GENERAL INSURANCE BLOG

India has a massive population of automobile owners plying their vehicles on the roads daily. Spotting people with varying personalities and driving habits is common. They exhibit different skills and traits, which can broadly divide drivers into the following six categories.

1. The learner:
Learners are drivers who are new to this experience. They have recently started to drive vehicles and are trying to be perfect at it by practicing and driving regularly. Since they are not pros at driving, they are usually submissive and try to be helpful and cooperative with other drivers on the road.
They drive slowly and carefully and may sometimes show nervousness while driving. Sometimes it can be annoying to drive behind a learner because they can brake suddenly and stop abruptly on the road. Also, they swerve their cars when changing lanes while trying to be in the right lane.

2. The distracted driver:
This is the most common type of driver in the recent era of social media and telecommunication. They try to answer every call and reply to messages they receive while driving. They tend to behave as if the world will stop if they do not answer their phones or make that call.
They display signs of anxiety and tend to check their social media feed. Many even try to record videos and click pictures while driving, putting everyone around them in danger of an accident.

3. The speeding driver:
Such drivers tend to drive their vehicles at high speeds, often above the recommended speed limit, inviting risk and increasing the possibility of accidents. They behave as if the world's end is near and they must reach their destination before it finishes.
Such drivers usually drive rashly and pose a risk to other vehicles around them. High speed means lesser control of their vehicles. Hence, one should avoid getting into a street race and let them pass quietly. Otherwise, you may risk your and your co-passengers' lives unnecessarily.

4. The violent driver:
Road rage cases have been on a high in India in recent years. They are due to drivers belonging to this category. Such drivers lose their cool on the roads due to heavy traffic and start fighting with other drivers around them.
They start driving rashly, dangerously overtaking other vehicles, and swerving their cars wildly. They can even stop abruptly, enter into brawls, and attack another driver if the situation worsens. People tend to vent their frustration on the roads, creating unnecessary chaos.

5. The honkers:
This category of drivers believes they can remove the traffic in front of their vehicle by constantly honking. Doing so adds immensely to the already high noise pollution around us.
As the traffic signal turns green, they will start honking as if the vehicle in front of them is driving slowly or stopping the traffic. Such drivers cause unnecessary nuisance and may display signs of a violent driver if you do not let them pass.

6. The Pros:
This is the best category of drivers, and you would want them to be around you while travelling. They show how good they are at driving and controlling the vehicle. They pay attention to the safety and comfort of the passengers in the car.
They are cautious and vigilant and avoid rash driving by following all traffic rules. Instead, they effectively find their way out of traffic without using useless honking or rash driving. Also, they avoid entering into altercations with other drivers and have good control over their emotions.

Like humans, car insurance also has several features and qualities and varies from company to company. They may differ in premium, coverage terms and conditions, inclusions, exclusions, etc. Hence, you should research thoroughly and buy the best car insurance policy as per your specific needs and a better return on investment.

Click HERE to buy the best car insurance for your car.

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.

Road accidents continue to be the leading cause of death in India. In the metro cities, the need to ride at a blistering speed is overwhelming. In this process, you tend to slip the clutch while struggling to switch off the motorcycle. As the phrase goes, "Haste makes waste", it can't be more accurate. You not only risk jolting forward but also the likelihood of accidents is concerning.

As per the World Bank report, "India tops the world in road crash deaths and injuries. Around 11 per cent of all road crash deaths are witnessed in India, which corresponds to 53 accidents every hour; taking one life every 4 minutes".

By this point, you all must be wondering what can be an efficient way to eliminate this problem. The ideal solution is a kill switch to wind down a motorcycle.

This blog is a comprehensive guide to understanding the purpose of a kill switch.

With this emergency stop, you can rapidly turn off the bike without withdrawing your hand from the handle to reach for the key. To turn off the power, you just have to use your thumb. In short, this safety mechanism can save your life in an accident.

Turning off the motorcycle instantly seems like an unusual idea. But in general, while doing so, we put the bike’s mechanism at risk. The kill switch is designed in a way to mitigate this problem. It swiftly breaks the contact with the ignition coil. This is a very straightforward mechanism to shut the engine off. It is also convenient, considering how by keeping your hands on the handlebars, you can engage the kill switch more immediately during an emergency.

All in all, this is a simple, direct emergency shut-off switch that clicks the device off. It is an essential safety feature that enables the rider to turn off the motorcycle when it is impossible to do so manually.

All you have to do is press the red button. If you're a new rider, you probably spotted a scarylooking red switch on your bike's right-side handlebar. So, you now know how a kill switch looks.

In a heavier bike, the rumbling engine is silenced with this mechanism's help. It also aids in handling emergency situations without disturbing the bike's stability. You won't need to glance down to find it because it will be easy to operate after some experience. It is also a quick method to halt your bike for a brief period, to give directions, or in traffic.

Numerous motorcycles are designing advanced technologies to eliminate road accidents. While this is one way to make you feel secure, you should consider other options. In India, it is almost necessary to take insurance for your motorcycle. If it expires, you can apply for an online motor insurance renewal. It is another way to drive safely without worrying about financial losses against insured vehicles, including extensive damages and liabilities. Always keep your insurance policy up-to-date to avoid it from lapsing.

We hope the above information explains the importance of kill switch and online motor insurance renewal. It is always best to have complete knowledge about your vehicle, its parts and their use. This information can help you better understand your bike and stay protected during unfortunate events.

Click HERE to get online motor insurance renewal.

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.

We can all agree that having difficulties starting a motorcycle is an unpleasant experience. Even though motorcycles are relatively basic machines, it can be challenging to identify the problem preventing them from starting.

Before starting up, the first task, which is sometimes overlooked, is to bring your bike to an open place. Your bike's startup process will depend on how long it has been standing, which may result in smoke. It is advisable to wait till the thermostat turns on the radiator fan before starting the engine. Let your air-cooled motorcycle run until you can feel the warmth emanating from the engine.

Let's examine any issues you might have with your two-wheeler failing to start.

1. Defective or dead battery:
The bike's electrical system depends on the securely mounted battery. When a twowheeler has just an electric start, the battery is the only power source for the starter motor. The motor, which requires a high voltage from the battery, can only be started if the battery has enough charge.

2. Blown-out fuses:
Blown fuses will make the motorcycle sound normal when you try to start it, but it will spin endlessly without producing any power. Even if you try to spray starter fluid into the carburetor, nothing will change since the fuse cannot send a spark to the spark plug, causing it to ignite. A blown-out fuse typically indicates a defective grounding wire somewhere.

3. Preventing the intake or exhaust:
A situation that causes starting problems is a blocked airbox or muffler exit, which can happen for any reason. Therefore, you should also check your bike's intake and exhaust systems to see whether they contain anything unwanted blocking their way.

4. Put the side stand up:
A few newer bikes may not start when the side stand is down. Your motorcycle may contain an internal code and other sophisticated sensors that prevent the ignition from turning on if the kickstand is in place.
Check to see if your bike has a side stand sensor and if it does, and the bike still won't start, examine if the switch down there is in good working order. If it's not, the bike side stand sensor might have a fault. Get this problem checked at an authorised service centre.

5. Injector clogged:
A clogged injector will attempt to turn over normally when you try to start your motorcycle, but there won't be any combustion. A clogged fuel injector is likely to blame if you are certain that the spark is occurring properly, there is gas in the tank, but still, your bike isn't starting. Fuel injectors should be checked regularly. They should be cleaned or replaced if they appear soiled and clogged.

6. Defective spark plug wire:
Motorcycle riders are accustomed to loose spark plug wires, which might happen due to jerks. To solve this issue, you don't need to visit a mechanic. Unplug and replug the connectors before starting the motorcycle again.

7. Not properly engaging the clutch:
When starting your motorcycle and the transmission is in gear, you must pull the clutch lever correctly. The clutch occasionally fails to engage properly and causes a starting issue. Put your transmission in neutral and try again in this situation.

Checking a few things off your pre-trip list helps you overcome the ignition issue of your motorcycle. Other times, a thorough overhauling is required before you get stuck on the road, in which case you must seek professional assistance. Following these procedures will help you identify the issue and arrange for the necessary repairs. Additionally, it is prudent to have 2 wheeler insurance online to acquire comprehensive coverage for damages to your bike and be stress-free regarding its repair and maintenance expenses

Click HERE to buy 2 wheeler 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.

Electric vehicles are all the rage right now. India will significantly switch from fuel-based to electric-based vehicles in the upcoming years. Countries like the USA have seen a significant chunk of their population switch to electric cars. Even in India, people drive electric scooters in metropolitan cities. Like every other vehicle, electric vehicles also require maintenance. Plus, you would need to ensure that you make the energy of your electric vehicle efficient and increase the capacity of the engines to give your vehicle a prolonged life.

Now, let's discuss the techniques and tips that can increase the range of your electric vehicle. Doing this will help you improve your car's battery life in the long run. So, let's get started.

1. Drive properly:
Sudden jerks and an increase in acceleration can adversely affect your battery as the increment would put pressure and end up draining the battery. Experimenting with your vehicle's torques and testing the high speeds sure seem very lucrative, but it will impact your battery negatively over time. You also need to ensure that you drive smoothly and operate your vehicle carefully to increase the battery's longevity and the overall functioning of your two-wheeler or fourwheeler.

2. Go easy on the air conditioners:
The usage of air-conditioners does impact the battery. Prolonged use of air conditioning depletes the battery power at a fast rate. But there are places and times when you cannot live without the air conditioner. How do you go about this issue? You can switch on the fan instead of amping up the compressor. This will help you conserve power and regulate the cool air inside the car. You can open the windows, but this slightly affects the car's aerodynamics, functioning, and operations.

3. Be careful on those brakes:
Your electric vehicle's regenerative braking helps you recover the energy lost during the sudden braking process. So, use that whenever there is a necessity for brakes. And make sure to avoid unnecessary braking as it stresses the battery into bringing the vehicle to a halt or lowering the speed out of the blue. So, take it a little easy on the brakes whenever you are driving. Also, ensure that you use the maximum regenerative setting of your car during the deceleration process. This option will help conserve all the extra power by directing it back to the battery and increasing its life.

4. Be mindful about charging your vehicle:
It would be best if you carefully charge your electric vehicle. Keeping it plugged in all the time while your car is idle in the garage is of no use. Instead, it will negatively affect the battery as it starts to self-discharge once it gets fully charged. Timing the charging of your electric vehicle's battery helps you to attain those few miles once your vehicle is fully charged and plugged out at the right time. Timing the battery charge also helps conserve electricity and increases your battery's longevity. So, it's easier on the pocket and the environment.

Some other ways to increase the range of your electric vehicle include figuring out an efficient route to your destination, packing and travelling light, keeping your tyres in check, etc.

Unprecedented circumstances indicate the level of uncertainties around our lives and possessions and how we must be careful and take mandatory steps to prepare for these situations in advance.

This is why you need to purchase motor insurance from the best motor insurance company to safeguard your vehicle in times of distress. Explore your options carefully and buy insurance from the motor insurance company, which promises to cater to your needs in the best ways possible.

Click HERE to know more about the insurance benefits provided by 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.