GENERAL INSURANCE BLOG

Have you ever felt unproductive while having tight deadlines and no creativity or motivation to complete your tasks? You may be facing burnout and are among 40% of the Indian workforce. While it may seem challenging to get out of such a phase, the best way to overcome the symptoms of burnout is to step away from work and hit refresh! What better way to do so than going on a short vacation?

Considering the intense work pressure and hectic schedules, taking a leave may not always be possible. So why not make the best use of your weekends to drive away from monotony? Short road trips are the perfect way to meet your requirements without overspending. Considering the traffic-packed roads across the country, taking your bike on the journey may be ideal.

If you’re convinced, pack light, gather your friends, get your bike serviced, ensure all the papers are in order, and purchase two wheeler insurance online India. Pick a destination from our specially curated list to experience the joy of a quick getaway over the weekend!

1. Cherrapunji, Meghalaya:
Known as a quaint town, the wettest place on Earth is home to unique living root bridges that you must check out. With well-built expressways through scenic greenery, motorcyclists are in for a joy ride on this journey. We recommend starting from Guwahati or Shillong to experience the best of the town’s old-world charm.

2. Goa:
Planning a vacation without mentioning Goa, irrespective of duration, is impossible. With excellent connectivity to neighbouring states, the party capital is the best place to head to if you need tranquillity or happening parties. The ride through the picture-perfect Konkan belt will stay in your memories forever!

3. Ooty:
The rolling hills of Ooty and its lush greenery make for a serene getaway. Enjoy the view of far-reaching sprawling tea and coffee plantations as you drive through valleys on meandering roads.

4. Jaisalmer:
If rough terrains excite the motorcyclist in you, Rajasthan’s cities are the perfect destinations to plan your next road trip. A panoramic view of the beautiful blend of culture, heritage, and vibrancy will follow you as you make your way to the Golden City. Considering the arid surroundings, planning your trip between November and March is suggested. We urge you to purchase two wheeler insurance online India to cover any mishaps you may encounter during your journey.

5. Araku Valley:
At a little over a hundred kilometres away from the City of Vishakhapatnam is Araku Valley, a hill station with rustic heritage, tribal influence, and coffee plantations. While the journey may be short, the valley offers the best nature, biodiversity, and climate, making for a refreshing retreat.

6. Munnar:
If you fancy long-distance road trips, plan your next trip to Munnar, a hill station in Kerala. Its green hills, waterfalls, and tea plantations make for the perfect view on your journey, which may take up to 04 hours if you start from Kochi.

The other popular destinations include Lonavala, Karjat, Alibag, Nasik, Daman, etc. which promise a happening weekend setting for you to unwind and return with positivity and energy.

This list is not exhaustive and only includes some destinations you can consider setting off. While each destination has a unique appeal, we urge you to purchase two wheeler insurance online India before you depart on your two-day vacation! Safety should always be on top while planning bike trips. Wear proper gear and a helmet to safeguard yourself from any mishap.

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.

Riding a motorbike with smooth-shifting gears gives you a sense of pleasure that no other thing can. The feeling of downshifting into a curve, soaring your RPMs, then switching back into high and rushing down the straightaway is unmatched.

But when the quality of your clutch starts deteriorating, it no longer grips as usual or allows you to smooth down and upshift. If you take too much time to assess a bad clutch, it might leave you stranded during a ride. While the rest of the crew enjoy the journey, you will have to spend extra time repairing or replacing it.

However, knowing the signs of a damaged clutch will help you repair the appropriate pieces before you're left stranded.

In today's post, we'll discuss ways to assess if your clutch is on its way to being damaged. Read along to know how you can avoid costly repairs before it's too late.

1. Slipping of clutch:
The clutch slipping indicates that it has already begun to wear down. You may sense a lag or a slight jerk when your bike starts picking up. The RPM starts to increase faster than it should. If any of these occur, your bike's clutch is worn out, and it's time to get it repaired.

2. Sticking of clutch:
Your bike's clutch will start to stick if there is a malfunction or oil-induced dirt in the springs. It can either stick in or out depending on when the event occurs. The clutch parts will cling together as you change gears resulting in a low-power transmission. A sticky clutch might be mistaken for a general bike problem, so be extra cautious and get it diagnosed.

3. Hard to shift gears:
If your clutch wire is loose or the clutch gap is compressed, the bike will not accelerate because you won't be able to shift gears. When parking your bike, it's best to keep it in neutral, although some people leave it in first gear. So if you ever experience a slack in shifting gears, visit the mechanic.

Tip: To minimise clutch dislocation and overheating, always start your bike in neutral. Overheating the metal components causes them to expand, lowering the spacing distance. However, the clutch relies on friction to transfer power, so oil the parts regularly to avoid overheating.

4. Sharp metallic noise:
If you've recently noticed a strange sound emanating from your bike and it becomes louder as the days pass, it might be your clutch asking for attention.

5. Burning smell:
A burning odour may signal a clutch problem, which you should not neglect. If a mechanical noise accompanies the smell, you should have the clutch pad checked out as soon as possible to avoid any more damage.

These are some ways you can detect a problem with your clutch system. Make sure you always park your bike on neutral. Oil the clutch system periodically, but don't put too much oil. Never use the clutch as the braking alternative unless it's very needful, like in case of brake failures.

While you ensure your clutch pad, insure your bike as well, it will help you in case of mechanic visits for your clutch repairs and avoid additional expenses. Purchase bike insurance online and add value to your two-wheeler with the benefits of comprehensive coverage.

Click HERE to get the best bike insurance online right now.

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

Manufacturing date, location, vehicle model, claims history with add-ons, and optional deductibles are a few variables that could impact your bike insurance. However, some other aspects could also influence the cost of insurance.

An essential factor in calculating the insurance premium is the two-wheeler's cubic capacity (cc), also known as its engine capacity. Continue reading to learn how your bike's cubic capacity affects its insurance cost.

What is the cubic capacity of a bike?

The capacity of your bike's engine is measured by its cc i.e., cubic capacity. A bike's engine size is essential since it affects how much power it can produce. A two-wheeler is thought to be stronger if its chamber is larger. Similar to how a four-wheeler vehicle's engine capacity is expressed in litres, a bike's capacity is understood similarly.

Bikes with higher cubic capacity come equipped with large cylinders that can produce extensive power output from the engine. This results in low fuel efficiency as more consumption is observed to drive more engine power output per stroke.

Bikes with higher cubic capacities are expensive. This is because intense mechanical fitness and build are required for the bike to withstand tremendous torque and power. Higher cc bikes have premium quality brake pads, comfortable suspension, and excellent exhaust that can easily overcome the wear and tear that might result from high-speed riding.

What effect does your bike's cubic capacity have on policy premiums?

Your bike's engine power is critical in the premium fixing process. The engine's cubic capacity affects the cost of your motorcycle insurance. A 75 cc bike would be less expensive to insure than a 220 cc bike. Take proper care of your bike's engine to guarantee that it operates smoothly.

Higher cc bikes would cost more to insure because your insurance rate directly correlates to your engine's cubic capacity (cc). When determining the third-party insurance rate, the IRDAI primarily considers the cc of your bike.

A bike's cc majorly determines the on-road cost of the bike. Low-cc bikes are less expensive than high-cc ones. The insurance premium for expensive bikes is more, considering their superior build quality and use of costly parts.

Other elements that affect the insurance premium for bikes with the higher cubic capacity.

Here are the various factors that influence the premium of the higher cubic capacity bikes:

● Geographic location: Compared to Tier II cities or rural areas, the premium is more significant if you stay in a metropolitan metropolis. Compared to non-metro regions, urban areas have a higher risk factor.

● Year of production: The age of the vehicle directly affects the insured amount. The insurance sum will decrease as time goes on since the bike loses value.

● Make and model of the bike: Premiums for high-end/premium bikes are higher; premiums for entry-level bikes are lower.

● Add-ons: In return for a more premium for bikes with higher cubic capacity, add-ons safeguard you against situations that aren't covered by the basic program.

● Installation of security measures: Lowering the danger of theft and the likelihood of damage by installing anti-theft devices or other security measures reduces the insurance price. By installing security devices, you can get a reduction in insurance premiums for bikes with higher cubic capacity.

Every bike driven on the road must be covered by third-party insurance. Therefore, in addition to looking at the bike's qualities before buying one, you should also consider getting bike insurance. Shop around to buy motor insurance online that best suits your needs and expectations. You can reduce the cost of two-wheeler insurance while maintaining adequate coverage if you heed the above suggestions.

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.

The ever-increasing number of vehicles on Indian roads is constantly posing a risk to the safety of drivers, riders, and pedestrians. While purchasing the best two wheeler insurance in India is a mandatory requirement, several advanced technologies have also evolved to make motorcycle rides safer. These technologies are helping to reduce the number of accidents and enhancing road safety.

Let us have a look at them in detail.

1. Anti-lock braking system:
An anti-lock braking system or ABS is a technology that prevents a motorcycle’s wheels from locking when sudden brakes are applied. Hurried braking is usually used when an object or a vehicle appears suddenly in front of the bike. This may cause our motorcycle to skid and cause serious bodily injuries and even damage to the bike.
ABS makes use of speed sensors that are fitted on both wheels. It senses that a wheel lockup is about to occur and instantly reduces brake pressure. This prevents the motorcycle from skidding, preventing an accident.

2. Wearable airbags:
We have always known that cars come equipped with airbags that open up instantly at the time of a car crash. They minimise the impact of accidents and help to save lives. Most of us do not know that wearable airbags for bikes are now being made with the help of modern technology that performs a similar function as cars’ airbags at the time of a crash. Wearable airbags are put into a vest and can be worn with a compatible jacket. The airbag inflates during a collision and then deflates automatically. It cushions the rider and the pillion rider, minimising the crash's impact. These airbags can be a lifesaver and protect the upper half of the body. Also, these airbags are universal in nature and can be used with any motorcycle make and model.

3. Motorcycle alert systems:
Modern technology has enabled the incorporation of radar sensors that can scan our surroundings and identify potential dangers, even in motorcycles. These sensors can help us map the vehicles around us and alert us of any possible collision. They can also warn us of approaching vehicles or if a vehicle gets too close to us.
Motorcycles nowadays also come with sensors that alert us if our kickstand or side stand is open by flashing a light on the display panel. This helps avert a possible crash due to the open kickstand while riding.

4. Advanced lighting:
Motorcycles now have advanced LED lighting systems that produce optimal beams for enhanced street visibility. This minimises the chances of an accident due to poor visibility on the streets at night or during heavy fog conditions. Also, motorcycles have hi-technology illumination systems that enhance their visibility in poor light conditions.

5. Modern helmets:
Helmets are being made with advanced technology, making them lighter and sturdier. Modern-day helmets make our rides safer and protect our heads better than older models of helmets at the time of a crash.
Helmets nowadays also come equipped with hi-tech Bluetooth headsets and good-quality cameras. They help bikers stay connected during a ride, especially in difficult and risky terrains. The cameras are capable of capturing minute details during a ride. Riders can go through the recordings after finishing their ride and make a note of the possible improvements.

Modern technology is a blessing in reducing the number of road accidents. These innovations might cost us money, but they are worth every penny spent on them as they reward us with a safe journey. Two wheeler insurance also makes our motorcycle rides safer by protecting us financially in case of a crash. Choose the best two wheeler insurance in India to ensure complete motorcycle coverage and hassle-free claim settlement in times of need.

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.

As two-wheelers turn old, their performance and the quality of their internal parts start to deteriorate. Significantly, the engine gets severely affected, which leads to more fuel consumption and harmful emissions. Such two-wheelers are then considered not fit to ride.

If you own an old two-wheeler and wish to ride it on Indian roads legally, then you need to have a fitness certificate for it. The Government of India has made the renewal of fitness certificates convenient by introducing the 'Parivahan Sewa portal' that operates entirely online.

Applying online is a hassle-free process as you only need to fill out a form and submit all the required documents to your local Regional Transport Office (RTO) for verification.

In today's post, we will take you through the step-by-step process of renewing your two-wheeler's fitness certificate online:

1. Go to the official VAHAN website. Begin the renewal process by going to 'Online Services' and selecting 'Vehicle Related Services.'

2. After that, choose your state. Next, click on 'Application for Fitness Certificate' and enter your bike's registration number and chassis number.

3. Following that, generate an OTP using your registered phone number. Enter the one-time password (OTP) that you received on your phone to proceed with the process.

4. Go to the 'Payment' option and complete the transaction to start the renewal fee transfer.

5. After completing these procedures, take the appropriate documentation to your local RTO to complete the two-wheeler fitness renewal process. Officials at the RTO will perform a fitness test on your bike and verify your documents to complete the process.

Steps to renew fitness certificate of two-wheeler offline.

Here is how you can acquire a fitness certificate for your bike offline:

1. Visit the local RTO

2. Fill out an application for a fitness certificate renewal

3. After that, attach the required documents to the application

4. To finish the procedure, pay the RTO the renewal fee for your bike fitness certificate

The officers will review your submitted documents and schedule an appointment for your bike's inspection. You must arrive at the designated centre on time. Here, your two-wheeler will be thoroughly investigated, and if it qualifies the desired parameters, you will be issued the fitness certificate for your bike.

Note: Although the renewal process is the same for both two and four-wheelers, the fee differs for both types of vehicles.

Complete list of documents you will require:

• Tax token

• Registration certificate

• Vehicle permit

• Pollution Under Control Certificate or PUCC

• Valid two-wheeler insurance policy papers

• Passport size photo

According to the Motor Vehicles Act of 1989, a vehicle's registration is only acceptable if a valid Vehicle Fitness Certificate accompanies it. Commercial and private automobiles are required by law to have a fitness certificate. Failing to submit a fitness certificate carries a punishment of Rs. 100. For consecutive violations, the fine is increased to Rs. 300. If you don't have a valid fitness certificate, you'll be fined between Rs. 2,000 to 5,000.

The law also mandates two wheeler insurance India. Failing to have both these documents can lead to hefty fines. Save yourself from the trouble and get the fitness certificate and insurance today. You can only enjoy riding your two-wheeler if you keep the required documents up-to-date and avoid landing yourself in any unwanted trouble.

Click HERE to buy the best two wheeler 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.

While electric vehicles are capturing the vehicle market, petrol and diesel-based cars still need to be put in trend. Maximum Indian citizens today own fuel-based vehicles, be it two-wheeler or a four-wheeler. But these fuel-based cars also have a history of superseding one another. Petrol cars have always been the favoured alternative amongst fuel-based vehicles.

Initially, diesel usage focused on heavy vehicles operated for commercial purposes like duty trucks, etc. But with the advancement of technology today, diesel vehicles have become widely popular and opted for daily use vehicles like passenger cars.

But do you know that your motor insurance premium changes for the type of car you use? Fuel may be the reason. Want to know how? Without any further delay, let’s get started.

1. How much is your car’s price:
Diesel-powered and petrol-powered cars are priced differently in the Indian market. Usually, the price of vehicles that have diesel-powered engines is high when compared to their petrol-powered counterparts. A higher price directly reflects on the motor insurance and premium prices.
Therefore, the more expensive a car you have, the higher the motor insurance premium you have to pay. So, figure out the maintenance and premium charges you will have to pay in the future and create a budget in advance so that you do not get surprises of additional premiums like motor insurance.

2. Repair influences the premium charges:
Yes! Even the cost of repair influences the motor insurance premium prices. The repair charges for diesel-based vehicles are much higher than those for petrol-based cars. Therefore, the company charges high premiums for your motor insurance to help cover the claims if you make any in the future. Similarly, if your car has expensive spare parts or is priced in the high-end range, the companies will charge you high motor insurance premiums.
This proves that fuel has a massive impact on premium charges. Having this information before you make any purchase will help you put things into perspective, especially budget-wise. Many factors should be considered when someone decides to purchase a car, one of which is the motor insurance, its premium charges, claims, add-ons, and other features which vary from one insurance provider to another.

3. Is your car fuel efficient:
Fuel efficiency is another influencing factor that determines higher motor insurance premiums. While petrol-powered cars have great starting and ignition power, diesel-based cars are beneficial for vehicles purchased to last longer.

4. Let’s have a look at the engine:
The engine capacity of your petrol-powered car is lesser than that of diesel-based cars, thus raising the motor insurance premium prices for diesel-powered vehicles. The better the engine capacity, the higher the premium. Who knew that fuel could be such a powerful influencing factor in the premium prices of motor insurance?

5. Cannot miss IDV (Insurance Declared Value):
If the market value estimation is high, the IDV will be increased, directly impacting the premium. Usually, the IDV of diesel-based cars is high, which leads to a rise in premium prices.

We hope this blog gives you a crisp and clear idea about your motor insurance premium charges. This will help you arrive at a decision or educate you about motor insurance and what factors impact the premiums which will come out of your pocket. And there is no doubt about how crucial it is to purchase motor insurance to protect your car and yourself against the financial burden.

Click HERE to learn more about motor insurance.

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

When it comes to motorcycles, many accessories can enhance your riding experience. Whether a seasoned rider or a beginner, carrying certain accessories can significantly improve your comfort and safety. When you have the proper accessories, riding a motorbike is an exhilarating, even more, pleasurable experience.

This blog will discuss the one-stop guide for motorcycle accessories you must always carry. Without any further delay, let's get started. The following list of some essential motorbike accessories should be on your must-have accessories list.

1. Reduce the minor vibrations through hand grips:
Hand grips seem like a small addition, but they can significantly enhance your riding experience. Do you know how annoying vibrations on your handlebars are; maybe you've ever felt them. A nice set of hand grips can lessen vibrations and improve the smoothness of your riding.

2. Protect your motorcycle using disc brakes:
You worry about someone taking your motorcycle when you leave it parked in an isolated location. A disc brake lock can add a level of security for you. Although some might counter that disc brake locks can be broken, having an extra layer of protection helps prevent burglars. A disc brake lock that beeps if someone tries to tamper with it can also be a good option.

3. Use your phone conveniently with a phone holder with a charger:
A motorcycle phone holder is essential for riders who want to use GPS properly while riding. A sturdy phone holder with a charger helps you to navigate your route without taking your hands off the handlebars. You may use this holder to mount your phone and access GPS.

4. Safeguard your shoe for the convenient operation of your motorcycle by using a proper gear shift pad: The lack of proper rubber padding on gear change levers might cause long-term damage to your shoes. Your shoes will be protected and last longer if you use a rubber gear shift pad. Choose a shift sock that you may place on the gear lever if you do not want to wear the shoe pad.

5. Pack your things in a motorcycle tank bag:
Carrying small items while riding is inconvenient, but a tank bag can help. It would be best to consider using the Tank Bag to transport your goods. It features a clear map pocket where you can keep your phone. The material is sturdy and durable and comes at pocket-friendly prices, so you don't burn through your savings.

6. Purchase cleaner and chain lube for lubrication:
For the chain sprockets on your motorcycle to last a long time, your chain must be kept clean and lubricated. In India, most mechanics lubricate the chain using motor oil that has been burned, which might harm your chain. Buy a better chain lube set, including a handy cleaning brush that simplifies cleaning.

7. Riding comfort with an air suspension seat:
When you ride a long distance on bad roads, you may experience back pain and discomfort. You can avoid the unpleasantness of terrible roads by using an air-suspension seat. This seat can be utilised when your passenger is an older adult, a pregnant woman, or someone with back issues.

You can carry these few accessories to make your ride smooth and enjoyable. Now, let's talk about safety! You need to purchase motor insurance to protect your vehicle against heavy and unprecedented damage and save yourself against the monetary stress of getting your motorcycle repaired. Once you explore the options and get the best motor insurance to cater to your needs optimally, you must also remember to renew bike insurance online at equal intervals to keep availing of the benefits.

Click HERE to learn more about how you can renew 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.

As a bike owner, you know that your vehicle requires routine maintenance, tyre replacements and bike insurance renewal. But how often do you consider your vehicle's suspension? Your suspension system works hard to make your ride comfortable by smoothing out bumps in the road and keeping the wheels on the ground. Bike owners often overlook that part when it comes to repairs. But how can you know if there's a problem with your bike's suspension?

Here are some of the most common signs of suspension issues. Keep in mind that these are extreme instances, and your suspension system may be subtler. It all depends on the bike's handling.

1. Unreasonable bumpiness:
The primary function of suspension is to facilitate a smooth and comfortable ride, even on bumpy roads. If you start to feel every bump in the road, it's a clear sign that your shock absorbers are failing and should be replaced. Conducting a bounce test can help you check the efficiency of the absorbers. Do this by placing your entire weight on the back of your motorcycle. Release the vehicle and count how many times it bounces. If it bounces more than three times, there is an issue with your suspension.

2. Thud or rattle from suspension:
In most cases, your shock absorbers should be almost noiseless when in use. It's a concern if it starts making more noise than usual. The seal separating the damping oil from the pressurised nitrogen charge may be broken, resulting in a noise during compression and rebound. A knocking noise is even more concerning since it indicates that something inside the shock collides with something it shouldn't. If you continue to ride it, the damage will be consequential - and costly to repair.

3. Oil leak:
Oil coming from the air seals or adjusters is the first sign of an oil leak, but it usually leads to a lack of damping soon after. As the oil accumulates dirt, it may create a horrible black sludge accumulating around the end of the shock shaft. If you notice this, it's only a matter of time before your shock is damaged.

4. Lack of damping:
Even the most mechanically uncaring riders should be aware of this, but that isn't often the case. You might find it difficult to control your bike while riding. Check if the rebound and compression damping settings are still working correctly. If they don't seem to be making a difference, it's time to get it checked out.

These are some of the most prevalent suspension issues. Regularly check your suspension system, do some maintenance or replace parts if required. Neglecting your bike's suspension problems can adversely affect its performance and functioning. It can also impact the rider's physical wellbeing due to jerks that gradually result in back pain and other health issues.

Besides regular maintenance, bike insurance is both a legal requirement and a wise investment. It protects you from losses that may occur due to an accident or theft, and it can even cover the expenses involved in your bike's repair and servicing.

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

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

With the world going digital, smartphones have become an important part of our daily lives. Being stuck at home during the pandemic, smartphones became the only salvation from boredom. And children, too, are getting addicted to digital gadgets as we progress in time. Keeping your child away from smartphones is tricky with schools and colleges conducting online classes.

With new-age technologies emerging so quickly and taking over the world, children are very intrigued with how things function. And with all the information available online, it would be one-sided to keep your child away from smartphones and other gadgets and devoid them of all the opportunities.

This blog will discuss the right time to give your child a smartphone. Let’s look at the factors you should consider as a concerned parent or a guardian.

1. Responsibility:
Are your kids responsible enough to handle an expensive device with care? They might bring up a lot of reasons, but as responsible parents, you must ensure that you set up a boundary for the conscious use of these devices to shield them from the risks of the internet.

2. Maturity:
You need to assess the maturity level of your kids before you give them a smartphone. The mind of a child is fickle and very easy to influence. Determine and validate their reasons. Dig a little deeper and have an open conversation about why they want a smartphone. Be their friend in the process.

3. Limitations:
Nobody knows your child better than you do. So ask yourself, can they adhere to limits and rules? Because while a smartphone can serve plenty of good purposes, it can also cause massive amounts of distractions, which can have adverse effects on their academics, physical and mental health, social interactions, etc.

4. Safety:
Online safety is a huge concern these days. Even more so with children since they do not understand the consequences of the invasion of privacy and data exploitation. Your child needs to understand the importance of online safety and how they should communicate with you in case of fraudulent transactions or hints of illegal activities.

5. Carelessness:
Social media is addictive. And once you realise how easy it is to stay in touch with the people you know or get in touch with new people, it becomes challenging to keep off the phone. Adults struggle with this addiction, so it’s somewhat obvious for children to get addicted to it as well. Many children tend to text while driving or in public places, posing a huge risk of accidents.

6. Value money:
Your child should understand the expenses that come with a smartphone and, therefore, use it cautiously. Kids need to be mindful of their internet consumption and use it according to their needs appropriately.

Now that you know when the right time to give your child a smartphone is, you need to think about your kids’ safety and how you can safeguard their wellbeing during emergencies. Stay stress-free by purchasing personal accident insurance online, which caters to your children’s needs in the best way possible. The younger generation is susceptible to accidents due to carelessness and distractions. Personal accident insurance online will ensure your child’s safety with guaranteed benefits and a reasonable premium.

Click HERE to know more about how you can buy personal accident 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.

Insurance is an effective mechanism that protects the insured from the financial loss incurred due to damage to an asset. The prudent instrument protects high-value assets like vehicles, in the absence of which the victim has to shell out large sums of money to compensate for the damages to own property and third-party damages.

Despite the safety provided by online car insurance and its allied merits, sometimes the insurer does not approve a complete settlement, leading to being partially compensated. With proper knowledge regarding the procedure, related proofs, and some tips to remember while making claims, it is possible to receive a complete car insurance settlement.

Reasons for partial settlement:
Comprehensive car insurance is the easiest way to ensure that the insured is covered for maximum damages and receives the entire claim amount. If you haven't purchased comprehensive car insurance, you may encounter only a partial settlement for the following cases.

1. Depreciation:
Loss of value of a car due to wear and tear and usage is an inevitable factor that is considered while paying out claims. Damages to parts, including fibre and glass parts, tubes, tyres, etc., are only settled after considering their depreciated value according to the fixed depreciation rates and the age of the vehicle. A zero depreciation cover can help supersede this clause, but several conditions must be considered to avail of its benefit.

2. Partial car insurance coverage:
A partial cover protects the insured from the financial burden of third-party damages and has fewer inclusions while being less expensive than the latter. The policy restricts customisations and is ideal for infrequently used or old vehicles. The policy excludes NCB and its own damages, limiting its scope and increasing the financial burden on the insured.

3. Policyholder negligence:
Negligence while driving is a major cause of accidents. Suppose your insurer suspects that the driver was under the influence, negligent of general driving safety norms, or holding an invalid driver's licence at the time of the accident. In that case, your claim may be rejected or partially settled, depending on the severity of the issue and the claim amount.

4. Lack of proof:
It is essential to submit valid proof of the accident while filing a claim. With inadequate evidence, the insurer may not process the whole claim amount. Pictures of the accident site, eyewitness testimonies, and immediate filing of an FIR are some of the required proofs asked for by the insurer.

5. The car is used for business purposes:
If the insurer discovers that your personal car was used for business or commercial purposes at the time of the accident, you might not get a 100% claim or even a denial of the claim by the insurer.

Tips to speed up the claim settlement process:
While there is no fixed way to guarantee complete settlement, by following the below stated steps, you can ensure the fulfilment of your responsibilities to ensure that you receive the highest amount of claim possible.

1. Initiate the settlement process immediately:
Starting the process immediately after the accident is vital to ensure a quick settlement. It is ideal for raising the claim within seven days of the accident.

2. Keep all the relevant paperwork ready:
Each payment processed to rectify the effects of the accident, including maintenance of the car or replacement of parts, medical bills, the FIR copy, etc., should be maintained and provided to the insurer as proof.

3. Negotiate your demands:
Before reaching the final settlement, which you must ensure is in writing from the insurer, recheck if the amount is justified. Do not refrain from negotiating the sum with adequate reasoning. Consider seeking the help of a legal professional to make the process faster and ensure that your demands are satisfied.

When purchasing conventional or online car insurance, it is critical to read the fine print to ensure awareness regarding all the inclusions so that you can raise proper claims appropriately to settle at the earliest.

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.

For many years, owning a car has been looked at as a show of wealth. But in recent years, a vehicle has become more of a need than a luxury or leisure. Yet purchasing a four-wheeler is still recognised as one of life's significant achievements and investments.

As an impact of the pandemic, people are more likely to travel by car than public transport. Whilst the value of owning a vehicle has grown over time, ensuring its security and safety is essential. Therefore, do not overlook your car's insurance and get car insurance renewal on time.

What is comprehensive car insurance?
As the name suggests, comprehensive car insurance is broad insurance coverage that provides security against various concerns. Comprehensive car insurance is so far the most commonly adopted kind of automobile insurance since it covers both parties in the event of an accident. It protects you in a crisis, accident, robbery, fire, or explosion, among many other situations. Including extras or add-ons to comprehensive insurance, such as depreciation cover, emergency assistance, engine protection, and so on, makes it a more customisable and desired kind of auto insurance coverage.

What is third-party car insurance?
The Motor Vehicles Act of 1988 states that third-party car insurance is the most basic and necessary insurance to possess and is required for all car owners. Third-party insurance, as a contrast to comprehensive insurance, provides limited coverage. It protects you against losses made by your vehicle to a third party. The damages done to a third party's car, property, or the individual themselves will be covered under this policy. This sort of motor insurance covers any third-party damages, injuries, or losses caused by the policyholder's misconduct.

When to switch from third-party car insurance to comprehensive car insurance?
Following are a few reasons to switch to comprehensive insurance from third-party insurance:

1. Covers your losses:
With the exception of basic third-party car insurance, comprehensive car insurance covers your vehicle for losses caused by a range of factors.

2. Customisable add-ons:
One of the chief factors for switching to comprehensive car insurance is customising the coverage depending on the various add-ons offered by the insurer. Customising the plans gives the policyholder the independence to get better coverage and benefits.

3. Personal accident coverage:
In addition to injuries caused to a third party, comprehensive car insurance involves personal accident coverage for your treatment in the event of an accident. This feature is crucial for all policyholders and can be extremely helpful during unexpected situations.

Getting the proper car insurance coverage is as crucial as getting the perfect vehicle. While the law requires you to have motor insurance, do not limit yourself to the bare minimum. A comprehensive auto insurance coverage protects you against the expense of hospital and auto repair fees. It provides all-around protection, making it a must-have in your inventory.

Similarly, remember the importance of purchasing ideal car insurance and even timely car insurance renewal to avoid interruption in the benefits.

To get a car insurance renewal, 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.

Are you a long-ride motorbike enthusiast? Fun is always the best part of such experiences. But what about the rider's security? Safety gear like gloves is a matter of debate, with some viewing them as a fashion statement rather than a necessity. However, gloves can help you maintain a firmer hold on the handlebars, absorb shock better, and protect your hands in the event of a spill. Every rider should have a helmet and gloves for protection.

Investing in a good pair of biking gloves will make you look like a pro and make your rides safer and more comfortable.

The benefits of wearing your biking gloves on long rides.

Your head requires protection while biking so does the rest of your body. If you're in a collision, your legs, arms, and hands are also at risk. Investing in appropriate protective gear for these body parts is a good idea to ensure your safety on the road.

In the event of an accident, your natural reaction is to grab hold of the handlebars as tightly as possible. Most of the impact on the ground will be absorbed by your hands. If you're not using gloves or other protective gear, your hands are at risk of serious injury. To protect against harm, gloves are essential. A cushioning layer prevents damage from falling to the ground's grit, rocks, or gravel.

1. Concern for the riders' well-being:
Some gloves for bike riders feature a cutting-edge design that boosts user protection. To indicate a turn, urban bikers frequently don LED turn signal gloves. The gloves have a futuristic design and are illuminated to send a clear message at night. Most bikers agree these gloves are ideal for using hand signals while riding. Their longevity and solid build quality are additional selling points.
Comfortable gloves are great for long rides because they keep your hands warm and dry. And this is the main reason why bikers always wear gloves. It's normal to get sweaty palms after a long time spent on a bike. Because gloves can soak up moisture from your hands, they significantly improve your comfort level. A tight grip on the handlebars can cause discomfort from pressure and friction. You can reduce this if you wear gloves or other hand protection.

2. A firmer hold:
The temperature and humidity where you are biking can cause your hands to become damp and sweaty, resulting in a compromised grip. High-quality biking gloves allow air to circulate so your hands stay dry and comfortable.

3. It can reduce the impact of a fall:
If you enjoy riding over rough and rugged terrain, you should get accustomed to constant pressure. Gel pads or padding are commonly found in gloves for just this purpose. The gloves' palm padding helps absorb impact and distribute pressure more evenly, protecting your hands from injury.

4. Riding comfort:
Winter weather is a constant obstacle for bikers in northern latitudes. The cold will be especially noticeable on your hands. Good gloves help you ride comfortably to places in cold weather.

In conclusion, biking gloves are vital yet overlooked safety gear. Numerous situations call for the riders to always opt for protective gloves. The level of comfort and security it provides while you ride a bike is elevated to new heights. In addition, a bike insurance online plan protects the policyholder against losses resulting from theft, natural disasters, man-made calamities, etc., making for the perfect protection provider to accompany you on your long-distance adventures!

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.

Applying for a car insurance claim may be a stressful procedure, regardless of how well you may have painted the picture for yourself. However, not all insurance companies are trying to steal your hard-earned money. You can cope with any problems with car insurance claim settlement that may arise by just being informed of the specifics involved in the procedure.

Having a car insurance claim denied is common, though. There's a good chance that someone you know has experienced it. Additionally, it frequently occurs that the policyholder cannot understand why their car insurance claim was denied, which only heightens their frustration.

However, you need to know a few things concerning the rejection of a car insurance claim.

Reasons for denial of car insurance claims:
A typical car insurance coverage will often cover loss or damage brought on by theft, accidents, or other people. However, it would be absurd to assume that your car insurance company will pay for any losses or damages that result from the normal wear and tear the car experiences over time and with use.

What should you keep in mind to avoid your claim from getting denied?

1. Give accurate documentation, even when applying online:
Refrain from giving false or inaccurate documentation for insurance purposes, even if you are applying for a claim online. If you submit a claim and the insurer discovers that the supporting documents are incorrect, misleading, or even phony, your claim may be denied.

2. Read the policy document in its entirety:
Because they are more knowledgeable about the policy's terms and conditions, insurers can better find a point you ignored and use it to support their decision to deny your claim. To avoid this, policyholders are encouraged to carefully read their policy contracts to be informed of what will be covered and what won't. Feel free to seek assistance from someone knowledgeable in insurance jargon to clarify the policy and assist you if you are unsure of what it says.

3. Save every invoice and receipt:
It would be a good idea to have such accessories covered under an add-on cover if your car is equipped with anti-theft gadgets, an expensive radio system, or anything else that is not included in the car's standard equipment. The bills or receipts for purchasing those accessories must be presented, though, if you ever need to claim for the damage or loss of those items. The related invoices and receipts must be available. In every other case, the assertion is likely to be disproven.

4. Remain within the claim intimation time window:
Insurance companies typically stipulate that policyholders have 48 to 72 hours to notify the insurer of any incident or accident after it has happened. Always do so. However, this may only sometimes result in your claim being denied.

5. If a car is stolen, file an FIR right away:
You would be quite stressed if your car got stolen. To register a claim, particularly in the event of a theft, you must first file an FIR at your local police station. Take notice of this step. A claim's submission or approval could be complex without an FIR.

6. For co-passenger protection, take a separate cover:
Co-passenger insurance must be purchased separately for each passenger if you want to provide coverage for them while riding in your car. If you do not have adequate coverage for your fellow passengers, the insurance company may deny your claim for their injuries in the event of an accident.

You can conveniently buy online motor insurance policy, but getting a car insurance claim granted might be challenging. Nothing in this is set in stone, and you may always contact your insurance provider to figure out how to resolve a denied claim or learn the reasons for the denial of your claim. Invite those with knowledge of insurance issues to assist you.

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.

As we get older, our body becomes subject to more wear and tear. Several adults develop comorbidities and illnesses as they hit the milestone of 50. At this stage, getting medical tests and screenings is crucial to maintaining a healthy lifestyle and habits.

While maintaining overall wellness is important at any age, adults are more prone to discovering their underlying health issues at this age. This is when it becomes imperative to get well-rounded annual health checkups to ascertain any medical worries and improve their quality of life.

Unfortunately, along with a sense of wisdom, getting older also brings a list of health complications. While investing in health insurance in India can secure your parents' medical worries, conducting annual health checkups is paramount.

Benefits of annual health checkups for adults above 50.

1. Discover health issues early on:
Getting health checkups involves various scans and blood tests. There are several things you can learn from these tests. When shown to your physician, they can point out any deficiencies and more extensive problems that your tests may reflect. Knowing about these health problems as soon as possible is key to controlling and managing them effectively. You may not be suffering from any symptoms early on. However, it's better to learn about these issues by running tests before matters get out of hand.

2. Know about a disease you're at risk for:
Your tests can also help your doctors find any problems leading to more severe diseases or illnesses in the future. Knowing your family's health history and comparing it with your own can help draw parallels and understand what condition to prepare for.

3. Manage chronic diseases effectively:
With every annual checkup, you can learn how many changes your body goes through. You can also know when you may develop long-term comorbidities like diabetes, hypertension, thyroid, asthma, arthritis, etc., that need hands-on treatment.

4. Save time, effort, and money:
Precaution is always better than cure. Regular checkups can help you prevent illnesses and save you from dealing with severe symptoms later on. Even though you may have secured the retirement life of your parents by investing in health insurance in India for parents, it is always better to know about the upcoming challenges you need to cope with. This saves the amount of time, effort, and money that needs to be spent controlling the health complications that get worse with time.

5. Make better lifestyle choices:
Health issues do not arise simply due to hereditary or genetic makeup. They can also occur due to unhealthy and toxic lifestyle choices. A regular habit of indulging in unhealthy food, liquor, and other narcotics can adversely affect your health.

Unhealthy habits like smoking can cause respiratory and blood toxicity. Getting annual health checkups can help you understand what physical issues these unhealthy habits are causing and how to fix them.

To sum it up, adults need to understand the importance of getting annual health checkups once they turn 50. Ignoring your health will only lead to more problems in the future. Encourage the elders in the family to get yearly checkups on time to avoid undue stress and health concerns. Remember to consider health insurance in India for parents to cover the medical needs of your parents and loved ones.

Click HERE to buy the best health insurance in India for parents.

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

Running a business is seen as a highly lucrative earning opportunity. However, the efforts, resources, and time required to envision, set up, and grow a business are not discussed enough. While the process is challenging, the true extent of an entrepreneur's sacrifices and the venture's uncertainties go unnoticed.

Considering the volatile settings in which a business must find foundation and prosper, insurance services are a boon that entrepreneurs must benefit from to protect their vision from risks, third-party lawsuits, and compensation claims. One such perk is commercial general liability insurance that provides an enterprise of any size belonging to any industry with the combined benefits of a product and public liability insurance policy.

If you own a business or plan to run one in the future, here's all you should know about commercial general liability insurance.

Defining commercial general liability insurance.

An insurance offering for companies and businesses, a commercial general liability insurance policy is a comprehensive protection from financial losses due to legal claims of bodily injury or property damage arising from business operations. Applicable for accidents caused by the non-negligence of the proprietor, it helps in risk management and ultimately protects the reputation and finances of a business in the long run.

The unique offering is an inclusive product and public liability insurance policy, making it a dual-benefit financial coverage for manufacturers of physical and intangible products and protecting them against claims that may be raised by third-party stakeholders like suppliers, customers, etc.

Coverage extent.

Often considered a comprehensive business insurance cover despite specific exclusions, commercial general liability insurance covers the following risks –

1. Third-party damages and injuries:
Any unintentional accidents that result in bodily injuries or losses for third parties while on business premises are covered under the policy. Therefore, the business can raise a claim in case of any reimbursement of medical bills of the injured or the cost of replacing or repairing any damaged property of third parties. It also includes accidents that cannot be traced back as wilful mischiefs, like accidental fires.

2. Advertising lawsuits:
Amid the highly-competitive environment with unclear and relatively lax laws relating to advertising protocol, it is common for businesses to battle in court over intangible assets like ideas, campaigns, strategies, and patented copyrights or trademarks.
While such issues may arise without ill intent and a genuine lack of awareness, a lawsuit may result in slander, public discontent, or even loss of business due to a change in public sentiments. While the issue and compensation for the party at fault is a judicial matter, the legal expenses borne by the business owner can be reclaimed, as legal and settlement costs are covered under the policy.

3. Product quality discrepancies:
The effective use of a product is highly dependent on its quality, which makes it a significant factor to maintain on the manufacturer's checklist. In case of any issues with the final quality of the product marketed, the consumer is entitled to sue the business for the product quality issues, which may result in end-user harm. This is a serious allegation that can jeopardise the future earning capacity and perpetual continuity of the firm.
While manufacturers must ensure that such serious issues do not surface, commercial general liability insurance protects the business from lawsuits and reimbursement costs.

4. Privacy invasion:
To set your product apart, endorsements may do wonders for increasing its reach and enticing consumers to purchase. But you must always have the legal provisions to use such material directly. Without such an express agreement, the commercial general liability policy can help settle with the aggrieved party outside the court and reimburse you for the compensation.

The above extent of coverage offers a general guideline of the inclusions of the two-in-one product and public liability insurance policy. We encourage business owners to do due diligence before purchasing business insurance to ensure their organisation enjoys comprehensive protection!

Click HERE to buy the best public liability 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.

Many people are passionate about cars and love to add them to their collections with multiple vehicles of different classes and brands. Are you someone who owns multiple cars? If yes, your primary concern would be maintaining the insurance documentation of individual vehicles

What's the solution? If you own more than one car, you can have a single insurance policy covering all your vehicles. Yes, you read it right. The IRDAI offers a provision of paying a single premium for your multiple cars under a multi-vehicle policy or motor floater policy.

Let's understand in depth about this motor floater policy.

Merits of a multi-vehicle policy:

● It can cover up to 05 personal cars registered under a single owner.

● Helps in reducing the hassle of paying and managing multiple premiums and remembering the renewal dates of different policies for different cars.

● Customisation flexibility is offered to the insured to add or remove the cars covered in the policy.

● When you insure more than one car with the same insurance policy, you can be sure that you will save money and get better deals. The likelihood of long-term benefits is assured.

● A hassle-free process will result in less paperwork, and both the insurance provider and car owners may find the process convenient. The management and renewal of the insurance will be simpler for car owners since there will eventually be a single due date for all cars.

● The premium will be calculated and charged based on the usage of the cars, which is a crucial advantage for the insured.

Limitations you must be aware of.
There are a few restrictions you should be aware of before choosing to purchase multi-car insurance.

● Policy premium burden:
With a single renewal date, payments would typically be in substantial sums. Compared to allocating funds for various programs in an equitable manner, this significant money may put a strain on your finances.

● High-risk driving:
If the owner-driver is considered under the high-risk category, the policy's total cost may go up. Thus, it is important to have disciplined driving behaviour and a good record to avoid paying hefty premiums.

● Failure to renew on time:
Failing to renew your car insurance before expiry could cause all the cars covered by the policy to expire. This will happen because there will be a single renewal date for all the cars. If you forget to renew the policy on time, all the cars could become uninsured. Furthermore, you risk losing the NCB on all the cars if you go past the 90-day grace period following the renewal date.

Even though there are a few significant restrictions, insurance companies are working on solutions that could eliminate them, such as simple payment choices and extended grace periods so that you can have best car insurance in India.

*Imp:
The multi-car or motor floater policy is in its initial stage of formulation in India. It has some clauses and is applicable for selective services. Make sure to check further details with your insurance company for a better understanding and get the best out of your car insurance plan.

Click HERE to buy the best car insurance in India.

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

A personal accident policy covers the loss or damage to the policyholder due to accidents. Considering that unforeseen accidents may happen at any time, one must always be prudent and purchase the best personal accident policy in India for complete coverage. However, does purchasing multiple personal accident policies result in payouts from various insurers? Read on if you need clarification about whether you can claim insurance from multiple insurers for a single accident.

Types of personal accident policy.

An insurance company provides several personal accident plans with differing inclusions, conditions, etc. Here are some of the best plans you can consider opting for, including –

● Individual personal accident insurance plan:
This personal accident plan covers death, and short and long-term disability for individuals due to an accident.

● Group personal accident insurance plan:
This personal accident plan offers primary coverage for more than one person. Usually, employers provide this policy for their employees as an additional perk.

What does a personal accident policy cover?

Under the personal accident policy, you can get coverage for the following damage or loss, including –

● Permanent disability cover: Under this cover, the insurer will pay a pre-agreed amount to the nominee if an accident leads to permanent disability.

● Accidental death cover: In this cover, the nominee will receive the sum assured of the policy if the policyholder dies.

● Temporary total disability cover: In this cover, the policyholder will get the pre-agreed amount if the accident makes them bedridden for some time.

● Permanent partial disability cover: In this cover, the policyholder will receive 100% of the benefit of the sum assured if the accident inflicts permanent partial damage to them.

Standard exclusions from a personal accident policy.

Let’s take a look at the list of exclusions under the personal accident insurance policy:
● Pre-existing disability or injuries
● Intentional suicide attempt
● Childbirth or pregnancy
● Accidents caused due to intoxication
● Non-allopathic treatments
● Taking part in dangerous sports
● Committing a criminal act
● Suffering from a mental disorder

Can you claim from multiple personal accident policies?

It is perfectly legal to purchase and hold multiple personal accident policies. The policyholder can claim from all the individual accident policies for an accident if the damage falls under the section inclusion.

Having multiple personal accident policies is beneficial as they provide extra layers, and the family of policyholders receives more money from different insurers during an emergency. However, if you claim insurance from multiple personal accident policies in a year, the premium will be increased when you renew the policy.

How to claim personal accident insurance from multiple insurers?

Follow these steps to claim insurance from more than one personal accident policy.
● You can make cashless claims from the hospital that your insurance company is in contact with.
● You can also use reimbursement claims when not treated at in-network hospitals. In this method, you pay the hospital bill first, and the insurer reimburses you. You need a few documents to make a reimbursement claim, such as bill receipts, claim forms, discharge summaries, prescriptions, and claim settlement summaries (if you claim from multiple insurers).

While choosing a personal accident plan, check its features, benefits, inclusions, and exclusions. The best personal accident policy in India covers various damages and losses and provides additional perks. Also, when claiming for a personal accident plan, keep a copy of your documents handy for a fast claim process.

Click HERE to purchase the best personal accident 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.

Having two-wheeler insurance helps you during unprecedented financial situations such as accidents, natural disasters, theft etc. A comprehensive plan covers the damages and repairs you might require in the future for your vehicle.

Over time, with new insurers coming to market and new insurance plans taking centre stage, we find ourselves wanting to make a switch. You might be tempted to change your insurance provider or simply want an upgrade.

This article will help you better understand things you need to look out for before changing your two-wheeler insurance.

1. Sometimes, due to a lack of attentiveness from your previous insurance provider, you might want to make a switch. You can look up the renewal process of the 2 wheeler insurance online. Insurance companies provide a hassle-free renewal process.

2. Instead of switching your insurance provider, you can simply upgrade your plans. At the time of renewal, ask your insurance provider to brief you on all the best and updated insurance plans. You can also check online and find the kind of upgrades the company provides.

3. If you need to switch services during your current policy, you can conveniently do that. First, you will have to close your existing policy. Most insurers will refund you with a few deductions. The switching process is generally hassle-free. You are required to submit documents to cancel your old one once the new insurance provider has given you cover.

4. If cost is the primary reason for you to switch, you should first compare the 2 wheeler insurance available online. Sometimes an insurance company may provide you with more cover for a few extra hundred bucks. If that’s the case, you might want to stick with your existing provider.

5. Look into factors like customer service, efficiency, claim settlement ratios etc. This gives you a better understanding of the company and their market ratings. This plays a massive role in choosing the best insurance provider for you.

6. The following documents are to be kept handy in case of a change of insurance provider:

• Identity Proof

• Address Proof

• Registration certificate

• The previous insurance policy document

• Passport size photo

7. While making the switch, don’t forget to look into the add-ons that the new policy provides. Add-ons such as roadside assistance, engine cover, etc., might increase the premium of your insurance, but it also assures prompt and easy service.

This is a comprehensive list of things you should keep in mind while changing your insurance plans. Remember that the insurance providers are there to help. Asking the right questions and understanding all the services your insurance provider is willing to provide can go a long way. With easy access to technology, you can go onto the internet, analyse various options, and choose the 2 wheeler insurance online that suits you the best.

Another thing to keep in mind is that you need to make these decisions before renewing your policy. Since riding a vehicle with no insurance is a punishable offence. Hence researching beforehand should be your priority.

Click HERE to take a look at 2 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.

Since Covid-19 hit the world, nothing has been the same. From individuals to industries, every aspect has undergone a massive transformation—changes that are leading to a disruption beyond the bounds of the economy and the global market. We saw extreme survival, lockdowns, economies tanking, corporates trying to run businesses with work-from-home options, and much more.

During lockdowns, businesses, start-up founders, analysts, and corporate professionals across the industries began to figure out the patterns of changing consumer behaviour and the solutions to address their demands.

We, too, believe that the insurance industry is experiencing profound change. The ecosystem is evolving rapidly, and insurers can no longer lean on old standard practices. With people being worried for themselves and their loved ones, investing in insurance meant investing in a healthy life. This has responded to the change in the insurance sector and marked the start of a revolution!

The following are the few emerging trends I believe will change the insurance industry landscape.

Insurance is not about products anymore.

It is almost weird to think about how the insurance sector is not "product-led" anymore. Safeguarding one's assets, health, life, homes, vehicles, and other aspects highlights the severity of having insurance. For example, you can consider health insurance a consumer product, but it is no longer about the "product" game.

The insurance sector is gaining recognition as a "service-oriented" industry. Constituting the perfect experience, right from being the potential customers' first choice to educating them about how their needs are going to be met, helping them throughout the process and beyond, addressing their grievances and providing solutions, and easing up the entire redemption process in the times of need is how you foster and strengthen your customer relationships. With so much focus on instant gratification, insurance companies need to curate an indispensable "service" – something that is hard to replace. We at Magma HDI endeavour to bring these practices into practicality.

Taking efforts to push digital transformation initiatives forward.

The Indian insurance market is encountering a massive technological shift. Digital-first business models are replacing traditional insurance practices. Gone are the days when insurance agencies relied on the older patterns of customer management, applying outdated systems and business thinking. The rise of state-of-the-art technologies has given new hope to age-old insurance practices, which we are the "modern legacy" powered by digital technologies. Digital-first insurers can offer relentless support, ensure transparency, and entrust their customers with realistic and practical solutions.

With these digital initiatives in place, the insurance sector can defy all stereotypes of being considered "conservative". This shift will push insurance companies to collaborate with different technologies developed by the IT sector and keep improving their services to ensure a seamless customer experience. Digitisation is the new cool. And the insurance sector is happily jumping on the bandwagon.

Personalisation is key.

Insurance companies need to admit that the habits and mindsets of consumers have changed with time. Personalisation is the new way of interaction that insurance companies need to adapt to volunteer the special interest of their customers. Tweaking your benefits and providing opportunities in a way that speaks "your" language, something unique to "you", is how we have been challenging the existing conventional work approach.

Data is the greatest resource in personalisation. This data includes the basic information, location, behavioural data of customers, etc. Making the right use of the collected data, the customers expect a personalised experience that can improve the relationship the company has built with them.

Delivering personalised services helps you strengthen your equations with your customers and prove that you, as an organisation, value their loyalty and contribution to the company's growth. It assures them that the company is standing strong with them. The other benefits of personalisation include an increase in sales, a boost in company’s reputation and the number of converts, customer retention, insights into consumer behaviour, and much more!

The transition of the insurance industry from traditional to digital, is making headlines and grabbing everyone's attention. The innovative-first approach and efficient technological solutions are leading the way to more promising insurance transactions and trusted customer relations. Your products might be one in a million but curating a perfect customer experience takes you to the top.

The industry is at a pivotal moment in developing forward-thinking insurance services, as the market is grappling with change at an exceptional speed. These are exciting times to take a step ahead and build deeper relationships with customers throughout the customer journey.

Being an entrepreneur brings a lot of risk to the table. Insuring your business against liabilities and risks is a wise consideration. Business insurance can help a company protect itself from unforeseen circumstances, such as natural disasters, theft, unintentional injuries, etc. It is of utmost importance for a business owner to be able to assess the risks involved with their line of work. They should consider the needs of their business so that one mishap does not wipe out their entire life's work.

Irrespective of whether you are just setting up or are an established player in your niche, specific policies like public liability insurance in India are essential to cover your business from lawsuits and compensations.

Here are some kinds of insurance that can help cushion the liabilities your business may face in uncertain conditions.

1. Property insurance policies:
For your small start-up business, you spend most of its capital on inventory. In the case of damage to the property, it is tough for businesses to replace or repair damaged property. Some companies never recover from this. So, it is paramount to insure the physical location, tools, and other industry-specific equipment against damages.
However, most property insurance policies don't protect businesses from natural disasters like cyclones and floods, so it's best to talk to your insurance company about all the policy clauses beforehand.

2. General liability insurance:
This insurance helps you bear the costs of legal fees and other liability claims arising from third-party injuries due to your product or business. The entire cost of any legal proceedings that arise from a lawsuit against the company has to be paid by the owner. Whether working in an office setting or remotely, you should be insured against this possibility as it can significantly impact your finances. Research public liability insurance in India before choosing the best policy for your needs.

3. Worker's compensation insurance:
Worker's compensation insurance is mandatory in most cases. This policy is necessary in case of employee injury, death, or illness. It also covers the legal fees if the deceased's family decides to sue the business. Slip and fall injuries may also happen within your premises, and you might have to incur considerable hits to your business by paying off medical costs.

4. Professional liability insurance:
Professional liability comes under the same realm as general liability insurance but has a different use. This insurance is solely for errors or lack of proper service and is also called errors and omissions insurance. It covers the financial repercussions of negligence on your part in rendering any services. However, this policy is usually industry-specific, so it is wise to take expert advice from your insurance company for your specific profession.

5. Business interruption insurance:
In the event of any natural disaster or other unforeseen situations like a riot or a strike in the work area, a business cannot continue uninterrupted. This results in a loss of income due to the stoppage of the ordinary course of a business. In this case, business interruption insurance comes in handy, as it compensates the company for its lack of income in the time it takes for them to get back on its feet again.

6. Commercial vehicle insurance:
Any company that uses vehicles for commercial purposes should insure their vehicles against any damage caused by unforeseen accidents, fire, or theft. This is mandatory in India, but you should research your options to get more comprehensive coverage.

Buying insurance, especially public liability insurance in India, is an essential step in any business owner's journey. Research all your options thoroughly and make an informed decision. Take account of all the risks and accordingly prepare a strategy to mitigate them without sustaining any loss. The growth and security of your business rely on your alertness and preparedness to avoid falling prey to financial loss due to unexpected mishaps.

Click HERE to know more about public liability 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.

Natural gas is commonly used at homes for cooking and heating purposes. It is a fantastic fuel and is highly convenient for domestic purposes. However, since the gas is combustible, a leakage in large amounts can cause suffocation and death.

As natural gas is colourless and odour-free, it is always difficult to find any gas leak signs in your home. Also, remember that it might not have physical indications or smells. So, how can you identify natural gas leaks? Let's look at everything you need to know.

Detectors for Natural Gas leaks.

1. Propane & Natural Gas Detector:
The goal of these sensors is to notify about grills or stoves being switched on. Many homes use sensors to detect whether the youngsters in the family are tampering with the grill or stove. These sensors come in both connected and wireless forms. If you have a hardwired sensor, you can use a wireless transmitter to connect to it.

2. Carbon Monoxide Detector:
When these detectors sense a particular level of carbon monoxide in the air, they go off and sound an alert. It has a combination of different sensors that help it function, such as

• A biomimetic sensor changes colour as it absorbs carbon monoxide, and this colour shift activates the alert.

• The silica chip's circuitry system detects carbon monoxide, which reduces the electrical resistance and causes the alarm to sound.

• If the electrodes in a chemical solution present in the detector come into touch with carbon monoxide, they detect variations in electrical currents, triggering the alarm.

Traditional ways to detect a gas leak.

1. The smell of a rotten egg or sulfur:
Natural gas and propane have unique odours for a particular reason. Gas processing companies employ mercaptan as a safety additive because it gives the colourless and odourless gas a distinct odour. Most people associate this odour with rotting eggs or sulfur. So if you smell anything of such nature, investigate for a gas leak.

2. Dead vegetation:
Although you can't see the gas pipelines beneath the soil, a visible patch of dead vegetation can signify a leaky gas pipeline underneath.

3. Hissing sound:
You may hear a mild hissing sound coming from your gas line if there is a leak. This is a solid sign to get the line diagnosed immediately.

4. The bubble test:
Combine a teaspoon of detergent with a cup of water. Apply this solution to the area you believe is leaking and watch for bubbles to form. This signifies that gas is leaking from that location.

The possibility of a gas leak can be frightening, but understanding how to recognise danger and what precautions to take can help you relax. When it comes to gas leak detection, using the methods outlined above can assist you in determining whether your family and house are in danger.

One more step in maximising safety is to get insurance for you, the loved ones and your valuable assets. Browse through different plans of general insurance companies in India and analyse your requirements. Buy the plan that meets all your needs and safeguard your home against these risks.

Click HERE to explore insurance plans from one of the best general insurance companies in India.

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

Bone injuries are severe and painful. They make your life miserable, and everyday chores become a huge task. The post-fracture recovery takes a long time to heal the bone. It requires the patient to undergo complex procedures to ensure that the bone heals appropriately and that normal body functions are not obstructed. Although your body has exceptional capabilities to heal itself, you must still take extra care while doing daily tasks.

We all have fallen at least a couple of times in our lives. We bruise, get cut, bleed, sprain, pull a muscle, or break a bone. There is always a risk of a hairline fracture. You must be aware of the term and how risky it can be. If you are somebody who is a stranger to the concept of a hairline fracture, do not fret. This blog discusses what it is, the signs of hairline fractures, and tips for healing them effectively. Let’s begin!

1. What is a hairline fracture:
Hairline fractures are also known as stress fractures. These fractures occur when small cracks appear and grow on the bones of your foot, lower leg, and hands. Hairline fractures are often observed in the bodies of people with a lot of footwork, like jumping, running, hardcore workouts, and other athletic activities in their routine. Moreover, in other cases, hairline fractures result from accidents and collisions against hard surfaces, during which the bones in your body bear an impact and get fractured.

2. Causes of hairline fractures:
As discussed above, excessive and heavy footwork involves activities that put a lot of continuous strain on your foot and ankles. Bones are very rigid parts of our body and can bend only to an extent to maintain the smooth functioning of the ball and socket joints. Persistent pressure on the bones also affects their elasticity and can develop minor stress or hairline fractures.

3. People at risk:
Apart from those who play challenging and heavy-impact sports and the ones who work out a lot might be affected by these hairline fractures with no warning. Genetic and biological factors like gender can influence a high risk of hairline fractures. These fractures are usually common among females.
Physical abnormalities (arched foot, etc.) or using the wrong footwear could also put your bones under stress, even while doing menial chores. Osteoporosis, or weak bones, a history of fractures, and dietary insufficiency (lack of nutrient-rich food items that help strengthen the bones) are other factors that can cause hairline fractures.

4. Signs and tips to heal:
Shooting or sharp pain, inhibition of movement, swelling, inflammation, tenderness, and bruised patches indicate hairline fractures in your bones. You can consult a doctor and get an MRI or X-ray done to confirm their diagnosis in case you have a hairline fracture.

The first and foremost tip for healing the fracture is to rest completely and avoid doing any heavy tasks. Secondly, in the first one or two days, you need to ice the area using ice packs frequently. This will help in reducing the swelling. With the decrease in swelling and lower pain, you can slowly resume your daily routine with extreme caution. Consult a doctor who might recommend crutches, protective shoes (footwear), or a splint to help avoid putting the damaged part under stress and provide maximum support.

That’s all for the signs of hairline fractures and tips to heal them effectively. You must ensure to stay in good health as much as possible. Take the best precautions and remain vigilant. Another wise decision would be to purchase a personal accident insurance policy to avoid monetary stress during mishaps and protect yourself and your family. Explore your options and buy the best personal accident insurance policy that provides optimum protection.

Click HERE to learn more about the personal accident 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 recent Economic Survey for the year 2022-23 presented by the Government of India indicates a positive growth outlook for the Indian insurance sector. With the general insurance policy penetration rates at par with the global level, one may assume that all insurance policies are equally preferred in the country.

However, upon careful inspection, it is easy to realise that personal accident insurance plans do not enjoy such high penetration as popular insurance like health insurance, which is considered necessary. While many may think the formerly mentioned plan is sufficient to cover every contingency, the coverage against disabilities and personal accidents is often left out of the scope of consideration.

Defining personal accident insurance plans.

Personal accident insurance plans are a type of insurance that provides coverage in the event of an accidental injury or death. It offers financial support to help cover medical expenses, lost income, and other expenses that may arise from an unforeseen injury or death. Apart from monetary compensation, it also offers peace of mind to policyholders without worrying about the financial consequences of an unexpected accident.

The need for personal accident insurance plans with other insurance.

Buying health insurance only provides limited coverage for the illnesses and conditions included in the policy, leading many to believe it is enough to provide comprehensive protection against adverse events affecting one's well-being. However, this assumption is flawed, as can be understood from the definition above. Hospitalisation due to the policyholder's illness is a prerequisite for raising a successful claim. In case of only accidents or injuries, the policyholder is left unprotected, making purchasing personal accident insurance plans essential.

1. Coverage extent:
Health insurance only provides compensation in case of the policyholder's death or hospitalisation due to specified illnesses. It offers no specific coverage or payouts for accidental death or injury. Personal accident insurance plans supplement such cases by covering accidents caused during travel, work, commute, etc.

2. Financial compensation:
One of the benefits of personal accident insurance is that it provides financial support to help cover medical expenses and loss of productive capacity due to an accidental injury or death. This way, hospitalised policyholders who cannot return to work for a stipulated period are offered a daily cash allowance and additional benefits for their dependents, like children's education and transportation allowance.

3. A broad scope of disability coverage:
Most personal accident insurance plans offer coverage for accidental death, permanent partial or total disability, or temporary total disability. This provides incidental disability or death coverage regardless of the cause, unlike health insurance. Therefore, personal accident insurance plans offer peace of mind to policyholders about the financial consequences of an unexpected accident.

4. Flexibility of coverage:
Personal accident insurance plans are generally more affordable than other insurance types. They are also flexible, allowing policyholders to choose the ideal coverage for their needs and budget, making it accessible to a broad range of potential policy purchasers.

Standard exclusions to keep in mind.

Like every insurance product, personal accident insurance plans exclude certain factors such as natural death, high-risk work environments, childbirth or pregnancy, suicide, and self-inflicted injuries. Accidents caused while participating in extreme sports, under the influence of intoxicants, or while engaging in criminal activities are other reasons that most insurers do not provide coverage.

Despite their exclusions, personal accident insurance plans are excellent supplements to health insurance and provide relatively comprehensive protection against the financial impact of accidental injury or death. We urge you to consider purchasing personal accident insurance plans to protect against unforeseen accidents.

Click HERE to browse through different personal accident insurance plans.

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

Losing your traditional car keys is a minor concern as you can quickly get a duplicate key made by the car service centre. However, as vehicles have become more technologically sophisticated, getting new keys can be more technical and expensive than ever.

It can take several steps and leave a dent in your wallet to replace a lost or stolen key, depending on the type and model of the car you drive. Fortunately, when comparing new car insurance rates, you can purchase an add-on coverage to protect your car keys.

While the add-on cover can limit your expense, here's what you should do if you lose your car keys.

1. Verify carefully:
Before deciding, conduct a comprehensive search for the keys everywhere. Retrace your steps and cover all the spaces you may have placed your keys.

2. Inform your insurance provider:
When you lose your key, the first thing is to write to the insurance provider and tell them what happened. With a misplaced key, there is a considerable risk of vehicle theft. Additionally, they may require the submission of an FIR filed with the nearest police station.

3. Reach out to a franchised dealer:
Contacting a manufacturer's dealer for your car is recommended if you need an OEM replacement key. It frequently costs money and takes time to obtain. If your original key offered features like a hands-free boot release, you will receive a new key identical to it in addition to programming for those features.

4. Decide on your car's essential type:
If you lose the existing key and have no spare, consider switching your key type. Traditional transponder, FOB, and intelligent keys are options to choose from.

How to recover different kinds of keys.

1. Traditional key:
You must put a conventional car key into the ignition cylinder to start your vehicle mechanically. If you misplace your car keys, you can phone an auto locksmith, who can immediately make you a new key. You might need a new ignition lock cylinder and key from the dealer or another repair facility.

2. Transponder key:
These keys are more advanced and detected by the Electronic Control Unit that starts the engine. A skilled electronic locksmith can help as they have spare keys equipped with the same tuning chips as your car. But they bill you more than they would have for a regular car key.

3. Smart key:
Modern vehicles almost universally include push-button start and keyless entry. However, we advise keeping a spare in your glove compartment for emergencies. If you lose your keyless entry FOB, you can buy a spare key or have your car towed to the closest brand dealership, where they will program a new FOB to pair with your vehicle. Smart keys are the most expensive set of keys among all types, and you should only get them from your authorised car dealer.

Losing your car key is not a significant concern as there are several ways to recover a new one or attain a spare key. Also, consider purchasing key protection coverage while evaluating new car insurance rates for comprehensive coverage of your car and its key. It's always a safe option to watch out for your car keys and keep them safely in your pocket and avoid leaving them unattended.

Click HERE to buy comprehensive 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.

When looking to purchase bike insurance coverage, there are a variety of options available. A comprehensive policy with zero depreciation add-on coverage is among the most used motor insurance policies.

This post will discuss the advantages of purchasing the zero depreciation add-on, how it improves coverage, and most importantly, whether the higher price is justified. To learn more, keep reading.

What is zero depreciation on bike insurance?

As a policyholder, you must be informed of the numerous crucial provisions of bike insurance. The depreciation component is one of them. Depreciation is nothing more than a loss in value that occurs over time. The bike and its components experience normal wear and tear over time. The result is depreciation.

When you file a bike insurance claim, the depreciation factor comes into play, and your claim amount is reduced. This is why you want to think about acquiring zero-depreciation two-wheeler insurance. You can purchase this add-on coverage along with the complete bike insurance plan. No matter how old or the bike has depreciated, the insurance company will pay out the entire claim amount when you have a zero depreciation cover.

The benefits of bike insurance with zero depreciation.

● More compensation: With a zero depreciation add-on, the cost of repairing your bike is covered without accounting for the bike's diminished worth. Consequently, you are reimbursed for the entire coverage.

● Saving money: You pay a higher cost with a zero depreciation add-on. But it's also true that your insurer will pay you more when you file a claim. Additionally, if you get insurance from an insurer that permits limitless zero depreciation, you can save money each time you file a claim for your motorcycle.

● Abundant coverage: Every bike owner can benefit from a zero depreciation add-on cover, valid for inexperienced and seasoned drivers. This acts as additional insurance to handle any financial problems arising from any catastrophe with your bike.

● Restrictions on out-of-pocket charges: With this add-on coverage, you can limit any additional costs that an insured person would otherwise be required to pay as depreciation charges. The depreciation value will not be considered when settling your claim, though, if you already have this add-on coverage.

● Reduces mental stress: The zero depreciation add-on cover provides a second layer of protection, which gives you more peace of mind by reducing your financial stress to a large extent.

When is a zero depreciation add-on cover required?

1. If you've only just started riding:
Compared to seasoned bike riders, new riders are more likely to make mistakes that result in collisions and bumps. Therefore, a zero depreciation cover would benefit you if you have just started riding two wheels.

2. If you purchased a new bike:
Since new bikes are so expensive, you should cover them as much as possible with protection. You may aid yourself at this point and preserve your bike in excellent shape for longer by getting a decent zero depreciation cover.

3. If you drive a pricey automobile:
If you possess an expensive bike, you should purchase the zero depreciation rider. A costly motorcycle requires a lot of money for repair and maintenance. Thus, you should be reimbursed for the total cost of each repair each time.

4. If your neighbourhood is dangerous:
Some neighbourhoods are crowded or prone to accidents. Acquiring zero depreciation insurance will benefit you if you live in such a location.

Reminders regarding the zero depreciation add-on cover.

Keeping the zero depreciation add-on cover in mind will help you recall the following:

● It is offered for new bikes up to two years old

● This addition does not waive the required deductibles

● Most insurance companies permit claims with no depreciation addition twice per year

A comprehensive bike insurance policy provides additional financial security if the bike sustains damage. Furthermore, a zero depreciation add-on to comprehensive insurance strengthens and adds more security when you file a claim. The most incredible thing about this addition is that by avoiding depreciation reductions, it can raise the amount of your claim. If the zero depreciation add-on is offered when you renew the bike insurance plan, you should consider opting in.

Click HERE to buy the best bike insurance plan 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.

Over the years, there has been a significant and gradual increase in the demand for luxury goods globally. In the automotive industry, superbikes are an excellent example of the shift from only necessities to splurging on comforts and luxuries. Once considered only for racing enthusiasts, high-capacity motorcycles with an engine capacity of over 150cc are now being used for recreational purposes and commuting.

However, the recent cases of rejected claims by motor insurance companies for accidents involving superbikes have raised concerns over the technicalities of insurance contracts and their effectiveness in shouldering financial losses.

Read on to find out about one such case, the aftermath, and some tips to ensure that your policy covers all such damages if your bike has a high engine capacity.

Case study:
This claim settlement case involved a bike with an engine capacity of over 340cc, which faced an accident, resulting in the rider's demise. The motor insurance company denied the claim since the bike insurance policy included a clause that stated that it should not cover personal accident claims involving bikes or scooters with over 150cc engines.
While the claim was initially denied, the motor insurance company later released the sum to the insured's family and clarified the issue. The insured was covered under an outdated policy that they had since updated to include personal accident cover.

This brings us to our question, is a high-engine capacity bike not covered under bike insurance?
While the case in question may make you believe that superbikes are not included under the provisions of bike insurance policies, it is not the case! The legal requirements of an insurance contract are constantly tweaked to provide maximum benefit to the insured while ensuring that the motor insurance company is aware of all the facts regarding its client to ensure that no insurance fraud occurs. While the old insurance clause excludes personal accident covers, potential policy buyers should read the fine print of their insurance documents to ensure that they are provided with the most recent version of the insurance policy that maximises inclusions.

General engine capacity and usage inclusions as per the old rule:
The old rule prevents the insured from lodging personal accident claims for motorcycles with an engine capacity greater than 150cc. Generally, 2-wheelers with an engine capacity of less than 150cc are used for commuting purposes only. They are, therefore, less risky and more profitable for the insurer since accidents are relatively fewer when compared to bikes with high engine capacity. High cc bikes are expensive, have lower mileage, higher premiums, and have less fuel efficiency.

Tips to ensure that all relevant damages are included in your policy.

As a prudent mechanism, insurance protects the insured in most cases as long as the circumstances are not stated as exclusions from the policy.

1. Read the fine print:It may seem tedious to go through the minute details of your insurance, but it is the safest way to ensure that your motor insurance company is providing you with the latest version of the policy with the most inclusions.

2. Consider purchasing an add-on: Despite close inspection, if specific clauses restrict the scope of potential claims, it is advisable to buy add-on facilities such as zero depreciation cover to keep your expensive possession safe.

3. Compare your alternatives: Before committing to an insurance provider, it is highly advised to compare the existing options and choose a plan with the most inclusions and justified premium with a high claim settlement rate.

4. Renew your policy on time: Delayed renewals and outdated coverage plans are significant issues that potential policy buyers must avoid.

Bikes with higher cubic capacity deliver a powerful performance, making it a worthwhile investment for motorcycle and speed enthusiasts to get their adrenaline rush. Since their cost and insurance premium is more significant than lower cc engine bikes, it is necessary to check the specifications your motor insurance company provides thoroughly. Read all the terms and conditions before making a final decision.

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

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

Public liability insurance shields policyholders from lawsuits brought by third parties for their injuries, damaged property, or other damages due to the insured's negligence. Many people, particularly owners of small businesses, are still determining whether getting public liability insurance is required. We'll look into the answer to that question in this blog post.

General liability insurance may, however, be mandated by law as part of the licensing or registration requirements for specific businesses or professions. Let's dive deeper and understand why purchasing public liability insurance would be better for you.

Reason 1:
It is strongly advised that you consider getting public liability insurance even if your profession or industry does not mandate it. This is because accidents can occur at any time and can be highly expensive to handle. For instance, you can be responsible for paying a customer's medical bills, lost earnings, and other damages if they slip and fall on your property. You would have to cover these expenses out of your pocket if you didn't have public liability insurance, which might be extremely expensive.

Reason 2:
Public liability insurance helps shield your and your brand's reputation. If a client or a public member is hurt or loses something due to your company's negligence, it could hurt your reputation and generate bad press. By having public liability insurance, you can show your clients that you care about their security and well-being and that you have the resources necessary to cope with any mishaps that might happen.

What should be considered while purchasing public liability insurance?

1. The amount of coverage you require should be carefully considered before buying public liability insurance. The level of risk involved and the kind and size of your organisation will determine how much coverage is necessary. For instance, a tiny home-based firm would need essential protection. In contrast, a larger company with many employees and risky operations might need higher security.

2. To make sure you know what is and isn't covered, it is also crucial to carefully read the terms and conditions of your public liability insurance policy. Before acquiring insurance, it's critical to be informed of any exclusions or coverage restrictions that might apply. Although you will depend on the insurance provider to cover any potential claims, ensuring they have a solid reputation and sound financial position is also crucial. Therefore, when buying public liability insurance, it's vital to carefully examine the degree of protection you require, review the policy's terms and conditions, and select a reputed and financially sound insurance provider.

3. Cost should be considered when selecting public liability insurance. The price of public liability insurance will change depending on the level of protection needed, the size and type of your business, and the insurance provider you select. Even if cost is a crucial element, it shouldn't be the only factor you consider. In addition to the protection, comparing the insurance cost to the possible costs of a claim or litigation is crucial.

In conclusion, even though many businesses do not think about acquiring public liability insurance, it is strongly advised that you consider doing so. Accidents can occur at any time, and if you don't have public liability insurance, you may be responsible for significant losses and costs.

Also, by acquiring public liability insurance India, you can show your clients that you care about their security and well-being and that you have the necessary resources to cope with any mishaps that may happen. Therefore, explore your options and purchase the best public liability insurance, which would cater to your organisation's and your client's needs in the best way and add the layer of security as required.

Click HERE to learn more about the benefits of purchasing public liability 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.

We have seen cars with various types of number plates. Usually, the number plates of vehicles include the vehicle's registration and the state in which it was registered. There are VIP number plates too, which have digits in a unique combination and cost much more than the regular number plates.

In this blog, let's decode the BH series number plates that have been quite talked about recently in India.

1. What are BH series number plates?
In layman's terms, a car with a BH series number plate will not have to get a new registration card upon moving to a new state. These BH or Bharat series number plates were brought into execution in 2021 by the central government of India. It allows the vehicle owners of non-cargo automobiles to shift from one state to another without worrying about getting a new registration for their cars, two-wheelers, etc.

2. How are these BH series number plates useful?
The BH or Bharat series number plates have proven helpful for people in the government sector who frequently have transferable jobs, for people in the defence sector, or the private sector who regularly have to change their location to cater to the demand of their work and the companies they are employed in. These number plates allow them to avoid the hassle of exhausting themselves by running to the RTOs (Regional Transport Office) and getting a new registration for their non-cargo four-wheelers and two-wheelers.

3. Some information about number plates is essential.
The regular registration of a non-cargo vehicle involves limiting it to one state. The initial two letters of the number plates denote the state the car was registered in. For example, GJ for Gujarat, BR for Bihar, TN for Tamil Nadu, DL for Delhi, MH for Maharashtra, etc. The two digits next to the letters depict the district of the state of registration.
However, for regular registration, when a vehicle is shifted from one state in India to another, it is permitted to use its old registration and number plate for up to twelve months. After this period of one year, the vehicle needs to get a new registration at the RTO of that particular location. This new registration includes a NOC certificate, additional charges, and taxes, which will be informed upon your visit and consultation. The vehicle owner will be fined according to the costs of the new state if they fail to complete this process in time.
However, the registration process for BH series number plates began on the 15th of September 2021, and is entirely digital. Therefore, all your application work has to be done online. This avoids the struggle of commuting to the assigned government office and getting in line for your work to be completed.
A BH or Bharat series number plate will look something like this:
XY BH $$$$ XX
XY is the registration year, BH is the Bharat series code, $$$$ is the registration number of the vehicle (ranges from 0000 to 9999), and XX are alphabets from AA to ZZ indicating the category of the car.

The introduction of BH or Bharat series number plates provides a huge relief against this tiring and lengthy process for the people who have to move their families and house setup from one state to another quite often.

We hope this blog gives you insights into something new that benefits you or clarifies the BH series number plates. And while we are on the subject of cars, you must already be aware of the necessity of getting car insurance to safeguard your car during unfortunate circumstances which might lead to hefty damages. To choose which car insurance to buy, one of the most critical factors is to look at the standard car insurance price in India and compare different plans and their coverages accordingly.

Click HERE to learn more about the average car insurance price in India and which insurance would be beneficial for you.

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.

Cleaning a driving test to obtain a two wheeler licence seems complicated, and the application procedure for a rider’s permit often dissuades many people from learning how to drive a two-wheeler. Balancing, control, awareness, and judgement are parameters evaluated during the practical assessment.

One of the most commonly feared parts of the test is manoeuvring the 8-track. It is the perfect test of all the criteria mentioned and requires excellent balance and coordination. Additionally, steering ability and break application are also checked in the test.

If making an 8-curve on your two-wheeler intimidates you, here are some simplified steps to ensure perfect results each time!

1. Pre-ride check:
Before starting, ensure your two-wheeler is fuelled and has appropriately functioning brakes and indicators. It is also necessary to practise with your helmet on to prepare yourself for the actual test, where it is compulsory to ride with your helmet on. Before starting, we recommend warming up by doing short laps in an open area to ensure you are correctly seated and find the right balance.

2. Initial right curve:
Usually, making an 8 begins by taking a right turn to form a quarter of the 8. You do not need to use the indicators in this section, so just focus on steering. Ride slowly up the arc and proceed towards the mid-point by following the lane markings to aid proper steering.

3. Prevent understeering:
The second quarter or the arc of the 8 can be easily manoeuvred by ensuring you do not understeer. Understeering occurs when the handlebar is turned at an angle less than the desired angle. Again, follow the markings to get a better judgement of the angle of steering. Maintain your momentum and balance while making the turn.

4. Reverse S-shaped curve:
After crossing one-half of the track, instead of sticking to the inner edge, slowly shift to the outer boundary of the curve to complete the reverse S arc. You might steer at a wider angle than required at this stage, resulting in your bike crossing the track boundary. This causes a failure in the test. So, be careful and ensure you have a strong grip on the handlebar.

5. Final curve before exiting:
The final curve is the easiest since it requires central positioning and basic balance before exiting the track by turning on your left indicator.

All you need to do is ensure coordination between the clutch, gear shifting, and accelerator while completing the 8-track. Remove the fear from your head, and understand that it is all about balance! Take a deep breath and get through.

Additional tips to make manoeuvring effortless.

For a rider with experience, the steps mentioned above may seem excessively detailed, but a beginner may require additional inputs to follow the same. Keeping these in mind can help prevent mistakes and make it easier to steer through continuous curves.
● Shift your weight slightly as you steer your bike to maintain your balance
● Do not go extremely slow, as it makes balancing difficult
● Ensure that you do not shift your handlebar to either end
● Keep your body relaxed and elbows at right angles to distribute weight evenly.

Beginners often question the need to learn how to make an 8-curve on their two-wheelers perfectly. Although such opportunities are rarely faced on the roads, they prepare one for sharp turns, immediate application of indicators, balance, and coordinated judgements. These skills are fundamental requirements of a good rider and prepare one for all terrains and roads. Before you begin practising your figure 8 manoeuvre skills, consider purchasing two wheeler insurance India which covers any accidents and allied costs you may face.

Click HERE to buy the best two wheeler 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.

We all follow different sleeping patterns and habits. Some people like to sleep more, while some tend to avoid sleeping at all. Many fall asleep the moment their head hits the pillow, whereas others struggle to get any sleep throughout the night.

Inconsistent sleeping patterns can be hazardous to health. It disintegrates the whole sleep cycle and leads to various health problems. Sleeping too little or too much can be problematic in their ways. But how is oversleeping a bad habit? How can it affect your health negatively?

There are several reasons why oversleeping is bad for your health and can lead to severe problems. These problems can affect your health adversely. You must always have a health insurance policy handy to deal with unexpected medical expenses. Also, ensure that you take care of your health insurance policy renewal to enjoy the seamless benefits without interruptions.

Let's look at various things related to oversleeping.

How much sleep is adequate?

The amount of sleep you should get throughout the day varies for different people. If you're unwell or tired, you will require more sleep. If you are young, you're likely to fall asleep faster due to increased physical activity.

It is recommended to get over 7-9 hours of sleep at night. Any sleep above this can result in oversleeping. The various ill effects of oversleeping are mentioned below.

● Diabetes:
If you sleep more than the designated time at night, you are likely to be on the verge of developing diabetes. Oversleeping puts one at risk of a spike in sugar content in the body. Even not sleeping enough can lead to the same problems.

● Back pains:
Research has shown that oversleeping can be one of the causes of back pain due to disoriented sleep positions for long hours. It is recommended to perform certain exercises to help you deal with such back pain and, most importantly, avoid oversleeping.

● Obesity:
Oversleeping can cause weight gain drastically. If you sleep more than 9-10 hours, you'll likely develop obesity over five to six years. The reason is that your body goes into relaxation mode while sleeping. Lack of physical activity reduces the BMR, impacts digestion, and results in fat accumulation.

● Depression:
Not just physical ailments, but oversleeping can also lead to mental health issues. People who sleep more than usual are likely depressed. While oversleeping, one decreases their chance of recovering from depression.

● Headaches:
If you're prone to headaches and migraines, oversleeping can worsen it. Whenever one sleeps more during the weekends, it can disrupt their sleep cycle. Irregular sleep patterns can lead to persistent headaches. This is because it fidgets with the neurotransmitters like serotonin in the brain.

● Heart disease:
A lot of research has been conducted to validate that oversleeping can lead to increased heart disease. It puts you at risk of developing cardiovascular disease due to a sedentary lifestyle and lethargy. Oversleeping causes obesity which in turn puts pressure on the heart.

● Impaired fertility:
Women who oversleep can find it difficult to conceive. It is also the same for women who sleep less than the given time. It can affect their cycle badly and disrupt the hormone levels in the body.

● Death risk:
It is alarming to note that oversleeping can lead to an increased risk of death. It can also be directly linked to the risk of developing a stroke.

Everyone should sleep only 7-8 hours throughout the day. It is best to avoid napping during the day to sleep better at night. One should also maintain a good diet and exercise to keep themselves fit and energised. Prioritise your health, practise mindfulness, develop a sound sleep routine, and invest in health insurance to keep away your worries. You should also complete your health policy renewal on time to avoid problems later.

Click HERE to get your health insurance policy renewal done.

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.

People with insomnia do not get enough sleep, and most of the days do not wake up feeling refreshed. The cause of sleep deprivation varies among individuals. Sleep deprivation is associated with various issues like weariness, difficulties focusing, mood fluctuations, and poor job performance. However, most cases of insomnia are caused by stress, an unpleasant experience, or abnormalities in the sleep cycle. Severe insomnia can only be cured via treatment. However, short-term insomnia is manageable.

If you have trouble falling asleep after retiring for the day, no matter how weary you are, here are some home cures you may try.

1. Yoga:
Yoga is considered a proven method to improve sleep quality and boost mental well-being. It also helps reduce stress, enhance physical performance, and increase concentration.
Remember to choose a style that emphasises moving meditation or breath work over strenuous physical motions. Slow, controlled motions help you to maintain your attention and concentration. Practicing the poses before going to bed might help you relax and unwind.

2. Meditation with awareness:
Mindfulness has been shown to improve well-being by lowering stress, building tolerance, enhancing good mood, and even strengthening immunity. It also has a positive influence on one’s sleep quality and schedule.
There are many free and commercial mindfulness videos, applications, and podcasts accessible online. People who want to experience mindfulness may decide to take a class, join a local weekly workshop, or visit a retreat.

3. Magnesium:
The magnesium generally produced in our bodies also aids in promoting a balanced sleep-wake cycle. Taking a daily magnesium supplement may help patients sleep better and for more extended periods. Consuming magnesium-rich meals, particularly in the evening, may aid in inducing better sleeping patterns.

4. Lavender oil:
For years and years, people have used this essential oil as a natural medicine to enhance sleep and produce feelings of relaxation. Lavender oil may be used as a pillow spray, patch, massage oil, or aromatic diffuser to help sleep. Lavender promotes sleep onset, healthy sleeping habits, and sleep patterns.

5. Practice sleep hygiene:

In its most basic form, sleep hygiene outlines a person’s nighttime habits and activities.

Individuals may improve their sleep hygiene by doing the following:

● Avoid computers, laptops, mobile phones, and televisions at least an hour before night

● Making the bedroom dark with muted lights, thick drapes, and blinds, or wearing earplugs and eye masks

● Avoid liquor, tobacco, and caffeinated drinks in the evening

● Maintaining a regular bedtime pattern that involves sleeping at the same time each night and waking up at the same time each morning

● Abstaining from eating large meals for dinner

● Take a hot shower or bath before going to bed

As per the studies carried out, insomnia is a frequent disorder with up to one-third of individuals suffering from it at some age. There are numerous cures and practices that a person who has insomnia might attempt to enhance their sleep. However, these home remedies will only work for people with minor insomnia.

We recommend consulting with a doctor for anyone going through chronic insomnia. Also, almost every health insurance covers the medical treatment for this disorder. Remember to get your health insurance policy renewal on time to avoid the last-minute hassle and avoid the lapsing of your current plan.

Click HERE to get a health insurance policy renewal.

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

Insurance policies, including non-general and general insurance plans, have gained popularity among Indians. While the increased penetration rate is a welcome change, protecting policyholders against potential fraud becomes essential. Insurance companies are taking adequate measures to spread awareness and educate potential policy buyers about possible crimes that involve fake policies, fraudulent insurance agents, mis-sold policies, etc.

This blog informs you about insurance traps you might be prone to and helps you elude them.

1. False alerts: reviving expired policies –
One of the many ways scammers trap innocent people is by calling them about policies that lapsed a while back due to payment failure. These dormant policies are then illegally accessed by telemarketers, who call up policyholders, informing them of good news. According to them, policyholders can now get a bonus on their policy, but you can only access it with a fee. They may also try to sell new policies. You can easily avoid this trap by being vigilant and reading the fine print of your policy.
To prevent scams and fraud, IRDAI is also regulating the insurance sector by digitalising it. An e-Insurance Account is a digital portfolio of all your non-general and general insurance plans, which helps keep track of policy tenures, switch, or buy policies at a single click without any hassle.

2. A guaranteed return providing investment sans market volatility –
The lack of financial literacy is mainly to blame for this misconception. As the uninformed public continues to hear of the short-term successes of a small section of well-informed investors who do due diligence before making their financial decisions, they crave similar results without putting in as much effort.
Taking advantage of the situation, insurance agents often pitch general insurance plans as alternatives to conservative investments like a fixed deposit and promise high returns. While the money put towards any insurance policy is a better investment than letting it sit idle, such claims are not backed by proof and must be avoided.

3. Getting pitched insurance policies as a tax-saving investment –
Tax planning is usually seen as a dreadful task that most individuals undertake only when essential. Therefore, some folks jump at it when the most effective sales pitch comes in, saying that an additional insurance policy would give you tax cuts (because of 80C) and would be a suitable investment. The tax-saving months before March are when these fraudulent pitches are made, and people need to determine whether the investment is necessary in the first place.

As the insurance sector evolves, insurers must make policyholders aware of the role of general insurance plans as a protective cover rather than a mode of investment to minimise your tax burden.

Your overall financial and tax planning for the following period should be done at the beginning of the current financial year. It is crucial to consider all factors, including your current investments, non-general and general insurance plans you might have taken, your kid’s school fees, and other expenses. Start early, and you won’t be in a hurry to reach the deadline, so you can read the fine print on all the documents and do apt research before signing on anything.

Click HERE to learn more about general 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.

A car has the capacity for durable and comfortable rides, ensures safety, and is a significant investment. All this has given cars an upper hand over all the other vehicles.

Although buying a car can be easy if you have enough money, it is not always the only thing. With a car, there are a ton of other responsibilities. One is getting your vehicle covered and ensuring the car insurance renewal is done on time.

There are multiple options available for car insurance online and offline. This can leave you to require more clarifications. One such option lies in the comprehensive car insurance that covers almost every damage that might trouble your car. From man-made problems to natural disasters, you'll get compensation for all the damages. However, this insurance might cost you more money than usual. Is it worth to have comprehensive car insurance, or is it just exhaustive? Let's find out!

What is comprehensive car insurance?

Comprehensive car insurance is not mandatory insurance by law, but most people prefer to buy it. It is because it comes with many benefits that set it apart from the other options.

Comprehensive car insurance will cover own damage (OD) as well as third-party damages. It covers all damages due to natural calamities, accidents, theft, man-made issues, and even fire. Natural calamities like floods, cyclones, and earthquakes are covered. Acts like vandalism and riots are listed under man-made issues.

What are the benefits of comprehensive car insurance in India?

1. Complete coverage:
This insurance type is the only one that offers complete coverage to a car, including its total or partial loss due to own damage and third-party damages. It also compensates for the death or disability of the owner-driver, third party, or property damage.

2. Best returns on investment:
Comprehensive insurance eliminates the need to buy separate policies to cover own damage and third-party damages. All the benefits can be obtained from a single policy, including the personal accident cover. This helps in saving money and offers the best ROI.

3. Liberty to add optional covers:
You can purchase additional covers like zero-depreciation, no-claim bonus, tyre protection, engine protection, breakdown assistance cover, etc. This makes your base policy stronger.

4. Cashless benefits:
Yes! You may enjoy cashless benefits while claiming your comprehensive car insurance when you get your car repaired or serviced in a network garage. You don't have to pay even a single penny for the damages!

You may have understood what comprehensive car insurance is all about. But, did you imagine to whom this insurance type would benefit the most?

1. The city drivers:
Cities signify constant traffic jams, chaos on roads, and persistent risks of accidents due to overcrowded roads and indiscipline traffic situations. Metropolitan residents must buy this policy to provide all-round protection to their cars.

2. The adventurers:
If you love to plan road trips and explore places frequently, this insurance can do wonders for you during emergencies with its road assistance cover.

3. New owners:
If you have bought a new car, the first step should be buying comprehensive coverage to improve the longevity of your new asset.

4. Premium and luxury car owners:
If you own premium and expensive car, having this insurance in your investment portfolio can be fruitful.

5. Obsessed with your car:
Even a small dent or scratch on the car panics you. Then you must opt for comprehensive coverage to calm your nerves and stay stress-free regarding compensation for any damage to your car.

You should keep various pointers in mind while buying comprehensive car insurance in India. Owning an asset is a crucial responsibility and ensuring its safety is paramount. Comprehensive car insurance has seamless benefits that make it a reliable investment option and less exhaustive compared to its counterparts. Regardless of the policy you buy, get the car insurance renewal done on time to avoid your policy from lapsing.

Click HERE to get your car insurance renewal done on time.

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 all heard the famous proverb, "a sound mind lives in a sound body". Both are integral parts that should be taken care of to lead a healthy life. In this blog, we will discuss some methods to sharpen your brain and polish your cognitive skills.

You can call your brain the control centre of your system since it processes all you see, hear, touch and think. Your brain perceives different sensations, sounds, images, etc., and conveys the signal to your whole body, signalling it to respond accordingly. Incredibly, this process happens within a matter of seconds.

It is crucial to take extra care of your brain's health and mental wellbeing. Dietary and lifestyle changes help combat cognitive-related issues such as mental health problems, anxiety and depression and help in enhancing creativity.

Here's how you can sharpen your cognitive abilities.

1. Relieve stress:
Develop a habit of taking walks daily and breathing in the fresh air. Other relaxing activities can include getting a massage, reading, meditation, etc. These activities help release the tension and stress from your body and lower your cortisol levels which tend to affect the memory sections of your brain.

2. Sleep well:
Sleeping at least eight hours a day is crucial to maintaining a sound mind. Quality sleep helps your mind commit things to memory and improve your brain's retention capacity.

3. Play:
Include games like crossword, sudoku, and puzzles in your daily schedule. These games intensify the usage of brain functions, thus helping in improving your reasoning and retention abilities.

4. Doodling:
Recent research has proven that doodling and colouring activate your brain's reasoning and problem-solving region. These activities enhance the blood supply to the prefrontal cortex and strengthen your mind's analytical and attention capabilities.

5. Dark chocolate:
Dark chocolate has been proven good for your physical and mental health. Studies have found that it contains flavanol, a substance that boosts your brain's memory retention, functioning, and processing abilities.

6. Reduce sugar consumption:
Consumption of carbohydrates and a sugar-rich diet can slow down your brain as your body takes time and energy to break down these substances. Consuming too much sugar also leads to depression and heart diseases, thus risking your physical and mental health.

7. Exercise:
Research has shown that lifting weights help in improving cognitive abilities. People who lift weights tend to increase their spatial memory. It helps in memorising the environments one is in at any given moment. Spatial memory enables you to remember layouts of a room or how you arrange things in your space. People who achieve their physical goals by walking strengthen their verbal memory.

These are some techniques that can help improve your cognitive skills. Apart from the above tips, you may even practise mindfulness by indulging yourself in daily yoga and meditation sessions. Yoga and meditation These healthy practices can keep your brain active and impact your productivity.

A wise option would be to protect your and your loved ones' health against unprecedented circumstances. To stay monetarily stress-free in health emergencies, explore multiple options and purchase the best health insurance policy in India.

Click HERE to know more about how you can buy 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.

Helmets are protective headgear that can save your life in case you fall from a running two-wheeler or collide with another vehicle. Also, wearing a helmet while riding a two-wheeler is compulsory under Section 129 of the Motor Vehicles Act, 1988.

Imagine if a helmet can detect drunk driving, location tracking, navigation, a hands-free device, and several other functions other than just protecting your head during a ride. Yes, this is all possible with the advent of intelligent helmets.

This article tells how smart helmets are set to change your riding experience.

1. Detecting a helmet:
Many two-wheeler riders do not wear a helmet intentionally. Also, some may forget to wear it while leaving home or the office. This can be dangerous to their lives in case they meet with an accident on their way. Smart helmets are equipped with Force Sensing Sensor (FSR) that detects whether the rider is wearing a helmet. It senses actual human touch. If it does not detect it, you will not be able to turn on the ignition of your two-wheeler.

2. Alcohol sensor:
Smart helmets can also be fitted with a gas sensor that can identify the alcohol content from your breath. It can be placed right in front of your mouth, detect if you are drunk, and prevent your vehicle from starting. This can be very helpful in avoiding an accident due to drunken driving.

3. Accident detection:
Smart helmets can detect accidents and alert a phone number by sending a message. It makes use of accelerometers and vibration sensors for this purpose. A free-fall sensing unit can detect when the two-wheeler falls freely and is not in control. Similarly, a vibration sensor senses signals and pressure and sends a message to the registered mobile number. This can be life-saving in times of an accident as the receiver of the message can instantly rush to the accident spot or alert friends, police, and an ambulance to reach the spot.

4. Over-speeding and rash driving alert:
Smart helmets can also alert you if you are riding above the speed limit fed into it or are driving rashly. Such alerts warn you to reduce your speed and drive carefully.

5. Bluetooth connectivity:
Smart helmets can be connected to your bike and mobile phone via Bluetooth. This can allow you to make calls or answer them safely while riding your two-wheeler.

6. Navigation, location tracking, and recording:
Smart helmets come equipped with a GPS device that can accurately tell the rider’s location. This can be useful in times of emergency or theft of your two-wheeler. Also, they can help in navigation while you are riding your two-wheeler.

You can also install hi-tech cameras on your smart helmets. They can record and store all the details of your rides, such as speed, distance covered, time taken, etc. This can be very helpful for bikers and racers.

Smart helmets are a world in itself, with numerous options for adding or removing applications and additional devices per rider needs. They can completely change how you have been riding your two-wheelers. They help to make your rides much safer and technologically advanced than a regular conventional helmet.

Why just rely upon a smart helmet to alert and protect you in case of an accident? Choose from a wide variety of 2 wheeler insurance online after comparing them thoroughly. Protect yourself from any sort of financial losses that you may suffer due to an accident or theft of your two-wheeler.

Click HERE to buy 2 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Click HERE to buy bike insurance online.

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

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

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

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

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

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

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

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

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

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

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

Find the best car insurance India for your vehicle HERE .

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Click HERE to learn more about the benefits of buying the best personal accident insurance India.

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