GENERAL INSURANCE BLOG

It is always necessary to change the engine oil timely to improve the performance and sustain the long life of your bike. However, many people ignore the importance of quality engine oil, which severely damages the engine and the bike's overall performance. Therefore, in this post, we'll discuss when you should change your bike's engine oil and why it is required to keep it in ideal condition.

When it is time to change the oil
To know when to change the bike's oil, you have many indicators that you need to keep an eye on. Your bike gives you several alerts indicating issues with the engine due to low oil levels or the need for replacement. You might hear weird sounds when giving ignition or revving your bike. Low oil level or poor quality oil can severely damage the engine and leave you to bear a massive repair and maintenance cost.

Below are some signs that will help you change the oil on time.

1. Read the manual
It might be possible that every bike has a different requirement when dealing with the engine. Read the bike manual to understand the guidelines and specific requirements for your bike. You can also learn about engine type, driving conditions, climate, etc.

2. Oil level
Check the oil level in your bike with the help of a dipstick. If you find the oil below the given level, you should look to change the oil.

3. Oil colour
You'll find a clear orange colour. As time passes and you use the bike regularly, the oil turns black due to impurities, wastes, and remains. When you find the oil dirty and get a foul smell, it is time to change it.

4. Engine performance
When you don't change the oil, you can't expect the desired performance from your bike. It is the case when your bike's oil turns black, and you should change it at the earliest. If left unchanged, you'll keep getting sluggish acceleration, reduced fuel economy, and poor performance.

5. Mileage
Generally, manufacturers suggest a rider to change the oil every 3,000–5,000 km. Changing the oil is always advisable when you cover this distance on your bike.

6. Unusual engine clatters
Untimely oil replacement might increase friction and wear on engine parts, leading to unexpected noises. So, if you hear any noise or clashes, you must change the oil. On the other hand, if you use your bike for high-performance racing, off-road biking, or long trips, you should always look to change the oil timely. These tours can strain your bike's engine and cause its performance to go down.

Points you must be aware of about the oil change
● Synthetic oils perform longer instead of the normal engine oils. You get better mileage and performance from your bike's engine. Also, thoroughly read the user manual to get clarity on oil changing.
● Regularly keep checking the oil level with a dipstick. Look at the colour and density of the oil.
● Visit the local garage and inspect your bike's engine for an oil change.
● Always use the best quality engine oil recommended by the bike manufacturer to avoid harming the engine and its parts.

It is evident to regularly monitor your bike's engine oil to enjoy a smooth riding experience and ensure the engine's longevity. Along with checking the engine oil's quality, you must also look for reliable bike insurance. Accidents can occur at any point. Therefore, you must protect your asset with comprehensive coverage. So, insurance and a timely oil change are two basic requirements that must be fulfilled on time for a stress-free and enjoyable riding experience.

Click HERE to buy reliable bike 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 protecting your vehicle, having a motor insurance is a legal requirement in most countries, including India. However, many vehicle owners mistakenly believe that motor insurance is enough to cover all kinds of damages, including those caused by fire. Unfortunately, this is not the case. Fire accidents can cause significant damage to your vehicle, leaving you with a hefty repair bill. This is where fire insurance comes to your protection. Fire insurance is a type of insurance that covers damages caused by fire, including damages to your vehicle.

This blog will discuss the types of damages fire insurance covers, the cost of fire insurance, and how to obtain fire insurance for your vehicle.

1. Motor insurance does not cover fire damage
While motor insurance covers damages caused by accidents, theft, and natural calamities, it does not cover damage caused by fire. If your vehicle catches fire, you cannot claim any compensation from your motor insurance policy. On the other hand, fire insurance is specifically designed to cover damages caused by fire.

2. Fire accidents are common in India
India witnesses a high number of accidental and intentional incidences of fire annually. Fire can spread quickly and cause significant damage to your vehicle in minutes. Having fire insurance for your vehicle will protect you against the financial impact of such accidents.

3. Fire insurance covers the cost of repair or replacement
If your vehicle is damaged by fire, fire insurance will cover the cost of repair or replacement, depending on the extent of the damage. This means you will not have to bear the entire cost of repairing or replacing your vehicle's parts, which can be a significant financial burden.

4. Fire insurance is affordable
Contrary to popular belief, fire insurance is not expensive. The cost of fire insurance for your vehicle will depend on various factors, such as the age, make, and model of your vehicle, as well as the extent of coverage you choose. However, fire insurance is a small price compared to the potential cost of repairing or replacing your vehicle after a fire accident.

5. Fire insurance provides peace of mind
Having fire insurance for your vehicle provides peace of mind, knowing you are protected against the financial impact of fire accidents. This is especially important if you rely on your vehicle for your livelihood or have invested significant money in purchasing or modifying your vehicle.

6. Fire insurance covers damages caused by riots
In a situation of riots and civil disturbances, vehicles are often targeted and damaged by fire. Fire insurance covers damages caused by such incidents, providing financial protection to your vehicle.

7. Fire insurance covers damages caused by electrical faults
Electrical faults can also cause fire accidents in vehicles. Fire insurance covers damages caused by electrical faults, providing financial protection against such incidents.

8. Fire insurance is easy to obtain
Obtaining fire insurance for your vehicle is easy and uncomplicated. You can purchase fire insurance as an add-on to your motor insurance policy or as a standalone policy from any insurance provider. Purchasing it is quick and hassle-free, and you can do it online from the comfort of your home.

While motor insurance is mandatory by law in India, more is needed to protect your vehicle against all kinds of risks. Fire accidents can cause significant damage to your vehicle, leaving you with a hefty repair bill. This is why it's essential to have fire insurance for your vehicle in addition to your motor insurance India. Fire insurance provides comprehensive financial protection against damages caused by fire, riots, electrical faults, and other such incidents.

Click HERE to learn more about motor insurance India and its benefits.

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.

Back pain is one of the most common problems everyone faces across the length and breadth of the country. Some people may face a dull pain in their back now and then, while for some, it may be constant. Others may experience sudden and excruciating pain in their back, that they may be unable to sit or walk properly.

The leading causes of back pain are a fall, an accident, lifting a heavy load, or age-related factors. Sometimes a medical condition can also result in back pain. The treatment varies with the category of back pain you are suffering from. Hence, let us first understand the different types of back pain.

1. Cervical pain
The cervical region in our body is the vertebrae of the neck. When you suffer from pain in or around your spine, it is a case of cervical pain beneath your head. It is a common type of pain that can last a few days to several years. The common causes of cervical pain include poor and slumped posture, physical strain, mental stress, herniated disc, tumors, and other health conditions.

In Cervical pain, you may feel the most axial neck pain in your neck or radicular neck pain that shoots to other body parts, such as your shoulders or arms. Cervical pain is not very serious and can be treated with treatments such as exercise, stress management, and medicines for pain.

2. Thoracic back pain
Thoracic back pain is the pain in your upper back. The main symptoms include fever, loss of weight, nerve pain or numbness in the legs or lower body, physical trauma, noticeable deformity, severe stiffness, and constant severe pain that does not go away even after a change in sleeping or sitting position.

Thoracic back pain should not be ignored because the upper portion of the spine is connected to the ribs that protect your heart and lungs. You should immediately see a doctor if you experience any of the above symptoms for a long time.

3. Middle back pain
Middle back pain occurs below your rib cage but above the lumbar spine region. You may feel similar symptoms, such as fever, chills, weight loss, dizziness, etc., as in thoracic back pain. However, sometimes the symptoms can be vague, and you cannot easily diagnose them.

Middle back pain is caused due to several reasons, such as obesity, stress, anxiety, lack of physical activity, smoking, and pregnancy.

4. Lower back pain
Lower back or lumbar pain is common in people over 30 years of age. It is caused by a strain on muscles or tendons in the back. Arthritis of the spine is also a common cause of lower back pain. The pain can be mild to severe, leaving people unable to walk, sleep, work, and do their daily activities properly.

The common causes of lumbar pain are obesity, back injuries and accidents, lifestyle, mental health, diseases, and age. Such pain can come and go suddenly, especially after you bend abruptly to pick up something or during a sport. Medications and physical therapy can treat it, while sometimes surgery may also be required to cure it.

Back pain is becoming common even among youngsters, making it a cause of concern. Excessive junk food intake causing obesity, a lifestyle with no physical activity, stress and anxiety, smoking, etc., are primarily causing back pain in the younger generation.

Furthermore, this problem is alleviated with age, injuries, and accidents. A good health insurance policy can be very helpful in case you require a long treatment or surgery due to prolonged back pain problems. It will make you financially secure and stress-free, even if your treatment lasts for several years.

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.

When you notice black or white smoke coming out of your motorcycle's muffler, it is a sign that something is not working correctly. The smoke's colour makes it possible to tell what kind of problem the engine faces. White smoke typically indicates the presence of coolant or water mixing with the fuel in the combustion chamber. Whereas black smoke typically indicates a vibrant air/fuel ratio. The causes of black or white smoke can vary.

The following are some common causes of black or white smoke coming from a motorcycle's muffler:

Black smoke
1. Fuel injectors
The ability of the fuel injectors to supply the engine with the appropriate amount of fuel may be compromised if they are clogged or broken. Black smoke can result from incomplete combustion caused by a shortage of fuel.

2. Spark plugs
Black smoke is produced when the air/fuel mixture does not burn completely due to a damaged spark plug.

3. Inappropriate fuel blend
Black smoke can result from incomplete combustion, caused when the fuel combination is vibrant or too much fuel in the air/fuel mixture. This may occur if the motorcycle uses power with a more excellent octane rating than the engine needs.

4. Air filter
Black smoke may result from the engine receiving less air than required due to a blocked or dirty air filter. A vibrant air/fuel mixture caused by a dirty air filter can result in incomplete combustion.

5. Carburetor
Black smoke can also be produced by a vibrant air/fuel mixture from a dirty or faulty carburetor.

6. Exhaust system
Black smoke can result from an accumulation of exhaust gases brought on by a damaged or blocked exhaust system.

7. Carbon accumulation
An engine's combustion chamber, valves, and pistons may accumulate carbon deposits over time. These carbon deposits can interfere with combustion and lead to black smoke.

8. Oxygen sensor malfunction
The oxygen sensor determines how much oxygen is in the exhaust gases. The oxygen sensor may be unable to provide the engine control module with reliable readings if it is broken or faulty. This can cause the engine to receive insufficient fuel, leading to black smoke.

White smoke
1. Overheating
If the engine operates excessively, the coolant may boil and combine with the fuel in the combustion chamber. Additionally, this may cause the silencer to release white smoke.

2. Incorrect fuel blend
White smoke may result from an excessively lean fuel combination or an air/fuel mixture that contains too much air. This might occur if the motorcycle is powered by fuel that doesn't meet the engine's octane requirements.

3. Transmission fluid
A motorcycle with an automated transmission may emit white smoke from the silencer if the transmission fluid is burning.

4. Defective fuel injectors
The engine may not receive the proper amount of fuel if the fuel injectors are not operating correctly. White smoke can result from incomplete combustion caused by a lack of power.

5. Coolant leak
Coolant can leak into the combustion chamber if the engine's head gasket is damaged or the cylinder head is cracked. White smoke will flow out of the muffler when the engine runs because coolant and fuel will combine.

6. Water in the fuel
White smoke may emerge from the silencer if the fuel contains water. This may occur if water has collected in the motorcycle's fuel tank due to prolonged sitting.

7. Defective glow plug
The glow plug heats the combustion chamber, which helps the engine start. White smoke may result from incomplete combustion caused by an inaccurate glow plug.

A motorcycle's muffler may emit black or white smoke, indicating several engine issues. It is essential to determine the root of the problem and take quick action to fix it to stop the engine from suffering additional damage. Taking your motorbike to an expert mechanic for diagnostic and repair is advised if unsure of the cause. Motor insurance provides financial security in the case of an accident or damage to your vehicle. It is advisable to buy motor insurance online as it eliminates the need for paperwork and mediators, which may result in cost savings on insurance premiums.

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.

Motorcycles are open vehicles with no outer enclosures to protect you in case of a fall or an accident. Also, they are smaller than cars, making them less prominent and visible on the roads. This makes motorcycle riders more susceptible to accidents that can cause injuries, many times so severe that they can result in the loss of lives of the rider and the pillion.

Motorcycles are also lighter in weight, meaning they may drag on the road for a few metres after a fall or crash. This may also cause severe injury to the passengers. Let's look at some common motorcycle injuries you must know.

1. Rashes
Rashes are the most common injury that motorcycles can cause. When you fall from your bike, your arms and legs are most susceptible to rubbing against the ground's surface. This causes rashes on your skin, the severity of which depends upon the intensity of the drag or fall. If you were riding your motorcycle at high speed, you would likely develop severe rashes and bleeding, which will take a few days to heal. You can even develop infections and nerve damage.

2. Fracture
A fracture or multiple broken bones are also a common motorcycle injury. The impact of your fall on the ground can be intense enough to break or crack a few bones in your body. A fracture commonly occurs in the legs, forearms, or pelvis bones. A severe accident can even cause damage to your skull and rib cage.

3. Head injuries
The impact area of your fall from the motorcycle is often your head and neck. You may face severe head injuries, especially if you are not wearing a helmet. Youngsters tend to drive their motorcycles fast and recklessly, and falling at such high speeds can be fatal to the head and life.

4. Spinal and neck injuries
Your neck and the spinal cord may face irreparable damage if the main impact area is the neck or back. Such damage can be intense and extremely painful. The pain can be chronic, and the accident can result in paralysis, nerve damage, and even death.

5. Hands, arms, and legs

After a fall due to a motorcycle accident, you instinctively throw out your arms and land on them. Your hands and arms immediately bear the brunt of the fall, and you may suffer deep rashes, cuts, and broken bones. Such accidents can also result in nerve damage and paralysis of your arm.

Similarly, the main impact area of a motorcycle accident is your legs. In most accidents, you will hurt your legs by suffering rashes, deep cuts, or a fracture.

6. Muscle tear
A motorcycle accident often does not break your bones or cause a fracture. Instead, it causes muscle tears, soreness, and internal muscle damage. Since the impact is internal, recovery also takes a lot of time.

7. Burns
Severe burns are also a possibility when you meet with a motorcycle accident. This rarely occurs when the fall or accident is intense enough to spill the fuel from the fuel tank during the crash. The motorcycle may immediately catch fire, causing severe burns. Burns cause intense pain and take a long time to heal.

A motorcycle accident can happen unannounced with anyone, anytime and anywhere. You should always wear protective bike gear while riding your motorcycle, such as a protective jacket, knee and arm pads, gloves, etc. A helmet is a must and should be worn every time you ride your motorcycle. You should also choose a good motor insurance company in India to protect your vehicle from damages due to an accident. It will protect you financially and cover all the repair costs when your bike needs repair work.

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

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

As healthcare and mental health awareness continue to grow, the question of whether depression can be genetic has become more prevalent. Depression is a debilitating mental illness affecting millions worldwide and can be challenging to diagnose and treat. While various factors can contribute to the development of depression, including environmental and social factors, the role of genetics in the condition has been a subject of research for many years. Understanding the genetics of depression and its impact on mental health is crucial to providing appropriate care and treatment for those who need it.

We'll also understand the importance of early detection and treatment and how health insurance policies can play a vital role in curing depression. Let's get started!

1. Understanding depression
Depression is a complex mental illness that can manifest in various ways, including feelings of sadness, hopelessness, and despair. While it is a common mental health condition, depression can be challenging to diagnose and treat due to the wide range of symptoms that can be present.

2. The genetic component of depression
Research has shown a genetic component to depression, confirming that it can run in families. Studies have found that people with a family history of depression will likely develop the condition. It is advisable to consult a doctor and get routine tests done.

3. Other influencing factors in depression
While genetics play a role in depression, it is not the only factor contributing to the condition's development. Environmental components, such as stress, trauma, and life events, also significantly impact your mental health.

4. The genetics of depression: What we know so far
There is still much to learn about the genetics of depression, but researchers have made some significant strides in recent years. Studies have identified several genes that may be involved in the development of depression, including those that regulate serotonin and other neurotransmitters in the brain.

5. The importance of early diagnosis and treatment
Whether depression is genetic or not, early detection and treatment are critical to managing the condition effectively. People who are at risk of developing depression due to their family history should be screened regularly and should seek treatment if they begin to experience symptoms.

6. The role of health insurance in depression treatment
For many people, the cost of depression treatment can be a significant barrier to accessing proper care. Health insurance policies can help to mitigate these costs by covering the cost of therapy, medications, and other treatments.

7. Health insurance policy renewal and mental health coverage
When it comes time to renew your health insurance policy, reviewing your coverage for mental health treatment is essential. Ensure that your policy covers the cost of therapy and medications for mental health treatment or if there are some deductibles you may be responsible for.

8. The importance of spreading awareness about mental health coverage
If your health insurance policy does not provide adequate coverage for mental health treatment, it is essential to speak up for better coverage. Contact your insurance provider or speak to your employer's benefits department to discuss your options and work to improve your coverage.

In conclusion, depression can be a complex and challenging condition to manage, but with early detection and treatment, it is possible to live a fulfilling life. While genetics play a role in the development of depression, environmental factors, and other influences can also contribute to the condition's onset. Health insurance policies can help to make depression treatment more accessible and affordable. However, verify all the policy features at the time of health insurance policy renewal. Working together can improve mental health care and help more people get the support and treatment they need to thrive.

Click HERE to learn more about your health insurance policy renewal and how to do it quickly.

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.

Car insurance is a critical aspect of car ownership, providing financial protection in accidents, theft, or damage to your vehicle. However, the cost of car insurance can vary depending on several factors, including your driving history, car make and model, and age. Apart from this, location is also one of the most significant factors affecting car insurance premiums. Where you live plays a crucial role in determining the cost of your car insurance premium. The influence of location on car insurance is a complex issue that involves several factors. Insurance companies analyse these factors when determining your car insurance premium.

This blog post will explore how your location affects your premium so that you are aware of the correct policy before buying car insurance. Without any further delay, let's get started.

1. Crime rate
One of the most significant factors that can affect your car insurance premium is the crime rate in your area. Insurance companies consider areas with high crime rates a severe risk, as they have a higher incidence of car theft and vandalism. This increased risk means you may have to pay a higher premium if you live in an area with a high crime rate.

2. Population density
Another factor that can affect your car insurance premium is the population density of your area. Areas with high population densities have more traffic, which increases the likelihood of accidents. Therefore, if you live in an area with a high population density, you may have to pay higher car insurance premiums.

3. Weather conditions
The weather in your area can also affect your car insurance premium. Regions with harsh weather conditions, such as snow, ice, or heavy rainfall, have a higher risk of accidents. Therefore, if you live in an area with extreme weather conditions, you may have to pay higher car insurance premiums.

4. Road conditions
Poor road conditions, such as potholes or inadequate lighting, can also increase the risk of accidents. Insurance companies consider the road conditions in your area when setting your car insurance premium. If you live in a location with poor road conditions, you may have to pay higher car insurance premiums.

5. Laws and regulations
The laws and regulations in your area can also affect your car insurance premium. Some states have minimum coverage requirements, while others do not. If you live in a state with high minimum coverage requirements, you may have to pay higher car insurance premiums.

6. Local insurance market
Finally, the local insurance market can also affect your car insurance premium. Insurance companies may charge different rates in different areas based on the level of competition in the local insurance market.

Therefore, if you live in an area with a less competitive insurance market, you may have to pay higher car insurance premiums.

When setting your insurance rate, companies consider factors such as crime rates, population density, weather conditions, road conditions, laws and regulations, and the local insurance market. Therefore, it is essential to understand how your location can affect your car insurance premium to make informed decisions when choosing a car insurance policy. Explore and compare car insurance policies to find the right one that fits your needs optimally.

Click HERE to learn more about the benefits of purchasing 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.

Do you travel a lot by road? Are you tired of waiting for your turn at toll plazas on the interstate highways or expressways? Do you wish to get done with it as quickly as possible? If yes, then you must get a FASTag! As the name suggests, a FASTag is a tag which is a mean to ensure faster transit across toll plazas. The tag is placed on the windshield of the car and uses Radio Frequency Identification Technology. The tag is scanned by the tag readers placed at toll booths who then deduct the toll amount from the FASTag account. All toll plazas placed along the national highways are now using FASTag for payment of toll as per the guidelines of the government of India.

As the balance in FASTag reduces, the user needs to reload the balance in the linked wallet account or the linked bank account. By eliminating the need for cash payments at toll plazas, FASTag ensures a quicker and smoother flow of traffic.

The following reasons highlight how using a FASTag can help you save time on your journey: -

● Quick payment - As there is a FASTag affixed to your car, you wouldn't have to search your wallet for cash which ultimately reduces the duration of the transaction and your time is saved.

● Less fuel wastag - As you do not need to stop and restart your vehicle, less petrol or diesel is burned, which saves your fuel tank from draining quickly.

● Hassle-free recharge- You can easily recharge your FASTag using various methods like Internet banking, mobile wallet apps, NEFT, RTGS or even your credit and debit cards.

● Message alerts - Every time your FASTag is used, you get an alert SMS on the mobile number registered with the card which ensures the prevention of its misuse.

● Long validity- A FASTag is valid for five years, which means you need not worry about changing it frequently.

● No requirement of cash - The work of cash is taken over by the FASTag. Therefore, it eliminates the necessity of carrying cash for toll payments.

● Online portals- You can check the transactions made using your FASTag whenever you wish using specific web portals meant for the same.

Now, onto some Frequently Asked Questions: -

How to get a FASTag?

To buy a FASTag, you can ask the toll plaza employee for their sales department, or contact authorized agencies or banks that sell them. Many platforms offer car insurance quotes online and sell FASTag as well.

How much does a FASTag cost?

Generally, a FASTag can cost you around two hundred rupees for the purchase, which excludes recharge expenses.

Where is it placed?

FASTags are affixed on the windshield of the car in a very specific manner that allows the scanners placed at the toll plaza to scan it.

How to know if your card has been used?

As stated in the above benefits, a text message is delivered to the registered mobile phone when the FASTag is used. This is a sort of confirmation to the owner that payment has been made.

Do you need to maintain a certain balance?

You don't need to maintain a balance for sure, but yes there is a minimum value for a top-up of the tag which amounts to a hundred rupees.

Where is a FASTag valid?

Throughout the country, a FASTag can be used to make payments at toll plazas regardless of the city or state.

While getting FASTag will help you zoom seamlessly on the highways, do remember to check car insurance quotes online to get protection against possible accidents and incidents while on the road.