GENERAL INSURANCE BLOG

Driving is a predominantly visual activity. Only learning the controls of the car is not enough. Good visualisation is one of the essential skills to develop when driving a car. Although you must concentrate on the road ahead, it is crucial to have a clear view of the sides and back of the car as well. Adjusting the side and rearview mirrors is vital to ensure a well-rounded view while driving.

Further, you should rely on emergency financial help by investing in dependable motor insurance India plans in case of road accidents, as it is always better to be safe than sorry.

All cars have blind spots; therefore, adjusting your rearview and side mirrors to the optimum can ensure maximum visibility and safety on the road. In this article, we tell you how to use your car mirrors efficiently and avoid the chances of accidents while driving.

1. Rearview mirror:
The rearview mirror, positioned next to the driver’s seat slightly above their eye level, is used to see the road behind and if any cars are approaching. The driver must adjust the rearview as per their height and comfort as soon as they get into the driver’s seat.
To adjust the angle of the mirror, sit up straight in a comfortable position, hold your head still, look into the rearview and shift it until the back or rear window is entirely visible in the mirror. Do this to avoid any blind spots. If more than one person is driving the same car, make sure to check the rearview mirror every time you get into the driving seat and readjust it to the best angle, in case it has been shifted as per another driver’s comfort.
When driving at night, flip the tab at the bottom of the rearview mirror that helps dim the light reflected by the headlights of the cars approaching behind you that may strain or blind you. In addition, some advanced car models enter and exit night mode to aid your visualisation.

2. Side mirrors:
Every car has a single side mirror on the left and right sides of the vehicle, respectively. As they are located outside of the car, it can be difficult to manoeuver them from inside. While many modern car models have levers or buttons that help adjust the side mirrors from the inside, some of them may not.
If your car does not have a lever or buttons to adjust the side mirrors, make sure to do so manually, right after you adjust the rearview mirror. Sit upright in the driver’s seat, first glance to one side, and adjust that mirror to an angle that helps reflect the side of the road. Shift it to a wide angle to get a comprehensive view of the side of the road. Repeat the same method for the mirror on the other side. If you have a lever or button inside the car, angle the side mirrors using it. The side mirror should provide a wide sideways view in just a simple glance.
The pro tip is to adjust the side mirrors to an angle that allows you to see right from the side of the road to the very back, including the approaching car, to maintain a safe distance.

Following these few tips to adjust the car mirrors can vastly improve your visualisation and assist you considerably while driving. It leaves very little room for errors or accidents. Apart from angling the mirrors, you must also check the wheel alignment, tyre pressure, oil levels, acceleration, and brake control to ensure safety before hitting the road.

Also, prioritise investing in motor insurance India plans and get the perks of financial coverage in case of loss or damages during accidents. Add value to your possession and get the best returns with assured safety.

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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.

Indoor rodent infestations may have significantly reduced over the years; however, they still pose a threat outdoors. While we hear several stories about the damage caused by rodents and insect infestations in cars, we rarely hear about how badly they can damage two-wheelers.

Rodents, particularly mice and rats, are primarily attracted to areas where they can find ample warmth and hide. For them, bikes that have been stored away in garages for the long term make a perfect home. Although these mice usually take shelter in cars, bikes are a perfect warm spot for them, specifically in the winter months.

What are the threats caused to your bike by mice?
If you think rust is the worst thing that can harm your bike, you may be wrong. Mice and other such rodents can be far more damaging to your two-wheeler. From chewing on bike parts and wiring to building nests inside your engine, mice can cause terrible damage.
Mice are quick to chew into various parts of the bike, especially wiring. This can cause the engine and other parts to fail and is very difficult to fix. These damages incur high costs for the maintenance of your bike. In addition, it can be challenging to reach and repair the internal parts of the bike that have been damaged, causing unfavourable wear and tear in the process.
The nests created in internal parts of the bike are another major issue. Mice store food and other materials in the nests, which can clog the engine. They carry diseases and germs that can be detrimental to your health. If the nest is built near the air filter, there is a considerable danger of expelling rodent excrement every time you start the bike, leading to the spread of airborne viruses.

How to keep mice away?
Whether you are trying to get rid of the mice or are simply taking preventive measures to protect your vehicle, these few tips will go a long way in avoiding any more damage caused by rodents:

1. Mice try to find places that humans or other animals don’t regularly use. A stored bike in the garage or outdoors is one such place. The easiest thing to prevent this is to take the bike out for a ride frequently.

2. A simple mouse trap can help catch the ones that may be inside your vehicle. Keep the bike in a shed or enclosed area, set enough mouse traps around and underneath the bike, and check after a couple of days.

3. You can find many mice or rodent repellent sprays and medicines in local stores or online. Spraying these all over the bike will help chase away all the mice dwelling in and around the two-wheeler and prevent any more rodents from coming near it.

4. Block all mouse holes or hiding places in the garage where you store your bike. Making it a rodent-free zone is crucial. Avoid parking the bike in forested areas or lands with tall grass to avoid any future infestation.

5. Mice have a strong sense of smell and can be highly affected by it. Applying peppermint oil on tiny buds of cotton and placing them in various corners of the vehicle can help drive them away.

These tips may not undo all the damage caused to your vehicle, but it’s always good to be aware. So, be wise enough to have bike insurance so that you can recover the damage caused by mice. Also, if your bike insurance plan covers non-collision damages, you can easily file a claim.

Click HERE to get the best deals on 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.

The onset of monsoon is a gift for humans, animals, and plants. The lush greenery, the sweet smell of moist soil and the cold winds are a much-needed respite from the scorching summer months. But with all the monsoon goodness comes a set of challenges as well.

Children end up locked inside their houses, hoping for the pouring rain to go away. If you are a parent and you notice your kids growing increasingly impatient, this article is just for you. This article will look at all the activities you can enrol your kids in for a productive and fun monsoon season.

1. Take up a painting class:

Painting is an expressive art form. It is visually stimulating and allows your child to explore different colours and expression mediums. It gives your kids the opportunities to develop creatively and imaginatively.
This gives them the freedom to visualise and metaphorically paint the picture they want. You can help your children navigate the different types of famous artworks for inspiration. Later you can encourage them to join a painting class or workshops and learn to paint their imagination with passion.

2. Sports are always a yes:

In these distressing times of fast-paced technological advancement, we all have fallen sick and are easily prone to multiple health issues. Our bodies have become glued to the smart phones, and all you want is readily available with just one touch and tap of your phone. Rain can put a damper on your kid's physical activities.
Since being outdoors is a complete no-no, kids end up glued to screens. Indoor sport is your solution. Games such as table tennis, carrom, and chess are a few sports kids can play in the comfort of being indoors. Do not let rain be the reason your kids stay away from the fun.

3. Never say no to learning music:

Music, like painting, is again an expressive art form. The sounds stimulate your brain, which can then interpret different versions of tunes and rhythms. They help your child distinguish between various moods and emotions, thus enabling them to create their music. Notice how your kids pick up different notes from the song. Understand and encourage them to pursue various music skills and may also enrol in a music class.

4. We have all heard of abacus:

Abacus and mental maths tips and tricks will always be everyone's favourites. It doesn't harm learning quick tricks to help your child academically in the future. This enables the brain to enhance its analytical and logical power. Abacus classes can help your child improve their logical reasoning and make brisk calculations.

Ask your child if these activities interest them, and let them take the lead while staying indoors during the monsoon season. Parents must always focus on planning experiences to help their children be independent and happy. Don't let the rain wash out the excitement of your children. Monsoon can be fun, too, if activities are planned rightly.

Apart from the skills development, you should consider the plans for keeping the kids protected under any unforeseen circumstances which might arise during different walks of life. One of the best gifts your child can get is insurance benefits. As a parent, you must discuss your options and purchase the best general insurance for catering to your children's needs in the best ways possible.

Refrain from taking drastic decisions while buying general insurance. Take your time, do the best research, understand your child's requirements, and accordingly select the plan that is the best!

Click HERE to learn more about how purchasing general insurance.

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

If you have recently started your fitness journey or are planning to do it soon, you will come across words like “strength training” and “weight training”. But, what do these terms mean, and how much of it should you inculcate in your daily fitness regimen? More often, people primarily focus on weight loss or bodybuilding. However, an important thing to remember is to lose fat healthily. Overdoing your exercises and following unreasonable diets can have the opposite effect on your body.

This article will look at a few key differences between “weight training” and “strength training” to help you understand them better. Always remember to use weights under the guidance of a professional. Improper postures and overestimating your ability can lead to muscular and joint injuries. Let’s get started!

What is weight training?

Weight training indicates exercises that require the use of weights. Weights can be of various types; dumbbells, barbells, kettlebells, etc. Weight training is not limited to using gym equipment for your exercises. You can also make use of your body weight to practice weight training. Exercises such as push-ups, planks, and pull-ups are a few examples of using your body weight to see similar results to gym training.

Do not exert too much with excessive weights while doing weight training. Focus on how long it takes to fatigue your muscle with the most basic weight. Build your way up from there. Adding weights and gradually increasing the number of sets is a highly efficient way of building strength. If you experience pain while doing an exercise, it is best to leave that exercise. Take that up later with fewer weights.

Benefits of weight training:

● Increases strength of muscles and tissues

● Improves bone density

● Improves heart health

● It prevents aches in joints and back

● Aids in weight loss

● Defines and sculpts your body

What is strength training?

Strength training focuses on building strength and resistance. The basic purpose of doing strength training is to develop a strong core. It takes advantage of muscle contraction to build endurance and overall body strength. Strength training involves parts of weight training such as push-ups, lunges, etc. Equipment can vary from ropes and sleds to balance balls, and tyres. Strength training involves customised plans to stimulate and emphasise a particular area.

It is highly beneficial for people looking to improve their flexibility. Sportspersons undergo this training to enhance their skills and understand the chain of movement they will require in the game. Strength training plays a crucial role in helping people manoeuvre through these routines and gain optimal body functionality.

Benefits of strength training:

● Strengthens your body

● Boosts your metabolism

● Reduces fat

● Lowers risk of injury

● Helps in managing blood sugar levels

● Makes you more flexible

These are a few key differences between strength and weight training. One thing to remember while starting weight or strength training is to consult a trainer or a professional. Proper guidance is important for first-timers. Professionals can aid you in understanding the requirements of your body and customise a plan accordingly.

Irrespective of what kind of exercise you are doing, do not underestimate the power of a proper warm-up. Warm-ups prepare your muscles and tissues to prepare your body for an intense workout and decrease the chances of injuries. Putting in ten minutes of your time to do cardio or walking makes a good warm-up.

People join a gym or a yoga class to remain fit and healthy. However, investing in health insurance is another good habit of remaining aware of health. Health expenses can severely drain your finances, and reliable health insurance will help you avoid them. Take a step toward a healthier lifestyle and buy health insurance online in India. Enjoy the perks of purchasing a heal insurance policy online and get rewarded with an attractive premium.

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

Buying a second-hand car is a quick and easy way to get into the world of driving. Second-hand cars are a boon for families that dream of having their own car but find it difficult due to financial reasons. Research states that of the total car transactions made in India, around 55% are used cars purchases.

However, buying a used car doesn't mean you won't need insurance. Without insurance, you may find yourself paying even more for accidental damages and other repair or maintenance costs. You can save considerably on garage costs by investing in the right car insurance policy and capitalise on its benefits to gain healthy returns on your investment.

What is second-hand car insurance?
When you're buying a used car, the insurance history is essential — it shows you how much the owners took care of their vehicle and whether or not they were honest with their insurance claims.
After buying a used car, immediately call your insurance company. Registration is the first step in purchasing a vehicle. After you are registered, you have 14 days to transfer the insurance policy into your name.

Why is it essential to insure your second-hand car?
In India, car insurance is mandatory by law. However, third-party policies (also called liability car insurance) aren't sufficient to cover all damages. On the other hand, comprehensive policies provide more in-depth coverage.
As for your car insurance, choose a policy that includes comprehensive coverage. It will protect you against losses due to damages caused by human or natural calamities or the loss of your vehicle itself. Suppose a third party's death or injury occurs during an accident. In that case, their family will not be able to claim from you directly if you have paid the policy premium timely.

Pros of getting your second-hand car insured – The insurance policies cover you against the following problems:

• Natural disasters – Comprehensive car insurance covers your losses against damages caused by natural disasters like storms, floods, earthquakes, and other events beyond human control.

• Car accidents – Insurance protects you against the financial risks of injury or death due to car accidents, as well as damage or destruction of your vehicle.

• Robbery – As long as you have an accurate insured declared value, comprehensive car insurance will cover theft, vandalism, and other accidents resulting in total loss.

• Man-made catastrophes – You never know what could happen, but if someone else's actions cause your car to catch fire, you'll be covered. Likewise, artificial catastrophes such as vandalism, fire, self-ignition, and acts of terrorism will be covered under this policy.

Ignorance is never bliss when it comes to the safety of your car. In many cases, owners do not qualify for insurance claims due to a lack of awareness. Individuals must transfer the insurance policy to their name if buying or selling a second-hand car. The previous owner should also follow the procedure to ensure that legal problems don't arise in the future.

While owning an uninsured vehicle comes with several risks, one should also keep in mind that Indian law mandates that all vehicles must be covered under proper insurance.

Click HERE to know more about 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.

Sports are the preferred choice of physical activity by most people. It’s an exciting and fun way of incorporating physical activity into your routine. Spending at least half an hour a day playing can be magical for your mind and body. There is no better stress buster than playing your favourite sport.

If you are confused about where to start your fitness journey, playing a sport is a right start for you. However, are you worried about the many injuries that the sportspersons talk about? Fret not! We are here to clear the space of confusion and state all the facts and remedies before you.

This article talks about a few common sports injuries and their treatments for a faster and effortless healing process.

1. Sprains:

A tear or stretch in the ligaments caused is known as a sprain. As it can directly impact the movement of joints, even the menial tasks become highly painful. The most common are ankle sprain, wrist sprain, and knee sprain. Improper footing or a profound impact on different body parts can cause ligament tears or sprains.
Constant pain, swelling, redness, bruising, etc., are the general symptoms of a sprain. Sprains can typically take anywhere between a week to a month to heal fully. The easiest ways to fasten sprains' healing process are heat therapy, rest, and restricting movement.

2. Fractures:

Fractures are also a common injury that often occurs to sportspersons. Depending upon the severity of the injury, fractures typically take a month to six months to completely heal. Fractures can be cured using casts, padding, plasters, etc.
However, there are times when the doctor might suggest surgery to ensure that the bone fully grows back and is appropriately aligned. Misaligned bones can cause severe long-term implications if not fixed immediately.

3. Back and Shoulder injuries:

How often have we heard people complaining about their back giving them trouble? The spine is most susceptible to strain and stress during physical activity. Since your entire body frame is supported on your spine, giving extra care to your back is essential for staying fit.
Overlooking the stress on the back may lead to severe inflammation resulting in slip-discs and other back-related injuries. Treatments can vary depending upon the severity. Sometimes patients are recommended to take complete bed rest or undergo surgery.

4. Concussion:

In sports such as football and basketball, players can come across sudden high-impact injuries to the head. This traumatic injury can affect brain function. The symptoms can range from minor headaches, dizziness, drowsiness, and loss of consciousness.
Sometimes, these injuries do not show symptoms immediately and can take several months to manifest into other complications. Always consult a specialist to ensure that there are no severe injuries.

These were a list of the most common sports injuries prevalent amongst sportspersons. Remember to not over-exert the body whenever it shows signs of ache or strain. Sports and other physical activities are meant to be enjoyed while also helping you maintain an active lifestyle. But as the saying goes, "Excess of anything is harmful". Overdoing your practice can cause severe issues and aggravate the health of your body.

Always practice under the guidance of an instructor who can monitor your form and stamina. To safeguard yourself from the expensive treatments you might need during recovery, consider opting for the best personal accident policy in India. This way, you can rest assured that all your extra expenses are being taken care of. Never give up your spirit of playing a sport by surrendering to injuries. So, be cautious and continue passionately pursuing your favourite sport!

Click HERE to buy 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.

The world has gone digital, and given the current technologies coming in, there is absolutely no doubt that the digital era is here to stay. Everything in our work and personal lives is getting digitised by the moment. This indicates that our dependency on “screens” is going to rise. But how does that impact your vision?

Your eyes are your window to the world. It is one of the primary sensory organs which plays an integral role in your life. Unfortunately, the increase in the use of gadgets harms our vision. Your eyes are your window to the world. It is one of the primary sensory organs which plays an integral role in your life. Unfortunately, the increase in the use of gadgets harms our vision. Like a sound mind helps makes in a good body, healthy eyes sustain a healthy body.

But how to take care of your eyes in this world of soaring screen times? The following tips are beneficial for you to imbibe in your lifestyle to maintain a perfect 6/6 vision.

1. Your diet should be well-balanced:
The health of your eyes depends a lot on your food habits. The healthier food you consume, the better. Omega-3 fatty acids, lutein, zeaxanthin, zinc, and vitamins C and E enriched diet can fend off degenerative eye diseases like cataracts and Age-Related Macular degeneration (AMD). These nutritional constituents are necessary to maintain ocular surfaces. In addition, vitamin A for children is essential.

Make sure your diet contains the following foods:

• Fresh fruits and green leafy vegetables

• Berries

• In case you’re a non-vegetarian, then salmon, tuna, and other oily fish

• Lentils, eggs, beans

• Citrus fruits

• Seeds and nuts

2. Sun protection:
The ultraviolet rays from the sun have been proven to be harmful to the eyes. These rays can cause cataracts and Age-Related Macular degeneration (AMD), pterygia, and eye tumors. Avoid looking at the sun directly with naked eyes. Ensure that you wear the right sunglasses which protect you from UV-A and UV-B radiation.

3. Say no to smoking:
There’s no argument against the fact that smoking is bad for your health. It damages your respiratory systems and eventually deteriorates your whole body. There is sufficient data that proves that smoking increases the risk of AMD and cataracts exponentially. It also dries up your eyes, making it lose vision gradually.

4. Safety goggles:
To prevent any eye injuries, you must wear safety goggles whenever required. It doesn’t matter where you are; if your work deals with chemicals or airborne materials, you must ensure that you’re wearing your safety goggles. The same goes if you’re handling sensitive equipment or fireworks. Sports injuries can also cause eye damage. So you must wear a helmet and protective goggles.

5. Keep an eye on screen time:
Sitting in front of a screen can cause many eye issues, including headaches, strain, blurred vision, dryness, etc. Wear glasses or lenses, according to your power. Take breaks between your work. Increasing font size, adjusting the brightness, and lubricating eye drops are other ways to protect your eyes.

6. Regular checkups: Visit your eye doctor regularly for comprehensive examinations. If the doctor picks up anything during the checkup, you can eradicate the problem in the very early stages by proper treatment. This ensures that your eyes stay healthy in the long run.

Understand the vitality of having a good vision and healthy eyes before the situation slips out of hand. Follow the above tips and practice a few eye exercises to keep the blood flow constant in the eyes.

Now that we’ve discussed the tips to have better vision, another wise option to take care of your eyes and overall health is to buy health insurance, especially for the elderly of the family. So, browse through the several options and purchase health insurance in India for parents, which caters to their needs and enjoy life without any worries.

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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.

Exercising is something that no one should ever compromise on. And if you are someone who religiously works out, you are already better than the sixty-four percent population of the country. But exercising is not any random daily task that you need to tick from your to-do list. It is a strict health practice that demands your time and dedication.

Exercise has stages that usually are overlooked. Ask any fitness enthusiast, and they will tell you pre-and post-workout care is as essential as the workout. The pre-workout phase includes a warm-up session. This is needed to warm up your body and get your muscles ready for a round of the extensive workout. Warm-ups before exercise avoid injuries that can later turn fatal. But, what do you do after your workout is done?

This article will take a detailed look at everything you can do post-workout to ensure optimum functionality and maximum results for your body.

1. Hydration:

Drinking too much water right after your workout is unsuitable for your body. Instead, it shocks the body with a sudden temperature change. Due to this sudden temperature change, the body uses energy to heat the water, which can slow down the rehydration process. Instead, take small sips after every set of exercises.

2. Stretching:

Stretching is an often-ignored part of workout routines. It takes barely 05-10 minutes. However, if you are running short on time, you can stretch on the go. You can easily do stretching such as lunge walking, overhead stretches, bicep stretches, side bends, etc., as you walk to the exit gates of the gym.
Stretching enhances flexibility and decreases muscle soreness after a high-intensity workout. If you miss out on stretches, it can lead to severe back pain and muscle soreness.

3. Restore your proteins:

Protein helps in muscle repair. You can obtain your daily protein intake from various sources such as eggs, curd, paneer, etc. Protein powders and supplements can be consumed as an add-on.
The amino acids in protein act as building blocks, essential for the repair and regeneration of muscles. Protein intake also helps with soreness that might follow the subsequent day after a heavy workout.

4. Include nutrient rich food:

Add a balanced and nutrient-rich meal to your post-workout diet for growth and recovery. Include foods with high content of vitamins, fibres, minerals, and carbohydrates for a well-rounded meal. For carbohydrates, you can opt for oats, rice, millets, etc.
Add spinach, beans, and cabbage for added fibre and nutrient content. Snacking on nuts is a smart way to ensure the intake of healthy fats, which are key ingredients to reducing inflammation.

5. Rest and Recovery:

If you practice heavy workouts, the general rule dictates that you should give your body a break of forty-eight hours weekly. Take the weekends off and indulge in light cardio such as walking, running, cycling, etc. Do not forget to add stretching to your rest days.
Our body is constantly communicating with us about what it needs. Listen to your body and take notice of the small changes that your body is responding to. Avoid straining if you feel like there is a possible chance of injury.

These are tips you can follow to ensure that your efforts and fitness enthusiasm do not go to waste. As mentioned above, overdoing exercises to the point of exhaustion can have severe implications. Always follow a routine under the guidance of a professional to avoid injuries and fatigue.

Remember that your body is unique and has requirements that are tailor-made for you. Sometimes, due to various reasons, our bodies are susceptible to injuries and accidents. Choose the best personal accident insurance to safeguard yourself and your loved ones in these situations. Don't allow injuries to stop you from hustling for a healthy lifestyle.

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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.