GENERAL INSURANCE BLOG

What's better than enjoying a cosy winter afternoon basking in the sun? In India, winters have their charm. However, as the winter season descends, the temperatures can dip low from December to February. This means that you will find it difficult to wander outdoors.

But staying indoors can also become monotonous. It is all the more difficult for the elderly, who find it extremely difficult to step out. The weather is difficult for them, making them prone to various infections and health conditions like arthritis, joint pain, cough problems, and more.

The best solution to deal with it is by staying indoors. It is a month-long lockdown for them. So, how do we keep the seniors entertained and content at home? This article will give you all the answers that you are looking for. We have curated a list of the best indoor activities for the elderly.

While you create an atmosphere with all the indoor activities, you should always have the most affordable health insurance plans to keep you and your family afloat, especially the seniors.

Here's a list of the top indoor activities during winter for seniors.

1. Puzzles:
Puzzles are one of the best indoor games ever invented. They are not only entertaining and enjoyable but also great for the mind. They will help the seniors pass the time and make priceless memories with their families. You can engage them in jigsaw puzzles, crosswords, or sudoku. They are good exercises for the brain. You can also turn it into a family activity for added fun. It will guarantee moments of warmth and togetherness.

2. Knitting or sewing:
Knitting or sewing is an amazing indoor activity during the winter. It is not only productive but also helps in enhancing the motor abilities of the body. It helps in maintaining the hand-eye movements of the elderly. You can encourage them to pursue their hobby of knitting or sewing in their free time. Gift them a sewing kit to get them started, and try to knit with them to make them more valued.

3. Reading:
Reading is the best hobby to practise in old age. It encourages cognitive benefits. Reading diverse literature will also strengthen their knowledge and develop their imagination. What's better than losing yourself in the world of fiction during winter? It is a superb indoor activity for seniors. You can ask them about their genre of choice and help them select a book accordingly. You can also get them to join an online book club to discuss their book every month.

4. Cooking / baking:
Winters are for sweet treats distributed throughout the household. If your seniors are into cooking or baking, they can easily have a great time doing that. Cooking is a fulfilling yet productive activity that can keep one busy all day. The results also give them a sense of worthiness. You can ask your loved ones to treat you with baked goods during this festive season.

5. Painting / craft:
Winters are the best time to explore the Picasso in you. You can gift your elderly art supplies and see them unravel their creative side. You can encourage them to draw, paint, or create whatever they wish. It is a great activity for them to enhance their creativity and imagination.

These are some of the best indoor activities you can do with the seniors in your house. They will thoroughly enjoy doing these while they stay home during the winter. Regardless, you should always look at affordable health insurance plans beforehand for your family members. It is good to always look out for them!

Click HERE to buy 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.

If you are somebody who wants to invest in a scooter or a bike, you should first figure out if you wish to purchase a new or used vehicle. It will help you to narrow your searches by a large margin.

Not just that, buying a used two wheeler will also save you a significant amount of money. If you are a first-time buyer, you may not understand why a used vehicle can be a good option. In this blog, we will discuss a few reasons you should consider buying an old two wheeler rather than a new one.

Meanwhile, whether buying an old or new bike, understand that it is crucial to protect your vehicle with the best two wheeler insurance in India.

1. Getting bikes or scooters at half the price:
One of the main reasons you should select a used vehicle over a new one is the price difference. You will be able to get your favourite bike or scooter for half the price, making it convenient for you to get the best deal.
So, you should make a detailed list to narrow your choices and filter them as per your requirements and budget. Compare the offers of different dealers and pick the one that suits you best.

2. Getting in contact with the best dealers:
When you start looking for used bikes or scooters, get in touch with trustworthy dealers. Since several dealers are selling pre-owned vehicles, reputed dealers are the ones who have a wide range of well-maintained models with competitive prices. You can choose one that will fit your needs the most.
Not only that, but an experienced dealer will also ensure the two wheeler is safe and secure. If you select the best dealer, they will also provide you with other benefits, such as insurance, post-care services, etc. In addition, they will also help you acquire a bank loan for a pre-owned vehicle, if required.

3. Appropriate professional check-ups:
Good dealers have their panel mechanics who ensure that bikes and scooters are safe to drive before they go out on the road. Not just that, but they also examine the two-wheeler for rust and change the parts with new and genuine ones for an improved rider experience.
You may also ask them to look at all these improvements and alter them if needed at the time of buying. In addition to that, they will also assist you in taking the bike or scooter out on a test drive to determine if it is best suited for you.

4. Price negotiation is available:
If you are looking for a two-wheeler within a budget, it is best to opt for a used one since price negotiation is readily available. If you already know everything about the bike you want to buy, you can make an offer based on your budget.
Multiple dealers nowadays provide options to help you acquire the best price for your choice of vehicle. Because of this, it will be easy for you to save a lot of money in a short amount of time.

For novice riders, it is always a good idea to ride used two-wheelers and train themselves professionally before purchasing a new one. Used two-wheelers will give you better opportunities and options to go around and get your favourite bike home at affordable prices.

Whether buying a new or old one, it is important to purchase two wheeler insurance. It is mandatory by law to have insurance to ride legally in India. Buy the best two wheeler insurance in India and promise your two wheeler a reliable safety net.

Click HERE to buy the best two wheeler 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.

Is this your first time owning a bike? If so, you may not know how to detect a dying clutch. A clutch is one of the most crucial parts of a vehicle that connects and disconnects the engine to the transmission system.

It is one of the main working parts that needs your close attention. A malfunctioning clutch may cause serious harm to your vehicle.

Here are a few factors that can help you to detect if the clutch needs an immediate replacement.

1. The bike and the engine start at different speeds:
One of the main aspects that can help you notice a malfunctioning clutch is when your two-wheeler and engine start working at two different speeds. This is known as clutch slippage. You will be able to notice it when you start your vehicle and accelerate, it will run slowly, but the engine will be at high speed.
Since the friction in the clutch gets reduced over time, it becomes more challenging for the disc to hold on to the flywheel and pressure plate. It, in turn, makes it hard for the engine to transfer energy. You should pay attention to this symptom immediately, or it can lead to some major damage to your bike.

2. Reversing the gears becomes challenging:
The second factor that will make it evident for you to notice a dying clutch is when reversing becomes more challenging. In such a situation, you will not be able to get in or out of third gear, making riding comparatively worse for you. Since it only happens when your clutch is dying, it will help you realise that your two-wheeler requires servicing.

3. Clutch pedal makes noise:
When you depress or release the clutch, the clutch pedal starts making noise. You may also feel vibrations on your bike with shifting the gear, which might indicate a worn-out clutch. Not just that, but the clutch also makes a sound when the lubricant that helps it run dries up. Hence, you should get your vehicle checked by a mechanic to get the problem solved.

4. Clutch creates a burning smell:
Another factor that can help you spot the malfunctioning clutch is when it starts giving a burning smell. It happens when the slipping machine causes friction, which increases the temperature gradually.

5. Avoid aggressive downshift and riding on clutch:
Many riders have a strange habit of aggressive downshifting even when it is not needed or can be done better and more smoothly. These sudden and aggressive downshifts put pressure on the clutch system, and it gradually wears out.
Riding for a long time with a half-clutch pressed is not recommended. Use the clutch only at the time of gear shifting and avoid riding with the clutch engaged at all times.

6. Reduced fuel consumption:
Clutch problems significantly impact the mileage of your bike. A worn-out clutch puts pressure on the gearbox, further lowering the engine's performance due to the excess fuel required to generate power. This reduces the mileage of the bike and even impacts the quality of the engine over time.

Do you wish to drive in a way that will help you stay secure? If yes, you should take care of your bike's clutch regularly. One of the best ways you can do this is with the help of mechanics and regular servicing. Another proactive way to ensure your bike's safety is purchasing bike insurance online. Get affordable deals, enhanced coverage, and exciting benefits that make your life less stressful and financially sound.

Click HERE to buy bike insurance online.

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

Diesel and gasoline both cost a lot of money. Each has benefits and drawbacks, and you'll find it challenging to choose the best car variant. If you compared them to one another, you would see that their prices are still very different from those of CNG. The winner is unquestionably CNG (compressed natural gas) every time!

If you drive a lot, CNG is cheaper and better for the environment in the long run. However, it does have an impact on your car insurance premiums. What and why?

Here is what you should know if you ever want to buy a CNG kit for your car. Determine whether owning a CNG kit will affect your premiums directly or indirectly.

Before that, let's discuss its benefits.

1. More efficient mileage:
The mileage of your car will significantly increase after the CNG kit is installed. Less fuel is required for the same distance than petrol and diesel. Additionally, CNG is less expensive than petrol by roughly 50% or more, getting you more saving on fuel.

2. More protection:
Need protection and good value? A safer option than gasoline and diesel is compressed natural gas (CNG). It is a good eco-friendly fuel option due to its low carbon dioxide emissions.

3. Real cost savings:
Although CNG kit installation involves a considerably high initial cost, you can easily cover it in a few months

The drawbacks of CNG are as follows.

1. Increases boot space requirements
The size of a CNG kit may take up most of your car's boot. Avoid CNG kits if you like taking long trips with a lot of luggage.

2. It's not always easy to find:
CNG is still not available at all the fuel stations. It implies that you'll have to wait in a huge line of vehicles when you need to refuel. The refilling process could take up to 15 minutes or more.

3. Licensing and convertibility:
The CNG fuel system only works with some cars. Before the equipment is installed, you must receive government approval. The Registration Certificate (RC) must be branded with a "fuel change" seal as part of a series of requirements.

How does your car insurance policy be affected?

1. Current insurance won't be enough:
There is still work to be done if you want to install a CNG system in your car. You might assume the current insurance coverage would be sufficient. However, it won't be enough. With CNG kits come higher maintenance and repair costs, the car insurance premiums also increase. The CNG kit must be listed on the vehicle's registration certificate to satisfy some insurance.

2. Invest more in premiums:
Insurance companies view CNG vehicles as of a higher risk. Liability insurance for your CNG vehicle would cost you an additional sum. Typically, the increase is between 4% and 5% of the cost of the CNG kit. The age and brand of your car affect the premium as well.

To insure the kit, you must have your car insurance policy's endorsement approved by your insurance provider. Your entire policy will be considered invalid if you don't complete it. Be prepared to give up your car insurance benefits if you choose not to insure the CNG kit! Always verify with your insurer before putting the kit in your vehicle. After receiving their confirmation, only then should you decide.

Click HERE to buy a reliable car 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 demand for passenger cars has continued to grow each year due to economic growth, the production of affordable vehicles, and driving convenience for the public.

However, with the rise in vehicle ownership, an inevitable increase in traffic and stricter rule enforcement have followed. It is essential to follow the rules to protect the passengers and the vehicle. For instance, purchasing a car insurance cover is one of the first things that you must do after buying a car to protect the vehicle from damages and reduce the financial burden on the owner. The car insurance price in India is reasonably set depending on usage, model, and engine cc and covers any contingent damages.

It is also essential to follow the rules laid down by the RTO. Often, car owners get their windows tinted, a practice restricted by the authorities. This blog discusses the issue and the consequences of not following the regulation.

What are window tints, and why are they needed?

If you are unaware of the term, it may be because your car does not come with pre-existing tinted windows. Placing a thin laminated film on the inside or outside of windows is common in automobiles and glass buildings, which results in tinted windows.

The thin barrier prevents harsh sun rays from entering the room or the vehicle, thereby minimising the heating. Since sunlight is known to penetrate glass easily, it not only heats the interior but may also cause damage to the seats or furnishings. Apart from sun protection, it provides the added benefit of privacy by minimising visibility from outside.

To sum up, tinted windows are a beneficial addition to cars since they protect the car's interiors from heating up, reduce the risk of damage due to direct exposure to sunlight and also provide passengers privacy.

Why does the RTO restrict the use of tinted films?

The RTO only allows a percentage of tinting that is permitted on laminated films for use on car windows. By following the limits, car owners can safely and legally protect their cars from the heat.

The significant risk of using tinted films is the reduced visibility to drivers. Driving requires the complete focus of the driver and the proper functioning of all his senses to ensure safety on the roads. Depending on the tint percentage, these films can severely hinder the driver's visibility and lead to accidents.

Are window tints illegal?

According to the judgement passed in 2012, the RTO has approved sun control films on windows that provide a minimum of 70% visual light transmission on the front and rear glasses. The side glasses must have minimum visibility of 50%. Some automobile manufacturers also provide the option of installing RTO-approved car glass films.

Penalty on tinted car windows:

If you install tinted films that are not following the RTO's guidelines, you may be fined INR 100 for your first violation. If found for the second time, the fine increases to INR 300. The subsequent breach is fined INR 300, along with the cancellation of the driver's licence. While tinted windows are not illegal, it is necessary to abide by the rules established by the authority to prevent one from getting into legal trouble.

Car insurance is a crucial investment tool that offers comprehensive coverage to the owner if the car gets damaged in an accident. Purchase one for your car by browsing through different plans online and looking for the best car insurance price in India.

But, not following the RTO-issued guidelines on tinted windows or road safety may cause you to encounter the rejection of your car insurance claim. Stay alert and avoid yourself from landing into any trouble.

Click HERE to check out for the best car insurance price in India.

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

Nearly 138 crores of the Indian population adhering to stringent traffic rules can seem daunting, but the benefits are surely rewarding. It is imperative to understand that these rules are in place to ensure the safety of citizens and exercise their rights freely without causing inconvenience to others.

Even with so many rules and regulations, many people face harrowing accidents and unfortunate defilement while travelling. It can be costly to deal with the expenses involved after an accident. With accurate knowledge and proper planning, one can counter these challenges with the seamless advantages of an insurance policy.

A motor insurance claim is a compensation provided to the insured by a motor insurance company. The compensation is paid for any damage caused to the insured's vehicle. The policyholder must pay a monthly premium to avail of the insurance benefits and get compensation for damage done to the vehicle and even to third-party.

Motor insurance is an efficient safety net to safeguard your asset and prevent your finances from draining behind the repair and maintenance work. It is important to keep your motor insurance updated and look for its renewal date. Never miss out on your motor insurance renewal. You can conveniently do online motor insurance renewal to save time and avoid your policy from lapsing.

Let's look at various types of motor car insurance claims available along with their requirements.

1. Cashless insurance claim:
This settlement process is the most convenient. You don't have to worry about expenses or vent your pockets for the repair work. The motor insurance company will clear all the bills associated with the respective vehicle, thereby giving you cashless benefits.

2. Reimbursement insurance claim:
You have to foot the bills by yourself, and the responsibility of filing for reimbursement is upon you. It can be daunting to keep track of all paperwork of repair, original bills etc. The documents required for claiming insurance should be thoroughly checked and filed accordingly. The claim can remain deficient if the necessary instructions are not followed.

3. Third-party claim:
This claim is enforced to seek coverage to the third-party liabilities. If any third party suffers damage from the insurer, it should be reported to the nearby police station and the motor insurance company. If the roles are reversed, the individual seeking claim must provide the vehicle and owner details needed to claim the insurance.

4. Own damage claim:
This type of claim is filed after the insured's vehicle is damaged in an unfortunate incident. The motor insurance company should be immediately notified where the verification and assessment of the damage will be done before paying the repair cost. The insurer must submit the required documents if a reimbursement claim is needed.

5. Theft claims:
This is raised when a car gets stolen. The initial step is to notify the police, the RTO, and the motor insurance company. Documents required to claim must be maintained and provided along with the car keys.

The following documentation is necessary as deciphered by the insurer:

1. In the case of accidents:

● The claim form with signature

● Copy of motor insurance policy

● Car registration certificate

● Driving licence

● FIR copy

● The bill estimated for damage repair

● Repair bill and payment receipts

● Vehicle inspection address (if no garage is mentioned)

2. In the case of car theft:

● Copy of insurance policy

● RTO theft declaration

● Police FIR copy

● Subrogation letter

● Car registration certificate and book

● Previous insurance policy details

● Any car-related items such as keys, warranties, booklets, etc.

● Forms 28, 29, 30 and 35

● RTO official intimation for theft

● Claim discharge voucher with revenue stamp and signature

3. In the case of the third-party damage:

● Claim form signed and filed

● Police FIR copy

● Driver’s licence

● Registration certificate and related documents

● A vehicle's original registration copy with the stamp

The police and the insurer must be notified about the mishap within 24 hours. The claiming process can become effortless and less complicated if the necessary documents are prepared beforehand. The owner must evaluate the entire situation before claiming anything for their vehicle. Every legal documentation in motor car insurance must be taken care of. Regularly schedule your online motor insurance renewal before the due date so you can avail maximum benefits and safeguard yourself by being a responsible citizen.

Click HERE to get online motor insurance renewal and protect your vehicle.

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.

There is no denying the importance of having the most comprehensive and cost-effective motor insurance policy that fits your needs and finances. Though in all of this, let's not forget that the insurance policy's premium can be affected by several things, natural disasters being among the most significant.

Since many readers seem to lack even the most fundamental understanding of how large floods might affect the cost of your car insurance, that's what we'll be discussing today.

When your vehicle is damaged in a major flood:

The first thing you should do after a flood is contacting your motor insurance company. They should make the necessary arrangements to restore your vehicle. Floods affect many people and their vehicles all at once, so you'll want to act quickly. It's important to file your claim immediately; the longer you wait, the more damage you'll likely incur. However, remember that major floods can make insurance companies slow down as the other drivers may be filing similar claims at the same time. This makes the claims process difficult for insurance companies.

If your insurance company provides a claim based on a flood, you may see your premium increase or lose on the NCB (No Claim Bonus) benefits. Most insurance companies won't increase the premium immediately, and also it may take longer for the claim to be cleared.

Methods used to calculate flood-risk zones:

Flood-risk zones are areas prone to frequent floods. These zones are often identified in the form of maps. There are many ways to determine a flood zone, and each type has its own conditions.

Flood insurance premiums are based on the probability that a vehicle will be damaged due to flood. The probability is usually between 0.2% and 1.0%. The risk to a vehicle's value depends on the location within the flood zone and the severity of the flood.

Effects of large flood events on premiums:

In the last decade, weather-related catastrophes have increased in frequency and severity, posing considerable challenges for the insurance industry. And the effects of climate change are expected to accelerate this upward trend, further affecting insurers' bottom lines.

Large flood events can cause motor insurance companies to reduce their payouts by reducing the number of claims they pay. Insurers also limit their payouts by restricting coverage for high-risk events. This, in turn, increases pressure on governments to invest in flood prevention and to provide compensation to those affected.

Floods are events that cause significant damage to vehicles, from expensive repairs to a total loss. They reduce the vehicle's value, and only comprehensive motor insurance can help you deal the best with these losses. If you reside in a flood-prone area, you need to consult your insurance company to see if they can cover the cost of repairing the vehicle. You may even consider buying add-ons like Zero Depreciation cover, Non-Claim Bonus (NCB), Engine protection cover, Roadside Assistance cover, and more to further lower the impact of flood damage and provide broader coverage. If you live in a flood-prone area, then you always need to be on your toes and up-to-date with safe and reliable financial instruments like insurance to make damages appear less daunting.

Click HERE to buy comprehensive motor insurance for your car.

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.

Financial education is a topic being discussed like never before. What was previously seen as a taboo is now being openly discussed in live conversations and on various platforms on the internet by an audience of different age groups. As modern-day parenting involves breaking down finances by providing the privilege and freedom money brings, children are not far left behind.

Insurance is a fundamental component of sound financial management, which must be introduced to kids early. You can set an example by discussing different insurances with your child in simple words.

Why should you discuss insurance with kids?
You may wonder why discussing insurance with kids is of significance. Simply put, insurance is a mechanism that provides safety cover and teaches budgeting and saving, which are essential for efficient money management. People who have not been exposed to insurance at an early stage tend to take it for granted and realise its importance after reaching their 30s or 40s, when insurance providers hike up premiums, making insurance expensive.
By teaching your children the benefit of insurance, you are making them aware of contingencies, being prudent, and taking covers to monetarily protect themselves from any damage to their property or health. When taught at such an impressionable stage, concepts tend to stick for a lifetime and help in making conscious decisions relating to money.

How to bring up insurance with kids?
Insurance is a complex yet essential instrument that provides safety against contingencies in the future. While necessary, it wasn't easy to understand and pick one for your needs before digitalisation. However, the internet's plethora of resources makes it accessible to all. For example, you can buy your two wheeler insurance online India and show your children the complete process and its benefits.

1. Make use of your kid's prised possessions to pique their interest
Drawing and retaining a child's attention is challenging. However, you can easily explain different insurance types to children using what they hold dear- toys. Insurance protects what matters most from unintended damage. Use this concept to get your child's attention. Insurance discussions with children do not have to be formal and provide the best results when introduced naturally.
Playtime provides the best opportunity to introduce insurance. Using imaginary scenarios and functional characters, you can use them to explain the unpredictability of the future and the need for a safety net.

2. Use of digital resources:
Recently, resources like online courses have seen a rapid increase in demand. Similarly, online creators on platforms cater to simplifying finance for non-specialists, and a specific niche for kids is also developing. Since kids of this generation occupy the maximum screen time, it becomes easy to introduce financial habits in uncomplicated terms through visuals and digital content.

3. Involve your child in making financial decisions:
Choosing where to spend your money is essential to building an ample savings amount and helps determine the individual's financial acumen. Once you have introduced the topics to your child, give them a weekly or monthly allowance of a minimal sum that is enough to purchase a small value item like a snack, and then ask them where they would prefer to direct the balance amount.
You can guide them to invest their money to safeguard their valuable assets like their two-wheelers by researching themselves and investing in the two wheeler insurance online India. Let them know the wonders insurance can have in one's life due to its seamless benefits. This way, your child will gain practical exposure in a controlled environment.

Financial literacy is not obtained overnight and is a healthy discussion that should be initiated at the earliest stage possible. It allows for a greater sense of responsibility in children. The best way to inculcate this habit is through regular discussions about savings and managing wants and needs.

You might give your child a pretty bike or a scooter once they cross 18 years of age. Still, your next step should be advising and motivating them to self-understand the importance of crucial financial investments like insurance. They can start by using the internet for their analysis and learn to invest in two wheeler insurance online India not just to safeguard their asset but more to learn the power of smart investing!

Click HERE to buy two wheeler insurance online India.

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

In a country like India, a two-wheeler is one of the convenient options for commuting. It is affordable and preferred by the majority of people. As the cost of fuel prices is soaring high, two-wheeler has become people's favourite. Most people in India prefer a two-wheeler for all their travel needs.

However, an average Indian family consists of a minimum of three members, which makes it challenging to travel by road on a two-wheeler. A two-wheeler is designed to keep the needs of two people in mind, and using it for triple riding can be dangerous. When three people travel in a single vehicle, the risks increase manifold.

In this article, we will discuss why triple riding in India is a violation and should be avoided.

Furthermore, you should always have 2 wheeler insurance to help you tide over unwanted circumstances. It will ensure the safety of your vehicle at all times and prevent it from any financial harm during emergencies.

Why is triple riding prohibited in India?
Whenever roads are heavily congested by traffic, things ought to get complicated. India is no exception. It is the second most populated country that still lags in road planning and spacing. This leads to numerous road accidents daily. Henceforth, to tackle this problem, the Indian government has come up with a set of stringent traffic rules and regulations, including triple riding.

The main traffic rules related to triple riding via a two-wheeler are:
● Only two people, including the driver, should be allowed to sit on a two-wheeler.
● Both driver and pillion rider should be wearing helmets while riding.

If these two strict rules are not followed:
● You will be liable to pay a fine of up to INR 1000 to the traffic police. The fine rate can vary according to the state you live in.
● You may be prohibited from holding your driving license for up to three months. This means that you will not be able to drive around at all.

Why should triple riding be avoided?
Tripling has become extremely common in India. It is as common as jumping traffic lights or not wearing a helmet. Most people do not seem to care about the repercussions when they consider tripling.
Additionally, the bikers who opt for tripling are not only putting their lives at risk but also endangering the lives of others on the road. A two-wheeler is meant for two people and is mechanically incompatible with bearing the weight of three. This can damage the vehicle in the long run or cause problems at any time.
Mostly young riders of 18-25 years of age are spotted triple riding. They put their lives in danger without being aware of the traffic rules and the severity of the offense.

Triple riding is a regular sight in India. The government should make strict rules and levy heavy fines on riders who break the traffic rules. People try to overlook the consequences of tripling and consider it as a fair option for commuting, especially to travel short distances. Know your responsibility and act wisely when riding a 2 wheeler. Also, you should have 2 wheeler insurance so that there is no financial loss that you have to bear if you meet with an accident.

Click HERE to buy 2 wheeler insurance to keep your vehicle protected at all times.

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.

There is nothing as fascinating as travelling, which allows you to explore new and exciting places, meet new people, identify their culture, try diverse food, and discover local music.

As a traveller, you always want to have a travel experience that is hassle-free and free from any problems. The more problems you encounter on your trip, the less enjoyable it becomes. Tourist traps are one of the major issues that tourists face on their trips. Many scammers and fraudsters roam at these tourist places, trying to scam travellers. This can make your journey unpleasant and uncomfortable.

To avoid such a problem, you should always stay alert and follow certain things that will help you dodge tourist traps. The first layer of safety can be ensured by researching and investing in the best general insurance plans.

The tips and tricks to help you deal with tourist traps are as follows.

1. Blend in well:
You must not look or do the deeds of a tourist. This will make you stand out from the crowd. In this way, you're likely to fall prey to tourist traps. To avoid this, you need to blend well with your surroundings. If it is a new place that you have not visited earlier, do some research in advance. Be aware of the dressing style of the locales and dress accordingly. You should always dress in outfits to camouflage your surroundings and avoid unwanted attention.

2. Go local:
Instead of relying on your guidebook, go for a local option for dining in the city. The fancy and posh restaurants that your guidebook and brochure suggest are often too pricey and not up to the mark. They offer mediocre meals at high rates. You are likely to spend a fortune and then end up with nothing. Hence, it is recommended that you dine locally at cafes and restaurants. Explore nearby areas and discover hidden gems that will satiate your taste buds.

3. Go during off-season:
Although the tourist season is attractive, it has its set of worries. It will leave you with more headaches than you can fathom. From spending more money to getting bad deals, the prime holiday season is a waste of time. If you want to explore a place in peace, then go during the off-season. You will also be saved from tourist traps!

4. Use public transport:
Instead of opting for cabs or taxis, take the train, subway, or bus. You are likely to avoid tourist traps this way. It will also ensure you save a ton of money when taking the bus. If it is possible, walk to nearby distances. There's nothing as fascinating as exploring a city on foot.

5. Don't trust strangers:
When you're in a new city, a large number of people will want to interact with you. They will offer to take your luggage, give you directions, or even offer you a taxi or auto ride. However, you need to be extremely careful in such situations. It is often advised not to interact with such people as they're always looking for a chance to earn more money from fellow tourists. They can also charge a hefty fee for their services or even run away with your luggage in worse cases.

With this being said, you must take all the possible measures when you travel to a new place. You can easily fall into a tourist trap and lose your money and belongings. As a traveller, you would always want to carry good memories rather than stress when you head home from a destination. Invest in the best general insurance plans in advance to avoid problems during your trip.

Click HERE to buy the best general insurance plans and protect yourself while travelling.

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.

What is the first image that comes to your mind when you hear of outdoor adventures? The most popular thought associated with the idea is likely to be camping, an offbeat experience that tastefully connects nature and adventure.

Camping is a solo or group adventure popularised by the West that involves outdoor overnight stays in unfamiliar terrains to enjoy the beauty of untouched nature. While it is an experience like no other, camping does involve a lot of effort and adjustment to make the stay enjoyable.

Camping has always been a top choice for avid travellers and adventure enthusiasts, but a new activity that interests everyone is glamping. It is a perfect introduction to camping that brings together luxury to the wilderness, making the experience pleasant and more premium.

Read on to find all about the trending activity, where you can find glamping sites in India, and whether it is covered under general insurance plans.

What is glamping?
If you need a break from your hectic life and wish to explore the wild without putting in too much effort, glamping is the ideal outdoor activity for you. It is a simple mix of glamour and camping. Depending on your budget, you can opt for a high-end camping stay set amidst a picturesque outdoor setting.

Are there any risks associated with glamping?
When you look past the glamour, there are several risks associated with glamping, just like camping. You may damage your property or glamping equipment, lose your luggage or face health issues on the trip. We strongly advise you to contact your insurance provider to confirm what damages are covered in your general insurance plan and clarify your queries to ensure that you have a cover to bank on in case of any unfortunate incidents.

Best locations in India to experience glamping:
Glamping is an activity that garners the interest of young and old alike. But where exactly in India can you enjoy this adventure? Here are the best locations for a quick glamping trip.

1. Jaisalmer:
Also known as Golden City, the city in Rajasthan with expansive deserts is an excellent place to go glamping. With luxury camps pitched in the desert, it makes for an experience like no other. Glamping companies also tie up with other entertainment providers to provide sightseeing and local experiences as a part of the package, making the trip worth the price.

2. Ladakh:
Ladakh makes for an exquisite glamping location. You can enjoy the rustic beauty of Ladakh from your luxurious tents without making any compromises. Although placed in the middle of nowhere, the tents have all the amenities to make your trip comfortable and enjoyable.

3. Goa:
The popular tourist destination for a quick getaway is unsurprisingly great for glamping. With beaches, moderate temperatures, and top-notch entertainment, Goa is the best place to kick back and relax. While there are several luxury tent providers, you can decide to have a minimalistic glamping trip by using your car as your tent.

4. Kerala:
Kerala's pleasant temperature, idyllic scenery, and slow pace of life set a great mood for glamping trips. The vast range of biodiversity in the state provides an opportunity to engage in activities like trekking, sightseeing, and boating. Known for its hospitality, you will have a relaxing glamping trip in Kerala.

5. Darjeeling:
Sprawling tea estates, widespread greenery, and long trails in the thickets of the forest make Darjeeling an exotic vacation hotspot. A glamping trip in Darjeeling is peaceful and gives time to reflect and escape the everyday bustle of life.

The topographic diversity of India makes most regions great for glamping. Based on your preferences, you can escape the mundane activities of life and take a quick trip to a coast side, hill, or desert and enjoy a rustic break.

Irrespective of the location, safety is a factor that must always be considered while planning for a trip. Investing in safety means investing in happiness. The best way to do so is by ensuring that you and your fellow travellers have general insurance plans that cover any potential accidents.

Click HERE to buy the best general insurance plans to make your glamping trip safe and more enjoyable.

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.

River cruises are one of the best ways to explore the country's backwaters and serene pockets with a mesmerising experience. Although it makes for an offbeat vacation, you will carry a bag full of memories on your way home. If you are into nature photography, this vacation will be a haven for you.

From the lush green surroundings of Kerala to the unexplored islands of Andaman, there's a lot to explore and discover as you go on your river cruise.

*Pro-tip
It is advisable to stay safe and secure in your journey, as you'll always be amidst waters. Buy an insurance policy online before you embark on your journey.

Let us walk you through all the possible travel destinations available via river and sea cruises in India.

1. Sunderbans:
Located in West Bengal, Sundarbans form the largest mangrove forest in the world. It is not only large in terms of area but also very captivating as the river cruise takes you through the pleasant delta of the river Brahmaputra. You'll be bestowed with the most picturesque landscapes when you undertake this journey. You're likely to spot numerous flora and fauna as you explore the waters of Brahmaputra. You're likely to spot monkeys, crocodiles, leopards, wild hogs, kingfishers, and Bengal tigers, among others.

2. Kerala:
The river cruises serve as one of the most exciting ways to explore the heart of Kerala. Being a state that is blessed with lush green surroundings and pristine backwaters, Kerala is a haven for nature lovers. While on a backwater cruise, you will feel closer to nature. You will also get a chance to look closely at the state's influential culture. The cruise guarantees you the journey of a lifetime. You can enjoy the fantastic surroundings of Kerala in comfort, luxury, and space. You will also be able to try authentic South Indian food on the cruise.

3. Goa:
There are many ways to enjoy Goa's fun and frolic life, but you must've never thought about spending time on a river cruise. Goa is bestowed with the beautiful Mandovi River, which can be an ideal place for a river cruise. The atmosphere on the cruise is always upbeat and lively. While you immerse yourself in Goan delicacies, you'll be presented with the scenic landscapes of Goa. It is a joy in itself.

4. Andaman and Nicobar Islands:
Andaman and Nicobar Islands is one of India's most stunning places to visit, allowing tourists to explore the unknown. The sea cruises of the islands are grand, elegant, and classy in every possible way. You will be bestowed with naturally green, serene, and exciting surroundings. Apart from that, the cruise is also well-adapted to fulfil all your needs. The amenities present on the cruise are world-class and adapted to the varied tastes of travellers.

5. Assam:
North-east India is a hidden gem of the country blessed with breathtaking views. The Brahmaputra River runs far and wide in this area, allowing tourists to explore it on a river cruise. A river cruise will open doors to several scenic locations like Kaziranga National Park, Majuli, and Guwahati. It is one of the best ways to bask in the glory of Assam.

Vacation cruises are one of the most delightful ways to explore India. It will allow you to look at the surroundings closely and collect lifetime memories. However, it is suggested that you always ensure your safety before setting out on a journey. Buy insurance policy online while booking your tickets, and be rest assured of your belongings and travel safety.

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.

Do you often hear your employees nagging about how team-building activities are childish? Then, it's high time to drop the regular events and gear up for jaw-dropping adventures.

The whole point behind organising these events is to make the team creative and shed light on aspects like leadership, etc. This is the best way to energise the team and find great leaders. The more stress-free the environment is, the more productive the employee will be.

Often, excruciating projects affect the creative perspective of the team. Engaging in sports will cultivate mindfulness and creativity. Stay tuned till the end, and strike down boring ping-pong tables, regular parties, hackathons, etc., because we've got something interesting!

Still not convinced? Take a look at this blog; we will cover some of the mind wrecking adventures.

1. River rafting adventure:
For an exhilarating day, river rafting is highly advised. Water games always tend to be an ideal release of stress. The interpersonal relationships make the river rafting adventure fun and leave memories that last forever. This helps to build trust among the group where all team members in the raft paddle in coordination and motivate each other to put in their best efforts.

2. Paintball army:
Adventure sports are the thrills most people want to taste once in their lifetime. And this is the one that brings out the adventure seeker and the curious kid in everyone. All you need to do is make separate army troops and establish a real-life war zone.
And before you know it, you can build a strategic thinking and warrior mindset. The very fabric of teamwork is what makes the team win over here. Get ready to take charge of the paintballs, hunt down your targets, and spend a thrilling day enjoying yourself.

3. Get the adrenaline pump:
Would you drop down the chance if allowed to go on a group cycling in difficult terrain? Sounds exciting, isn't it? Rock climbing, paragliding, trekking, and many others are hands down amazing mental and physical puzzles. This develops the risk-taking mindset and gives employees a much-needed break from their work routine. Pick spots that offer these adventure sports and plan a day out to savour nature's unparalleled beauty along with the intensity of heart-throbbing adventures.

4. Turf tournaments:
Every person brings a different competitive edge to the table. As an employer, you need to set a perfect environment without fear of failure. Nothing other than a game of soccer or cricket can manage to build teamwork. Suppose you have 30 employees; you can create 5 to 6 teams and play an internal tournament on turf pitches. Everyone will strive to bring home victory by focusing on one common goal by keeping sportsmanship as their priority. In this process, they will realise their strengths and build a mindset of understanding each other. So, naturally, instead of performing well individually, they will accomplish tasks working together

5. Escape room:
Here's the last one on the list. While it may not be an outdoor game, it's hands down the best pick to escape real-world problems. Picture this: Getting tossed into a room with challenges sounds exciting. And remember, all of this while the clock ticks off. When this is done with the entire team, it enhances collaborative leadership and strategic thinking.

These adventures are not just a medium of entertainment but also a useful resource to energise the employees and encourage them to perform tasks in unity. Rewarding your employees with such exciting breaks once in a while makes them feel valued and allows them to indulge in less mundane and more enthusiastic activities.

But remember that any adventure is enjoyable only when safety is assured. Accidents come uninvited, but a comprehensive personal accident plan can make up for the damages done to an individual due to a mishap and compensate for it without the policyholder worrying about the finances. You may seek affordable health insurance plans to get comprehensive coverage against mishaps. This way, you can focus on enjoying the adventures with happiness and vigour.

Click HERE to buy 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.

The majority of air passengers are constantly searching for window seats while flying. While some travellers curl up in the corner and have a good snooze, others choose window seats to take in the clouds and the gorgeous views from the little window. Although the justifications vary from passenger to passenger, everyone still enjoys sitting by the window.

Additionally, one may lean the resting head against the sidewall of the aircraft to provide additional support for sleeping. Comfort is undoubtedly greater with a window seat.

Listed below are some tips for securing a window seat when flying.

1. Request at the check-in desk:
When you get your boarding card, check with the check-in counter staff to see if a window seat is available. The airline staff will accommodate you. Alternatively, check-in at a self-service kiosk and verify the flight's seat availability before printing your boarding card. Select a window seat if one is offered.

2. The cancelled tickets are very beneficial:
If you haven't chosen a seat yet, you may check it at the airport on the day of travel. You can find a seat because some passengers cancel their reservations at the last moment, which allows you to grab your ideal window seat.

3. In the absence of a window seat:
Don't be dismayed if all of the window seats are already taken. Most airlines allow customers to keep managing their reservations. If a window seat becomes available at a later time, you have the chance to switch to the window seat.

4. Consult the boarding gate agents:
You must exercise extreme patience to complete the following hack. Arrive at the airport early and contact the gate agent. Inform them that you would prefer a window seat and ask if they could assist you. The crew and gate officials often ignore that passengers have failed to board the plane until it is too late. If any window seats become available, these people can assist you in obtaining them.

5. When you book, pick your seat:
Most airline websites and booking tools allow you to select a seat when you make your reservation. The majority of the time, this procedure is cost-free. However, certain airlines charge more for reserved seats. When the time for your journey draws near, and you still can't find a seat you want, recheck your reservation to see if anything has changed since then. If you're unsatisfied with your online choices, give them another shot at the airport, either at check-in or at the gate.

6. Once boarding is done:
Wait until the plane doors are shut if you still can't get your preferred seat. You can move to a vacant window seat. Nevertheless, before settling into an empty seat, ask a flight attendant.

7. Ask a passenger for assistance:
Asking another passenger to switch seats with you is not harmful. They probably will be okay with it if they plan to nap during the flight. Manifest a strong desire to sit in a window seat. The other individual will accommodate you if they believe this is your first flight.

Before you pay for your ticket, if it was purchased through a travel agency or over the phone, ask for a window seat. Or, obtain your favourite seat by completing the online checkin process. Also, one must have general insurance coverage while travelling, and getting one may be done quickly and easily online by following a few simple steps. Buy insurance policy online and secure your travel and ensure yourself a happy journey.

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.

The strict implication of rules and regulations in a densely populated nation like India is required to maintain law, order, and discipline. Several rules have been laid down over time and are also ever-changing, with constant reforms.

But, due to the lack of awareness of the existing traffic rules, most people suffer losses in terms of fines on the road. When you end up paying fines on the road, you're causing a financial and ethical loss to yourself. It can be easily avoided if you have a better knowledge of the country's traffic rules.

If you lag in keeping up with traffic rules and regulations, then you'll benefit from this article. Regardless, we suggest you stay up-to-date with your insurance so that your vehicle does not undergo any damage. Book your calendar in advance for your car insurance renewal so that you don't have to face the discontinuity of your policy.

Further, we will highlight some of the country's lesser-known traffic rules. They will help you save up on fines and stay informed while driving on Indian roads.

List of some lesser-known traffic violations in the country:
1. You violate traffic rules if you have tinted glasses on your car, truck, or van. You are entitled to a fine of INR 100 or more, and your licence can also be suspended. Various State Governments first ordered the removal of tinted glasses. The rule is extremely strict, and it does not spare anyone.
2. All the big cities like Delhi, Mumbai, and Bangalore have a rule of mandatory silencers in all vehicles. If your vehicle does not have a silencer, you are likely to pay a fine of about INR 10,000. This has been done to keep the noise pollution levels in check.
3. If you use high-beam headlights at night, you are likely to pay a fine of INR 500. It is done keeping in account the increasing number of road accidents due to the use of high-beam headlights at night. It is considered extremely dangerous. On the contrary, if you are found driving without headlights at night, you also have to pay the penalty for it. Ironical yet true!
4. Smoking inside the car is prohibited in India. If you're found guilty of this, you'll have to pay a fine of up to INR 500 for the same. The act of smoking is harmful to the driver as well as the co-passengers.
5. In most metro cities like Kolkata and Chennai, it is necessary to have a first aid kit in your vehicle at all times. Failure to produce one upon inspection can result in a fine. It was done to ensure the safety of the driver and the vehicle's passengers. It is also mandatory to follow this in the case of new vehicles.
6. The use of pressure horns is liable to be fined in India. If you have installed a pressure horn in your vehicle, you might have to pay a fine of about INR 1,000 or more if stopped by the police.

All drivers in India must remember these lesser-known traffic rules when they hit the road. It will save a lot of time, effort, and money. Further, it will ensure your safety and prevent you from getting in trouble. It is crucial to abide by the traffic rules and encourage others to do so. Keep all your documents up-to-date and handy, especially the PUC and car insurance. You should never miss out on your car insurance renewal. Take charge of your role as a responsible driver.

Click HERE to get car insurance renewal done instantly.

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.

Nothing beats the peaceful enjoyment of a long solo drive. With the weather being nice and pleasing, it is the perfect time to plan a solo car trip to detox from the busy lifestyle and the city hustle.

But with the fun aspects of solo trips, it is also true that solo travelling is somewhat unsafe since you are going long distances all by yourself. It is crucial to acknowledge the perks of car insurance India can be beneficial during emergencies.

So, to make your travelling experience more enjoyable, here we have eleven safety tips for long-distance driving.

1. Remember to take frequent breaks:
A long drive can be entertaining but also exhausting. So, remember to take breaks from driving, get out of the car, stretch out your muscles, have quick snacks, and hydrate yourself.

2. Be careful with your luggage and cash:
When you're on a solo trip, you are basically on your own with the security of your belongings and valuables. Make sure you lock your car when you move out for a refreshing walk.

3. Interact with the local people:
Local people are the best way to know more about the place you are travelling to. Be kind and interact with the locals so they can help you have a safe journey while making your trip more memorable.

4. Have good knowledge of the policy of car insurance India:
Danger never comes with warnings. So always ensure that you cover your car under a legal insurance policy.

5. Be safe with your routes, but don't be afraid to explore:
When you're on a solo trip by car, you always have to be extra careful with the route you're taking for your adventure. While it is necessary to remain safe, don't be afraid to explore the local attractions of the places you travel and enjoy their authenticity.

6. Prepare yourself for anything unfortunate:
While travelling solo, you should always be prepared for the worst. Always carry pepper spray and/or a safety knife with you. Cases of solo travellers being attacked are common, especially in isolated places. Try staying in places where the network is working, so you can always contact the emergency services if you need to.

7. Educate yourself with the basic knowledge of the regional language:
If your destination has a predominant language, it is best to learn some basic phrases in their language so the local people can help you out in case you need them. Simple phrases like greetings, help requests, etc., should be in your vocabulary for a safe travelling experience.

8. Don't blindly trust strangers:
The age-old advice of not trusting strangers is a legitimate one. You can never predict people's true intentions, so while it is good to be nice in general, don't trust everyone you meet on your trip.

9. Don't eat or drink from unverified sources:
Being on a solo trip to foreign destinations will require you to be properly informed and careful with everything the place offers. So, for the sake of your safety, do not eat or drink from places that seem suspicious or unhygienic.

10. Follow a modest dress code:
While it may not be an issue in some places, it is always important to dress modestly if you plan to go on a solo trip somewhere unknown.

11. Have your entertainment sources with you:
While solo car travelling adventures are always fun, things can quickly get boring. So have a playlist of your favourite music to groove and enjoy your trip even more. Books and magazines are also a great way to entertain yourself during breaks.

We hope your solo travelling adventure is refreshing, entertaining, and safe. Prepare a quick checklist and note down all the crucial tasks to make your trip convenient. Start with taking your car for servicing. Pack light, do not stuff your bag with unnecessary things, and most importantly, carry a first-aid kit. Have all the required documents like driving licence, PUC, car insurance India, etc., handy with you. Keep these tips in mind for a better experience, and lastly, have a safe journey!

Click HERE to buy car insurance India.

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

If you are somebody who has a car, you already know how helpful and convenient it can be. It will help you get anywhere within a short time effectively. Not just that, you should know how to park your car correctly to keep it safe and protected.

However, many people worldwide find it intimidating to park a car correctly. If you are somebody who does not know how to park and always finds it challenging to have proper judgement, look closely here at a few tips to help you park your vehicle perfectly.

1. Find an appropriate space:
The first thing you need to do when parking your car is to look for the best space in the parking lot or area. You should keep in mind that the place you are choosing must be big enough to fit your car so pay attention to that. You may also notice the movement area to ensure you can get in and out of the space without difficulty. This will help you keep your vehicle safe.

2. Check your surroundings:
The second thing you need to do when parking your car is look at the mirrors on both sides to check your surroundings appropriately. Carefully figure out if there is any person or car behind or around your vehicle, regardless of whether you are reversing or parking. Checking allows you to ensure nobody is getting hurt in any way. As a result, it is one of the most vital tips that will help you park without further challenges.

3. Position the vehicle appropriately:
The third thing you may do to park your car efficiently is to position your vehicle accordingly. An ideal angle will make it convenient for you to put your car in the spot in a short period. Not just that, it will ensure your car is safe from scratches and dents.

4. Keep enough space on the side:
The last thing you can do to park your car safely is to keep enough space on both sides. This factor will help you open and close your door without hitting any object or person. It will also make it convenient for you to get in and out of your vehicle without the hassle. It also reduces the chances of accidents by a wide margin.

Although parking may sometimes be challenging, you can do it effortlessly with the help of these tips. You should read them thoroughly to acquire the best guidance into the matter. You may also speak to a driving school if you want to obtain more information or practice before using them on your car.

Parking your car appropriately is crucial, and a skill, especially in crowded places where finding the right spot and making your way to park the car may seem like a mission. Perfect car parking can keep your car protected from accidents, thefts, and getting towed while you are away doing your work or shopping. On a safer side, you may prefer parking your car in the dedicated or private parking lots in the malls or public areas with a pay-and-park system. You should also buy online car insurance for additional protection from untimely and severe mishaps that can cost you a fortune.

Click HERE to buy online car insurance.

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

India is a country with diverse topography, culture, and people. Since the urbanisation boom, most of our population has shifted from villages to cities in search of opportunities and better lives.

Recent trends indicate a welcome change as the increasing number of people are opting for village tours to experience rural life in stark contrast to the everyday bustle of the cities. These village tours help support the rural economy and boost tourism.

The unparalleled experiences in remote villages are an experience like no other. These tours provide a glance at everyday village life, including the local cultures, food, and lifestyle. These experiences can significantly change the way we perceive life.

What to expect from village tours?
Village tours are a great way to get an idea of what village life looks like for a short period. It is an immersive experience where you can interact with villagers and be amongst the common folk. You can feel the sense of community engagement while enjoying the pristine rural background.
Some tours also provide a luxurious experience through well-built camps equipped with all the requisite amenities. However, as you are stepping into a lifestyle unknown to you, it is best to be prudent and insure yourself and your fellow travellers. If you do not yet have a travel insurance policy, you can consider purchasing online general insurance that covers accidental mishaps.

Following are some of the best villages tours in India;

1. Kutch:
The white desert in Gujarat is home to several villages where they continue to preserve and exhibit their traditions, culture, and handicrafts. While the desert has plenty to explore, the villages provide an opportunity to live in clusters of mud huts and engage in the daily activities of the Kutchi people.

2. Punjab:
Punjab is an ideal place to experience village life. With a majority of people engaged in agriculture and allied activities, the hospitable villagers of Punjab are great hosts for facilitating this experience. One can experience tractor rides, farming activities based on the season, and learn more about their culture. All of this can be done in vast fields with clear skies in the backdrop- how much better can it get?

3. Wayanad:
The district at an altitude is home to some of the oldest tribal villages. The North Kerala cuisine, coffee plantations, bamboo handicrafts, and workshops are highlights of visiting the villages of Wayanad. Depending on the season, you can try your hand at working in the vast plantain orchards and coconut plantations.

4. Spiti Valley:
Spiti Valley is a cold desert in Himachal Pradesh with small villages spread over the region. Although the villages are sparsely populated and very remote, they provide a unique experience. The unfamiliar surroundings in the mountains may seem cold, but the warmth of the people makes up for it.
The locals are excellent guides to take you sightseeing and can help make the most of your trip while bonding with your hosts.

5. Sunderbans:
Known for being the land native to the Royal Bengal Tiger and swampy marshlands, several villages are located in the Sunderbans. Walks in the villages, exploring the mangroves, and basking in the humid climate are what your days would look like on a village tour to Sunderbans.

Irrespective of the village you choose to explore, you will be greeted by enthusiastic and hospitable hosts who will do their utmost to make your stay enjoyable and comfortable. Your hosts will ensure to engage you in a trip that will leave you feeling like you're amongst them without missing out on any luxuries or facing any inconveniences.

Our only tip to you before you book your trip would be to look into the terrain and climate and pack accordingly. Be aware of the risks associated with the area you're visiting and ensure that your insurance covers the same. If not, you can always buy online general insurance that can keep you protected at all times.

Click HERE to buy online general insurance plan.

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 attempted to start a cold engine? It will be challenging to start carbureted engines like those found in motorcycles. Choking will play a crucial part in this. A motorcycle choke can act as an excellent tool and a saviour in a situation where you struggle to start your bike by the conventional method.

Let’s understand how choke functions and how you can use it optimally.

What is a motorcycle choke?

The choke is a crucial component of bikes with carburetors. The air-fuel mixture is composed and fed to the engine mechanically or manually in motorcycles with carburetors through the choke.

A motorcycle choke is basically a pulling lever fastened to the carburetor. It can be mounted on the front panel, the handlebar, or both, but it remains connected to the carburetor via a cable. Wherever the lever is positioned, it instantly operates a carburetor valve and the entire choke assembly.

Role of a motorcycle choke.

Pulling the choke lever out to start a cold engine was once considered necessary, especially in the morning. You might not need it as regularly during summer, but in winter, it is occasionally required to lift the lever each time the engine starts. The choke lever increases the fuel ratio in the air-fuel combination immediately.

In a carburetor, the choke lever opens or closes a valve or gate to regulate the air or fuel that goes into the mixture. This aids the engine in gaining enough power to make the bike ready to use.

The choke's failure warning signs.

Several typical indications of a failing choke are listed below:

● Difficult start

● Excessive smoke produced after the engine has started

● The engine stalls after starting

Even though the choke is working, if the engine is difficult to start, there may be a problem. Either the choke is not closing all the way, or the fuel is being cut off. Check if the choke opens and closes effectively because excessive fuel utilisation is another effect of a broken choke.

Excessive fuel use will also result in smoke from the exhaust pipe. The engine's continued operation demonstrates the choke's effectiveness when engaged. The linkage could be incompatible if the choke is not working correctly.

How can choke longevity be guaranteed?

The constant usage of the choke can result in its wear and tear over time. The choke wire may also become ineffective if it is not used frequently.

To ensure longevity, keep the following in mind:
1. Access the area where the cable attaches to the choke plate.

2. Spray the cable and open the choke to get the lubrication into the joint. If done repeatedly, it increases the choke's lifespan.

3. Keep the air filter and carburetor clean to avoid pressure on the engine. You can use spray cleaners to help if you do not feel like removing the carburetor and cleaning it.

The choke requires low maintenance but might deteriorate more quickly if used frequently. Pay attention to how the engine starts and idles because it may indicate a choke issue. Make sure to empty the fuel from the motorcycle before putting it away for the winter to avoid clogging the fuel system.

When the engine is cold, it is more challenging to burn fuel. The choke enables the supply of an ideal air-fuel mixture that results in combustion and aids the bike's engine in drawing power. To avoid unexpected repair expenses to vent your pocket, invest in reliable insurance from the best motor insurance company in India.

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.

Motor insurance is a mandatory purchase that helps you safeguard your vehicle and alleviates monetary stress in case severe damages are caused to your car during accidents, collisions, and other unfortunate situations. And if you are aware of motor insurance, you must know about the premium charges, insurance coverage, add-on benefits, claims, etc.

These factors influence your decision to make a final choice of motor insurance amongst the different policies from various insurance providers. And purchasing motor insurance is not just a one-time deal. It requires renewal from time to time to avoid losing on the benefits. You can opt for online motor insurance renewal for a hassle-free buying process.

Are there some important tips one must know about while renewing their motor insurance? This blog will answer all your queries.

1. Browse through other policies:
With the ease of accessibility of the internet, consumers are at an advantage. They can find detailed information about the services provided by various insurance providers, which makes it easier for them to compare and analyse which policies would optimally suit their needs.
The availability of a calculator helps customers to calculate the premium charges of various policies of the same category. It also allows you to compare the benefits of different policies and enables you to decide which insurance provider gives you the best benefits at the best rates.

2. Go through those add-ons:
Additional benefits are definite game changers in attracting customers. Always check the add-on benefits of the policies before you finalise a policy. Zero depreciation cover, engine protector coverage, etc., are some of the add-ons that are definite indicators of an efficient and affordable policy.
These are necessary, especially for luxury cars, which depreciate as the years pass by a massive margin compared to vehicles in other ranges. You can upgrade your current insurance plan by including these add-ons and secure your asset with complete protection.

3. What is your car currently worth:
Knowing your car's current value is essential for you to get compensated by your insurance provider in case your car gets stolen. Being aware of your IDV or Insurance Declared Value helps you achieve the current market value of your vehicle through your motor insurance policy.

4. What happens if you make no claims:
If the policyholder does not claim for an entire insurance period, the insurance providers/insurers provide a No Claim Bonus to them as a reward. This No Claim Bonus is awarded as either a discount of twenty percent after the fulfilment of one policy year or as a fifty percent discount on the completion of five claim-free policy years. Using the No Claim Bonus at the time of your motor insurance renewal can help reduce the price of your premium charges by up to fifty percent as the years' pass.

5. Read all the conditions carefully before upgrading your policy:
We have all heard the "terms and conditions apply" and the warning related to "read all policy-related documents carefully before accepting any upgrade offered by the insurance company. You must go through all the clauses and conditions before renewing your motor insurance policy to be aware of the benefits, the conditions, and the type of plan you choose.
This will help you analyse if you wish to switch your current insurance policy to a new one based on your needs using the "portability clause." You must ensure that all your benefits are intact even after porting your insurance policies to avoid any hassle in the future.

These are some tips for upgrading your motor insurance during renewal. And while we have already discussed the benefits of motor insurance, you can now purchase one at your convenience without suffering through the exhaustion of consulting various insurance providers or their agents. Just opt for the online motor insurance renewal, explore and renew your policy from the comfort of your home.

Click HERE to learn 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.