GENERAL INSURANCE BLOG

Since the onset of the pandemic, there's nothing that we've been waiting for like a vacation. A quick getaway to relieve the stress induced by hectic schedules and some time to enjoy being outdoors with family is all that people have been looking forward to. Now that the mandates are relaxed, it is the perfect time to take your family on a beach trip!

There's no better way to take a beach trip than going by car. Long drives, beautiful sceneries accompanied by great music, and memorable conversations are the ideal start for a perfect beach trip. However, there are several factors that you need to ensure before taking out your car on a beach trip. Maintenance and servicing of the car are crucial to prepare it for such long-distance trips.

You must also ensure that you have a car insurance policy. Now, why is that important? It is essential for safeguarding your vehicle from uninvited events and putting less pressure on your pockets on account of repair and maintenance. The best way to buy car insurance is by purchasing online. You can find the best car insurance price in India and compare policies to find the best-suited policy for your car.

Once your car is insured, you can follow the tips stated below to ensure your vehicle is ready for the beach trip.

1. Sun protection:
Humans are not the only ones that suffer under high heat. If you're planning to take a beach trip in your car, your car is bound to be outdoors for long hours. In such cases, it is likely to heat up and be suffocating for the passengers. Use sun shields and UV protective window tints on windows and cover seats and the steering wheel with thick clothes to keep them covered from the heat.

2. Pack efficiently:
Use duffel bags instead of suitcases. This helps in making efficient use of storage space in the trunk. Do not overpack and bring extra bags that may be required to be kept in the passengers' seats. When stacked too high on each other, they may obstruct the driver's vision of the rear traffic.

3. Beach-proof your car:
While you cannot minimise or eliminate the heat or sand at the beach, you can take preventive measures to deal effectively with them. Waxing the car body is a way to keep it cool and prevent it from overheating. It also prevents any flying sand from sticking to the car. You can also gloss your tyres to protect them from the heat.

4. Be prepared for emergencies:
Travelling while the temperature is high usually puts your car at risk of punctures or problems related to overheating. In such cases, you need the right equipment to take care of the damage until you can find help. Ensure you have your tool kit, including necessary equipment like a jack, wedge, lug wrench, etc.

5. Protect your floor:
The most irritating part of going to beaches is dealing with the sand that comes home with you. You can find plastic mats or lay large beach towels on the seats, under the seats, and on the floor to prevent the sand from getting everywhere in your car. While you will need a thorough inside cleaning, it will reduce the effort required to deal with the problem.

6. Car maintenance:
While car maintenance is imperative on all occasions, it is particularly needed before taking the car on long drives. Check the essential fluids- brake, engine oil, and coolant levels. Also, check the tyre pressures, brakes, lights, fuel, and air conditioning.

At the same time, ensure that you have all the required documents in the car. This includes the PUC, insurance papers, driver's licence, and registration certificate. Ensure that you compare the car insurance price in India offered by different companies and choose a comprehensive cover. If you're planning a trip after a long time, plan it with all safety so that you are enjoying and not worrying. Stay hydrated and take care of kids while playing on the beach. Most importantly, cherish peaceful family time together and capture beautiful memories that keep you musing always!

Click HERE to know more about the car insurance price in India.

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

The startup culture has expanded its roots across the world. Today, entrepreneurship is a position every career-driven, and ambitious individual aspires to achieve at some stage. People have been more creative and technologically inclined to create new products and services which cater to the public's demands while trying to forge their name through the sands of time. But an entrepreneur's life is not all glitter.

It isn't easy to be an entrepreneur. Dealing with different moods, mindsets, and health issues, including physical and mental health, apart from the usual stresses and challenges of the startup journey, takes a considerable toll. We advise all talented minds to buy health insurance online to safeguard their health.

It is highly excruciating to keep walking the same beat and set a precedent for others to stay motivated, despite one's personal, lesser-known challenges. As a new founder, you have to battle wars on several fronts, and most of the time, you need a win to keep your and employees' morale high. But how does one take care of themselves in this arduous journey?

This blog will discuss what an entrepreneur's guide to best self-care and healthy living should be like. Let's get started.

1. Healthy eating, healthy living:
Healthy food gives your body the accessible space to digest and churns out the nutrients that would help you boost your happy hormones, keep you light on your feet and provide your body with all the nutrition.
And we all are aware of the famous saying, "a sound mind lives in a sound body." The healthier your body, the healthier your mind. And the healthier your mind functions, the more productive and focused you can be on your dreams and targets.

2. Drink that water:
Staying hydrated is one of the essential things you need to do to keep yourself on track during your entrepreneurial journey. Consuming the right amount of water at regular intervals throughout the day boosts the blood flow, keeps your skin and oral hygiene on point, benefits the movement of the joints and muscles, and regulates your kidney and bladder function. So, water is a liquid with numerous benefits. Set that water reminder, and get going!

3. The importance of mindfulness:
Being completely focused and present at the moment is not just an artsy quote. It is one of the most critical ways to sort out the chaos that is a regular part of your journey. Making mindfulness a crucial part of your life and self-reflecting can help you become more efficient and productive.
It will also aid you in freeing up space since you will be more effectively focused during your tasks and eventually have time to take care of yourself and enjoy life as it comes. Activities like meditation and deep breathing help reduce stress, inducing calmer vibes and the atmosphere within and around you.

4. Make a to-do list:
As someone setting up a business, you will not have the liberty to take frequent vacations and days off. It would be best if you showed up every day to ensure that your colleagues and employees stay on track and can learn commitment and values of integrity and creativity from you. So, to stay at the top of your game, you need to make a to-do list and segregate your
tasks and estimated hours required to complete the work required. Doing this will give you clarity, and you can make some time which you can dedicate to yourself and practice activities of mindfulness or sports or anything which takes your stress off.

Inculcating these tips in your lifestyle and practicing them will help you approach your journey efficiently and healthily. With that being said, it is essential to discuss how health is an integral part of anyone's journey, and there can be unforeseeable circumstances due to which your health can take a hit. To deal with such situations, you must stay prepared.

You need to purchase the best health insurance that caters to your needs. And to suit your comfort, you can buy health insurance online these days. After all, entrepreneurs are the frontrunners of the economy!

Click HERE to know more about how you can buy health 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.

Are you a pet lover who wants to take your pet dog out for an adventure? With pets becoming closer to hearts than ever before, it's understandable to take your puppy with you for a motorcycle ride. This idea no doubt excites all dog lovers, but can this endeavour be a safe thing to do?

Let's understand why taking your tailed friend on a bike ride cannot be a good idea even though you might feel like trying it.

1. Determining the best way to take your pup on the motorcycle:
Motorcycles are risky machines if not driven with care. Even some human beings are skittish on them; similarly, only some dogs will be comfortable on a bike. After checking with your vet about any health conditions that might be aggravated by your pup being on a bike, use all resources to learn about whether your furry friend can be on a bike or not.
Consider the personality and temperament of your dog, as well as its age. If your dog is prone to startling you by jumping at the nearby cat it saw, it is probably not a good idea to take it out on a ride.
Also, bikes were never designed to fit the purpose of pet travel. Although, several bikers find locations on the bike that seems perfect for lodging their pet dog. Understand that fuel tanks or handlebars are not the places to make your dog sit and ride with you. You might also think of attaching a side carrier, but know that sidecars or carriers are open, and what if your dog tries to escape from it midway?

2. Training it to be comfortable around and on a bike:
Most dogs are nervous around loud noises. You must have observed how your dog hides under the bed in the event of firecrackers bursting or thundering. Most motorcycles also have a startling sound that might scare your dog. Although, you can fix this by making your dog accustomed to the sounds and vibrations the bike produces. Still, even a slight discomfort or frustration during the ride can make things challenging. Your dog can get panicked and angry. This can be daunting for you to handle your dog and avoid any chaos on the road or disturb others.

3. Overloading the bike:
Bike journeys are always an adrenaline booster and a good stressbuster and travelling with your pet might elevate this to the next level. But what might seem an exciting thought might turn into a disaster due to the unpredictability of your dog's nature and the lurking possibility of an unexpected incident.
Also, you will have to plan everything your dog might require for the ride, such as its bowl, food, a leash, treats to keep it satiated, and a warm blanket in winter. Knowing that your bike can withstand a limited load and burdening it with your and your dog's essentials will impact the performance of your bike throughout the trip.

It is crucial to understand and accept that bikes are not dog-friendly machines. Building a strong bond with your pet is a nice gesture but not this way! This act can put several lives in danger.

Planning a bike trip with your pet might take a lot of effort, but you can live your passion for bike riding by frequently setting out on bike tours, either alone or with your other biker friends. But ensure that you have the safety gear and essential documents handy before planning your trip. Check out for your 2 wheeler insurance renewal or buy a new 2 wheeler insurance online if you don't have one. Making the right purchase will handcraft you a safer and more immersive riding experience!

Click HERE to know more about 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.

Body gestures are a great way to communicate and express our feelings in addition to verbal communication. They are a great confidence booster and help us succeed in negotiations and win hearts.

However, not all body gestures leave a positive impact. Sometimes, unknowingly, we may adopt body gestures that may seem inappropriate to others. They may interpret a negative impression on the people around us and even make them uncomfortable and doubtful about us. As a result, we may lose out on negotiations and contracts due to such negative body gestures.

But, how can you differentiate between positive and negative gestures? Let us have a look at a few of such body gestures that may leave a negative impact.

1. Crossing arms across the chest or behind your back:
People tend to instantly notice crossed arms across your chest, whether you are standing or sitting. It gives an impression that you are annoyed, defensive, stubborn, and not open to communication. Crossing your arms behind your back means you want to cut the communication. Sometimes it also shows your lack of confidence, anger, or nervousness. Avoid these body gestures, especially if you are in the middle of an important negotiation or a meeting.

2. Slouched shoulders:
You should avoid slumping your shoulders or such posture in public. Poor posture conveys that you are irresponsible and lack confidence. People start doubting your ability to accomplish tasks. A straight posture can do wonders in public by giving a strong statement about your personality.

3. Avoidance of eye contact:
Eyes convey messages that even verbal communication cannot. Avoiding eye contact conveys that you are not interested in talking or do not want to associate positively with the person in front of you. It shows that you are not confident and maybe being dishonest.
Also, looking down or staring at your phone while talking to someone leaves a negative impression. It conveys that you are not attentive and don’t want to be a part of the conversation. Always maintain proper eye contact while talking to anyone. It helps to build a positive connection and keeps the person in front of you engaged in the conversation by acknowledging him with constant eye contact.

4. Improper use of objects:
People tend to hold an object in their hands while talking to someone. The constant clicking of a pen or fidgeting with some object in your hand during a conversation or a meeting can be distracting and annoying. Such gestures also show your lack of confidence, anxiety, and nervousness. The best action is to keep the object down or keep holding the pen without clicking it.

5. Proper spacing:
Getting too close to the person in front of you while talking is considered intimidating and disrespectful. It may result in the person in front of you backing off or ending the conversation midway. Always maintain an arm’s length distance with the person you’re talking to, especially if you are strangers or share a formal relationship.

6. Overuse of body gestures:
Overuse of anything is bad. Similarly, if we overuse our body gestures like, excessive use of hand movements can also leave a bad impression in the minds of people around us. It can make us look anxious and clueless. Always have proper control of your body gestures and do not overuse them.

The quicker you understand what gestures are the best for you, the better you will ace your personal and professional communications. Just like how positive body gestures can give you the confidence to tackle all situations, similarly maintaining good health can keep your body energetic at all times. Our well-being significantly impacts postures and gestures.

It becomes paramount for you to ensure that your health remains in the best shape, and the ways to achieve this are a good diet, proper sleep, regular exercise, and health insurance. Health insurance, how? Well, health insurance can protect you from the finances against uninvited adversities. Buy the best health insurance in India and make your life less stressful and more confident.

Click HERE to buy the best health insurance in India.

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

While checking any insurance plan, you most likely come across terms like deductibles, premiums, adjuster, etc. If you're unfamiliar with them, you may be confused and make wrong financial decisions.

It is now a given that everyone needs to have basic knowledge of terms relevant to general insurance. If not, you will find it daunting to buy insurance or apply for one. In such a case, it is extremely easy to get tricked. You will likely fall into the trap of fraudsters who can get more money from your lack of awareness and appropriate knowledge. Not knowing things can make the job easier for them.

If you need help understanding a few commonly used insurance jargon, this article is for you. This article will walk you through the various essential terms related to insurance. Prepare to dive into the world of simplified general insurance jargon that aids in making better financial decisions and equips you to help your peers and share your knowledge!

1. Claim:
This is one of the most important terms related to insurance used in all policies, including non-general and general insurance. A claim refers to the compensation or coverage of an incurred loss. It is a request to the insurance company to compensate you in cash or in kind for the loss you have encountered. It can be filed in case of a road accident, robbery, or even a natural disaster.

2. Adjuster:
An insurance company employs an adjuster to settle various claims. They investigate, examine, and evaluate before finalising any claim. The adjuster investigates all the crucial concerns. Be it the cause of loss, insurance coverage, the value of the loss, the amount of loss, and so on. Only after the adjuster adequately investigates everything the insurance company settles the claim.

3. Peril:
As the name suggests, this refers to a potential threat or danger that puts the insured at risk. It can also put an insured item or property at risk. It can be due to any irreversible causes and out of control. For instance, theft, fire, floods, and so on.

4. Deductibles:
This refers to the money to be paid by the insured for insurance coverage before the insurance company starts paying for the insurance policy. This amount is generally deducted from the claim before it is handed over to the insured.

5. Premium:
This refers to the amount paid to the insurance company to secure you against any damages or losses. It is a variable amount that depends on many factors while buying insurance.

6. Liability coverage:
As the name suggests, it protects the insured against any claim raised towards the damages and injuries caused to third parties or property.

7. Nominee:
This refers to a person entitled to receive the insurance claim if the insured dies. The insurance company redirects the claim to the rightful nominee declared by the insured as per the terms and conditions of the policy. They are generally the dependent, your spouse, child, parents, etc.

8. Waiting period:
This is the time that a policyholder has to wait before applying for a claim. Depending on various factors, the policy's terms & conditions, it can range from a few months to a few years.

With general insurance becoming necessary to protect your highly-valued assets and your finances, everyone must understand basic insurance jargon before evaluating and comparing policies. Only when you are aware of the basic terms can you buy the best insurance for yourself! Keep yourself aligned with the advancements of the insurance sector and buy general insurance online to get better offers and attractive premiums that account for efficient coverage.

Click HERE to buy general insurance online.

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

Tyres are crucial to forming a bond between the ground and the vehicle. They bear the brunt of weather conditions such as rain, heat, snow, etc. However, taking care of your vehicle's tyres is crucial for your safety and high performance. While purchasing motor insurance India provides a safety net in case of accidents, one must always prudently pay attention to the proper maintenance of essential components.

All you have to do is thoroughly check the physical conditions of the tyres to identify the issues. This comprehensive guide will help you examine your tyre treads and offer care tips.

What are tyre treads?
Tyre treads are a collection of grooves that run around the exterior. They help maintain a good grip on the road and to maximise traction on wet roads by dispersing water out of the way. Tyre grooves are essential for vehicle performance and safety.

Why do tyre treads wear out?
A tyre is made of rubber compounds that wear down with time. These include temperature, climate, the vehicle's mechanical condition, the road surface's roughness, tyre pressure, maintenance, etc. When the tyre wears down, it reduces the tread depth, resulting in a lack of grip. Thus, worn-out impressions are unsafe for driving, and you must replace them to reduce the risk of accidents.

Why are worn-out tyre treads dangerous?
Vehicle tyres wear out over time and with regular usage, resulting in losing tyre traction. However, nothing is riskier than driving with worn-out tyres. Here are some reasons to help you understand the risk associated with worn tyres.

1. High probability of puncture
When a tyre is half worn out, it can easily be eroded and cause a puncture anytime. This is a high-risk factor, especially when running your car over sharp-edged debris. An unexpected flat tyre in the middle of a journey can cause a single-vehicle collision. As a precaution and to avoid financial worries related to accidents, always purchase motor insurance India.

2. Tyres can overheat
Worn-out tyres have minimal tread left, causing relatively more heat build-up than a tyre with a good tread depth.

3. Increased risk of tyre burst
The risk of sudden blow-out increases while driving without adequate tread depth. Insufficient treads accumulate heat due to constant friction, causing them to burst.

4. Risk of hydroplaning
Tyre treads are well-developed to prevent hydroplaning. However, half-worn grooves make water shifting from under the tyre difficult. This can result in the vehicle sliding through water and losing its traction.

Ways to check the tyre treads
Checking your vehicle's tyres can eliminate road accidents. Here are some steps to inspect your tyres:

1. Examine tread depth
Every vehicle tyre has a certain amount of tread depth after regular usage. Over time, imprints wear down to a minimum acceptable level. When you lose that depth of the tread, its stability and grip get compromised. You must ensure the tread depth is above 1.6 mm for safe driving.

2. Examine sidewall
The sidewall of the tyre is adjacent to the treads. Bend down to check the cracks and cuts at the sidewalls. Check for any bulges. They can be a sign of internal damage, and if you find any, replace your tyre immediately.

3. Examine for uneven wear
Uneven tyres can occur for various reasons, including careless driving, imbalanced wheels, problematic suspensions, etc. You can prevent uneven wear by routinely checking the tyres. Do not overlook any signs. If you feel something off while driving, visit your car's service centre or a local garage.

Besides daily car use, adverse and harsh weather conditions can degrade the tyre's quality, affecting its safety and performance. You must repair or replace your tyre immediately if you spot any issues. Remember to buy the best motor insurance India policy to shield you from damages caused to the car if it encounters any accident.

Click HERE to buy the best motor insurance India policy.

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

Health is one of the best gifts that one can have. You need to safeguard and protect your health at all times. You might always wish to avoid diseases and adapt to a healthy lifestyle. But unfortunately, you might be diagnosed with illnesses beyond your control. One such disease refers to a rare condition.

The World Health Organization (WHO) states few people suffer from this condition. It affects one person per 1000 individuals in the world. These rare diseases are usually genetic. They are mostly innate and present right from childhood.

Rare diseases can be fatal. They can get worse if the treatment is not provided on time. Usually, treating such rare diseases is expensive and possible only at limited hospitals. Having health insurance will aid you in covering all the costs. But does it cover your rare condition? To find out, read on!

Also, remember you should always renew health insurance online on time before it expires. If you do not, you can lose access to the basic facilities of your health insurance.

What are some common rare conditions? You may find it difficult to understand if your disease comes under a rare disease or not. To help you, we have listed some of the most common rare conditions. They are as follows:

● Sickle Cell Anemia

● Gaucher Disease

● Hurler Syndrome

● Cystic Fibrosis

● Maple Syrup Urine Disease

● Haemangioma

● Tyrosinemia

● Haemophilia

● Osteopetrosis

● Wolman Disease

Are rare conditions covered under health insurance in India?
Yes, many insurance companies in India do cover rare conditions. Regardless of the disease's cause, symptoms, and status, these rare conditions are covered by health insurance companies. The treatment expenses are thoroughly covered under the insurance policies. The right policy will provide you compensation for all the medical expenses. Be it surgery costs, medicines, diagnostic tests, hospitalisation fees, therapy, and post-surgery care, among others. It also covers daycare treatments if they are valid.

However, all this can be done only if you apply and opt for the best insurance policy for yourself. They should cover all the costs. It generally depends upon your budget. Mostly these insurance covers come with a high premium to make up for the costs.

The coverage of rare health conditions can vary from one insurance company to another. You must thoroughly check the list of rare conditions before signing up for any of this insurance. Visit the websites of different companies and check for online reviews before buying. You should also check the premium before investing.

What is the waiting period for health insurance coverage for rare conditions?
Generally, you need to wait for at least 30 days for any health insurance plan to provide adequate coverage. But the scenario is completely different in terms of rare conditions. You may need to wait at least 2 years to get the benefits of the health insurance you have opted for. It is because the coverage is mostly larger than other insurance. This also means the insurance will be renewed twice before you get any compensation. You should renew health insurance online and prepare in advance to get the compensation.

You must develop a habit of getting regular full-body check-ups to detect any abnormalities in advance. Do not ignore persistent symptoms. Consult your doctor if you feel sick. Dealing with a rare condition is already tough. Without proper health insurance, the battle can be extremely difficult. You should opt for the most suitable insurance to get adequate benefits when required. This way, you can avoid financial stress and focus on your health, treatment, and recovery.

Click HERE to renew health 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 tyres and wheels of your car are one of the most used external parts. They sometimes outperform their original capacity resulting in wear and tear due to rough surfaces. If left unnoticed, this can risk the safety of the passengers. So, you must ensure that your tyres are up to the standards as per the regulations set by the manufacturer, the road safety department, and the respective car company.

But what happens if you are facing issues with just one wheel? Do you have to go through the process of replacing all your wheels with new ones? What factors should you be watchful about, and how can you procure used wheels? Don't worry. At the end of this blog, you will know if it is worth buying used wheels or not. So, let's get started.

1. Why do we think it can be worth buying used wheels:
Purchasing used wheels is a good option if your four-wheelers have damaged wheels. This is a significantly cheaper and temporary option than buying a new set of wheels. You can comfortably use those used wheels without burning a hole in your pocket.

2. Understanding the quality of used wheels:
It would be best if you examined the used wheels closely. Be aware of all the cracks, dents, bends, or if any parts and pieces are missing. Surficial damages which are not causing any defects internally can be ignored. There might be issues with the structure of the wheels and rims, which can risk a puncture or blowout on uneven roads and at high speeds.
You can go to a junkyard where they sell used parts. But if you want to avoid the hassle and get quality used wheels and other components, visit an auto parts store that can provide you with top-quality used wheels.

3. Examining the used wheels for damages and defects:
A thorough visual examination is one of the best ways to determine the quality of the used wheels. The second solution is to take a test drive with those wheels. But there are situations where you might not be able to take a test drive, miss out on certain damages, or fail to understand the gravity of what might seem to be surficial damages. You should know other ways to inspect those used wheels in such cases.
If the wheel's outer rim has visible cracks, bends, or dents, it is more likely to get damaged, which might eventually cause a flat tyre. Examine the wheel for corrosion, rust, chipped paint, etc. Used wheels with improper or defective bolt holes should be immediately rejected. Test the wheel by rolling them on an even surface and avoid using them if you see any wobble, misaligned or sideways movement. This usually happens when the wheel is bent but could be difficult to notice during a visual examination.

4. Check the material:
Steel works quite well but affects the car's speed and acceleration since the material is heavy. People often use alloy rims as they are considered a good combination. It upgrades the look of your vehicle to give it a more sporty vibe, gives you a better driving experience, and eventually, helps you save fuel and money. You need to check the tyres' material and immediately reject used wheels with slight damage, corrosion, or rust.

Now you know if it is worth buying used wheels or not. And while we are considering wheels and their alternatives, a sudden accident or ending up in unfortunate circumstances can cause severe damage to your car. Getting those defects fixed can cause a substantial financial burden in times of distress. You need to purchase car insurance which would help you cover the massive costs of fixing and repairing in complex cases. You must explore all your options and buy reliable car insurance India with a reasonable premium and the best benefits.

Click HERE to learn more about the benefits of car insurance India.

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