GENERAL INSURANCE BLOG

Motorbikes have been an essential mode of travel for decades now. They are not only cost-effective but also justify the style quotient. Most people like customising their motorbikes and replicating their creativity on their bikes. And, welding is one of the best ways to make customisation easy.

If you like customisation, welding is an activity you can enjoy. Instead of toying around with your motorbike to the garage, you can do it yourself. You'll not only save a few bucks this way, but you'll also have a chance to design your bike in the way you want.

If you are a beginner, fret not! Follow this article to learn more about welding. We have listed all the information that will help you get the best results for your motorcycle welding. Additionally, you should also keep in mind that your motorcycle is precious to you, and you should have bike insurance that secures it at all times. This way, even if something unexpected occurs, you'll have something to fall back upon.

What is motorcycle welding?

Welding typically refers to the fusion or culmination of two materials. Either plastic or metal can be used for welding purposes. Metal is used most commonly.

The popularity of motorcycle welding has reached new heights in recent years. Most customised bikes that grace the roads have some modified motorcycle frames created through welding. Nowadays, most people have also taken it up as a hobby to get their hands dirty and give their motorcycle a fresh look.

Tips for effective welding:

The various tips and tricks that you can follow for effective motorcycle welding are as follows:

1. Manage contamination:
The surface plays a crucial role in welding and should be prepared in advance. You should ensure that it is free of contamination, like dust, dirt, or rust. Contamination can hinder welding quality, and many issues can occur if the weld penetrates the base material altogether.

2. Heat management:
Heat management is crucial for effective welding. The thinner materials or panels can be greatly affected by heat. It can even distort several frames if they're too thin. All in all, the heat levels should be checked at all times. If the welds are out-of-position, you should weld in the uphill direction. Due to this, the heat will be distributed evenly without any issues.

3. Be prepared for pipes:
If you're a beginner at motorcycle welding, you'll probably not know about welding pipes. Pipes are used majorly for all the frames used in motorcycles. However, it is noteworthy that welding a pipe is tricky and cannot be treated like a normal weld. It is difficult to fully weld around the circumference of a pipe without committing a mistake. You can try welding the pipe separately a few times to tackle this problem. Another way is to find equipment that will rotate the pipe while your welding machine stays in place. Either way, you'll be able to tackle the pipe welding problem.

If you're a fan of experimentation, welding can work wonders for you. It is important to have a clear idea about motorcycle welding before diving into it. You should remember all the tips and tricks to derive the expected outcome. Stay alert and ensure your and your bike's safety during welding parts. Always wear gloves and a face shield to protect yourself from getting injured. You should also look after your bike's safety and ensure that you don't damage any part of the internal machinery while welding. Purchase bike insurance to compensate in case of damages done due to accidents.

Click HERE to buy reliable bike insurance to provide the best coverage to your bike.

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 youth of today believe in capturing every moment. Thanks to technology advancements, photographing a memory takes only a few clicks. With the onset of the age of social validation, clicking unique pictures is the way to stand out in a crowd. People have gone to lengths trying to capture a perfect moment. The results are sometimes outstanding and, other times, an invitation to danger. In this article, we will discuss how selfies have taken a dangerous turn in the past and how to look out for your safety while clicking pictures.

Over the years, we have seen a rapid rise in the use of mobile phones in the country. Be it for communication or the accessibility that a phone brings, people of every age group have invested in a smartphone. What comes as a shock is that India has a record number of deaths caused by selfies. News about people drawing, falling off a cliff, and car accidents became part of our daily lives.

How do we avoid these situations? Let's take a look at how.

1. Maintain a safe distance:
If you intend to take selfies on a bridge or a high-rise area, it is best to maintain a distance of a few feet to ensure your safety. The weather at such locations is highly unpredictable, making the site more challenging to manoeuvre. Avoid leaning too far, and stay away from the railings. If you want to catch the view more closely, invest in a sturdy and good-quality selfie stick that can be extended further. This way, you can rest assured that you are getting the best picture while being safe and responsible.

2. Avoid busy roads:
The roads in India are almost always crowded with people and vehicles. Everything starting from pedestrians to rickshaws and trucks, take the same road. To avoid congestion and accidents, avoid taking selfies on overcrowded roads. Not only are you putting yourself at the risk of getting hit by a vehicle, but you are also running a risk of mugging and robbing. It is best to keep your phones and cameras inside your bag for safekeeping.

3. Avoid water bodies:
The beautiful picture of water washing your feet and waves crashing from across is a sight to behold. But did you know that most selfies-related accidents occur by drowning? If you want to take images around beaches, rivers, or waterfalls, maintain a safe distance from the water. Water is powerful and is capable of dragging you with it. Being mindful of your surroundings will keep you safe and help you revel in the beauty of the space.

4. Be present at the moment:
No matter the number of selfies you take, none of them will be as meaningful as the experiences of exploring a new place. Try to interact with the locals and understand the place's culture to make lifetime memories. Explore new food options and learn how to make them, and do not forget to collect souvenirs as memories from the journey.

These were a list of simple tips that you can follow to keep yourself safe while clicking selfies. Remember that being mindful of your surroundings and taking adequate steps to ensure your safety is crucial when exploring new places. If you find yourself in situations like these, get help as soon as possible. And to cover the costs of such accidents and mishaps, invest in the best personal accident insurance India. Personal accident insurance is a smart way to safeguard yourself against accidents and the costs incurred. Stay safe and ensure the safety of people and places around you.

Click HERE to buy the best personal accident 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.

Expenses on medical treatments are usually unavoidable. All medical costs, from medications to various tests, require a considerable sum, which is an emergency crisis for most families. Healthcare costs can quickly cause worry, stress, and debt, but there are easy ways to avoid such situations. Health insurance is the best way to secure your finances. There are various types of health insurance in India for parents, partners, families, etc.

Thus, this guide will help you learn different tips to save money on medical expenses and stay in the best peace of mind.

1. Check the price of your healthcare providers and tests:
Healthcare costs differ a lot according to different providers. You can find healthcare providers' fees and extra facility charges with the cost estimator tools on your insurer's online portal. Compare the pricing and choose a more affordable option. It will make a massive difference in your pocket.

2. Know your health insurance plan:
One of the most beneficial ways to save money on medical costs is to know your health insurance plan. Carefully read your health insurance policy features and the expenses it covers. Examine whether you have a co-payment option requiring you to pay a deductible before your insurance starts to pay.
Check what and how much your health insurance in India for parents or family covers. Know the list of medications and test your insurance coverage, which can help you avoid unexpected expenses.

3. Know which medical services are free:
Per the Affordable Health Care Act, patients or people with insurance can avail of certain healthcare services for free until they are in the network. Such healthcare services are preventive services that help a person maintain their health, which may include:

● Blood pressure screening

● Vaccinations

● Diet counseling

● Depression screening

● HIV prevention medication

Some medical services are also free for children, such as eye tests, newborn blood screening, wellness visits, fluoride varnish, etc.

4. Opt for a top-up cover:
Avoid taking out an additional policy if you already have health insurance but are still looking for a higher-cost plan. You can take a top-up cover that will offer additional coverage you need with considerable savings on your insurance. However, you can do this by taking out critical illness insurance, saving money without compromising coverage.

5. Go for generic medications:
Generic medications are usually cheaper than prescription drugs. Getting generic medicines can help you save on your medical bills. But you must ensure that your health insurance plan covers your generic medication.

6. Take separate cover for your parents:
Usually, the amount of insurance in family floater cover is calculated according to the age of the oldest person. If you include your parents in the same insurance plan, it may increase the insurance premium. However, you can go for separate health insurance in India for parents, which can help you achieve savings.

7. Stay healthy:
Lastly, you can save money on medical expenses by staying fit and maintaining good health. It will help if you avoid alcoholic substances, smoking, and other dangerous things. You must invest your money in good things such as healthy food, regular exercise, staying positive, and a better sleeping schedule. You can also find a trainer who can help you exercise according to your convenience to maintain health.

Healthcare expenses can put a significant burden on your pocket. With the tips mentioned above, you can save considerable money. However, the best way to keep your money on healthcare expenses is by taking a health insurance plan with comprehensive coverage at an affordable price. Also, look for reliable health insurance in India for parents that fulfills your requirements to ensure the sound health of the entire family.

Click HERE to buy health insurance in India for parents.

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.

Many young bikers love to install pressure horns and modified silencers on their bikes to show off, seek attention, stand out in a crowd, and make their presence felt. It is their style statement and a way of saying they have arrived.

However, people around you can get distracted and panicked when you suddenly blow your high-decibel pressure horn in a crowded street. They may lose their balance and control, may swerve, and meet with an accident.

Here are the consequences of installing pressure horns and modified silencers on your bike.

1. Fines:
The Motor Vehicles Act of 1988 is an act that consolidates and amends the laws that govern motor vehicles and their running in India. According to the amendment of section 190(2) of the Motor Vehicles Act in the year 2019, causing air and noise pollution by installing pressure horns and modified silencers on your bike can attract a penalty of up to Rs.10000/- and imprisonment of up to six months. This fine will be imposed if your pressure horn or modified silencer produces more than 80 decibels of noise.

2. Functioning and mileage:
Other than attracting fines and penalties, we should also consider the consequences of installing pressure horns and modified silencers on the functioning of our bikes. Pressure horns create undue load on the battery of our bike. It can make it weak and damage it in the long run. If we have not used the bike for long and the battery is not charged, using the pressure horn in stationary mode can kill the battery. You will not be able to use the self-start option in this case and get stuck.
Installing modified silencers may sound cool, but it can worsen the mileage of your bike by around 15%-20%. Modified silencers directly impact the engine pulling capacity of your bike. You may need to go for an engine tuning too. An acceleration tuning setting of your engine due to a drop in its pulling power can lower the mileage of your bike.
Modifying silencers will also involve changing the original angle of the exhaust opening. This may increase the total length of your exhaust pipe and the number of bends in it. Both cases lead to a lowering of the velocity of gases movement in the exhaust, resulting in a higher generation of emissions. Higher emission means higher fuel consumption.
Hence, be ready to shell out more on your fuel cost with modified silencers. Also, it can damage your bike engine too in the long run.

3. Drain on your wallet:
No modification to your bike comes for free. The same applies to installing pressure horns and modified silencers on your bike. A pressure horn can cost double the regular horn in a bike or even more. Garages charge hefty amounts starting from INR 2500 and above for silencer modification of your bike.

Installing pressure horns and modified silencers on bikes is usually a style statement for the young generation. Bike enthusiasts love to fiddle with their bikes and make them look fancy. Customising the bike can make you stand out in the crowd. However, such modifications pose a negative impact on the environment and people. We should understand that high noise emission often leads to nuisance creation on the roads and disturbs people around us.

As a responsible driver and law-abiding rider, always follow the traffic rules and avoid the above modifications, which may land you in trouble. Also, be sensible to have two wheeler insurance online India to avoid any financial hassles against mishaps and accidents. Premium amounts can be easily compared between various policies and involve no paperwork. Also, it secures and covers you like any other offline policy without compromising quality.

Click HERE to buy your two wheeler insurance online 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.

In India, the majority of motorcycles lack a slipper clutch. While learning motorcycle, many people find it challenging to downshift correctly. The engine comes under stress because they typically downshift while holding the clutch, which results in the higher gear accelerating harder than the lower gear at the same speed. To match that speed on the lower gear for a seamless transfer, one should preferably rev a bit higher before downshifting. Otherwise, you would be "engine-braking," which is not an intelligent way to slow down.

The correct way of downshifting is to blip the throttle between shifts to match the revs to the speed. This is also known as revving. In this post, we are talking all about it. So, without further due, let's get into it.

How to rev-match correctly?
● As you press the brakes, hold the clutch and downshift as you start to slow down (do not release the clutch yet).

● Now, "blip" the throttle while maintaining clutch pressure to increase engine RPM gently.

● As soon as the engine starts to rev, let go of the clutch instantly.

● Don’t forget to keep carefully applying the brakes. When you downshift, the aim is to match the revs needed for the bike to move at that precise pace.

● If your bike jerks and slows down unexpectedly, it means that the engine's RPM wasn't high enough. Try to rev it up further the next time you try it.

● The last step would be to practice and practice. Getting it right the first time is not necessary. Don't give up. You will learn how to downshift with time.

The importance of rev-matching.
Now that you know what occurs when your motorbike is rev-matched, let's talk about its significance. Downshifting without rev-matching may cause a significant shock in the motor while travelling at high speeds, especially on large bikes with high horsepower output. The result will be a back wheel that hops, skips, and steps out of alignment. In a scenario like this, controlling the motorcycle at high speeds requires excellent control and precision. The shock won't be as extreme or dramatic on motorcycles with less power, but it still has the potential to cause an accident.
Matching your RPM reduces engine wear and tear, yet another crucial justification for rev-matching. The shock that results from improper rev matching puts more strain on the engine and gearbox, among other parts.

Does rev matching consume more fuel?
The forceful use of the accelerator does cause it to use somewhat more fuel, but only little than usual.
If done properly, rev-matching can assist you in downshifting efficiently and reduce stress on your engine and clutch. It's a tactic that bikers employ frequently. It's crucial to keep in mind that you don't have to match your revs perfectly at first when you're practicing. To master, like with any other ability, rev-matching needs considerable practice. You will eventually be able to tell when your engine and road speed are in sync.

Take your first step towards rev-matching today, and don't forget to be safe. Riding on roads is always an invitation to mishaps that may be a potential threat to you and your bike. Always stay alert while riding, wear a protective gear helmet, and avoid overspeeding. Do not forget to invest in the best bike insurance for an additional safety net over your bike. Buy bike insurance online today and gift yourself with benefits that will eliminate the financial stress off you during panic situations.

Click HERE to buy bike insurance online and get rewarded with effective 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.

If you are a biker, you know the importance of maintaining your bike in top-quality condition. Some people learn ways to keep their bikes on their own, while others depend heavily on mechanics and service stations to maintain their vehicles properly. In this article, we will understand the functions of one of the most vital components of a bike, the spark plug, and how to maintain and change it.

What is a spark plug?
A device that delivers electric current to the combustion system via the ignition point is known as a spark plug. A spark plug ignites and fuels the vehicle using an electric spark while maintaining the engine pressure.

What key dimensions do you need to look for in a spark plug?

1. Diameter:
The right diameter is imperative for the proper functioning of the spark plug. The wrong diameter can affect the internal components and damage the bike.

2. Reach:
The spark plug's optimal range or reach determines its ignition capacity. If the length of the spark plug is too short, it will fail the ignition. And if it is too long, it might ignite pre-emptively or get jammed and hit the valve inside.

3. Range:
The range of the spark plug is calculated by the distance from the insulator's tip to the ceiling ring. A longer distance will heat the plug and cause pre-ignition, while a shorter range results in a colder plug resulting in easy wear and tear.

4. Gap:
The distance between the centre and the grounded electrode is known as the spark plug gap. The bigger the size of the gap, the bigger the spark produced.

What are the indicators of a damaged spark plug?

1. When you stop the bike, and the engine starts sputtering or idling, it indicates a failed spark plug.

2. If you have trouble starting your bike engine, it could indicate trouble with ignition and the spark plug.

3. If you notice corrosion in various parts around the spark plug, then it is high time to change your spark plug.

4. You might have a faulty spark plug if you notice a poor fuel economy.

Various other factors are indicators of a faulty spark plug. If you notice any problem while riding your bike, it is best to take your vehicle to a mechanic and inspect it as soon as possible.

How to change a spark plug at home?

Although it is advisable to make any changes to your bike under the supervision of a trained mechanic, if you want to change your spark plug, the following list will help you with that.

1. The first thing that you need to do when changing a spark plug is to pull the cap and remove the wire. Remember to do it gently, as a sudden tug or pull can damage the connection and prevent the ignition from happening.

2. Attach the ratchet to the plug and make sure that the plug is fitting properly inside the socket. Using the ratchet, turn the spark plug till it is loose, and then carefully remove it.

3. Inspect the plug for oil and soot deposits or other damage. If the spark plug is greasy and dirty, it is high time to change it with a new one.

4. Before fixing a new spark plug, it is better to check for the range, diameter, and space of the spark plug. The exact spacing of the spark plug will be mentioned in the user manual.

5. Clean the new spark plug and place it neatly to ensure it fits properly.

6. Tighten the spark plug and put the cap back on.

These were the steps you need to follow when you want to change the spark plug of your bike. Remember that if you notice any abnormality with your bike and experience trouble while driving, it is best to get it checked by a mechanic. Invest in bike insurance to safeguard yourself against the cost of repair and maintenance. Bike insurance adds value to your bike and helps you gain a better riding experience with more focus on security and less financial stress.

Click HERE to buy 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.

Maintenance workers are a highly underrated and neglected section of any organisation until a problem arises. Their day-to-day work requires many risky tasks as they have to come close to machinery or processes and repair them.

Such activities may include the disassembly and reassembly of complicated machinery. The chances of accidents are always high for them as maintenance activities are usually unplanned and involve the possibility of human error.

Let us learn about the best tips for ensuring the safety of maintenance workers.

1. Plan and stick to a schedule:
Maintenance activities should always be planned in advance so that workers get time to do a risk assessment and be mentally prepared for it. A regular safety check schedule should be put in place so that the maintenance workers know in advance the potential hazards of the task.
The tools and personal protective equipment (PPE) should be checked for safety on a routine basis. Proper planning and making a schedule for safety checks will also help the maintenance workers to sharpen their work skills according to the specific needs of the task.

2. Authorisation:
The proper authorisation should be in place for the operation of critical machinery. Only a few should have authorised access to critical work areas or permission to go near critical and complicated machinery. Power should be turned off when the machines are not working. The proper authorisation will ensure that no one turns on machinery or part of it while the maintenance workers are working on it.

3. Appropriate equipment:
The management should ensure that the maintenance workers have the appropriate equipment to perform their tasks. The workers should also consistently check on their equipment, whether a small drill machine or a welding machine. It should not happen that equipment fails to operate while performing a maintenance process and puts the worker and his team in danger.
The management must also ensure that they constantly upgrade and modernise the equipment to match the need of the hour and are not obsolete.

4. Working as a team:
Maintenance works are usually sudden and critical in nature. They come up when something important, such as the main production process, has stopped. The maintenance workers should work as a team because a lack of coordination in maintenance activity may lead to accidents and injuries.
The team should follow all the required safety processes and protocols. Also, they should do a thorough after-use check of all the critical equipment and tools they use. This will ensure the tools are fit for the next maintenance assignment.

5. Final checks and inspection:
The maintenance workers should thoroughly inspect the repair work they have performed. They should do a trial run of the machine only after they are fully satisfied with their work and are sure that everything is back in order. This will ensure their safety as otherwise, they may meet with an accident in case of incomplete repair work.

Maintenance workers are an essential part of an organisation's workforce. They put their lives at risk to fix the errors and bring back life to the stopped processes. While ensuring the safety of the maintenance workers, any company must also go for public liability insurance. It will protect the company if any third-party liability arises from accidents, injuries, or property damage.

Public liability insurance prices vary with a business's individual needs and the scale of its operations. One should compare the prices of policies available with different service providers and then make the purchase decision accordingly.

Click HERE to learn more about public liability insurance prices 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.

Purchasing a vehicle is a big decision. It takes lots of planning, comparison of available options, and budgeting to arrive at the final pick. This applies to both cars and two-wheelers. Despite being significantly smaller and cheaper than their 4-wheeled counterparts, the extensive options in the market make it a tough choice for two-wheeler buyers. The ultimate decision depends on the budget and purpose of purchasing two-wheelers.

While it is mandated to buy two wheeler insurance India before hitting the road, once the paperwork is ready, all that’s left is for you to enjoy comfortable rides!

But there is one more piece of information you need to be aware of, i.e., Motorcycle Break-In. Does break-in sound unfamiliar, or are you wondering about its need? We’ve got all your questions covered below!

What is the breaking-in period?

The breaking-in period lasts for the initial 800 to 1600 kilometres for which the two-wheeler is driven. In simple words, it is the period it takes to get the new motorcycle running at its smoothest and allow the rider to get used to the vehicle.

Why is it necessary to break-in?

Breaking-in may seem like an unnecessary classification of a period that you can do away without any consideration. However, how the bike is operated initially impacts its running in the long run.

When a motorcycle is produced and advertised for sale, it goes through strict inspections and quality checks that guarantee the end user of its useability and safety. The main component of the bike, the engine, is fitted with several small parts that glide together smoothly to result in a perfect performance. This is facilitated by the ideal compression ratio, which is only possible if the engine fuel does not spread over the engine walls. Breaking-in correctly ensures that the piston, valve, cylinder walls, and piston rings generate friction such that a tight seal prevents the leak of fuel.

The benefits of proper breaking-in can be summarised as follows:

1. Lower carbon emissions

2. Optimised fuel usage

3. Longevity of engine life
 

The don’ts of two-wheeler break-in.

1. Don’t ignore the manufacturer’s instructions and take the word of other self-proclaimed experts.

2. Steer clear from rash driving under the false pretext that it would benefit your engine. It will only accelerate wear and tear and make the bike risky.

3. It is legally enforced to buy two wheeler insurance India immediately upon purchasing the vehicle before it is used. Ensure that you do not start the process without insurance.

The right way to ride your two-wheeler in the break-in period.

The proper technique of breaking-in subjects the engine to different stress levels such that the components adapt to each other and develop friction between themselves to create the perfect seal that prevents fuel spills. If the manufacturer has provided instructions, follow them to derive ideal results. In the absence of such instructions, follow the below-stated steps:
● Identify a comfortable stretch that allows shifting speeds and gears. Empty roads or highways are ideal

● Stick to the max speed of 50 Km/h and strictly ride without a pillion

● Use at most 3/4 throttle

● Alter gears with increasing speeds and do so gradually

● Ensure gradual breaks or acceleration instead of jolts

● Constantly monitor your bike’s engine speed and pay attention to your gear engagement to prevent motor lugging

● Allow your bike’s engine to cool down every 30 minutes while breaking-in to allow it to retain its shape

You can ensure a perfect break-in by keeping the above points in mind and following the instructions in your two-wheeler manual. Before you start the process, ensure that you buy two wheeler insurance India to protect your bike against any damages.

Click HERE to buy the best two wheeler 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.

The human body is the basis of all sustenance. All your organs are arranged in a highly complex manner and have been connected to derive energy from each other’s functionalities.

Every day, thousands of scientists across the globe conduct further research, trying to discover new things about the body which help us thrive even in the worst of circumstances.

You might have read about human anatomy in your school and college, but we bet there are many weird things about the human body that you might not know. Intrigued? Here are some strange facts about your body that you should know. Let’s get started.

1. Did you know that babies have 300 bones during birth instead of the usual 206 bones that develop over time as you grow older? A baby’s bones are delicate, and their bodies have bones half-made of cartilage.

2. The longest bone of your body, called Femur, is located in your upper leg and can manage almost thirty times your body weight.

3. The saliva your body makes every day, if collected for an average lifetime, can fill up to twenty thousand litres, roughly accounting for two giant swimming pools.

4. Almost twelve percent of people dream of monochrome (black and white). This had significantly reduced from fifteen percent before colour televisions and media took over. It is quite intriguing to observe how colour media has influenced the dream patterns of human beings apart from other impacts they have caused on our lifestyles.

5. You are more prone to heart attacks on Mondays due to the sudden stress you face as you get back to work. Your body gets a little relaxed over the weekend, and the pile of work at the beginning of the week creates sudden tension in your body. Plus, having excessive alcohol in your weekend plans makes your body vulnerable to heart attacks.

6. You are usually taller when you wake up in the mornings! This happens due to the compression of bones’ cartilages during the day. So, the body relaxes at night, and you are a little taller in the morning. An ode to gravitational force, it seems!

7. Ever wondered why permanent tattoos are so hard to remove? That’s because they are ingrained in your nerves and not on the top layer of your skin. Permanent tattoos take their space in your immune system, so lasers must be involved for their removal. Using lasers kills the cells, and the remaining ink released is processed by macrophages, which also helps heal the laser injuries. The tattoo takes a few sessions to start with the fading process.

8. See your hand. You see that little finger, or as you call it, your “pinkie” finger? Research has found that the maximum strength of your writing lies in your little finger, and you would lose fifty percent of the power if you lost that pinkie. Who would have thought?

We hope these facts amazed you and catered to your curiosity about your body. And while we are on the subject of strange facts, we must not forget that health is wealth, and if health is lost, nothing stays the same. You must take good care of your physical and mental health by eating right, staying safe, exercising, etc.

Also, you must stay prepared for unforeseeable circumstances you might find yourself or your loved ones. There can be no better investment than investing in your health. If you are in the best of your health, you can achieve all your aspirations and get the maximum returns. Health insurance is the right way to approach such situations. Explore your options and purchase the best health insurance policy in India which best suits your needs and provides comprehensive coverage.

Click HERE to know more about the benefits of the best health insurance 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.

Monsoon is here, and it is the much-needed respite from the scorching heat of the summer months. A hot cup of tea and a bowl full of crispy fried fritters are a great accompaniment to the pouring rain. But as refreshing as the monsoon rains are, the hindrance it causes to people's daily lives is inevitable and frustrating.

Rain brings many issues: power outages, poor internet speeds, flooded roads, and delayed meetings. We will look at the few ways you can tackle flooded roads and how to drive through the heavy downpour safely.

1. Do not stop:
If you are in a flooded area, waiting for the rain to pass might not help. Chances are, the rains will get heavier, and the roads will be filled with more water. Under these circumstances, it is best to keep moving steadily. Do not accelerate quickly or halt suddenly. Water entering the crevices inside the car's chassis can affect the car's functionality. If water gets to the engine through the exhaust, you might have to change the engine altogether, which can be quite expensive.

2. Brakes and pumping:
Once you are out of the water-logged area, it is best to pump the brakes to eliminate any residual water that might have collected. Water or humidity in the brakes can affect the efficiency of braking.

3. Maintain a safe distance:
Being neck to neck with vehicles can be extremely dangerous when navigating through flooded roads. The vehicle moving ahead causes ripples that raise the water levels around your car. This can lead to the water entering the exhaust or the air intake.
Also, navigating through water-logged roads is very difficult, and one might not be aware of any potholes or bumps on the road. Sudden bumps can push the vehicle back, damaging the front of your vehicle.

4. Figure out alternate routes:
Although it is best to stick to familiar roads, in case of floods and rains, you might consider taking an alternative route. Not all routes are flooded equally, as some roads might have better slopes and drainage systems. Even if it's a longer route, it will be better for you and your car.

5. Do not panic:
Being stuck inside a car and unable to move can be daunting and create panic. Focus on getting to a safe place. You might not be able to open the door because of the force created by the water around your car. Under such circumstances, use any tool to pry open the windows.
Look for any tools that are easily available under your seat or inside the dicky. Tools such as jacks, wheel wrenches, and spanners are readily available inside your car. Do not try to break the windshield as they are harder to break than windows.

These are a few things that you need to keep in mind while driving through flooded roads. Once you are out of the situation, it is best to take your car to a service centre and get it checked for any damage. Repairing these can be expensive, but you don't have to worry about the expenses if you are insured by the best car insurance in India. Possibly opt for travelling by public transport during monsoon. It may sound daunting, but it is a wise option to commute rather than getting stuck in the middle of the road due to the breakdown of your vehicle.

Click HERE to know more about the best car 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.

Owning a business is a challenge, but with the right mindset and efforts, you can make the most out of it. Whether a small store in a quaint locality or a well-known brand with multiple branches, it takes time, capital, and decision-making to scale a business and generate profits. Irrespective of the nature and size of the business, an essential feature is customer service for its growth.

Whether a service provider or goods dealer, most of the business' work relates to relations with outsiders. Whether directly or indirectly, most businesses benefit from strong connections with suppliers, dealers, and customers. Since these stakeholders frequently visit your business premises, it is necessary to make your store safe.

Purchasing public liability insurance in India is a practical investment to prevent your business from shouldering the burden of injuries and damages to third persons on your business premises. Coupled with our tips to make your shop safe, you can guarantee the safety of customers visiting your office or store.

1. Security supervision systems:
Installing an effective and advanced security system is key to securing a store. This includes CCTV cameras outside to capture the exterior for any suspicious movement and abnormalities. Inside the store, these cameras should be placed at junctions to give a complete view of the shop. This prevents burglary attempts and also helps identify mishaps at the earliest.

2. Automated door and window sensors:
Automatic sensors on or near entry points like doors and windows are necessary to prevent unnoticed entry into the store. Additionally, they also help limit access to risky areas within the store. For example, specific storage space or cold room should be out of bounds for non-employees. The easiest way to ensure this policy is by setting up systems that instantly alert the proprietor.

3. Practical stocking of goods:
If you run a store dealing in goods, displays are essential to your store layout. If stocked improperly, customers risk getting injured due to falling goods. You must settle these cases at the earliest. Ensure your employees are well-trained to prevent such situations.

4. Hazardous goods in the store:
Depending on the nature of the business, you may have to store some hazardous substances like chemicals, manufacturing, or electrical parts intended for sale but of risky nature. It is essential to place them at a height that is not accessible to children. For added security, take cautionary notice around such goods to alert customers of potential risks.

5. Maintaining hygiene:
Keep your stores safe for customers. This includes regular cleaning to prevent slipping, sanitisation to avoid infectious diseases, and to provide a safe experience for them. Wherever required, ensure that anti-slip mats are placed and that any wet aisles have precautionary notice boards nearby.

6. Parking and storefront safety:
Parking areas and storefront space are also included within the limits of your place of business. While the above mentioned methods can keep customers safe inside the store, these external areas should also be accounted for. Ensure that the parking space is well-lit with clear directions. Wherever possible, use tactile pavements instead of smooth pavements or slopes to prevent customers from slipping in unfavourable weather conditions.

While there are some tips you can follow as extra precautionary methods to make your store safe for customers, the first thing you must consider is purchasing public liability insurance in India. It covers damages and injuries caused to a third-party or third-party property on the insured's business premises. It eliminates the liability on a business to compensate for accidental mishaps, which may take up huge bills. Public liability insurance in India is a valuable option that limits a business' liability to outsiders when damages happen by accident.

Practice these tips and make your shops a convenient and safe place for customers to enjoy shopping while being at peace. The better you serve your customers, the best outcomes you will get from your business.

Click HERE to buy public liability 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.

Monsoon is here, giving us the perfect opportunity to take ourselves out on a drive and snack at roadside eateries. But it also brings the many challenges of navigating through heavy rain, congested roads, and low visibility. Adding to that are the fogged windscreens making driving more challenging on the roads.

When a relatively warmer surface comes in contact with a cold surface, it gives rise to fog or mist. The cold surface of the windscreen forms tiny condensation particles and fogs up the surface obstructing the vision for both the driver and the co-passenger.

A foggy window should not be the reason to dampen your monsoon spirits, which is why, in this article, we will take a look at all tips and tricks that you can follow to ensure a fog-free windscreen for a better driving experience.

1. Invest in a good quality defogger:
As the name suggests, it is used to defog the car windscreen. A defogger uses the air conditioning to draw air from outside the vehicle and passes through a heater to produce hot air. This air can be directed to the area that requires demisting or defogging. Many cars facilitate the defogging targetted towards the front and back windshield.

2. Turn on the air conditioner:
The basic principle behind using an air conditioner is its function as a dehumidifier. An air conditioner helps with removing the moisture inside the car. Manage the temperature on the air conditioner in such a way that the temperature inside the car and outside the car is similar. The AC can then draw air from outside. After this, you can turn on the heater to effectively clear the fog.

3. Crack open the window:
Most modern cars are equipped with a defogger and an AC. If you drive an old car, or your AC and defogger are not working correctly, you might have to consider an alternative.
In these circumstances, your next best alternative is to crack open the window slightly to facilitate the free flow of air. Another way to ensure no fog on the windscreen is by switching on the wipers while keeping the windows open since the fogging happens mainly on the outer surface of the windshield.

4. Use silica balls:
The fogging inside your car happens because of water droplets and condensation from the humid air. Without humidity, there are almost no chances of fogging. Keeping silica balls handy and placing them on the dashboard is a cost-effective alternative to ensure no humidity. Silica balls absorb water from their surroundings, maintaining the interiors fresh and moisture-free.

These were a list of simple yet efficient tips to follow if you face foggy windows during the monsoon drives. Foggy windows can be dangerous and cause severe accidents due to lack of visibility. These simple tips are essential to have a safe driving experience. Another way to ensure their safety is by investing in online motor insurance. Online motor insurance acts as a safety net against expenses you might incur in post care for your vehicle. Enjoy the perks of buying online by getting better premiums, faster claims, and less processing time.

Click HERE to buy online motor 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.

As winter marks its arrival in India, planning trips with your friends becomes exceedingly essential. India is a country with diverse landscapes, sceneries, and cultures. This makes it exciting for bike trips, and there can be no better season than winter to explore. Bike trips give travellers a chance to discover the unknown.

The lush green surroundings, mountain passes, or scenic landscapes are perfect for exploring via bike. These trips become fun and safe if you've good company and reliable bike insurance.

Can you imagine where to set off this winter? Here's a list of the best biking destinations in India during winter to get you started.

1. Guwahati to Tawang:
Renowned as one of the most beautiful biking tours in the northeast, the Guwahati to Tawang route is a thrill in itself. The route is stretched over 500 km and becomes all the more scenic during winter for biking. Tawang is famous for its Buddhist monasteries and distinctive culture. On the other hand, Guwahati is beautifully cuddled between the Shillong Plateau and the Brahmaputra River.
The surroundings are breathtaking, with mesmerising valley views. The lush green landscapes of Tawang form a beautiful yet intricate contrast with snow-covered mountains encompassing the biking route.

2. Mumbai to Goa:
Goa always tops the winter bucket list of travellers and adventure junkies to explore its vibrancy, especially during the famous Goa Carnival and Christmas. And there can be no better way to travel to Goa than a bike trip with friends. The route through the Western Ghats and the scenic roads of the Malvan region is a delight to experience.
The gentle wind softly kissing the cheeks and mesmerising views taking your breath away are some common experiences you will enjoy on your trip to Goa. The distance from Mumbai to Goa is nearly 590 km, and it may take around 12-14 hours to reach there. If you love nature and beaches, this biking trip in winter will touch your heart and soul.

3. Bengaluru to Kolli hills:
The panoramic hill station will take your breath away while moving from the Western to Eastern ghats. The road from Bengaluru to KolliMalai is both adventurous and heartwarming, with around 70 continuous hairpin bends and the serene sight of the Agaya Gangai waterfalls and historic temples on the way. The distance from Kolli hills to Bengaluru is roughly 287 km, and the journey is worth experiencing.

4. Jaipur to Jaisalmer:
A bike trip to Rajasthan during winter can be a good exploration. The weather is favourable for the bikers to drive continuously for hours without any fatigue. One such route to explore in Rajasthan is from Jaipur to Jaisalmer. From the heart of the Pink City to the charm of the Golden City, this bike ride offers various offbeat experiences that are one-of-a-kind.
The distance is roughly 558 km, and the time taken is around 11 hours. From surpassing beautiful local villages, expansive desert views, and long roads to discovering the colourful Rajasthani culture along the way, this bike journey should be on your wishlist for winter travel.

There are myriad options to consider if you want to take a biking trip during winter in India. These trips become all the more fun when you are in the company of your friends. With India's diverse landscapes, you will surely have the best time of your life.

You must take the journey only if you are an expert driver, as these roads can be tricky. Additionally, you should also have bike insurance so that you have it all covered even if things go wrong. Ensure that your bike is serviced thoroughly before setting off on your trip. The bike’s performance gets impacted, and the mechanical parts jam in extreme winter conditions. Regularly check your bike’s condition during your trip to ensure its smooth working. Also, invest in good quality safety gear and helmet to stay safe while touring rugged terrains. Lastly, enjoy every bit of the journey and conquer new milestones.

Click HERE to buy bike insurance before planning your next winter trip.

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.

How often are we stuck behind people scared to use the escalators, or are we the ones scared of escalators? Getting on the escalator can be daunting the first few times, but once you get the hang of it, it is easy and a more convenient way to traverse different floors. If you are worried about escalator safety, this article is just for you.

We will talk about everything you need to take care of around an escalator to make it easier and safer for you. Before understanding the safety measures, let’s examine some key points concerning an escalator.

How does an escalator work?
A set of interlocking steps looped around a pair of gears is made to rotate so that each step oscillates between different building levels.

What are the different parts of an escalator?
Inlet guards: A protective guard made of rubber that fits on the handrail to avoid fingers or other parts from getting caught in the handrail opening.
Operating panel: Switches that operate the functionalities of an escalator located near the boarding and landing parts of the escalator.
Sprocket: The wheels installed at the lower and upper parts attached to the steps are known as sprockets.
Truss: The support system of the entire escalator is known as a truss.
Balustrade: The part of the escalator that goes beyond the steps, including the guards, panels, handrails, and the deck board, is known as the balustrade.

What are the common escalator hazards?

1. Contacting the moving parts:
It is imperative to ensure that all the mechanical parts are adequately covered and are inaccessible to people. Little children tend to touch or hold the moving parts, crush their fingers, or scrape the surface altogether. Remember to hold on to the railings lined with the rubber casing and leave the railing as soon as you reach the standing deck on the escalator.
Don’t use phones or being distracted while on the escalator to avoid accidents. If you are with kids, be mindful and tell them beforehand about the dangers of touching the different moving parts of the escalator. Before getting on to the escalator, check that your shoe strings are tied properly to avoid getting caught between the steps.

2. Collision:
Leave a gap of at least one step between yourself and others on the escalator. Sometimes, people can take longer to get on or off the escalator, raising the chances of a collision. Never place your shopping bags on the stairs ahead or behind you.
This can create confusion and lead to a crash. If you have a lot of bags, it is best to keep them on the same level as yours so you can easily remove the bags off the escalator before getting down.

3. Step carefully:
Before stepping onto the escalator, ensure it is moving in the same direction you want. Step carefully onto the moving band. One key rule to remember is to avoid standing in lines on the escalator. These lines separate into different steps as you move forward and might lead you to topple over to the back.

These are a few things that you need to keep in mind before boarding an escalator. If you are with kids or older adults, hold their hands so that they can keep their balance. If you see elderly people trying to get onto the escalator, offer a helping hand. Escalator accidents are familiar sights in crowded areas but being mindful of your surroundings will keep you safe.

All that said, these situations can be completely unpredictable, and it is best to safeguard yourself in these circumstances with the best personal accident insurance policy in India. Personal accident insurance is the safety net you deserve to help yourself and your loved ones cover the costs of any accidents.

Click HERE to buy the best personal accident insurance 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.

Health insurance in India covers the costs of hospitalisation, medicines, and doctor consultation fees that can arise from any illness, disease, or accident. It has become more of a necessity because of our eating habits, the lifestyle we lead, and the risks of accidents. Such insurance removes the sudden financial burden you may face due to an accident or the need for expensive surgery.

However, not all is good, even if we have insurance coverage. Here's what you should know about insurance while scheduling surgery.

1. Coverage and limit:
The cost of surgery depends on its type and complexity. While a knee-replacement surgery will cost us around 1.5-2 lakh rupees in India, a more complex surgery such as a bypass surgery can cost upwards of 5 lakh rupees. You should first consider the total insurance coverage you have, keeping in mind the type of surgery you plan to undergo.
Your insurance policy will only cover the policy amount insured. You will have to bear any additional cost incurred in the surgery over the limit prescribed by your policy. Hence, you should be financially ready and arrange the funds accordingly.

2. Waiting period:
Any insurer does not provide cover from the first day your policy starts. The insurance company prescribes a waiting period, after which they will start providing you with the coverage benefits. This waiting period is not specified by any government agency. It depends on the individual company and the illness.
For example, the waiting period for any surgery arising can range from 1-2 years. The waiting period can be as high as four years if you declare a serious pre-existing disease when purchasing the policy. The insurance company will not reimburse you for any surgery scheduled during the waiting period.

3. Surgery insurance plan:
Insurance companies nowadays provide specific "surgery insurance plans," too. You can buy such a plan in case you intend to schedule surgery in the near future. However, you should first check the list of surgeries that your policy will cover.
Next, make sure your sum insured is adequate to cover all the costs related to the surgery. This includes the cost of surgery, hospitalisation, medicines, doctor fees, etc. You should also confirm the waiting period and the exclusions under your policy and assure yourself that your surgery will be covered under it.

4. Cashless claim:
A cashless hospitalisation facility settles your hospital bill without having to pay any cash at the time of discharge. Insurance companies tie up with hospitals and directly settle your bill with the concerned hospital.
Whenever you plan to schedule surgery, make sure the hospital you choose is one of the network hospitals of the insurance company. You can enjoy a cashless treatment facility there. You will not have to worry about paying the hefty bills and getting them reimbursed by your insurance service provider later.

Health insurance in India is extremely helpful when planning a necessary and expensive surgery. It removes the stress of arranging immediate finance for the surgery when you are already reeling under the stress of getting it done.

You should always go for the best health insurance in India available in the market. Its terms and conditions regarding the coverage and payout must be clear. The insurance policy should act like your saviour in difficult times. It should not be an additional burden on you when filing the claim during surgery is delayed or difficult. Also, it should be economical to fade away your financial stress.

Click HERE to buy the best health insurance in India policy to keep you and your family safe from health adversities.

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.

India is a diverse nation with many beautiful surroundings, sceneries, and landscapes. Due to this spellbinding canvas of experiences, it has a flourishing tourism industry to make every occasion come alive. People from far and wide visit India to witness its monuments, lakes, forts, palaces, mountains, valleys, and cultural bliss.

Many terms are going the rounds for Gen Zs and Millennials who have a zest for travelling in and around India. The words like backpacking and flashpacking are thrown around like confetti. But what exactly do they mean? More and more travellers are turning towards flashpacking with time. If you're also one of them, this article is for you.

Amidst all this, you must have personal accident insurance India to help you stay secure and safe when you travel to explore new destinations and discover rare experiences.

What is flashpacking?

Flashpacking is one of the most travel-related terms in fashion and making the news right now. You may be familiar with backpacking which deals with travelling to far and wide places on a budget. It is usually done solo to explore more areas of the country. Backpackers mostly stay at hostels and enjoy the local street food. Everything is done keeping a tight budget in mind.

On the other hand, flashpacking is described as backpacking on a better budget. It refers to solo or independent travellers with more money to spare on their travels. Unlike backpackers, this expenditure is spent on the best food chains and boutique hotels. They want to explore every nook and corner of the country with added luxury and comfort.

What are the pros of flashpacking in India?

There are a variety of advantages of flashpacking in India. Since you will not have a tight budget to adhere to, you can enjoy it to the fullest. Some of the widely known advantages are:

● You can stay at the best, most comfortable, and luxurious hotels that offer magnificent views. For instance, if you're in Udaipur, you can book a hotel overlooking Lake Pichola.

● You will get a peaceful sleep in your comfortable bed. You will not share a room or stay in the dormitory, which can disrupt your sleep and cause other distractions while you try to enjoy your solitude.

● Since you'll be exploring the best food joints in the place, you'll never sleep on an empty stomach. Further, the options are deemed to be delicious as there is no shortage of funds.

● You can also travel comfortably in cabs or motorbikes without having to hitchhike or wait for your next ride.

Tips to make flashpacking trips memorable:

There are many tips and tricks that you can consider while flashpacking as an independent tourist in India. These are:

● Make sure you research and plan before embarking on your flashpacking trip to India. You can consult a travel agent or company that has enough resources for the same.

● Book your flight or train tickets in advance to avoid problems later.

● Do not force too many places in a single day. With no budget limitation, you can prolong your trip as long as you want without any worries.

● Ensure that you have enough information about the entry time, fees, and mode of travel for a particular place you want to go to.

● Carry all the essentials like medications, sunscreen, masks, sanitiser, snacks, and so on.

● Book the best hotels with a view well in advance, so you do not have to worry about having a luxurious stay.

● Choose the best and most well-researched places to stay in the city.

You should consider many things before you plan a flashpacking trip in India. You should take all the necessary precautions and also have personal accident insurance India to cover the medical expenses in case of emergency. India welcomes several once-in-a-lifetime experiences and moments you can cherish by setting out on tours to the country's diverse retreats.

Click HERE to buy personal accident 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.

Your bike is probably your favourite asset. Everything from grocery runs to those weekend trips; your bike is always at your beck and call. But what if someday, your bike breaks down in the middle of nowhere? What will you do? Your bike could break down for various reasons such as your battery dying, punctured tyre, malfunctioning brakes, etc.

A vehicle breakdown can be one of the most panic-inducing situations, and keeping your mind together to find a solution becomes challenging. Not only does it leave you stranded, but it also compromises your safety and makes you more susceptible to mugging and robbery.

Let's discuss a few things you need to do in case of a bike breakdown and how to avoid panic and confusion.

1. Move to a safe location:
Your vehicle generally gives you signs of breakdown way before it happens. Driving towards a safe spot is best if you feel like your bike might give up soon. Bus stops, supermarkets, and petrol pumps are some examples of safe spots that you can opt for. If your vehicle has already died out on you, you might have to push the vehicle further.
The main idea behind locating a safe location is to ensure your safety. You have to stay away from traffic to avoid a collision. You can also call your mechanic or service provider for immediate assistance once you are away from the road.

2. Secure the bike:
After reaching a safe spot, shut the engine off. If you can understand the issue, you can take the necessary action. However, if you don't know the problem, keeping a safe distance from your bike is best. However, stay close enough to have a clear view of the bike. Remember to keep your RC, driving licence, and all the other essential documents handy with you at all times.

3. Stay visible:
It is best to keep yourself visible to other pedestrians and commuters if a breakdown happens at night. Use blinkers or hazard lights. Whenever riding at night, it is best to wear high-visibility jackets. Use anything readily available around you, such as signs or cloth, to use as flags or signals for others.

4. Tools and repairs:
A repair kit comes extremely handy in case of a tyre puncture, dead battery, or failed brake system. Learn to use tools so that you can fix the basic issues that your bike might be facing. Fixing a tyre, jumpstarting a bike in case of a dead battery, etc., are skills that will be helpful in situations like these.

5. Invest in two-wheeler insurance:
The breakdown is one of the situations that help us understand the true value of insurance policies. Before embarking on trips, ensure to buy two wheeler insurance online India and regularly keep it up-to-date. Look for options that give you roadside assistance.
Under this cover, your insurance provider is bound to bring help to you wherever you are and help with the repair and movement of the vehicle from the site to the service centre. Getting roadside assistance strengthens your overall insurance policy and safeguards you against situations like these.

These were a list of all things you need to do if your bike breaks down in the middle of a road. As mentioned, it is imperative to keep yourself away from traffic and call for help as soon as possible. Talk to your insurance provider to understand the next steps that need to be taken and ensure the validity of your two wheeler insurance online India. With these things in mind, you can avoid panic and keep yourself and your bike safe.

Click HERE to buy two wheeler insurance online 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.

Directors and officers of a company are vulnerable to being sued by several disgruntled entities, such as shareholders, employees, vendors, creditors, investors, etc., due to wrongful acts or misdeeds while managing the company. Directors and Officers (D & O) liability insurance protect against such lawsuits. The legal environment is complex, and such insurance helps to cover the high cost of lawsuits.

The policy protects the personal assets of the Directors and their spouses. It also protects the company by covering the legal fees, settlement costs, and any other costs that the company might incur while defending the lawsuit.

Reason for suing:

The directors and officers can be sued for several reasons while performing their company duties. Some of the common reasons are:
● Misuse of company assets and funds

● Misrepresentation

● Financial loss to a stakeholder due to a breach of fiduciary duty

● Errors in reporting

● Violation or theft of Intellectual Property Rights

● Lack of corporate governance

● Poaching of customers/ employees of the competitor

What acts are not covered under the policy?

Such policies generally do not cover acts of fraud, criminal activities, and illegal profits made by the directors and officers while performing their duty and acting on behalf of the company.

The process:

An unhappy person or company may decide to sue the director or officer of the company in court if they fail to perform their duty. This will generally happen when someone suffers losses due to their conduct or action.

The company's manager and legal/ risk department will be informed of the case, which they will forward to the insurer. The insurer will cover the claim if it meets all the terms and conditions of coverage. The defence costs, as well as the financial losses, will also be covered if they lose the case.

Exceptions:

The insurer will deny settling the claim if the company does not disclose material information or provides inaccurate facts.

Most of such policies contain a clause known as 'insured vs. insured exclusion'. Under this clause, the insurer will not settle a claim if the directors and officers sue the company. This ensures that the company cannot profit from deceit or conspiracy.

Coverage:

A Directors and Officers liability insurance policy protects the personal assets of the directors and officers in case a stakeholder or a third party sues them. Their company may not be in a position to indemnify them if the claim amount is big and it does not have the required resources. In such a situation, the insurer will pay the litigation costs and protect the personal assets of those involved.

The insurer will reimburse the company for the legal costs if it has already granted indemnification to its director or officer. Such a policy provides coverage to the company, too, in case it is sued.

These policies usually cover the company's present, past, and future directors, managers, and officers.

The dilemmas:

This is a typical type of insurance coverage and generally comes with a long list of terms and conditions. Hence, it brings with it a lot of questions and dilemmas for the buyer. The company has to decide how much should be on the cover, what deeds of its employees are included under the cover and what is excluded, whether it is a good option for a Small-to-medium sized company (SME), etc.

A Directors and Officers liability insurance policy has become very common with big multinationals in India. Every sector is opening up to such policies- public, private, or not-for-profit. This is why public liability insurance India is gaining importance. Policies are being tailored for small and medium enterprises as well because of their huge number in India.

The cost of litigation is very high, and one court case can cripple an organisation's financial resources. However, the penetration is still low at present, and a huge potential exists in this sector.

Click HERE to buy public liability 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.

Have you ever wondered what an astounding invention your automobile is? How smoothly it moves across the roads and takes a U-turn with grace is truly mesmerising. Let’s unravel some interesting facts about cars that you might have heard or might be learning for the first time.

1. Do you know about 1 billion cars are plying on the roads currently? This number is only expected to double in the next 20 years, with the increasing usage of vehicles on the street. That means, if you get out of your house at any given point of the day, you are sure to spot at least 100 cars in 10 minutes hurtling down the roads going on with their busy days.

2. Have you seen those old cartoons where a car runs upside down at unbelievable speeds? Well, it’s not unbelievable anymore! This reality has been achieved by supercars and Formula 1 cars with modern technology. Theoretically, a formula 1 car could easily be driven upside down at high speeds.
While experimenting with this remarkable phenomenon, the critical calculation is the optimum speed required to produce enough traction with the road surface, so you don’t fall off due to gravity. You might have to maintain a speed of 130 miles per hour, or you could go right back down!

3. Most people have a fear of travelling by planes. The dire news flashes about the various plane crashes and the massive casualties do not help. But it’s shocking to note that the probability of getting killed in a plane crash is much lower than in a car accident. The odds of dying in a plane crash is 1 in 11 million, which is ludicrous compared to the 1 in 5000 in car crashes.

4. Do you sometimes imagine being an astronaut, going on the moon, and spacewalking to your heart’s desire? It is a far-fetched dream for most, but an interesting fact is that if you could ignore all the rules of physics for a month and drive a reasonable 100 km per hour, you would cover the distance to the moon in your sweet ride.

5. For those who have a hard time staying under the speed limit and crave a little thrill while driving, the first speeding ticket was issued in 1902 to a person driving at a scandalous speed of 70 km per hour.

6. A heartwarming fact for nature activists is that nearly 80 per cent of an average car is recyclable. This means that there is significantly less plastic waste generated by the automobile industry, as automotive recycling is one of the biggest industries in the world at the moment.

7. It seems ridiculous that people once used to have horse carriages instead of cars. What is even more interesting to note, however, is the fact that cars have evolved from horse carriages. For instance, a dashboard in the olden times would prevent the driver from getting muddy by the horse’s trotting!

8. Ethanol, used as car fuel, is made directly from sugarcane.

9. How often have you been frustrated about your car breaking down in the middle of the road? It seems almost understandable when you know that a car has nearly 30000 unique parts! It’s a miracle it doesn’t break down more often. So, it is undoubtedly best to research and buy car insurance online to stay stress-free about your vehicle.

10. A woman by the name of Mary Anderson invented the windshield wipers in 1902 and was soon granted a patent.

For many, the car is simply a means of commuting. But for car enthusiasts, their car means much more and is nothing less than a family member. But with the constant hustle and bustle of city life, it becomes tough to maintain your car as it’s supposed to. Regular servicing and maintenance are required to keep your car in the best shape.

Insurance is the best way to manage your finances efficiently, from ensuring the fitness of each mechanical part to the overall appeal of the car. Switch to digital transactions and buy car insurance online to avoid a hole in your wallet due to these expenses. You just need to regularly check your insurance policy and keep it up-to-date to prevent the policy from getting terminated.

Click HERE to buy car 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.

With a significant emphasis on laborious work that yields marginal returns, there is no alternative to physical effort. As the intense nature of work causes accidents routinely, and the risk of mishaps continues, making personal accident insurance India is a necessary investment.

One of our body’s most overlooked and fragile parts is the nose. It directly impacts the facial structure and looks of a person. It is a very delicate structure made of two bones that can snap for multiple reasons, resulting in a broken nose. Identifying a broken nose is crucial at the earliest to providing proper medical attention and effectively performing aftercare.
Read on to learn about identifying a fractured nose, precautions, and best aftercare tips!

Causes for a broken nose:
It is essential to know its formation to understand the causes of a fractured nose. The two bones in your nose are located at the bridge where your sunglasses rest. They make the base of the structure and space for cartilage. Technically, the cartilage cannot break since it is flexible, which implies that a broken nose refers to a fractured nose bridge.

A broken nose bridge can be a result of various factors, including but not limited to the following:

● Sport injuries

● Automobile accidents

● Physical violence

● Slamming the face into inflexible objects

● Falling face first

Signs of a nasal fracture:

The nose has a significant impact on the look of your face. Therefore, a broken nose is quite easily identifiable. However, here are some signs that determine if your nose is broken:

● Shooting pain from the nose

● Bruising at the nose and under the eyes

● Slight crookedness of the nose when compared to its regular structure

● Sudden nosebleeds and mucus discharge

● Difficulty in breathing from either or both nostrils

It is best to get your nose checked, even if you do not notice any visible signs.

Can it be treated at home?
It is recommended to rush to the hospital to address the injury immediately. Waiting for the bleeding or discomfort to stop further complicates the issue. Do not consider solving the problem at home. Seek a medical professional’s attention immediately. Usually, personal accident insurance India covers the medical costs of the injury.

Medical procedure:
Depending on the severity of the issue, you may have to undergo a CT scan or an X-ray. A hairline fracture can be treated using some ice and painkillers. You may require surgery to realign the bones and antibiotics for severe issues. At the most, it should take two to three weeks for your nose to heal.

Aftercare:
Once the medical professionals have assessed the situation and taken appropriate steps to stop the pain, bleeding, or discomfort, it is vital to follow proper steps to make the treatment effective and heal your nose.

● Icing is recommended to soothe the pain, especially immediately after the injury. A cold compress using ice wrapped up in cloth is the easiest way to tend to the pain.

● If prescribed, make use of painkillers. However, do not act without the doctor’s approval and ask for medicines instead of self-diagnosing painkillers.

● Keep your head tilted up as much as possible. Avoid pressure on the nose caused by sleeping sideways or on your stomach.

● Avoid strenuous activities that can break your nose again until your nose heals.

A broken nose can be a painful accident to deal with. While there are no ways to prevent accidents, buying personal accident insurance India can help reduce the burden on you. Avoid distractions while doing a task that requires more focus. Be cautious always and prioritise your 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.