GENERAL INSURANCE BLOG

Buying a bike takes a lot of thought and planning. Multiple factors influence your purchase. You arrange the funds, and after making a final decision, you pay the money and get a brand new bike. Just like your other possessions, your motorcycle needs optimum care too.

Maintenance of your bike is as essential as your safety while riding it. Whether you frequently use your motorcycle or occasionally, you need to ensure that your vehicle is not damaged. Even a tiny impaired part could cause significant harm to the bike and risk your safety. So as the owner, be careful about its regular maintenance.

All bikes have their periodic servicing cycle. Ensure to get professional servicing for your motorcycle at the authorised service stations. These centres use authentic spare parts recommended by the manufacturer and follow all the procedures to ensure that your bike does not suffer any damages in the long run.

But what happens after your bike is serviced? How can you assure that it has undergone proper servicing? Well, this blog will discuss what you need to keep in mind the next time you get your bike after servicing.

1. Air pressure:
Check the air pressure in the tyres. Unless your bike's tyre is visibly flat, you can't just judge the tyre inflation. Instead, use a tyre pressure gauge to check the correct pressure. Regularly check the motorcycle at different pressures when you ride it.

2. Engine oil:
You should inspect the engine oil after the servicing is completed. Make sure that proper levels are maintained. Look for any leakages. Carbon deposits can thicken the engine oil. Running the bike on dirty oil can damage the engine life in the long run.

3. Brakes:
Examine the brakes very carefully. Your bike's brakes are vulnerable to damage due to their excessive usage on the roads. Make sure that your brakes are not very loose or very tight, which would cause difficulties in applying them when needed.

4. Screeching noise:
If you hear a screeching noise, it could be due to an issue in the front brake pads. Make sure that they are appropriately checked and replaced if needed. Lack of oil could also be one of the reasons for such noises.

5. Spark plug:
Make sure that the spark plug is cleaned. And in case of any damages, ensure that it is replaced. The spark plug is connected to the engine combustion and should undergo regular maintenance. You can keep an eye out for checking the carburettor, air filters, chainset, etc.

Now that we've discussed the checklist you need to follow after completing servicing of your bike, you need to think about how to keep your bike safe from damage during unprecedented situations. The solution is to get your bike insured. And now, you can purchase bike insurance online from the comfort of your home and even get attractive deals with extra benefits. These benefits can reduce your monetary stress and cover your bike's repairing or garage costs.

Click HERE to know more about how you can buy bike 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.

For decades, clicking photographs with a film camera was the only way to store memories. Today, we use smartphones to capture and save memories as videos and pictures. However, if you are from the 90s era or before, you must still have hundreds of pictures and photo films locked away in your cupboard or neatly tucked into photo albums.

While tossing out old clothes that we've outgrown may be easy, throwing out photographs is just too difficult. They hold countless memories in a single snapshot that you never want to let go of. You may even put up a few photographs in frames to hang up on the wall or place on your bedside.

However, over the years, you may notice them begin to degrade. Some get brown patches, some turn yellow, and some develop folds and creases around the corner. Therefore, it is essential to remember these tips to preserve old photographs properly.

1. Throw out the old photo albums:
Storing the old photographs in a box or folder does not ensure their protection. Using the usual peel-and-stick photo albums is not the best option for holding your photos. They are usually made of ordinary plastic, glue, and cardboard, which can harm the pictures in the long run. If you want to save them, look for ones free from acid. Avoid albums made with dyes and recycled materials.

2. Do not stick your photographs:
Exposing your photographs to any kind of glue or adhesives can harm their quality. The paper can tear or weaken due to the use of glue. Instead of sticking the photographs in books or albums, look for albums with paper sleeves or acid-free plastic sleeves.

3. Label wisely:
Future generations who inherit the photographs may need the context behind them and labelling them with thorough information can go a long way. However, while most of us might write using a permanent marker or a pen, the ink poses a threat of staining the photographs. Instead, use a pencil and write lightly around the edges to avoid damaging the centre of the image. If you are worried about lead smudging, avoid touching the parts you've written on.

4. Preserve in appropriate locations:
Collections of old photographs are delicate and need to be stored the right way. They need to be boxed in climate-controlled areas of your home that are not too cold, hot, or humid.
Moisture and heat can affect the paper quality and the print of the photograph. Therefore, keeping the albums in paper boxes is better than using plastic boxes. Place these boxes in a closet that is not prone to flooding or intense heat, sunlight, and moisture.

To sum it up, these few measures may help you preserve the quality of your photographs and maintain their shine over the years. To make sure you continue making memorable memories much like the ones you've saved in those photographs, invest in dependable general insurance plans to secure your family.

Click HERE to buy general insurance that best suits your requirements.

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

In recent times, Indians have increasingly begun opting for electric vehicles. The reasons include saving on fuels and interest in ecologically beneficial features. When deciding if an EV is the best option for you, examine how an electric vehicle varies from a car with a combustible engine. One of these distinctions is insurance, and you must understand how an electric car's insurance in India works.

So, to help you with just that, we've discussed everything about electric car insurance in this post.

The importance of Electric Car Insurance.

1. Mandatory by Indian law:
The Motor Vehicle Act 1988 of India covers all vehicle legislation. According to the act, all cars (including EVs) are required to carry vehicle insurance to operate legally on public highways.

2. Damage protection:
Appropriate protection is essential to prevent or control damages caused due to accidents. Anyone who has had any experience with automobile repairs knows about the expenses involved, especially in the case of electric vehicles. Thus, whether the damage to your automobile is due to your fault or someone else's, a car insurance policy will cover the repairs without putting pressure on your pockets.

3. Third-party liability:
In the event of an accident claim involving third parties, you will be required to pay for any damage incurred out of your pocket. However, you won't have to worry about these ramifications with third-party liability insurance. Under your car insurance cover, your insurance company handles and compensates for any loss or damage done to third parties.

4. Personal accident covers:
Personal accident cover is also mandated as per Indian law. It protects you against uncertainties like accidental death, injuries etc. Remember, it does not come with the car insurance plan but needs to be purchased separately as an add-on feature.

Please note, there are no separate insurance plans for Electric Vehicles (as of yet). The general insurance sector in India has yet to provide specialised coverage for EVs. As of now, consumers must choose from current car insurance policies designed for vehicles with combustible engines.

Also, the IRDAI has recently ordered that insurers should promote electric car insurance policies. This means that India's third-party insurance coverage for electric vehicle cars will cost lower than traditional petrol/diesel vehicles.

What is covered under Electric vehicle insurance?

• Personal accident coverage

• Third-party insurance coverage

• Car theft

• Road accidents

• Damage resulting from fire

• Repairs and replacements of parts

• Damage resulting from a natural calamity

What is not covered under electric vehicle insurance?

• Claims after drinking and driving

• Claims if the driver is found without a driving license

• Higher damage caused due to intentional negligence

• Lapsed insurance claims

To conclude, whether you own an electric car or a traditional one. Having car insurance is mandatory and acts as your financial safety cushion. Like all your expensive belongings, protect your electric automobile against damages.

Car insurance guarantees that your vehicle stays in good condition for a long time and helps you avoid monetary stress. It also pays for expenditures incurred as a result of third-party harm. Furthermore, the IRDAI has decreased third-party insurance prices for electric vehicles by 15%. So save your EV from potential damage like it protects the environment.

Click HERE to get the best deals on car 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.

To be a vehicle owner entails a variety of duties. To get the most out of your automobile, you must frequently care for and repair it. If sufficient care is not performed, not only will your vehicle's quality suffer, but it may also cause an accident. Having your vehicle's tyres aligned regularly is one of the most important things you need to ensure tyres last longer.

Many individuals believe that alignment should be left to specialists. While this is true in many ways, some alignment specifications are simple enough to check on your own, and wheel alignment is one of them. This may be useful after upgrading steering or suspension parts so that the car isn't out of alignment during the journey to the shop, or it can at the very least offer a better knowledge of the process.

Following are a few ways you can check your car's wheel alignment by yourself.

1. Caster:
Most vehicles are constructed with a mild downward caster. Your caster angle contributes to the equilibrium of driving, balance, and turning. A high caster causes the steering axis to lean toward the driver. On the other hand, a low caster indicates that your vehicle's steering axis is tilted away from the driver.
To measure the caster angle yourself, you need to park the vehicle on a flat surface and place both wheels on the turntables. Next, install the bubble gauge on the hub. Then turn the tyre 20 degrees inwards and level the gauge. Using the adjustment knob, set the caster reading as zero. Now, move the tyre 20 degrees outwards to get the caster reading.

2. Camber:
Camber is the degree of tyre lean of a car measured in degrees. Negative camber takes place when the top of the tyre tilts inwards. Whereas positive camber occurs when the top of the tyre tilts outwards.
Most contemporary automobiles feature a somewhat negative camber to increase stability and control. Camber misalignment may be caused by worn bearing, ball joints, and other wheel suspension systems. Excessive inward or outward skew indicates poor alignment and must be corrected.

3. Toe-in:
Toe alignment, as opposed to camber alignment, is the degree to which your tyres spin inward or outward as seen from up top. Depending on the vehicle, typical toe-in standards range from one-thirty-second to one-eighth-inch. Toe-in alignment occurs when your automobile's tyres are inclined in the same direction. Toe alignments are done at the last after caster and camber are done.

As a vehicle owner, you must recognise the signs of misaligned wheels. Take a moment to check your vehicle's wheel alignment regularly. It can add to the life of your car's tyres and improve the handling. Even if you decide to get the vehicle aligned in a garage, you will better understand the issue and information.

As needed, trained and experienced vehicle experts will be able to align your wheels. However, to sustain the absolute protection of your vehicle, yourself, and anyone around you, it is advisable to opt for insurance. If you have just purchased a new car, always remember to buy new car insurance to safeguard your vehicle.

Click HERE to buy new car 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.

Health insurance consists of myriad terms and conditions that policyholders should read in detail at the time of health insurance policy renewal or purchasing. However, most of us usually do not pay heed to them and suffer at the time of settlement of the claim. An important clause involves sub-limits in a health insurance policy and the subsequent proportionate deduction.

Sub-limits in health insurance policies usually include capping or limiting the room rent during your hospitalisation. There are a variety of rooms available in any hospital, ranging from general wards to semi-private rooms and deluxe rooms. There is also a proportionate deduction clause associated with the sub-limit. Let us understand these terms in detail.

Sub-limits explained.

Sub-limits are limits or maximum percentage of the total sum insured that an insurance company will bear for the hospital expenses under various categories. Insurance companies usually use the maximum permissible room rent in the hospital as a benchmark for deciding the sub-limits.

For example, if your health insurance policy is Rs.5 lakhs and the permissible sub-limit for room rent is 1%, the insurance company will only bear 1% of Rs.5 lakhs or Rs.5000 per day for the rent of your room in the hospital. Any amount over it will have to be borne by you.

In this case, if your room rent is Rs.7000 per day, the excess amount of Rs.2000 over the sub-limit cap of Rs.5000 per day will have to be borne by you. Generally, the sub-limit on room rent ranges between 1%-2% of the total insured amount.

Proportionate deductible clause.

Insurance companies usually insert a proportionate deductible clause in health insurance policies. The companies calculate the excess room rent over the sub-limit allowed in percentage terms. They then deduct a proportional amount from all associated treatment costs, including surgery fees, tests, doctor consultation and visiting charges, ICU charges, etc. The insured has to bear them from his pocket.

Insurance companies use the following formula to calculate the proportionate deduction.

Excess room rent over the room rent limit/ Room rent limit as per the policy x 100
For example, suppose the room rent limit per the policy is Rs.5000 per day, and the actual room rent is Rs.7000 per day. Hence, proportionate deduction to be applied:
2000/5000 x 100 = 40%
In this case, if the doctor consultation fee is Rs.2000, the insurance company will deduct 40% of this amount, i.e., Rs.800, and will cover only Rs.1200. The remaining Rs.800 will have to be borne out of your pocket.

How to deal with the proportionate deductible clause?

You should always check whether the proportionate deductible clause applies to your health insurance policy when purchasing it. If applicable, you should adhere to the sub-limit cap and choose a room accordingly in the hospital, especially if your hospitalisation period exceeds 3-4 days. This will ensure that the insurance company cannot apply the proportionate deductible clause and will cover all expenses during the hospitalisation period.

If your policy includes a sub-limit capping, consider changing your insurer at the time of health insurance policy renewal to one without such a clause. We can also port our policy to some other company for this purpose.

A health insurance policy is fundamental in the present world because of our food habits and lifestyle. However, only some people know the concept of sub-limit capping and proportionate deductible clauses. This can burn a big hole in your pocket in a medical emergency.

Do not worry if your health insurance policy comes with these riders. Shift to another policy or company at the time of health insurance policy renewal. This will protect you while ensuring that the insurance company will bear all the hospital expenditures in case of hospitalisation.

Click HERE to purchase reliable health 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.

Are you looking to purchase your first two-wheeler or perhaps on the hunt for an upgrade to your current one? You must have heard various terms such as BS6 and BS4 being used for two-wheelers. Before we jump into understanding them, let's understand why we are talking about these classes.

In order to address the growing concerns about pollution and global warming, the Government of India has introduced regulations known as Bharat Stage Emission Standards (BSES). BSES is the governing body responsible for regulating the output of air pollutants coming out from vehicles. The BSES has made it mandatory for all motorcycle producing brands to register and primarily sell only BS6 bikes from 1st April 2020.

In this blog, we will try to bring forth everything there is to know about BS4 and BS6 engines.

What are BS4 and BS6?
BS4 and BS6 are the 4th and the 6th iteration of the BSES pollution regulations. The Central Pollution Control Board put forth the BS4 emission norms in 2017, which permitted 50 parts per million sulphur content. However, with the introduction of BS6, it was mandated that only ten parts per million Sulphur content were allowed.
Due to BS6, India's emission norms are believed to be equivalent to those of developed countries. BS6 means cleaner fuel and less toxic gases from the exhaust, thus reducing the pollutant content in the air.
The BS6 petrol engine is 25 per cent cleaner than the BS4 motor. And in the case of diesel, it is 80 per cent cleaner than a BS4 diesel engine.

Can you use BS6 fuel in a BS4 vehicle?
BS6 vehicles aren't everywhere just yet, so most motorcycles using BS6 fuel are BS4 vehicles. The important thing to keep in mind is that it is a cleaner fuel and will be perfectly fine for your engine.
Once the laws are mandated, every fuel station will be pumping BS6 fuel. So it is unreasonable to expect one to change their vehicle. This is why it is acceptable to use BS6 power in your BS4 vehicles.

Can you use BS4 fuel in a BS6 vehicle?
It is highly unlikely to have any immediate effect on the motorcycle. There has been certain ambiguity when it comes to this. The petrol engine manufacturers said no effects were seen when a BS6 vehicle used BS4 fuel. However, in the case of diesel engines, there will be some wear and tear eventually. Though, the repercussions would be seen over a very long period.

With the constantly changing time and increasing pollution and population, the automobile industry is preparing for revolutionary changes in the next five to ten years. The laws concerning pollution are becoming more stringent, and it is essential to keep your bike's health in top order to avoid hefty fines in future. Regular check-ups, including pollution checks and servicing, are vital for the good health of your two-wheeler.

It is a good idea to purchase bike insurance to protect yourself from any expenses incurred during these processes. Invest in the bike insurance plan that comes with an attractive premium and features to benefit you when in need.

Click HERE to check out bike insurance plans.

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.

Car insurance services are evolving to serve their customers more efficiently and effectively. With the advancement of technology, car insurance has moved from paper-based to digital-based insurance offerings. One such evolution in car insurance is introducing pay-as-you-drive insurance.

If you've never heard of the term, here's all you need to know!

What is pay-as-you-drive insurance?

The pay-as-you-drive insurance model is a new car insurance policy recently introduced in India. It allows the policyholder to customise their car insurance and reduce the premium. The required third-party liability car insurance is included in the pay-as-you-drive insurance for the length of the policy. Apart from that, it provides comprehensive coverage based on the distance the car travels. Policyholders of pay-as-you-drive insurance pay the premium for the distance their car covers.

There is no need to worry about the authentication of pay-as-you-drive insurance, as the Insurance Regulatory and Development Authority of India (IRDAI) has approved this insurance mode. Therefore, some car insurance companies in India offer and accept the pay-as-you-drive insurance model. This insurance is an excellent option for infrequent drivers. So, if you take out your car occasionally, this insurance is an advantage for you!

How does pay-as-you-drive car insurance work?

As mentioned above, pay-as-you-drive is new in India, and only some people are aware of the rules and regulations of this insurance policy. To make things easier, we have mentioned some essential points for a better understanding.

1. Research a little about the insurance company:
Only some insurance companies are offering the pay-as-you-drive insurance mode. Thus, it is essential to look for genuine sellers. Conduct basic online research about those who offer this plan. Once you've found a genuine insurer, you'll need this feature to move forward with the insurance policy along with
● Recent odometer reading and other essential car details
● Consent form
● Necessary KYC details
● Driving licence
Besides these, provide other documents requested by the insurance company.

2. Deciding the kilometres:
Unlike other types of car insurance, the premium for a pay-as-you-drive policy is determined by the number of kilometres driven by your car. While choosing the policy, you must make an informed decision on how far you wish to drive your vehicle since you'll have to pay the insurance premium according to the distance your car covers. Be sure to check and read all the terms and conditions before finalising.

3. Installation of the telematics device:
As your insurance company may have told you, you may need to put a telematics device in your vehicle. The telematics devices help record the kilometres driven by your car. You can easily install the application on your smartphone and keep a record of how much total distance you have covered.
The insurance company can also use this application to remind you about the exhaustion of the chosen kilometre slab. They can also inform you about easy top-up and renewal notifications.
In addition to tracking how far a car has gone, the device provides information about average speed, how the brakes are used, etc. With all this information, the premium is calculated by analysing the collected data.

Initially, purchasing such a new insurance policy may seem risky. Over time, you'll realise that it is an excellent way to protect your car if you're an infrequent driver. Research more about the pay-as-you-drive insurance policy and consider purchasing the policy from the best car insurance company in India to ensure complete protection for your car.

Click HERE to buy car insurance to safeguard your car from mishaps.

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.

No matter how prepared you are or how well planned your life is, there is always something that catches you by surprise. You could be out on a trek, visiting a wildlife sanctuary, or just simply walking in your garden when you spot a snake, and while your first instinct may be to run, it is said that snakes do not attack unless they feel threatened.

So staying calm and avoiding movement might be the best option you have. However, if you find yourself in a situation involving a snake bite, these are the few things that you could follow to ensure your or the victim's safety.

1. Staying calm:
This might seem like a banal comment during emergencies, but staying calm ensures that your heart is not pumping blood vigorously. Panicking leads to faster circulation, which means it will spread the venom.

2. Restrict movement:
This step is crucial, as the passage of the venom is not directly associated with blood flow. The venom flows through your lymph, which only moves when you do. So any calls that you need to make for the ambulance should be done by somebody else.

3. Pressure immobilization:
Bandage firmly, 'above' the area of the bite. Use a piece of cloth if a bandage is not available. Roll it around the lymph till whatever place it can reach. Now splint the affected area to keep it still. Use any stick, rolled-up layers of paper, etc., to support.

4. Do not wash the wound:
Washing the area gets rid of the venom that the doctors can use to identify the species of snake. Therefore, it is advised to leave the affected area as-is for the benefit of the doctors.

5. Rush to the nearest hospital:
The only remedy to a venomous snake bite is to get an anti-venom as soon as possible. Rush to the nearest medical facility to ensure that timely medication is provided before the patient's condition turns critical.

6. Keep the victim warm:
It is crucial to keep the patient warm and calm to keep their blood pressure under control. However, no caffeine or alcohol should be given. In addition, any food or beverage, including water, should not be provided since it will slow their metabolism.

7. No ice packs and self-medication:
Research shows that using an ice pack on snake bites is harmful and can add to your problems. Avoid the inspection and cleaning of the wound, and avoid using medicines that you might use for regular cuts and wounds. Don't take any action without proper knowledge. The hospital staff are trained to attend to the wound, the venom, and the medication for every circumstance.

Sticking to the steps mentioned above will buy the patient some time before the anti-venom can be injected. As mentioned, a snake bite can create a sense of panic and fear, but maintaining your calm and taking the first aid measures ensures that you have sufficient time before reaching the doctor or medical facility.

Life is full of surprises, some good and some bad. Being prepared always helps, which is why you should invest in good health insurance. With a plethora of options available in the market, you can sit back and not worry about the unnecessary expenses you might face in case of such emergencies.

Click HERE to find out more about health insurance plans that you can invest in.

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 number of vehicles on Indian roads is witnessing an ever-increasing trend. This graph simultaneously shows a sharp rise in online motor insurance policyholders. This is primarily due to the increase in the disposable incomes of families and the changing lifestyle. However, this has also resulted in a drastic increase in road accidents and road rage cases.

It is the need of the hour to promote safe driving on the roads so that people feel protected while using the streets. Providing various incentives for policyholders by online motor insurance companies may encourage safe driving on the roads. Let us see how.

1. Telematics:
Driver telematics is gaining popularity and is an important tool to study and alter irresponsible driver behaviour on the roads. It can also be used as a data analysis tool to provide insights into driving behaviour and reward or penalise a driver.
Telematics in insurance can be app-based or black-box based. It can be useful in tracking driver behaviour, speed, acceleration style, clutch use, braking pattern, etc. Motor insurers can develop a point-based system and reward safe driving on roads with positive points. This means you will be rewarded with positive points if you maintain a good average speed, do not jump traffic signals, and are not involved in any accidents.
On the other hand, you can be penalised by providing negative points if you overspeed, jump traffic signals, or indulge in rash driving and accidents.
The drivers with positive points at the end of the insurance term get a discount on their renewal premium as an incentive. Drivers with net negative points at the end of the year will be charged a higher premium as a punishment. This can provide drivers, especially beginners, a great incentive to drive safely and responsibly to lower their premiums.

2. No-claim Bonus:
Most online motor insurance companies already provide a no-claim bonus or NCB to incentivise safe driving under a comprehensive car insurance policy. You get discounts of up to 50% of the insurance premium at the time of renewal if you have yet to make any claim throughout the year.
NCB is a great incentive for policyholders to encourage safe driving on roads. It encourages driving responsibly and safely, thereby preventing accidents. NCB ranges from a 20% discount in the first year of renewal to 50% for the fifth or higher claim-free year.

3. Damages and dents:
Motor insurance companies can provide incentives such as discounts on renewal premiums to the drivers to keep their cars free from scratches, external damages, and dents. They can check for such external damages during insurance renewal and reward the customers with minimal or nil external damage. This will motivate the drivers to drive safely on the roads so that they do not engage in any collision or accident with other vehicles or property.

Providing incentives for policyholders to encourage safe driving on the roads is paramount and the need of the hour. The number of accidents and loss of lives and property due to them will decrease significantly. Moreover, this will benefit online motor insurance companies, as safe driving will mean fewer claims resulting in higher profits.

Online motor insurance companies highlight the incentives they plan to provide on their websites and all the portals providing online motor insurance services. Potential policy buyers should go through these incentives and policy details to choose the best online motor insurance policy. Irrespective of the incentives and benefits, drivers must always have the mindset of safe driving.

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.

Buying a bike is a significant investment for any individual. You put a lot of thought and money into the type of bike you want. The model, budget, brand, features, arrangement of finances are some significant factors a prospective bike owner must consider while making a decision.

An essential part of finalising the type of bike you want is determining the fueling system: carburettor or fuel injection system. For someone who desires to buy a motorcycle but is not technically sound, determining the difference between these two can be an exhausting process.

In this blog, let's understand the difference between fuel injection and carburettor in bikes so that you can get a clear idea about which one would serve your needs in the best way possible.

Let's have a look at the carburettor:
The carburettor is the traditional fuel-delivery system in two-wheelers. It has been the standard system opted by most manufacturers in India. The carburettor consists of a tube connected to a venturi. The venturi then reduces the fuel's flow by narrowing it into a cone-shaped tube. Air pressure is created by the device developing suction to draw the fuel. In layman's terms, the carburettor combines air and fuel in a definite ratio and passes it on to the combustion chamber.

Why should you opt for a carburettor?

1. They are relatively cheap, resistant and sturdy.

2. Affordable and easily replaceable.

3. Fine-tuning is possible (improves mileage).

4. Easily removable and serviceable.

What are the difficulties you might face?

1. You might experience a lag when you squeeze the throttle while riding.

2. It cannot achieve optimum fuel efficiency.

3. Prone to damage (wear and tear).

4. Dust blockages can be problematic.

Now, let's understand what a fuel injection system is?

A fuel injection system is a modern technology-based system used in bikes in the current times. It consists of multiple electronic components and sensors that form the Electronic Control Unit (ECU), which monitors the whole fuel-injected system. The fuel pump inside the tank monitors and controls the fuel flow. The ECU calculates the air and fuel needed for the combustion process.

What are the advantages?

1. Sharper throttle response with no lag.

2. Precise air and fuel mixture for efficient combustion.

3. Durable and low maintenance process.

4. Better mileage.

5. Reduced air pollution.

What are some hitches of the fuel injection system that you might face?

1. Comparatively expensive than the carburettor system.

2. Difficult to fine-tune without expensive and complex tools.

3. ECU takes a professional understanding of how things work. Regular mechanics might find it challenging to repair.

Those were the significant concepts, advantages and challenges to help you understand the difference between fuel injection and carburettor in bikes. This will help you determine which system would cater to your needs in the best way possible. Now, to make sure that you safeguard your bike during unfortunate incidents, it would be a wise option to get it insured.

Explore the market and buy the best two wheeler insurance online India which suits your needs. Digital technology has made it convenient for customers to purchase insurance of their choice online without any intermediary's involvement.

Click HERE to know more about how you can purchase 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.

Cars are fantastic companions for commutation, whether you're cruising along highways, navigating busy roads, or going off-roading. On the other hand, the technology-driven components of the cars determine their performance in various conditions.

The variety of car features has significantly increased in recent times, and you now have more choices when selecting your next car than ever before. One such option is a four-wheel drive (4WD) car based on the drivetrain system you want to use.

A 4WD offers to maximise the effective usage of the vehicle on rough roads and rocky terrains. It is an exciting concept that has been introduced in the automobile sector but requires good knowledge to utilise it to its best potential.

You need to understand the merits and demerits of 4WD to make the right choice before buying one.

Advantages of 4WD:

1. A widespread myth is that you must always drive your car in 4WD mode. You have the option of switching between 4WD and 2WD at any time. Modern four-wheel-drive automobiles have a button that activates or disengages all four wheels. So, if you don't require all four wheels to work simultaneously, you may drive around with the 2WD system.

2. In hazardous driving situations such as snow, ice, mountain regions, and other scenarios where staying in control is challenging, 4WD enhances traction and control by engaging both sets of wheels.

3. The improved traction gets combined with the engine's enhanced power. It provides the extra boost 4WD vehicles require to climb over obstacles and up steep inclines. It is ideal for off-roading and mountainous terrain.

Disadvantages of 4WD:

1. The most significant downside of 4WD is the increased expense of acquisition, and maintenance. The extra equipment (transfer case, differentials, etc.) increases the vehicle's complexity and weight, increasing its original market value.

2. Furthermore, the additional weight of a 4WD system and the additional power generated result in lower fuel economy than 2WD systems. Driving your automobile with all four wheels producing power will burn more fuel.

3. Drivers that employ 4WD may grow overconfident, leading to more situations where they become stuck. Excessive confidence can even lead to dangerous accidents if the driver loses control over the vehicle and fails to manage the power that is being generated.

4. The 4WD system connects the front and back driveshafts, ensuring that all four wheels revolve at the same speed. It makes it harder to turn the car because the wheels must move at different rates to corner successfully. The inner wheel rotates slower than the outer wheel, which must traverse a greater distance in the same amount of time. As a result, the outer wheel will rotate quicker. You will damage the transfer case, gears, and drive shafts if you turn the car with 4WD activated. Hence, it's best to use 4WD only for off-roading.

A 4WD is a fantastic investment if you enjoy driving off-road or if you have to deal with difficult driving conditions regularly. But don't assume you need 4WD to get to and from work.
Whether it is a 2WD or 4WD, securing your car from damages is paramount. Accidents are unpredictable, but safety can be defined beforehand. Buy car insurance policy online to stay financially shielded and protect your car to get the best returns on your investment.

Click HERE to buy car insurance policy 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.

A person’s 20s are a hectic yet exciting part of life. Many gain financial freedom and start deciding how to spend their money wisely. The 20s are a time to be living it up, but it is highly sensible to shell out some money to invest in the best health insurance in India.

As you get older, getting health insurance becomes trickier and more expensive, and it is ideal for insuring yourself against the mounting healthcare costs early in your 20s.

This article gives insight into the benefits of getting insured in your 20s.

The waiting period will not affect you as much:

The waiting period in health insurance terms is when a policyholder cannot claim insurance for certain diseases, pre-existing ailments, etc. This is fine for a policyholder who takes their health insurance in their 20s. As the waiting period is spent in your 20s, when you have a lesser probability of getting diseases, you would be spending this waiting period at a time when you don’t need coverage.

As opposed to this, taking health insurance in your 40s or 50s is much more troublesome. You might have to compromise on getting the benefits of your health insurance and wait for 2 to 4 years before getting the disease-specific help you require.

1. Lesser premium:
Insurance providers assess the risk associated with a person before deciding the premium and the cover of a policy. Generally, a person in their 20s has a lower risk of needing the payout. Thus, the premium is much lower than a person in their 30s or 40s is paying for the insurance policy.

2. Tax benefits:
Health insurance plans provide another significant advantage in the form of tax deductions. Under the Income Tax Act 1961, one can avail of tax benefits if the policyholder pays out of pocket for the health insurance premium. You can avail of these benefits for yourself, your ageing parents, your spouse, and your dependents.

3. More comprehensive health insurance plans:
Being in your 20s makes you a suitable candidate for health insurance. This is because there is less possibility of pre-existing illnesses in these years. Your policy issuer automatically covers any new diseases that materialise after you’ve taken the insurance. Also, you can select a suitable plan according to your budget and requirements by researching the best health insurance in India

4. You can avail of no-claim bonuses for a long time:
No-claim bonuses are discounts on premiums given to policyholders when renewing their policy as a reward for not filing a claim within the policy tenure. The percentage of discount differs between companies. As there is a lower probability of filing a claim in your 20s, you can avail of your NCB for longer or transfer it during renewal.

5. Rejection rates are almost nil:
An insurance company may reject your application based on your medical history. As there are fewer chances of pre-existing illnesses among young individuals, there is less chance of rejection. Also, you may opt out of paying a copay in your health plans, which is impossible for aged policy seekers.

With the present trends of inflation, especially in the healthcare industry, it is prudent to purchase the best health insurance in India early to reap the benefits of protection for an extended period. Since the cost of living only increases as you rise in the ranks of your profession and earn more money, it is ideal to start investing in health insurance from an early age. We urge young professionals to consider investing in the best health insurance in India not just as a tax-deductible but to protect their present wealth and future earning capacity.

Click HERE to know more about the best 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.

Tobacco use is both a physical and mental addiction. This deadly habit has affected a vast population worldwide. Nowadays, smoking and chewing tobacco observe no age as the majority of the youth are trapped under the negative influence of excessive tobacco use, which becomes irresistible and difficult to quit.

Nicotine delivers a transient high. To quit smoking, you must prohibit both the addiction and the associated behaviours and routines. With the correct assistance and quitting strategy, smokers can overcome their habit even if they've tried and failed previously.

We're all aware of the harm caused by smoking and how it isn't easy to quit. When you stop getting your tobacco dose regularly, your body goes through physical withdrawal symptoms.

Following are ten tips that will guide you to quit smoking in no time.

1. Make a quitting strategy:
Following the "no puff" criterion is always beneficial. Consider challenging situations and prepare your moves. Promise yourself not to smoke and stick to this until the cravings pass.

2. Observe when you require a smoke:
Identify the times when your cravings are at peak and avoid those situations. Instead, engage yourself during this time to keep you from giving in.

3. Get going:
Exercising is a known way to reduce addiction. For example, a simple 5-minute walk or stretch helps your brain to release anti-craving hormones that further reduces cravings.

4. Maintaining proper hydration:
It's an excellent idea to keep track of what you drink, just as you do with what you eat. While it is necessary to drink enough water, certain beverages are not suggested since they encourage smoking.

5. Apply relaxing methods:
Relaxation methods, such as deep breathing exercises, muscular relaxation, yoga, massage, listening to calming music, or visualisation, may help take the edge off.

6. Keep your mouth engaged:
Whenever you feel the urge to smoke a cigarette, munch on some snacks. And remember, you don't always have to snack on junk food; snacks can be healthy too. You can even eat chewing gum to keep your mouth engaged and avoid cravings.

7. Think about your diet:
Some meals, especially meat, make cigarettes more enjoyable. Others, such as cheese, fruit, and vegetables, make the smoke less desirable. So rather than your typical steak or burger, try having veggies instead.

8. Get some help in quitting:
If you have people around you who wish to quit smoking, offer them to stop together. Your local ‘quit smoking club’ may also assist you. With professional guidance and advice, you're four times more likely to succeed in quitting.

9. Keep a positive attitude:
You may have tried and failed to stop smoking in the past, but don't let that discourage you. Instead, consider what your history has taught you and how you want to do things differently this time.

10. Reassure yourself of the advantages:
Remember the benefits of quitting, such as better health and relations, healthy resistance mechanisms, etc. Also, keep in mind that every time you fight a cigarette urge, you're one step closer to becoming smoke-free.

It's never too late to undo something. So, let this World Cancer Day motivate you to quit smoking and walk towards healthy living. Smoking might give you pleasure for a couple of minutes, but it takes away more than you realise. Not to mention the severe illness and ailments that come with it. So, make the wise decision to just give it up.

Besides quitting smoking, buying health insurance can be crucial to living a healthy and long life. Take account and responsibility for your health, and don't hide any information from your insurance company regarding your smoking or drinking habits. Be true to yourself and give all accurate details to get the best benefits of your health insurance at the time of need.

To buy health 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.

Diesel engines are commonly used in the automobile sector. Cars, trucks and other vehicles rely heavily on them. On the other hand, diesel-powered bikes are rarely seen. Have you ever wondered why? It's not like the industry hasn't seen diesel-powered motorcycles before. In India, only one diesel-powered bike has been introduced. But that is all.

If bikes can run on gas and petrol, why not diesel? With the petrol prices touching new highs every month, it only makes sense to have bikes with a diesel engine, right?

Although the idea is not bizarre, it isn't easy to execute. Keep reading to know why manufacturers do not use diesel engines in bikes. We have mentioned five reasons that will help you understand better.

1. Compression ratio:
The compression ratio of a diesel engine is 24:1, which is higher than a petrol engine's compression ratio of 11:1. The diesel engine must be bigger and heavier to accommodate such a high compression ratio. As a result, it is heavier than a gasoline engine, making it unsuitable for a small vehicle such as a motorbike.
The diesel-powered engine creates greater vibration and noise than the petrol-powered engine due to the higher compression ratio. A bike will not be able to sustain such high vibrations and noise levels.

2. Heating issues:
As compared to petrol engines, diesel-powered engines generate more heat. When diesel burns, it creates a lot of heat, harming the cylinder walls and other engine components like pistons and valves.
To lower the heat, manufacturers will need a larger surface area and a more effective cooling system which is inconvenient. On the other hand, petrol engines produce less energy per gallon. As a result, they stay significantly cooler and are less prone to harm the engine.

3. Price and Size:
The addition of a turbo compressor to push extra air into the cylinder increases the expense and size of a diesel engine. Moreover, injector technology is utilised to pump fuel into the combustion chamber, which is more costly than petrol engine spark plug technology.
A diesel engine is much larger than a petrol engine, and it requires a lot of force to start, making it unsuitable for motorcycles.

4. Greater torque but low speed:
Diesel engines generate greater torque. However, they have lower revolutions per minute (RPM) when compared to a petrol engine. Diesel isn't regarded as an ideal fuel since bikers' high-performance bikes demand greater RPMs.

5. Not so eco-friendly:
The amount of carbon dioxide produced by a diesel engine is around 13% more per gallon than a petrol-powered engine. Its usage is harmful to the environment, observing the average number of motorcycles used nationwide. This figure can be a significant threat to India's climate.

There you have it, all the key reasons why manufacturers won't produce diesel-powered bikes. Even if we look from a biker's perspective, no biker would want a bulky bike with more cons than pros. Although if the technology evolves in the future, we might have a diesel engine revolution. Until then, stick to your petrol-powered bike and insure it with the best two wheeler insurance in India. You can browse multiple options and choose one with the best premium and benefits.

Click HERE to buy the best two wheeler 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.

While bikes are the most commonly preferred mode of personal transport used in all-terrain conditions, easy to manoeuvre, and convenient, their safety is often ignored. The government's strict move to mandate bike insurance makes it evident that the safety and protection of the rider are essential and can’t be compromised.

Besides bike insurance, you can also ensure safety through regular maintenance and preventive measures to avoid mishaps. Punctures are one such risk that you may encounter at any time. They can be frustrating but are unavoidable. Here are some factors riders should be aware of that could lead to a tyre puncture.

1. Old tyres:
As consumables, tyres must be replaced every 5 years or 30,000 to 40,000 kms, based on the riding style and road terrain. If you notice little surface rips, a large tear that may expose the tube, cracks, or other symptoms of wear down, the tyre has to be changed. Since they are your primary point of contact with the road, having new tyres will reduce the probability of having a puncture and improve the overall feel of your vehicle.

2. Sidewall cracks:
The lack of use of the vehicle, the environment, or parking the two-wheeler in direct sunlight can all cause tyre sidewall cracks. They might seem insignificant, but they can cause catastrophic air leaks over time.

3. Pinch flats:
Pinch flats can occur because the tube is forced against the wheel rim and either tear or explode on pumping. The incident occurs due to the hasty insertion of the tube and carelessness. Always partially inflate the tube before fitting it to prevent this from happening.

4. Increased tread wear:
Tyres include grooves known as treads for better traction and grip on the ground. The impression deteriorates due to use, making it difficult to manoeuvre the bike by decreasing traction and lengthening the time taken to brake. A tyre wear indicator is typically an arrow sign that shows the extent of wear and the point at which you should change your bike's tyres.

5. Ignoring tyre inspection:
Small, sharp objects pierce the rubber of the inner tube to cause a puncture. If the item remains lodged in the tyre unnoticed for a long period, it can cause the new inner tube to be punctured. Have a proper tyre inspection before replacing your tube to avoid such issues.

6. Wheel damage or bending:
The alloy wheel or steel wheel may break or bend from the area around the tyre bead if you ride over a large, deep pothole, collide with another vehicle, or have an accident. This may result in an air leak due to a puncture.

7. Improper tyre pressure:
Under-inflated tyres will bend in response to the slightest bump or obstruction, making them vulnerable to pinch flats when the tube can become wedged between the rim and the tyre. You risk hitting a pothole or other impediments with more force if you have too much pressure in your tyre, making it challenging to bend against any object and keep it rigid. Your weight, the breadth of your tyres, and the weather will all affect the proper tyre pressure.

8. Unusual deterioration pattern:
The tyre may show signs of wear and tear. It can be on the shoulder or in the middle of the tyre. Mechanical problems, such as worn-out shock absorbers or a problem with wheel alignment, are to blame. It's essential to replace the tyre if it shows evidence of abnormal wear and tear.

9. Valve stem damage:
The valve stem, located on the inner circle of both tube-type and tubeless tyres, is where you fill the tyres with air. The ability of the tyre to retain air decreases if that valve stem is damaged, whether by corrosion, blockage, or breaking.

Punctures are a constant worry, especially considering bikes' lack of sophisticated safety features. While you cannot prevent punctures, you can keep a look for signs of a possible puncture. We also recommend riders consider purchasing comprehensive bike insurance. This will shield you, your bike, and others from finances worries if your bike suffers severe damage.

Click HERE to purchase the best bike insurance to secure your assets and finances.

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.

No matter how much we stress about the rising fuel prices, there isn't much we can do about them. Then how do we ensure we use our vehicle efficiently and stay stress-free about the condition of our car? Moreover, how do we compensate for the fuel prices we pay?

Do you know regular maintenance of your vehicle can save you up to thirty per cent of fuel consumption? And yet, a lot of car owners slack off on taking care of their vehicles. Some don't go for regular servicing, and others use cheap spare parts and end up damaging their car.

This blog is your guide on improving the fuel efficiency of your car. We will discuss various ways to attain maximum efficiency without widening the hole in your pocket created by the increasing petrol and diesel prices.

1. Avoid leaving the vehicle idle:
Leaving your vehicle in an idle state at traffic signals consumes almost a gallon of fuel and increases your carbon footprint by releasing unnecessary carbon dioxide into the air. Instead of leaving your car in an idle state, restart as per your necessity. This saves a lot of fuel and minimises carbon dioxide emissions into the atmosphere.

2. Warm-up:
Slowly and effectively heating your car's engine is a better choice than revving it. Unnecessary pressure will decrease the efficiency of your engine, and it will consume more fuel for power generation. After starting your vehicle, wait for thirty seconds to allow the engine to warm up properly at its own pace.

3. Say no to heavy braking:
Reduce the use of throttle and avoid applying unnecessary heavy brakes. This saves your vehicle from the possibility of wear and tear and decreases fuel wastage by almost thirty per cent, thus improving your car's fuel efficiency.

4. Don't rev your car:
Revving your engine causes wastage of fuel. It flushes down all the oil from the cylinder walls. The absence of oil could worsen the next time you start up your car. This will put pressure on the engine and result in excessive fuel consumption.

5. Multiple errands:
Planning your trip according to your errands can efficiently help you utilise the fuel. You can combine and run multiple errands and reduce the number of trips.

6. Alignment:
Check the alignment of the chassis parts and suspension. If the wheels are bent, or if there are broken springs, the drivetrain drag of your car will increase, resulting in increased fuel consumption. Defective parts and misalignment can also put your safety in danger and amplify the risks of accidents.

That's a wrap on how to improve your car's fuel efficiency. Using these tips, you can ensure maximum and optimum utilisation of the petrol and diesel you put in your vehicle. While fuel efficiency is an essential aspect of owning a car, ensuring your car's security is equally important. Invest in car insurance and protect your vehicle from any unfortunate incidents. To purchase insurance, explore the market, and browse through multiple deals to ensure that you get the best car insurance price in India.

Click HERE to know more about how you can get the best car insurance price 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.

In the hustle and bustle of today’s modern world, youngsters are always looking for an adrenaline rush. This rush has made extreme sports increasingly popular in this day and age. Due to India’s wide geographical variety, many of these sports are offered in different corners. From exploring the mesmerising aquatic life and corals in Andaman to parasailing in Goa, these sports can push you physically and psychologically out of your comfort zone.

However, checking the coverage offered by your personal accident insurance policy before engaging in such sports is always recommended. This ensures that your insurer provides compensation in case of accidents while participating in adventure sports.

One such extreme sport that is getting increasingly popular among young Indians is powerbocking. This blog will introduce you to powerbocking and the thrill you’ll crave once you indulge in it!

What is powerbocking?

Powerbocking is an extreme sport where players wear jumping stilts and jump to great heights. Jumping stilts are specialised leg attachments containing springs to hoist the person into the air. Jump stilts are very exciting! They enhance your ability to do tricks and flips and help you take greater strides, which makes you run faster. These stilts are called powerbocks after the creator, Alexander Bock, a German inventor who first named them powerskip.

It is a popular sport in urban cities, and finding a surface on which you can go powerbocking is essential. Balance being one of the critical factors affecting this sport, it should not be done on grass or dirt, as the boots have a small surface area on the ground, which may lead to injury. Thus, jumping stilts should ideally be used on asphalt or cement. Since this can result in injury due to the hard nature of the surface, you should be equipped with a personal accident insurance policy that covers such accidents and injuries for your physical and financial safety.

While they may seem unfamiliar in Indian settings, they were recently used in an Indian sporting event. Different interesting videos on social media have always been creating a buzz regarding this sporting activity. With time, this event is expected to observe growth in India too.

● Benefits of powerbocking:
Powerbocking makes you feel superhuman without the same risks as other extreme sports. They are most suitable for people who want to feel like bionic humans from the future without any of the associated perils. It is an exciting offbeat adventure sport that one should surely try.

● Risks associated:
Despite being a reasonably harmless sport where the most significant injury is usually a knee scrape, some people have suffered severe injuries while seeking the thrill of jumping in these devices. For such misadventures, it is always advisable to take an extreme sports insurance policy or a personal accident insurance policy covering medical costs for such injuries.

● Powerbocking competitions:
When it comes to any sport, the main thrill of it is the competition. They bring out the competitiveness of the best players in the world and are incredibly engaging to see. As this is a niche adventure sport, there are fewer worldwide competitions, and the most famous ones are in France. The Riser Winter Cup, held each year in Lille, France is one of the most sought-after competitions for powerbockers.

Have you ever watched videos of Kangaroos jumping and wished you could jump that high or take such great strides? Then powerbocking is the perfect sport for you. Just make sure to take the proper precautions before undertaking this sport. And the first step to your security begins with purchasing personal accident insurance policy.

Click HERE to know more about personal accident insurance policy.

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.

Cars have multiple indicators, all with specific functionalities. These indicators play a significant role in keeping you and your car safe, especially while driving. They exhibit deceleration, assist in showing the vehicle's change in direction and make the car's functionalities accessible. They help avoid collisions with other vehicles, thus protecting you from accidents and damages.

We need to understand car indicators in a better way. Let us discuss car indicators structurally, functionally, and common mistakes that can endanger you.

1. The structure of indicators:
Whether attached at the side, front, or rear of your vehicle, the car indicators on the exterior provide information to other people on the road via signals, thus maintaining a safe distance with other cars and pedestrians. These indicators are responsible for ensuring safety on the road.

Usually, a car's signal light consists of three parts assembled together-bulb holder, housing, and cover lens.

• The housing consists of moulded reflectors.

• The bulb holder places one or more light sources relative to the optical system of the light.

• The cover lens is in charge of the light distribution through patterned structures.

2. The functioning of indicators:
The rear light consists of several functions which work on the same brightness level during the day, fog, or night. But thanks to the Adaptive Signal System, the signal lights in the rear combination lamp can adapt to the weather conditions individually. The light intensity can be varied according to the weather and the visibility conditions.
More LEDs light up with more significant displays. Different braking signals meet their requirements in other ways, such as increased brightness or flash frequency, ensuring convenience.

3. Handling the indicators:
Pulse Width Modulation (PWM) controls the light sources in many vehicles. It has many advantages, one of which is using the same bulbs for different functions. This also increases the service life of the bulbs.

Note: The manufacturer's information and specifications should be strictly complied with while replacing the bulbs in the signal lights. An incorrect bulb replacement can create an issue regarding the light intensity.

4. The faults:
A faulty indicator signal light can be snuffed out before it becomes dangerous. Without a signal, or failing to use your turn signal while turning or changing lanes can cause confusion between you and the other vehicles. It can further lead to severe accidental circumstances.

Improper use of high beams or glare can cause poor visibility of the vehicles coming in your direction, resulting in collisions leading to severe damages. Avoid driving without headlights at night and use high beams only when there is light traffic or absolutely no cars on the road.

Now that we have discussed car indicators in detail, a wise option would be to understand how unprecedented circumstances can endanger your car's safety and efficiency. To further protect your vehicle, you can research multiple insurance options that provide all possible features required by you. And once you finalise, buy motor insurance online to avoid all the outdoors hassle and add value to your valuable possession.

Click HERE to know more about how you can buy motor 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.

Car insurance might include many technical languages that can be difficult to grasp or make sense of. One such concept that might perplex people is "total loss." If you are involved in an unfortunate event where your vehicle sustains significant damage, this is referred to as ‘Total Loss’ in insurance jargon.

This is a tragic situation, and you must follow particular procedures to submit an insurance claim. In case of a total loss, the cost of restoring and repairing your car exceeds 75% of the insured declared value (IDV). Let us learn more about this term, what it means, and some other areas of motor insurance linked to it.

Total loss in car insurance:

When the calculated cost of repairing a damaged vehicle exceeds the car's actual cash worth, the automobile is considered a "total loss." Such a claim differs from other small claims since it requires more work. When an automobile is deemed a total loss by its insurance company, it is referred to as a totalled car.

Total loss can be caused by two means:

• Car getting stolen

• Car getting wrecked beyond repair in an accident

Furthermore, a constructive total loss occurs when the anticipated cost to repair or replace the insured vehicle exceeds its real market worth. Constructive total loss is so severe that it is cheaper and wiser to purchase a new car instead. This is mainly because there is little likelihood of returning the vehicle to its previous condition.

What to do if you suffer a total loss?

You have the option of selling the remaining pieces of your wrecked vehicle to a scrap dealer. Some components are recyclable, while others are not. The scrap trader will separate these pieces and recycle them for other purposes.

The next important step is to cancel your RC certificate at your closest RTO office. It is your responsibility to comply within a 14-day grace time to submit a notification to the RTO office. When you cancel your registration, you provide a guarantee that the same registration will not go to anyone else.

The next move would be to submit a Total Loss claim. When you submit a claim, the insurance provider is only obligated to pay the IDV. If you already have the ‘Return to Invoice add-on’ on your coverage, the motor insurance provider is obligated to pay the entire amount of the car invoice. This add-on allows you to acquire the total value of the vehicle rather than just the insured declared value.

For those who are newly purchasing car insurance, do not sleep on the Return to Invoice add-on. This is something that will ultimately work in your favour. Things are always uncertain when you're on the road, so be responsible and do not travel without car insurance. Take serious responsibility for protecting your possessions and make wise investments in security that will reap you good benefits at the hour of need. Watch out for your car insurance renewal dates and always renew them beforehand.

To get a car insurance renewal, 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.

Riding a two-wheeler with an attached sidecar is a rarity these days. However, this combination is a classic. Besides giving your two-wheeler a quirky look, attaching a sidecar increases efficiency and enhances the functionalities of your vehicle. But a two-wheeler with an attached sidecar comes with its own challenges.

Adding a sidecar makes your vehicle transition from a two-wheeler to a three-wheeler. So, it would be best to adapt to the dynamics and difficulties of riding a three-wheeler to prevent road accidents and ensure safety.

Let’s discuss the best tips to ride a two-wheeler with an attached sidecar to help you overcome the obstacles you might face:

1. Although it is challenging to drive in a straight path as the wheels are fitted in three odd planes, keep a firm grip on the handlebars and put the required effort to ride in a straight line. You will need to constantly pull the handlebars and manoeuvre them accordingly to avoid any collisions on the road.

2. A bike with an attached sidecar moves differently when turned. In case of a left turn, permit the wheel on the rear end to spin slower than the sidecar wheel as you release the throttle. This will help you control the vehicle better.
In case of a right turn, allow the wheel on the rear end to spin faster than the sidecar’s wheel as you open the throttle. All in all, modulating the throttle will help you achieve better control of your two-wheeler.

3. Your sidecar has brakes. To use the front brake, you need to use the right-hand lever on your bike. If the sidecar has brakes on the rear end, you can use the right foot lever. To stop your motorcycle, you need to apply both brakes. In case of an emergency, apply the front brake.

4. Many sidecars have the provision of a steering wheel and an option to switch to the two-wheel-drive model. But make sure that you only use the two-wheel-drive function in emergencies (for example, if your motorcycle is stuck on a loose or slippery surface). Engaging the two-wheel-drive on a firm surface causes both sidecar’s and bike’s wheels to spin at the same speed, thus creating a risk of disbalancing the vehicle while making a turn.

5. Practice makes you perfect. The same applies when you learn the dynamics of riding a two-wheeler with an attached sidecar. Practising regularly in a safe environment with and without a pillion rider will help you learn efficiently. Take things at your own pace, don’t rush, and see the positive outcomes.

Sidecars ensure convenience and even allow families to spend quality time together. Now that we’ve shared the best tips to ride a two-wheeler with an attached sidecar, it is a wise thought to think about how to keep your two-wheeler safe on the roads. Along with taking good care of your bike, purchasing a bike insurance is your solution to safeguard your bike from unprecedented damages.

Click HERE to know more about bike insurance.

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