoid buying such food.

Considering the above tips, you will manage your home’s health and keep the spaces free from allergens. Financially safeguarding your insured belongings is never a bad idea. So, think of investing in a house insurance plan to protect your home with a promise of trusted safety.

Click HERE to know more about the house insurance plans best suited for 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.

The mornings are lazier, and the showers are a little hotter. Hoodies are out of the cupboard; winters are here! While we are desperately seeking to warm ourselves and our houses to a more comfortable temperature, it is important that we first ensure fire safety in our homes. While it's not necessary that fires only happen during the winters, even a BBQ in the warmer months can cause an outbreak. Therefore, you must be prepared for such incidents if they may arise.

Every year, people lose their lives as a consequence of house fire incidents. However, if you plan fire safety measures correctly and safeguard your house, you can prevent a deadly fire from breaking out at your home.

Check this fire safety instruction guide that will help you be on your marks if things go south.

1. Keep multi-use fire extinguishers at important places of your house:
Place fire extinguishers near the areas of your home which have a high probability of catching fire, such as the kitchen, utility area, prayer room, and laundry area. Purchase only the ISI-certified product. Make sure you're familiar with the operating of the extinguisher.

2. Install and maintain smoke detectors at your residence:
Install smoke alarms/detectors in each room. Preferably, use a hard-connected system so that the signal is audible throughout all the rooms. Consider a professionally installed fire alarm system for an even higher level of security. If you use battery-powered smoke alarms, make sure to check the batteries regularly and replace them every six months.

3. Install a fire sprinkler system all over the property:
Installing a fire sprinkler system provides additional fire safety benefits. For big houses, sprinkler systems are often effective when they are operating on automated suppression. Fire sprinklers can safeguard and save all of the property's inhabitants as well as the property itself. They have in built sensors that detect smoke and fire that trigger the water sprinkling process to control fire outbreaks.

4. DO NOT overload switches:
When you overload your power outlets, you significantly increase the chance of an electrical fire in your house. For example, connecting an electric heater to a multi-board or multiplug is dangerous. These heaters consume a lot of energy and, in many situations, can overload the electric circuit, creating an undetected meltdown inside the wire. When left unattended, this can rapidly turn into an ablaze.

5. Look after your practices:
Cooking? Don't leave the gas unattended at any time. People who smoke in the house should be cautious; make sure the burning cherry on your cigarette does not touch anything. Prayer rooms should have proper ventilation, and the ‘diyas’ and incense sticks should have a dedicated place away from anything combustible.

Pro-tip: Have an escape plan ready for the residence. Gather all the family members and share the fire exit plan and an escape route. Examine all available exits and evacuation routes in your home and your apartment. Practice that drill every once in a while to get used to it.

With the winters just around the corner, this is the time when you use room heaters most to keep your home warm. But you might know that room heating is the most common cause of fires. Therefore, it is essential to protect your property from any blaze with all precautions in place. Get in touch with a reliable fire insurance company that will be your guiding hand in unfortunate times. A Fire insurance company will compensate for your loss against unforeseen events like lightning strikes, explosions, or unintentional fire due to short-circuits.

Click HERE to know more about fire insurance plans 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.