GENERAL INSURANCE BLOG

“Blood sugar” is termed as the amount of sugar present in the bloodstream of a body at a given time. Glucose is known to be the primary source of energy for a body. Therefore, having a stable blood sugar level is immensely important to carry a healthy lifestyle.

If the sugar level is disturbed, it can result in dullness in energy, anxiety, moodiness, fatigue, improper sleep, food cravings, brain fog, and diabetes if ignored for a longer time. Blood sugar can get out of control for two major reasons: either too much glucose or too little glucose for the body. In the first condition, your body gets more sugar than the body is habitual to, and in the second case, sugar is supplied in an inadequate amount. A balanced sugar level ensures sufficient quantity of glucose in the body.

Let’s understand 6 effective ways to keep your blood sugar level stabilized:

1. Daily exercise – Regular exercise helps maintain weight and improves insulin receptivity. An increase in the receptivity of insulin simply means better absorption of the sugar existing in the body. So remember, daily exercise is the most crucial aspect of the blood sugar management plan, and you should not skip it.

2. Tracking sugar levels – Monitor your blood sugar at regular intervals. It helps you track the sugar level and the changes you need to keep the levels managed.

3. Keep an eye on your diet – A well-planned diet is necessary for keeping blood sugar in control. The carbohydrates from foods are further broken down into sugars to provide a source of energy to the body. Hence, a low-carb and more fibre diet is ideal for balanced sugar levels. A rich fibre diet plays a preventative role and helps maintain your blood sugars.

4. Hydration – As a means to prevent your kidneys from flushing out the excess sugar in case of dehydration, drinking enough water throughout the day is very necessary. Water also ensures a lower risk of high blood sugar.

5. Quality sleep – Improper sleep or lack of adequate sleep can affect blood sugar and insulin receptivity. It releases growth hormones which may lead to weight gain and disturb the production and supply of sugars in the body. Avoiding caffeine before going to bed and sleeping in a cool and dark room helps you with a sound sleep.

6. Moderation – Maintaining moderation in daily activities will eventually lead to balanced blood sugar levels. Therefore, diet, weight, and proper exercise should be in a calculated proportion. Small steps to keep you active in the right direction can yield significant results in improving or preventing blood sugar.

Any diabetic person is not restricted from having health insurance and can get help for the care through a good health insurance policy. There is coverage of both type 1 and type 2 diabetes in a diabetes health insurance policy. In addition, health insurance also provides features such as illness related to diabetes and all costs and expenses for the treatment. Health insurance with Medicare advantage plans will also cover the cost of insulin. Make sure to check the benefits of the health insurance before you buy a health insurance policy.

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Understanding that two-wheeler insurance is as important as your health insurance because your vehicle needs coverage and security too, is very important. Not having insurance coverage leaves you vulnerable to financial damages during unfortunate accidents. But with insurance and its premium, there comes two more necessary factors, IDV and NCB.

If you are a first-time insurance buyer, then understanding IDV and NCB will help you decide on better insurance for your two-wheeler. Let's understand them and their benefits in detail.

Insured Declared Value (IDV) tells the actual market value of your two-wheeler. It's the highest sum of the amount insured that your insurance provider has promised to you. In case of theft, accident, or total loss of the vehicle, you will get compensation as per the IDV of your two-wheeler. Likewise, you can claim it in case of damage or replacement cost of your two-wheeler.

Two-wheeler is a tangible asset that doesn't always stay new. Hence, its value depreciates over the period, and as it becomes older, its premium amount also gets lesser. As a result, the IDV also reduces.

Never declare lower IDV than your bike's current market value to get a lower insurance premium. In case of any bike theft or total damage, your claim amount will be relatively much lower, thus making a significant loss to you.

No-Claim Bonus (NCB) is the total accumulated amount yearly. As its name suggests, it is a reward that the policyholder gets during insurance renewal for the two-wheeler. This bonus is offered in the form of a concession of the premium paid on insurance by you.

Below are the points why IDV and NCB play an essential part in determining your vehicle's insurance premium:

1. If you want to conserve your benefits of NCB, but unfortunately, meet with some mishaps, then you stand no chance to claim your bonus. A 'protection cover' can be helpful for such situations, which you can add to your NCB. It is nearly 10% of your premium amount. Though the number of claims are limited, this still helps to conserve your NCB bonus.

2. The main advantage of NCB is that it is more beneficial to the policyholder, not the vehicle. For example, if you opt a NCB for a new 2-wheeler, you can transfer it from your old two-wheeler to the new vehicle.

3. Your IDV mainly depends on the age of the vehicle. The other factor in deciding on IDV is the condition of your two-wheeler. So, it is crucial to evaluate IDV correctly, which further helps you with better insurance with a suitable premium.

4. When you opt for renewing your 2-wheeler insurance online, keep in mind that your premium depends on IDV. Lesser the age of the bike means higher IDV and higher premium.

As a final piece of advice, if you want to save more on insurance, then declare the correct IDV of your vehicle and get the benefit of your NCB. Both NCB and IDV balance your insurance premium and the cover to your two-wheeler.

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In recent years, people often inquire about the mandatory two-wheeler insurance and the strict regulations and penalties if a vehicle doesn't comply with an insurance policy.

Third-party 2 wheeler insurance covers the loss incurred by the property of a third-party or third-party injury by your vehicle. The third-party plan also covers the compensation in case of the death of the third party person. This insurance does not provide you with the option of choosing add-ons, nor does it offer the cover for your own vehicle damage like in the Comprehensive Insurance Policy.

But, the premium here is comparatively lower than that of the Comprehensive Plan, which as the name itself suggests, is a wide range of overall insurance for your vehicle. Therefore, it is always advisable to opt for the Comprehensive Policy for more features and a wider coverage option, including the mandatory third-party 2 wheeler insurance.

Now, read below the stepwise guide on how to claim third-party 2 wheeler insurance. Consider a situation where damage to your two-wheeler is caused by another vehicle in an accident. To file a claim to your insurance agency towards the medical expenses and repair of the vehicle under third party insurance, you need to follow the given steps:

1. Take down the vehicle's details involved in the accident and of the vehicle owner

2. Try and click photographs of your damaged two-wheeler

3. Look around for any surveillance cameras or eye-witnesses and note down their contact details

4. File a First Investigation Report (FIR) at the nearest police station from the event site

5. Inform the insurance company about the incident and follow their instructions for further action

6. File a case with the Motor Accident Claims Tribunal Court with the help of a lawyer. Attend the court proceedings, inform the court of the actual occurring and submit all the required documents and details

7. Share the court's order with the insurer, and you will receive compensation for the expenses of the damage

8. Always remain truthful and honest on your part without hiding anything from the insurance company. You may invite trouble by making a false claim or if the fault is on your part

Documents required at the time of making a third-party 2 wheeler Insurance Claim:

1. Driving License

2. Registration Certificate (RC) of the vehicle

3. Insurance Policy Documentation

4. Pollution Under Control (PUC) Certificate

5. First Investigation Report (FIR) of the incident

6. Receipt or bill of any vehicle repair

7. Duly filled and signed claim form

8. Duly signed Satisfaction Voucher (SV) or Discharge Voucher (DV)

Do not become aggressive or angry at any time and remain calm. It will help you think of the next step more efficiently. Trust the 2 wheeler insurance and be patient throughout the process. But, do not delay in taking action and starting the process. Avoid agreeing upon any monetary settlements as they qualify to be illegal.
It is always better to be cautious than to claim insurance for damages. So drive carefully and follow all the safety measures!

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Relocating to another state appears to be a daunting task if you’re experiencing it for the first time. There are multiple things to take care of while planning a relocation. From packing stuff and moving to another state to adjusting to the changing environment can irk you badly.

What worries you the most is the transfer of your bike registration that needs to be thoroughly examined during the entire relocation process. You need to acquaint yourself with the registration process of the new state and accordingly schedule your timelines for the same. This is indeed a cumbersome task, but we are here with our guide to make this process a swift one before it turns out to be a daunting task.

1. New state, fresh registration:
There are two scenarios that you need to understand. First, if you are relocating for less than a year, you don’t need to transfer the RC. But, if you’re planning to settle in the new state for more than a year, then you will have to go through a transfer process. Initially, you need to visit the RTO near your area and get a No Objection Certificate (NOC) as clearance for your bike. Then, after transferring to the new state, you will have to apply for fresh registration of RC of your motorcycle in the RTO of the new state.

2. What documents to carry?

Following is the list of documents required for the re-registration process.

• Original copy of Previous Registration Certificate.

• Three copies of Form 28 or the NOC issued by your local state’s RTO.

• NOC obtained from the local police station.

• NOC from Traffic police personnel.

• Form 20 as the application for the registration of the motor vehicle.

• Form 27 as the application for the assignment of a new registration mark to the motor vehicle.

• Attested copy of address proof.

• Attested copy of valid insurance.

• Attested copy of the Pollution Under Control Certificate (PUC).

• Copy of PAN Card or Form 60 and 61

3. Visit the RTO of the new state and complete the re-registration:
Visit the local RTO at your new location with all the above documents and fill your application for re-registration. Carefully provide all the essential information and verify all the documents thoroughly before submitting them to the officials. Once you fill the form and submit all your documents, you’re through your bike registration in the new state.

4. Fill the new road tax challan followed by vehicle inspection:
After completing the registration process at the new RTO, you will be asked to pay the required fees for that state’s new road tax challan issued by the RTO. Make the payment and collect your challan. The next step is the inspection of your bike. An RTO officer will conduct an assessment of your vehicle to check the condition of your bike and its parts. The primary purpose of the inspection is to ensure that your bike qualifies all the general safety requirements. All the collected data is stored for future reference along with the imprint of the chassis number.

5. The last step, and it’s done!
After completing verification, if your RC gets approved, you will be allotted a date to visit the RTO and collect your new RC.

To sum it up, make your relocation process manageable by following our guide. Follow all the steps mindfully and without any delays. Importantly, complete the entire registration process before your NOC expires. Considering all these factors, it is also essential to inform your bike insurance provider about your relocation. Provide all the details to the insurance company to verify your case and compute the insurance premium for your bike.

Click HERE to get the details about bike insurance to satisfy your requirements.

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.