GENERAL INSURANCE BLOG

Most car insurance plans are usually aimed at providing the services for one year, post which they are renewed. However, not being satisfied with the kind of services you have been receiving from your insurance company can be extremely disheartening. In this situation, you can decide to compare and buy a car insurance policy online. While switching car insurance may seem like an easy task at the outset, there is a lot of research that goes into deciding since you aspire to receive the best services. Here are some of the most critical factors that must be kept in mind before shifting your car insurance: -

• Premium and car cover There is no guarantee if you will receive a change in the car premium, and this is entirely dependent on your insurance company. However, like all things, even this may vary according to the risk covered by the premium, which is again determined on the base of zonal risks. It is only natural for the insurance company to ask for a higher premium if you are aiming to locate yourself at a catastrophic prone zone like floods or earthquakes.
• Importance of no claim bonusThis is one of the most important factors of every general policy. Shifting your car insurance may lead you to wonder about the NCB points earned during the previous investment. You can finally heave a sigh of relief since NCB is offered to the insurer for every year that goes unclaimed and is definite to follow you, despite your location. Be it changing the vehicle or switching to a new insurance provider; you can always hope to find your earned NCB everywhere with you.
• Importance of upgrading cover A new place means a shift in requirements and needs. It is always advisable to analyze your vehicle before availing any insurance service since you will then be equipped to make the right decisions. While aiming to Buy Car Insurance Policy Online , be sure to get a comprehensive insurance policy with third-party coverage. This will aid in protecting your car from any potential damage that may occur to being involved in an accident, theft, vandalism, natural disasters, among other things.
• Evaluate your reasons It is important to understand why you are tasking a drastic step of changing your car insurance. While the reasons may be many, increased car insurance premium brings with it additional financial responsibilities. You need to be sure about the decision you are taking and should be able to afford the premium.
• Inform your current insurer When you inform your current service provider, they are sure to provide you with ample reason to stay. They may even meet you to resolve your grievances. If you feel your problems have been resolved, stick the decision to stick to your current service provider or changing it depends entirely on your convenience. Also, an additional tip is to not just focus on low premiums, since there are other features like, list of network garages and customer service efficiency that must be kept in mind while availing any insurance company’s offer.

You can always check details about a car insurance policy online and carefully analyze every feature that comes with different companies to make the right decision.

The returning riders, also known as the born-again riders, are folks who previously rode motorcycles and want to get back into it. No matter how professional you were in the past, continuing something after a break has some adverse outcomes. Therefore, if you have given up riding for any reason and wish to reclaim it with your two-wheeled companion, there are a few risks you need to keep in mind.

This article will thoroughly guide you with the best tips to avoid mishaps for returning riders. We suggest investing in bike insurance for your two-wheeler before you restart your lost desire to ride a bike again. In case you already have one make sure it is up-to-date.

1. Begin slowly and safely:
Returning riders should take it easy at first and gradually gain confidence while riding. Start your first few trips with short distances and ideally in minimal traffic conditions. Do not push your limits and end the journey whenever necessary.

2. Know which bike to start with:
If you have not hit the road for a long time, consider going for a moderate bike at the beginning. Compared to the bikes you rode in your days, the current models can be overwhelming for you. For example, if you decide for high horsepower and remain unsuccessful in handling it, your motivation will hit the ground. It will leave you disappointed and undermine your confidence. Hence, go for a manageable bike at first, and once you've acquired confidence and improved your road sense, you may always upgrade.

3. Consider taking a refresher course:
Although this sounds a bit unnecessary, basic training at a motor learning school helps you regain control of the two-wheeler and understand the updated traffic. Even if you can't seem to find a physical course, the internet will never let you down. Numerous articles, podcasts, videos, vlogs, and blogs regarding this subject will guide you in the right direction.

4. Learn and adapt to what has changed:
Regardless of the gap in your riding, the technology and regulations would be different when you start over. The machines used in today's bikes are advanced, tyres have anti-skid grips, and the braking systems have improved. Try to acquire the knowledge of up-gradation as much as possible to avoid facing issues about adaptation to new things.

5. Don't skip the riding gears:
Never neglect your safety gear. If your gears from earlier do not fit you anymore, get new ones right away. There is no acceptable reason to skip wearing your riding gear for any occasion.

6. Learn how to unlearn:
The future is for those who can learn to unlearn numerous times throughout their lifetimes. This should be a motto for born-again riders. Forget all the myths and misleading facts from the old days and make space for new logic and learning. Technology progresses every day, and so does the experience based on it. Gain knowledge of it prior and incorporate it into your riding style as often as possible.

We hope to assist you in making your transition easier than possible. The above-compiled tips will surely do the job. Also, having bike insurance will boost your confidence and ensure a happy return to biking. So, if you’ve made up your mind, then you’re set to dominate the roads again!

To get the best bike insurance, click HERE .

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

How well are you prepared for a situation like a brake failure? Well, most people can't imagine the correct answer. Imagine you are driving comfortably, and your eyes are engaged on the road. Then, when you approach traffic or a speed breaker, you hit the brake pedal, but your car doesn't slow down. You repress harder this time, but you are still speeding. Are brake failures terrifying to even think about? It's best to prepare for such panic scenarios.

Brake failures usually are not recognized beforehand; they hit you when you are in motion. It can be a panicking situation leaving the driver clueless and inviting a potential threat to his life.

In today's post, we'll talk about the dos and don'ts to stop your car safely when the brakes fail.

What to do?

1. Don't lose your cool:
We understand it's easier said than done but try not to panic. This will only put you and the passengers in unnecessary danger at the time of an actual stressful situation.

2. Go easy on the throttle:
Immediately take your foot off the accelerator pedal. You don't want to speed up even by mistake as it can only worsen the situation and make the vehicle handling uncontrollable.

3. Pump the brakes:
Press the brake pedal multiple times to generate enough pressure in the hydraulic system of the brakes. This can miraculously work out, and you'll be able to halt your car even after brake failures.

4. Lower the gears:
If the pumping doesn't help, shift into a lower gear gradually. Doing this increases the mechanical resistance, referred to as engine braking.

5. Engage handbrakes:
Some cars can restrict you from shifting to extra-low gear until the car has slowed sufficiently. In such cases, handbraking comes in. When you engage the handbrakes, do so gradually. If you suddenly apply them, your car can go skidding to make the situation worse.

6. Turn on the AC to the maximum:
Turning the AC to the max will take a few kilowatts of power. Turning on all extras will cause resistance to the alternator that can help you slow down.

Other dos:

● Keep your vision on the road at all times.

● Turn on the hazard lights. This will notify other drivers that you're in an emergency.

● If you notice an uphill road, use it to your advantage. Taking your vehicle to it will help you curb the speed.

● Wear your seatbelt at all times.

● Follow the speed limits on all roads.

Now that you know what to do. Let’s discuss the don'ts real quick:

● Do not continue driving on cruise control.

● Do not cut the ignition or change the gear to neutral as you will lose the full control.

● Do not shift from higher gear to low gear drastically. The same goes for handbrake. Do not engage it at once. This can cause skidding.

● DO NOT shift to reverse gear. This will completely shatter the gearbox, and further will not allow you to downshift.

● Don't move sideways with a speeding vehicle. Yes, it increases friction, but you run the danger of spinning out.

● Do not run into a concrete wall or a block to crash stop; go for shrubs and bushes.

When such situations arise, you are in danger and the rest of the commuters around. Therefore, you must think rationally and make decisions. You and your car can sustain damage in such scenarios; having reliable car insurance at your disposal will help you recover from it. If you have one, check for your car insurance renewal before you hit the roads. Car insurance renewal is a ticket for extended protection of your prized possession.

Also, don't ever overlook the necessity of having your car serviced at regular intervals so that critical safety systems, such as braking, are well maintained.

Car insurance renewals are possible online now. Click HERE to do it right now.

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.

Horseback riding is one of the most ancient adventure activities introduced in ancient times. And, it quickly became an integral part of every army, and until today it is a royal legacy. Adventure enthusiasts practice horse riding as a sport.

But horse riding is not as easy as it appears to be. Trusting a 1200 pounds animal to keep you safe and to cooperate with you is a daunting task. One wrong move can leave you paralyzed for the rest of your life; some mistakes can be life-threatening. But, if you are willing to take the risk to be a part of the equestrian community, you will undoubtedly have a great time learning it!

Following your passion or pursuing horseback riding as a hobby is a great start indeed! And to help you with it, we have created an essential checklist to learn horse riding as an adventure.

1. The attire:
Appropriate dressing plays a significant role in ensuring personal safety, especially when indulging in a gruelling sport like horseback riding. You require ankle-length, close-toed leather boots with a small heel to keep your feet from slipping out of the stirrups. Wear long pants to keep your legs safe from colliding against the saddle. Protecting your head is the most crucial safety aspect, so a helmet should be an essential accessory of your fit. Remember, even the horses require proper equipment. A properly fitted saddle, well-tightened cinch, a comfortable bit and bridle, and suitable hoof protection can make the sport for your horse safe and enjoyable.

2. Learn to use the reins:
Just as important it is to handle the steering of a car when learning to drive, similarly before hopping on the horse, you should understand the appropriate use of the reins. Do not hold the reins too harshly as it can hurt the horse, be gentle with it. Keep your arms at the correct angle from your elbow. The moment you master the handling of reins, you get the command over your horse.

3. Spend time with the horses:
One of the ways to be more comfortable with the horses is to spend more time with them. Try finding a part-time job at the stable or maybe just volunteer! This is how you will learn things you would not be able to learn otherwise, and horse riding will be easier for you.
Also, never forget to greet your horse first before training. It is essential to show compassion and affection to your fellow animal. Horses value the love and care their masters bestow upon them, which massively impacts the riding experience.

4. Correct your posture:
While on the back of the horse, relax and sit up straight. This will help you maintain balance and get a firmer and better hold on the horse. Relax your shoulders, and place both of your feet in the stirrup.

5. Stay hydrated:
This may seem like a small detail, but on warm and sunny days, horse riding can make you sweat profusely, therefore carry a water bottle along with you and stay hydrated.

We hope these valuable tips will guide you to kick-start your passion for learning horse riding. However, as the Equestrian community says, “Horses don’t care how much you know until they know how much you care.” Just mastering the skills is not sufficient; you need to build a mutual understanding with your horse. Trust and respect are two vital factors that should define your bond with your saddled friend.

The more time you spend training, the better your skills will get, but the chances of you getting injured increase simultaneously. Therefore, before saddling up and preparing for this extreme sport, have a personal accident insurance policy and make your experience safe and unforgettable. Don’t let the fear of falling hinder your desire to learn!

Click HERE to get the best personal accident insurance policy quotes.

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.