GENERAL INSURANCE BLOG

With each passing day, people are extra concerned about the environment and the reality of climate change. As a result, more and more people are opting for environment-friendly and sustainable options, like e-scooters as a greener alternative.

The face of personal transportation has immensely changed since the introduction of electric vehicles in the Indian market. Electric scooters are an excellent alternative to traditional combustion engines. They have become the new face of convenience and an affordable mode of transport in India, with over 150,000 e-bikes and e-scooters sold in 2020 alone.

Yet, we know relatively little about its reliability. And to better understand it clearly, we will answer a few questions and tell you about its limitations and advantages.

What is an electric scooter?
Electric bikes or scooters are plug-in electric vehicles that use electric motors to get locomotion.

What is the mileage of an electric scooter?
On average, an electric scooter can go up to 70 km in a single charge, that is 70 km in 10 rupees making it cost-effective and an efficient commutation option.

What batteries are used in an electric scooter?
Usually, electric scooters operate on lithium-ion batteries and adhere to a 12v starter battery or a 24v electrical system.

Do you need a driving license and insurance?
Yes, in India, you would need a driving license and 2 wheeler insurance to drive any vehicle which has a capacity of more than 250 kilowatts and can attain a speed higher than 25km per hour.

What is the expected life of an electric scooter?
Electric scooters might not have the same life span as petrol bikes because engines work longer than motors, but motors are easily replaceable.

Are electric scooters reliable?
When buying a vehicle, the main factor is its reliability—whether it is safe to use, performance, durability, flexibility, etc. To know it, let's understand the pros and cons of buying an electric scooter so that you can make a choice.

PROS:
1. Easy maintenance
There's no need to maintain a battery, clutch, or oil change, and there are no valves to tune, throttle bodies to sync, or air filters to replace. You'll only need to change tires and brake pads every once in a while.

2. Limited noise pollution
Of course, it is a myth that electric motorcycles are entirely silent, but still, the noises are comparatively minimal. This means that you get to enjoy a peaceful experience. Also, no neighbours will be disturbed late at night!

3. Environment-friendly
The best advantage that electric scooters bring with them is the green revolution. These sustainable vehicles are shaping the future of the world towards a cleaner and more environmentally safe era.

4. Insurance benefits
Reports suggested that the Indian EV market will grow at 36% in the coming years and emerge as a key segment in the insurance business. Thus, in most cases, you will notice that the 2 wheeler insurance premiums are comparatively low for electric vehicles.

CONS:
1. Charging
One of the main problems is finding a charging unit for your electric vehicles. Let's say you do find one, but certainly, charging will take more time than filling a tank with fuel. Therefore, a fuel-based vehicle is more practical due to the easy access to a gas station.

2. Resale value
Electric scooters have a low resale value. And if the battery needs replacement, there is almost no market value of the vehicle. Also, it is hard to find a buyer interested in a used e-bike.

3. Storage space
E-bikes generally do not have much storage space below the seat, but new design technology is finding solutions to address this requirement of ample storage in vehicles.

These checkpoints related to the reliability of an electric scooter come in handy for you to compare the advantages and understand your requirements correctly. Planning an e-scooter certainly brings your meaningful contribution towards zero air pollution.

Planning to buy a new electric bike? Click HERE to cover it with a reliable two-wheeler 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.

A nutritious and filling breakfast fuels you up for the day and provides you with the energy you need after fasting for 8 to 12 hours. And not having one will leave you feeling irked and restless for the rest of the day. Therefore, it is essential to have an energy-rich breakfast in the morning.

But, what should be your ideal breakfast diet? Nutritionists suggest that your breakfast should have approximately 50 percent fruits or vegetables, 25 percent proteins, and 25 percent carbohydrates.

This article has rounded up seven healthy and tasty breakfast recipes that will charge your day.

1. Smoothies – a protein delight:
If you do not like a heavy breakfast, a smoothie is a perfect fit for you. It is a complete meal with all the essential minerals and vitamins. Then, just whip up a few fruits and veggies, and you are good to go! Adding a couple of ice cubes, dry fruits, or sleek pieces of fruits will elevate the taste of your smoothie.

2. Poha – the delicacy of the west:
Next on our list is everyone’s experimental and go-to breakfast. It is a famous dish of the western part of India but loved by the entire nation. It is tasty, light, and easy to make. It has a lot of variety to fit every taste - Kanda Poha, Aloo Poha, Tarri Poha, Curd Poha, Coconut-jaggery poha. The key ingredient here is rice flakes. You can add vegetables and spices the way you like.

3. Upma – cook it quickly:
Students living away from home prefer it because it is prepared in under 5 minutes without much hassle or even ingredients! It is slow to digest; therefore, it keeps you full for longer. Prepare this breakfast food using semolina or sooji and rice flour.

4. Salad – the authentic taste of fitness:
Some may think that a salad is not enough for breakfast, but there is nothing better than salad if you use the right ingredients. It is a perfect delight for diet-conscious people. It will boost your mood and productivity instantly, help maintain weight, enhance your digestive system, and be an excellent light breakfast option.

5. Idli – the trademark of the south:
Whenever South Indian breakfast is considered, idli always stays at the top. It is a steamed cake made of rice and black lentils. You can have an Idli with coconut chutney or vegetable stew. It is a healthy option as it requires no oil and is rich in carbohydrates, enzymes, and fibres.

6. Paratha – stuffed with love:
Many people consider it an unhealthy and heavy breakfast option as it is stuffed with excessive fats and consumes amounts of oil or butter. But, if you swap a few ingredients, it can be nutritious and delicious at the same time. Use whole wheat flour or multi-grain flour and knead the paratha dough with curd of whey water. Make your innovations as per your dietary requirements and enjoy parathas with curd, ketchup, or a chutney.

7. Muesli – the powerhouse of taste:
Muesli is a cold oatmeal dish full of fibre and proteins. To start your day on a sweet note, you may add chocolate, honey, and almond milk to your muesli. This breakfast recipe can give an energetic start to your day.

“One should not attend even the end of the world without a good breakfast.”- Robert Heinlein expressed this years ago, but it sounds right even today. Indeed, breakfast is crucial for the day. But on-the-go breakfast like bread and cheese or a packet of cookies is not sufficient. So, even if you are time-bound, it is still necessary to have an elaborate and disciplined breakfast daily.

To reinvent your breakfast routine, try bringing variations into your recipes. Search for exciting recipes online, watch videos, and bring newness to your morning meals. Along with these tips, invest in healthy habits like buying online health insurance to add the flavours of good health and financial safety to your life!

Click HERE to know more about the online health insurance you can buy.

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.

In this digital age, our professional and personal lives have all begun to gravitate toward the internet. Unfortunately, due to this widespread phenomenon, we are now more exposed than ever before to invasions of privacy and fraud. Businesses are at a higher risk of cyber attacks than individuals.

Hackers are making the best use of their mischievous minds to discover and exploit vulnerabilities in the working infrastructure of several small and large businesses. As a result, tons of sensitive digital data of users, customers and organizations, including government agencies, are subjected to threat from cybercriminals.

It's more urgent to get a solid cyber security policy in place to safeguard your business from cyber-attacks. In this article, we'll go through some pointers that will help you understand the criticality of this issue and help you take the necessary actions to get it secured right away.

Let's take a look at some common cyber-attacks first.

1. Phishing:
Phishing is when a fraudster appears as somebody else to trick individuals into supplying personal information such as credit card details. Financial institutions, Banking, E-commerce sectors are at high risk from phishing.

2. Ransomware:
This type of malware attack affects a computer or server; it encrypts files and locks them down. The attacker then demands payment to restore the files to their original state. Both private and government sectors can be affected severely by ransomware.

3. Spyware:
This is when a cybercriminal installs malware on a victim's computer; it collects their internet history, credentials, bank account information, and other sensitive data.

4. Denial of Service Attack:
Also known as a DoS attack, a hacker attempts to take down a network by flooding it with traffic to avoid other people from utilizing the service.

Why should you think about getting cyber security?

• Ample resources are required to recover from a cyberattack, with the typical breach taking 55 days to resolve. This will hinder and divert time, money, and personnel resources away from the other operations of your company.

• If your company stores a lot of personal information about your consumers, you must maintain its security so that no data of even a single user gets compromised. Customers can lose trust in your company when their valuable information is at risk in a data breach, and you can face unfavourable lawsuits as a result. 41% of customers believe they will stop doing business with a firm if their data is compromised.

Statistical overview:

• Every 39 seconds, a cyber-attack occurs around the globe.

• Cybercrime will cost the globe $6 trillion by the end of 2021.

• 24,000 malicious applications are eliminated across the web every day.

• By the end of 2021, the average ransomware request will be more than $1000.

• Only 25% of businesses worldwide have their cyber security department.

The threat of cybercrime is gradually rising. Millions of records are affected each year by data breaches, and reports of violations are increasing at an alarming rate.

It's not only about data privacy or net neutrality that needs attention; a complete change in emphasis to internet security is concerning. In the long term, taking an extra step in cyber and email protection can help businesses increase their overall productivity. You can take an extra step today by getting public liability insurance in India. This will help you cover both first and third-party liabilities caused due to online attacks.

See the best public liability insurance in India HERE .

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

The current pandemic situation has undoubtedly left us feeling depressed and lethargic. Unlike before, being stuck at home, we do not have much to look forward to, which has affected our hormonal balance. Everyone is dealing with this situation in their own way, and some of us have a hard time adapting to this change. Especially people with an active lifestyle find this switch extremely challenging.

Before it starts to take a toll on your mental state, we must find ways to cope with it. One of the ways is to boost your happy hormones to keep yourself healthy.

What are happy hormones?
These neurotransmitters have a role in mood control, pleasure, bonding, and even pain reduction. These enzymes are essential for your health in areas such as growth and development, metabolism, and reproduction. Happy hormones mainly include Dopamine, Serotonin, Oxytocin, and Endorphin.

How to boost these hormones?

1. Dopamine – the “Reward Chemical”
Linked with pleasurable experiences and a motor system function, Dopamine is an essential element of your brain’s reward system. It is nicknamed the “feel-good” hormone.
To boost it: Get plenty of rest, eat nuts, try to achieve realistic goals and spend time practicing healthy hobbies or getting soaked in the sun. Musical therapy and meditation can also increase dopamine levels surprisingly.

2. Serotonin – the “Mood Stabilizer”
This hormone assists in the regulation of your mood, appetite, digestion, learning capacity, and memory. Low levels of serotonin can land you into depression.
To boost it: Work out, or participate in a sport, consume carbs, drink milk at night, and focus on incorporating omega-3-rich foods into your diet. Mood enhancement can also boost serotonin levels. Cheer yourself up by recalling all the beautiful memories of the past. You may open an old photo album or do an activity that excites you the most.

3. Oxytocin – the “Love Hormone”
The feeling of love, affection, and being valued boost the oxytocin level; hence it is nick-named as the “love hormone.” It also helps develop trust, empathy, and bonding in relationships through deeper connections and physical intimacy.
To boost it: Get a massage once a week, take up a new hobby, spend quality time with loved ones, help someone, have a pet, or practice yoga.

4. Endorphins – the “Pain Killer”
Your endorphin levels tend to rise when you engage in reward-producing activities like eating, working out, or having a fun time celebrating even small moments. It is also a natural pain reliever produced by your body in reaction to stress or suffering. Endorphins redefine our social attachments by promoting pleasure.
To boost it: Go out for a run, eat a protein-rich meal, plan out a romantic evening, take a hot shower.

Your body remains active and energetic if your mind is refreshed and active. Therefore, boosting your happy hormones is crucial for a healthy lifestyle. Besides the suggested ways to improve productivity, you can figure out your methods to develop and boost these hormones. Find what makes you genuinely happy and pursue it often to lead a healthy lifestyle. While you are at it, do not forget to back up your physical health with insurance. Browse through our online health insurance plans to seek the best one that makes your dopamine level go high, to feel good and safe!

To find online health insurance plans, click HERE .

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