GENERAL INSURANCE BLOG

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.

Click HERE to purchase reliable 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 insurance for a two-wheeler is an essential document without which you should not risk travelling. The Motor Vehicle Act mandates the importance of carrying your insurance papers. These documents provide information about the rider, including your two-wheeler's registration number and your purchased insurance policy.

The policy documents contain all the essential information required to identify your vehicle, its legality status, the rider's identity, the dealership, your insurance provider, and much more. This information portrays the rider as a responsible citizen who would abide by the safety protocols on the road and, therefore, can be entrusted to drive around without causing any trouble.

There is always a possibility for human error. In this case, what if you end up losing your insurance policy documents? So, how do you solve this problem, and how can you obtain a duplicate 2 wheeler insurance if you lost your original? This blog will answer all your questions and provide you with better information so that you can stay informed and know what to do in case you end up in a similar situation.

1. Lodge a complaint:
For a policy which is bought offline, your first step in obtaining a duplicate two-wheeler insurance will be to file a complaint. Visit your nearest police station and ask them to file an FIR about your missing insurance documents.
You will need to give them essential information like your policy number, your insurance provider, description of the vehicle, the type of policy, details about add-on coverage options if you opted for any, and your personal information like name, job role, contact number, etc. This document will then be verified and attested saying that you lost your insurance and will be sent to your insurance provider claiming the same.

2. Apply for the duplicate insurance documents:
Now that you have a copy of the registered FIR supporting the loss of your insurance documents, you need to apply for a duplicate copy of your 2 wheeler insurance. You will be required to draft an application letter claiming your missing insurance documents and how you would like to request a duplicate set of the documents for future purposes.
Make sure you attach the FIR and your application to support your case. If your insurance policy is a joint one, both policyholders must sign the letter, which will be submitted to your insurance company.

3. For the formal request:
You must sign an indemnity bond stating that you would like to make a formal request to get a duplicate set of your insurance documents. The indemnity bond is to be signed on a non-judicial stamp paper.
Details like your name, the joint policyholder's name (in case of a joint policy), policy number, etc., are mentioned on the indemnity bond. Apart from this process, the bond requires signatures from two witnesses who should not be a part of your family. The insurance company might ask you for proof of your financial standing.

4. Newspaper advertisement:
Another step you can include (if required) in this process is publishing an advertisement in the newspapers mentioning the loss of your documents, the insurance provider's name, and other required details for identification. Make sure to submit the copy of advertisement to your insurance company. Submit all the supporting documents mentioned above, and the organisation will give you a duplicate set of your insurance documents after their verification process.

Obtain your car insurance copy online:
As against the tedious offline method, you can also get your duplicate car insurance policy online by sitting at home. This is possible only if the policy is bought online. To get this;
• Visit the website of your car insurance provider
• Login to your account by putting your account details, policy number, name, age, phone number, etc.
• Go to the policy download option
• You will receive the policy document through email to your registered email address
• Download the car insurance policy document and keep the digital or printed copy along with your other car documents.

Protecting your vehicles with a reliable insurance policy is paramount for their safety. Mishaps can sometimes severely impact your two-wheeler. Getting the best 2 wheeler insurance that suits your needs will help you stay stress-free regarding your financial worries in such emergencies. Your insurance provider will undertake the expenses required for your two-wheeler's repair and maintenance work.

Click HERE to know more about the benefits of 2 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.

Drivers and front-seat passengers must wear a seatbelt when the vehicle is running according to the Central Motor Vehicles Rules (CMVR). Not complying with this rule can lead to a fine of 1000 INR. Surpassing the fine should not be the motive for wearing a seatbelt. Other than the fine, it can be a big life saviour in times of an accident. There is also a rule that the passengers in the rear seat should wear a seatbelt. But, as per the reports, most passengers avoid wearing a seatbelt in a running car.

It is crucial to understand that it just takes a few seconds to buckle the seat belt, which can protect you and your passengers from severe bodily damage in case of an accident. Also, as per a poll, wearing a seatbelt by a co-passenger had shown a reduced risk of being heavily injured or killed by 25% and 75%, respectively. Not just this, did you know that your motor insurance company can reject your claim if it finds that you weren’t wearing a seat belt at the time of the accident?

Let us go through the details of the coverage of damages under motor insurance policies to passengers not wearing seatbelt.

1. Not wearing a seatbelt:
Technically speaking, if you are driving without wearing a seatbelt and you meet with an accident, the insurance company should not be liable to pay for any damages. One can argue that the person could have been saved or suffered much lesser damages during the accident if he had been wearing the seatbelt.

2. Lower compensation:
The main motive of all insurance companies is to make profits. Hence, if they find out that either the front-seat passenger or even the rear-seat passenger was not wearing a seatbelt, they may approach insurance tribunals and file a contributory negligence plea against the insured to lower the compensation or reject it fully.
The courts or the tribunal can lower the compensation claim to some extent. The claim is not rejected just because the insured was not wearing a seatbelt during the mishap. However, lowering the claims is possible since it is a form of non-compliance.

3. Personal accident cover:
Under the motor vehicle act, an individual must take a personal accident cover along with vehicle insurance. It also applies to third-party insurance. Even if the passenger is not wearing a seatbelt, the personal accident cover will pay for the compensation in case of death, injury, or permanent disability due to the accident.
By buying a passenger add-on cover, you can buy similar coverage for up to three co-passengers sitting in your car. This will cost you some extra premium but will provide effective cover to all the passengers in the vehicle.

Driving your vehicle without wearing the seatbelt puts a lot of lives in danger, be it you, your co-passengers, or the vehicle or person with which you have met with the accident. Passengers in the front seat and the rear seat must follow the rule of wearing seatbelts and save penalties and lives.

This is why even the Government of India has announced that it will soon be mandatory for passengers sitting in the back seat to wear the seatbelt when the vehicle is in motion. Even the motor insurance company cannot reduce your insurance claims if you start following this.

There are no shortcuts to safety, and negligence can cost you not just money but even life! Press the accelerator only when your seatbelts are on, drive under the speed limit, follow traffic rules, avoid lane cutting, and make optimum use of all safety equipment installed in your car.

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

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.

Mastering the clutch can be challenging for somebody who has just started learning to drive a car. When to press the clutch, when to let go, and what to do on a slope are only some of the many clutch-related questions we face every day as a beginner. But as somebody rightfully said, practice makes it perfect.

The more you practice, the better you handle the accelerator and learn to sync with the vehicle's clutch. However, you can do a few things to improve your driving experience and better understand your car's clutch system.

This article will look at all the simple tips and tricks you can follow to master the clutch and become an expert driver in no time.

1. Adjust your driving environment:
When practising your driving skills, it is essential to ensure the safety of yourself and others. Choose an empty field or road to practice your driving manoeuvres. Ensure that nobody is around you and your car for a considerable distance.
Wear your seat belt tightly and adjust your seat to get a comfortable driving posture. Your seat adjustment is key to good driving. If you have to strain your legs to reach the pedals or if you have to cramp your legs into position, then it will affect your driving adversely.

2. When you start the engine:
One of the main issues faced by new learners is starting the car. It is natural for the car to sputter or jerk when starting as a beginner. Talk to an instructor and learn how to manoeuvre the clutch and the accelerator. Once you turn on the ignition, depress the clutch fully and put your car in the first gear.
Now, slowly release the clutch and accelerate the pedals. A rule of thumb is that the accelerator and clutch are complimentary pedals. The more stress you put on the clutch, the lesser power you give to the accelerator. Repeat this step for few times to get a command over bite point of clutch.

3. Manoeuvring the slopes and hills:
One of the new drivers' biggest fears is taking the car up a hill. While it might seem like an intimidating task, with practice, you can master conquering any hill. While climbing a steep slope ridden with traffic, you must keep two things in mind. First, your car needs maximum energy to climb the hill.
Second, you cannot accelerate the car because you always risk crashing into another vehicle. In a situation like this, you must constantly alternate between controlling the clutch and handling the speed. Dip the clutch constantly to keep the car moving slowly, but if you feel like your vehicle is going to stop and recede, raise the pedal to give it some speed.

4. Conquer the fear:
While this is seemingly obvious, most people quit driving because of fear. Improper clutch handling brings the fear of accidents due to wrong coordination. It may also result in quicker wear and tear and might need replacement before time. But if you are covered by good car insurance, you can rest assured that all the expenses will be taken care of by your insurance provider.
Give yourself and your car as much time as needed to understand the vehicle's functionalities better. Most importantly, do not compare your learning speed with others because what matters is that you are keeping yourself and others on the road safe.

These are a list of a few things that you need to remember when handling clutch. As mentioned above, insure cars with affordable yet efficient insurance companies. With the new car insurance rates in the market, there are many options to choose from.

Click HERE to know new car insurance rates 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.

Sometimes you suffer a severe headache and feel like someone is whacking you in the head with a hammer. You, therefore, take a few painkiller medicines, and the pain quickly passes! That is the magic of pain relievers. They alleviate the discomfort so you can get on with your day.

Painkillers do come with a fair share of hazards and can have detrimental consequences on your body, especially when taken frequently. This post will review how painkillers go through the potential long-term impacts they may have on the body.

Effects of chronic painkiller abuse on the body:

You inhibit your body from naturally reducing pain when you use a painkiller medicine longer or more frequently than is recommended. By tricking your brain into believing it needs the painkiller to feel good, these medications cause your body to produce fewer "feel good" chemicals and endorphins.

The central nervous system suffers significantly from this frequent use of analgesics. As we've already said, some painkillers slow down the central nervous system to help block pain. However, too much of them can make it hard to breathe, slow down your body's reactions, and make you slur your words.

Painkillers have effects beyond how they affect your body's natural pain-relieving systems and central nervous system. Abuse and dependence on painkillers can have repercussions throughout your entire body, such as

1. Your liver:
Your liver processes and breaks down the medications you consume. When you misuse painkillers, your liver retains the poisons from these drugs, which can cause severe and fatal liver damage.

2. Your heart:
To experience painkiller effects right away, some people crush or inject the drugs directly into their bodies. But doing so results in the medicine going straight into the bloodstream, which impacts the heart. Abusing painkillers over a long period can result in major cardiovascular problems and risks of heart attacks.

3. Your stomach:
Even after taking painkillers for a day or two, stomach and intestinal problems can still develop. Abuse of painkillers can cause haemorrhoids, intestinal blockages, bloating, abdominal distention, and constipation.

4. Your veins:
Injecting painkillers for an extended period is fatal, especially if the needles are shared or not sanitised. Blood-borne infections, illnesses, and blocked veins can result from injecting painkillers drugs.

Once a person becomes dependent on a painkiller, there is no way to stop without going through withdrawal. Even though withdrawal symptoms don't last forever, they can include nausea, vomiting, trouble sleeping, aches and pains, irritability, and anxiety. If you or a loved one is suffering from a painkiller addiction, seeking immediate treatment is crucial because it's typical for people to overdose when attempting to relieve withdrawal symptoms.

How can you take painkillers more effectively?

• Before taking any painkillers, if possible, speak with a doctor

• Avoid taking painkillers for more than a few days straight

• To limit the risk of problems and side effects, start a new drug at the lowest dose possible

• Take the drug only as prescribed, never more. You can visit a doctor for the maximum dose or look it up in the drug information booklet

• Avoid giving others access to your painkillers

• Consult your doctor rather than taking more painkillers if the pain persists or gets worse after taking them

Most over-the-counter medicines are safe for treating mild to moderate pain. But these can also have negative side effects, some of which could be fatal, just like any medication. People who often use painkillers should speak with their doctor to ensure proper treatment and avoid any negative consequences.

With rising healthcare costs, access to high-quality medical care may become prohibitively expensive. Every citizen must sign up for a good health insurance plan in case they or someone they love gets a disease that could be financially devastating. Each insurance plan has a policy duration, and you can buy health insurance online. So, depending on the insurance company, your plan is valid for a particular period.

Click HERE to buy health 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 stressful routines making their way into personal and professional lives, more and more people are turning towards a healthy and happy lifestyle. The first step towards a healthier lifestyle begins with a small step today. Exercising along with healthy eating habits contributes towards a better tomorrow. It helps rejuvenate the mind, body, and soul and improves well-being.

With the changing environmental factors, it is essential to maintain good immunity and metabolism. Many physical activities help stimulate the body's response. These activities include jogging, running, swimming, and so on.

Swimming is one of the best fitness regimes to help you stay in the best shape and enhance your stamina. Before taking up any physical activity or sport, ensure that you grasp thorough knowledge about that particular activity. Understand the do's and don'ts and ensure that you follow all safety measures. Consider personal accident insurance online to get coverage for medical expenses if you meet with an unfortunate incident.

Let's look at the health benefits of choosing swimming as your hobby.

What are the health benefits of swimming?

Swimming has a myriad of health benefits that contribute to the effective functioning of the body. The health benefits can be classified as follows:

1. It cuts the risk of cardiovascular diseases:
It is a proven fact that swimming can contribute to heart’s health. It helps in the proper functioning of your heart muscles and reduces the risk of developing cardiovascular diseases.

2. It is good for bones:
Bone density is important in keeping your body fit from the core. Swimming can reduce the risk of developing arthritis by strengthening joints and providing the best nourishment to the bones.

3. It burns calories:
Swimming is extremely effective in burning calories as it involves rapid and continuous motion of different muscles and the coordination of several body functions simultaneously. It enhances the flexibility of the body as well.

4. It develops a healthy respiratory system:
Swimming involves a lot of breathing: both deep and normal breathing. Deep breathing enhances the respiratory system, and the lungs are trained to draw more air and increase the blood oxygen level.

5. It is therapeutic:
Swimming is a good stress buster that helps deal with anxiety and uplifts your mood. It is an effective tool for coping with depression and anxiety.

6. It stimulates blood circulation: It is supposed to be one of the effective tools to boost blood circulation in the body. It is a great way to work out without sweating.

7. It makes you feel younger:
Swimming helps your mind and body stay energetic. It also contributes to making your body look young and agile. It is believed that swimming can delay your ageing process.

8. It is great for asthma:
Quick swimming lessons can help people with asthma as the intensive regulation of breathing can increase the endurance capacity of the lungs.

9. It provides a full-body workout:
Swimming is one of the many exercises that involve your whole body. It helps in the movement of all the muscles and stimulates them evenly. Every swimming style stimulates a different muscle. So, daily a 45 mins session can be equivalent to a full-body workout.

Swimming is one of the most effective and easier ways to stay physically active. Once you start, there is no going back. You feel more relaxed when you swim. There are many ways to develop your swimming habit. You can join a community pool or enrol in a swimming camp. For kids, it is extremely easy to find a school or institute that teaches swimming.

Amidst all this, it is necessary to keep yourself secure at all times. Hence, purchase personal accident insurance online to provide financial cover to compensate for the loss in case of accidents while swimming.

Click HERE to buy personal accident 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.

If racing fantasies you and if you consider yourself a biking enthusiast, we’ve got you. We all have been fascinated by high-speed car and bike chases and races in our lives. Be it watching Formula One racing or watching movies about speed, they blow our minds with all the stunts, the cinematography, the angles, the acting, sound effects, visuals, and most importantly, “the adrenaline rush” these sequences provide us.

But does India support such racing events? Are there any such riding competitions held in our country? Do you have such questions and require more information on this subject? Well, this blog will have answers which will pique your interest in this topic. Here is the list of the top race tracks for biking enthusiasts.

1. Buddh International Circuit:
Constructed in Greater Noida, Buddh International Circuit made it to the national and international headlines as India’s official Formula One circuit. India is one of the few countries with a racetrack for large-scale international events. The Buddh International Circuit also hosted the Indian Grand Prix for a couple of years, making India one of the few countries to pull it off.
And not just Formula One, this circuit has hosted several competitions such as the National Racing Series, the F1600, the T1 Truck Racing Series, and the National Motorcycle one-make series, to name a few.

2. Madras Motor Racetrack:
This racing track is situated in Irungattukottai, Chennai, India’s first official circuit. It was constructed around the 1980s and was finally set in motion for its purpose in 1990. It has seven turns in its short club track, while the track consists of twelve turns altogether. The short club track has a length of 2.1 km, and the entire circuit is designed in a clockwise pattern.
The racetrack acquired its grade two licence to host multiple bike and car races in several categories, including GT and touring car racing. It staged several other races except for Formula One. The Madras Motor Race Track has also hosted National Touring Cars, the National Motorcycle, and the one-make Motorcycle Championship, to name a few other races. The racetrack is considered to be fit for off-road Supercross competitions too.
The other purpose this racetrack serves is for bike, and car manufacturers, as several of them test their vehicles on this track to check the quality and other features and whether their product requires rework or is fit to be rolled out to the public.
Various automobile-related newspapers, magazines, and websites use these tracks to understand different vehicles better before publishing content about them for their enthusiastic audiences.

3. Kari Motor Speedway:
The racetrack called Kari Motor Speedway is located in Coimbatore, Tamil Nadu. This track was opened in 2013 and has been named after racer and designer Late Mr. Sundaram Karivardhan.
In the past, this track acted as a runway for power gliders and was a part of the Karivardhan-owned aviation company. The Kari Motor Speedway has hosted events like National Touring cars, one-make series, and the National Motorcycle Championship, to name a few.

Some other race tracks in India are Chicane Circuit, Hyderabad, Meco Kartopia in Bangalore, etc., which host various karting competitions.

We hope this helped you gain insights into how our country promotes such racing events and has avenues for the same. And in hindsight, while we cater to the biking fanatic in you, we would also like to draw your attention to the safety of your vehicle. To combat the unexpected situations and focus on getting your two-wheeler fixed, you need to purchase 2 wheeler insurance. Explore all the options provided by various insurance companies and buy the best 2 wheeler insurance which would serve your needs optimally.

Click HERE to know more about the benefits of 2 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.

The emphasis on health and preventive care has skyrocketed post-pandemic. People of different ages leading varied lifestyles have stepped up and are paying attention to their exercise, sleep, and diet to stay healthy. However, these measures are difficult to continue for undisciplined people or those with extremely hectic schedules.

For such people, it is best to adopt small measures that aid in the long run and only require spending less time on fulfilment. Such measures, supplemented with purchasing the best health insurance in India, are plenty to keep oneself stress-free about their health without stressing too much.

With India being the land of Ayurveda, what better way to enhance your health than following small health tips daily? One of the most strongly recommended activities is drinking water stored in copper vessels. Why? What are its potential benefits?

Read on to find a comprehensive list of benefits of drinking water in a copper vessel.

1. Promotes hydration:
Hydration is an essential part of a healthy lifestyle. Negligence can lead to severe complications in the long run. To drink water from a copper vessel, one must consciously store water overnight to gain its most benefits. This way, you can ensure that you are keeping track of your water intake and preventing future medical complications.

2. Prevents copper deficiency:
Copper is a mineral required by our body to function at its optimum capacity. Naturally, humans can only produce up to 1.4 to 2.1 mg of copper per kilogram of body weight. It is essential in red blood cell production, maintaining nerve cell health, and boosting the immune system.
Water stored in copper vessels carries the properties of the mineral, thereby preventing its deficiency. However, excess copper exposure may lead to poisoning and other illnesses. So be mindful of the intake.

3. Aids in battling cancer:
While it alone cannot ward off or eliminate cancer, it aids in eradicating cancer by acting as an antioxidant. It fights cancer-causing free radicals and even helps produce melanin, which protects the skin from harmful UV rays.

4. Improves thyroid functioning:
Water from copper vessels possesses the quality of balancing the improper functioning of the thyroid gland. If you suffer from copper deficiency, you may be suggested this as a measure to improve your thyroid gland's functioning. This can directly impact your metabolism and growth.

5. Helps with inflamed joints:
The copper produced in the body is stored mainly in the skeletal structure. If you suffer from weak or inflamed joints or arthritis, consider drinking copper-infused water to strengthen your skeletal system.

6. Antimicrobial properties:
Copper has significant antimicrobial properties, which can help prevent diseases by eliminating bacteria, viruses, or fungi that may have entered your body and compromised your immunity.
Since it has natural preventive benefits, it is highly recommended for seniors with weaker immune systems and joint pains. You must also look for the best health insurance in India for your aged parents and immediate family to protect them with a reliable safety net.

With many more benefits, it is highly recommended that people with copper deficiencies drink water from copper vessels. They make for better, cold, and sweet-tasting water, which is much better than water from packed bottles. Try such non-invasive, easy-to-follow tips that Ayurveda suggests, along with the best health insurance in India. Your honest efforts will help you reap the desired results in achieving a healthy lifestyle.

Click HERE to buy health insurance in India.

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