GENERAL INSURANCE BLOG

Petrol engines do not create much power at low rpm; they must rotate quickly before delivering enough power to the wheel. The clutch is a device used to gradually and smoothly introduce power into the engine.

Motorcycle companies provide two types of clutches in their bikes- a wet-type and a dry-type. Today's blog will give you all the information on both types.

How does a clutch work?
Before we get into the types, let's understand how a typical clutch works. Consider two plates, one attached to the engine and the other to the gearbox. There is no contact between the engine and the gearbox. When they come into contact, the friction allows a transfer of power. When the force is increased, the amount of power transferred increases correspondingly.

Now that you know the functioning let's get into the types.

Dry Clutch:
A dry-type clutch is not immersed in liquid and engages by the principle of friction. The clutch plate is located outside of the engine housing. This implies it is in direct contact with the air and receives no lubrication. Since the plate gets heated due to friction, the dry-type clutch is usually bigger to increase the surface area of the clutch plate for effective cooling via air.

Essential things to know about a dry clutch:

• The torque transmission of Dry Clutch is better due to the absence of oil.

• Dry clutches are typically single-plated.

• The noise in a dry clutch is greater and lasts longer as wear and tear increases.

• Dust particles can gather in the clutch's casing.

• The life cycle of a dry clutch is typically shorter.

• A dry clutch has a high repair demand and expense.

Wet Clutch:
Wet clutches, as opposed to their dry counterpart, are coated with engine oil, allowing the clutch plates to cool. As a result, wet clutches withstand more significant damage. They are quieter at rest, making them ideal for stop-and-go traffic.
The presence of lubricant lowers the torque transmitting capacity due to a lower coefficient of friction between the clutch plates.

Essential things to know about a wet clutch:

• A wet clutch plate(s) is found within the engine housing.

• Wet clutches are employed in high torque circumstances where friction levels are high.

• Wet clutches have substantially less wear and tear.

• The oil filter in the wet clutch casing removes dust particles.

• The life cycle of a wet clutch is often longer.

• A wet clutch has very minimal maintenance needs and costs.

Here is all you need to know about clutches. Most bikers prefer a wet clutch since it is ideal for most on-the-road sports bikes.

However, if you want all the horsepower that you get from an engine, as in the case of an all-out racing bike, you should opt for dry clutches. While you decide on the clutch type, opt for bike insurance online to protect clutches from unforeseen wear and tear in the long run. Reliable bike insurance will cover the expenses required for the repair work of your bike.

Click HERE to 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.

From Christmas to New Year, winter is welcomed as the joyful season. Despite the temperature falling, this season spreads its charm throughout the world, and the reasons to celebrate don't end. Nonetheless, for all of the delight that the season brings, it also bears bitterly cold weather, as well as a burlap sack full of mist, wind, and snow. Pretty knitwear, beautiful sunsets, countless cups of hot chocolate, and crisp evenings indoors are all things to look forward to.

However, it is no pleasure to have the wind blowing through your house, leaving you with chattering teeth and ice-cold feet. Following is a list of the best ways to keep your house warm during these days of inevitable coldness.

1. Use thermostatic radiator valves:
These valves function by letting you schedule the heating to turn on at predetermined intervals, helping you save energy by only using it when required. In addition, the new smart thermostats let you operate remotely via your smartphone.

2. Make use of curtains:
Sunlight is free, hence take advantage of it. Open your curtains during the daytime for abundant free heat. Close your windows as it becomes darker to provide another insulating layer and preserve the heat in your rooms. You can also opt for heavy curtains to obstruct the cool breezes from getting in.

3. Make the most of your ceiling fan:
Consider placing a fan at the top of your stairway to drive warm air rising through the floors back down to you. If you reverse the flow direction of your fan, warm air will be blown back into the room. Set the fan speed to low for optimum efficiency.

4. Reorganize your furnishings:
Be tactical with your furniture arrangement and check whether the sofa or bed is blocking the radiator and preventing it from heating the entire room. Place frequently used furniture around any heat source to get enough warmth.

5. Use rugs to cover the flooring:
Having rugs and carpets in your home will naturally help in improving insulation. In addition, it is stylish to layer rugs, so you won't have to go for a single enormous pattern to cover a wider area, and your house will seem instantly warmer.

6. Replace your boiler:
If your current boiler is more than a decade old, it's probably time to upgrade to a newer, more efficient type. An old, outdated boiler may consume more power, increasing your electricity bill significantly. However, a brand new one is less likely to have any problems and will consume less energy to generate the same amount of heat.

Winters are challenging, especially if you live in the frigid regions of our country. These are some ideas to keep your home warm and safe during the cold season. However, apart from these tips, insurance is crucial to protect your home throughout the year and add value to it. Purchase the best house insurance India plans that meet your requirements and look for the best deals available to get maximum return on your investment.

To browse through our house insurance India plans, 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.

Dietary supplements can be an easy option to provide your body with enough nutrients. Supplements fulfil your nutritional requirements, but they come along with their pros and cons. For example, many supplements have active ingredients that can adversely affect the body.

Here is a post that guides you about the different food supplements. To understand the merits and demerits, we will categorize the commonly used supplements in the market.

1. Dietary protein food supplements:
Protein is a macronutrient and the fundamental building block required to build muscles, maintain tissue, and boost the immune system. According to scientific research, every human need 0.8 to 2.2 grams of protein per body weight in kilograms.

Merits:

• You can carry these supplements anywhere. They are readily available in shakes, bars, cereals to provide on-the-go energy.

• Moreover, protein food supplements consist of certain micronutrients not often found in our daily food like EAA's, creatine, glutamine, etc.

• These supplements can help you reach your protein goal faster.

Demerits

• The downside of these supplements is that many people depend on them rather than whole food to fulfil their daily body's protein needs.

• Secondly, these supplements are promoted majorly for fitness industries, hence are expensive.

2. Vitamins and minerals food supplements:
Vitamins and minerals are crucial for our body's functioning. According to the body structure, every person has different needs for vitamins and minerals.

Merits:

• These supplements can be helpful if you have difficulties having wholesome food or consuming a calorie deficit diet.

• Suppose that you don't like eating food that is rich in nutrients. In this case, vitamins and mineral food supplements can work best for you.

Demerits:

• Consuming specific vitamins and minerals for a prolonged period can accumulate them in the body and later result in severe toxicity symptoms such as kidney stones and heart rhythm issues.

• Excess amounts of minerals like zinc, magnesium, iron can also have adverse effects on your health.

3. Calorie food supplements:
Calorie food supplements come in handy when suffering from a health condition. They will help you fulfil the daily calorie intake that you cannot take from the whole food.

Merits:

• These supplements are beneficial for individuals dealing with busy schedules, eating disorders, or suffering from any diseases. Here, calorie food supplements play a significant role when the nutritional intake changes.

• Fitness enthusiasts, children, picky eaters are highly benefited from calorie food supplements. Certain supplements like mass gainers provide you approximately 500-600 calories per 45 gm serving. This calorie intake is very accessible if you cannot reach your calorie goal.

Demerits:

• Having this form of food additive may add additional calories to your diet, culminating in the buildup of belly fat.

You might have understood the overview of food supplements. But, as we know, that excess of anything is harmful. Even excessive use of these supplements is not good. Before you start consuming any food supplements, it is always suggested to consult your doctor or physician to get the best possible advice.

Along with this information, it is crucial to safeguard your health against the possibility of any issues. Magma HDI's online health insurance plan is designed to meet your and your family's requirements by providing complete coverage against health-related concerns.

Click HERE to know more about the different types of online health insurance coverage.

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 famous saying amongst bikers goes, "A bad day on a bike always beats a good day in the office." Whoever said that was surely familiar with the thrill and adventure of biking through treacherous roads and the satisfaction of conquering them. For bike lovers, nothing beats the anticipation and excitement of exploring new and challenging terrains.

In this article, we will take a look at some of the most popular biking routes in India.

1. Chandigarh-Manali-Leh:
This route is known as one of the most challenging biking routes in the world. The Chandigarh-Manali-Leh route is filled with picturesque views and difficult terrains. The road to Leh makes riders work hard for every kilometre. Extreme altitude and motion sickness will test your endurance and willpower. But the gift of the clear blue skies and the magnificent roads ahead make the struggle totally worth it.

2. Shimla-Spiti Valley:
This beautiful stretch of 430 kms is a mix of rugged tracks and broken roads, making it extremely difficult to travel. The roads are comparatively narrow, making the commute all the more challenging. It is extremely difficult for bikers to manoeuvre uneven terrains filled with rocks and gravel. However, the beautiful apple orchards, impeccable valley views, and peaceful monasteries are just a few of the many rewards you will find on the way.

3. Siliguri-Yuksom:
A relatively smaller commute, this unconventional route is often discussed among travellers for its under-maintained roads and uneven terrains. Adding to that are the many waterfalls that make it all the more difficult for bikers to navigate. What makes this journey remarkable is the unparalleled beauty of the landscape. The view of the mighty Himalayas is sure to give you the much-needed motivation while traversing through these roads.

4. Bomdila to Tawang:
Riding through the lush green hills, flowing rivers, and snow-capped mountains make it difficult to focus on the road. What makes it challenging is the extreme inclination of the hill. And the constant fog leaves the roads moist and can be dangerous to the riders. The upward climb is about 170 kms long and scales an altitude of about 4000 metres above sea level.

5. Guwahati-Khasi Hills:
The road between Guwahati and Khasi promises stunning views of lush green forests and red sand. On the way, you will come across beautiful waterfalls and living root bridges that are sure to be a memory you will cherish. The damp weather makes the road slippery and wet, and manoeuvring the sharp turns is crucial to steer safely through the hills.

These are some of the routes that promise a challenging bike trip with an excellent reward. Before setting out on your next trip to these places, don't forget to get your bike serviced. Riding through challenging roads can put extra load on your vehicle and cause extreme wear and tear. A thorough bike check-up before and after the trip can prove beneficial in the long run. Another tip to follow is to keep a checklist of all things needed for the journey, such as fuel, food, first aid, emergency lights etc.

To ensure the protection of your vehicle, invest in 2 wheeler insurance. Always remember that a 2 wheeler insurance is a safety net for all the expenses you will incur for the aftercare of your bike.

Click HERE to know more about 2 wheeler insurance.

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