GENERAL INSURANCE BLOG

Overthinking is a thief of your energy. It takes away your peace and composure of mind. It is an art of creating problems that don’t even exist. Unfortunately, some individuals can’t seem to stop their minds from wandering with many thoughts. It’s like running a marathon each day mentally.

You invest your time, attention, and energy in thinking about situations and issues that are irrelevant, hypothetical, or baseless. Breaking this toxic habit will help you with extra mental energy to get the express ticket to happiness. Follow our brief guide about reducing and eventually stop worrying and overthinking.

1. Don't be mind-full; instead, be mindful:
Whenever you catch yourself overthinking, take a moment to reflect on your thoughts. Breathe and acknowledge the present moment. Then, challenge your thoughts and try to be aware of what's happening around you as much as possible.

2. Focus on solving problems and not amplifying them:
Overthinking about a problem will only lead to more problems. When you're actively investing your mind into problem-solving, you're using your best asset (the brain) positively.

3. Change your perspectives on things:
Stanley Gordon West once said, "Smile, and the world smiles with you". Changing your point of view can provide you with a completely different way of thinking and feeling about yourself. Moreover, changing your point of view might lead to a whole new universe of possibilities and ideas.

4. Diet plays a vital role than you think:
As Ayurveda rightly says that Medicine is not needed if the diet is correct; healthy food improves brain function, regulates blood circulation, reduces blood pressure, and eliminates toxins from the body. These aspects can directly impact your pattern of thinking and help positive outputs throughout the day.

5. Stop being a perfectionist. Even the almighty isn't:
It is a double-edged sword. Sometimes being a perfectionist is like being your enemy. Rather than assisting you in achieving success, it works against you. So next time you're worrying and overthinking about making a presentation perfect, consult your colleague. It can turn out that your existing one is already good.

6. Take out time to reflect at regular intervals:
Whether daily, weekly, or once a month, take out some time for reflective thinking. This task will assist you in examining your assumptions and making connections between different bits of information systematically.

7. Techniques to cope:
Try these techniques mentioned below to bring your attention back to the present whenever you feel overwhelmed.

You can follow these tips anytime and anywhere:

• Meditation: The best escape to calmness is meditation. Getting answers to unsolved questions becomes easy when your mind is free from junk thoughts. So invest 10 to 15 mins of your day into a peaceful meditation session and see the magic start happening.

• 5-4-3-2-1 Rule:
- Look for 5 things around you.
- Feel any 4 things you can touch.
- Recognize 3 things you can hear.
- Acknowledge 2 things you can smell.
- Become aware of 1 particular taste in your mouth.

Overthinking is not an illness, but research reveals that it can pose severe consequences to your health if continued for a long time. It can hinder your social, personal and professional life due to mental discomfort. To overcome this, you will need to shift your perspective and make a concerted effort to dismiss any thoughts that lead you towards wrong assumptions. Along with all the above practices, get yourself health insurance covering all your needs for perfect well-being. It's also one less task to think about!

Click HERE to know more about health insurance to keep you financially fit.

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.

Do you want to have your car looking new and flawless for an extended period? Regular servicing and proper maintenance can help your vehicle survive as long as feasible. Maintaining your vehicle will also yield profit in sales and savings if you want to trade or resell it at some point.

Depreciation is an essential component in evaluating your car's commercial value when you start planning to sell it. But there are some things you can conduct to safeguard your vehicle's market value and reduce depreciation to a minimum.

Continue reading this article to uncover the best tips to retain your car's value.

1. Organize the papers:
Prospective buyers will want to know the vehicle's ownership history and if it has been maintained properly. Therefore, keep all your car documents in order inside a file to prevent unpleasant queries regarding its most recent service or filter change. Your car will be worth more since you can show proof of service, MOTs, and oil changes.

2. Keep the interior dazzling:
Interior maintenance is just as vital as exterior upkeep, so try to include it in your routine cleaning. The car's interiors undergo a lot of wear and tear, scratches, cuts, spills, and foul odours over time. As a result, it may significantly influence the value of your vehicle.

3. Do not forget to clean, polish and wax semi-regularly:
Maintaining the paintwork on your vehicle will boost its value. Only a few owners can confidently state that they keep up with car washing and waxing. When paintwork is not adequately maintained and managed, it will degrade and deteriorate with time. Faded exterior colour contributes the most to your car looking worn out, eventually decreasing its market price.

4. Repair minor issues immediately:
Neglecting minor technical faults may not seem like a massive deal to you, but it leaves a poor impression on potential buyers. Remember that the cost of repairing minor defects is frequently less than the influence that mechanical flaws will have on the car's value.

5. Fix slight dents and scuffs right away:
You may believe that bumps and scrapes on the outside aren't worth fixing, especially if your vehicle is outdated. But, impairments like these can cause a significant decline in the overall value. They may also invite rust and corrosion, which garages and astute purchasers can detect, resulting in lesser prices.

6. Maintain the sheen of your wheels:
Wheels are subjected to daily damage and can get coated in a layer of dangerous road deposits and brake dust. So when the wheels appear well-cared for, it not only makes the car seem remarkable, but it also says a lot about how it's been driven.

7. Ensure the car's insurance:
Get your car insured from day one for financial security. There are numerous private car insurance India policies that you can choose from. Having an insurance cover for your vehicle flourishes its market value by thousands.

A car is one of the most financially significant purchases individuals make throughout their lives. Unfortunately, value of the car begins to depreciate immediately after driving them off the showroom. However, this does not suggest that your car will completely lose its value. Even an old, well-used automobile has some monetary worth and may be sold or traded in for cash. The ultimate goal is to get as much of the vehicle's worth as possible while owning it, and by following these tips, you can attain this easily.

To browse private car insurance India policies, 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.

If you are a college student, the chances are that you have tried to convince your parents to buy you a two-wheeler. A vehicle becomes a necessity given the number of places you have to travel to, coaching classes, purchasing project materials, helping your mother get daily groceries, etc. A two-wheeler would be a wise investment to help save commuting expenses.

As a college student, you start understanding the importance of financial independence. You may lack enough funds to purchase it by making a one-time payment in full. However, Many NBFCs have made it relatively affordable for the students to choose a loan scheme with a structure that suits their needs. Some lending institutions also offer competitive interest rates on these two-wheeler loans.

Are you looking to purchase a vehicle for your day-to-day college activities? Here’s all you should know about the loan process if you’re buying a two-wheeler as a college student.

Key features of bike Loans:

1. Document verification takes approximately three days.

2. On average, the loan period will extend up to 3 years for applicants (students).

3. The loan doesn’t mention any restrictions on the type of two-wheeler the student wants to purchase. It can be either a superbike, moped or anything in between.

4. Most two-wheeler loans for students are considered a type of unsecured credit. So, there is no requirement for collateral or security.

5. If you’re applying for this loan, you must mention a co-applicant or guarantor with employment stability and healthy credits to avail of this loan with convenience.

Eligibility (For students):

1. You should be a student to apply for this loan.

2. The loan applicant’s minimum age requirement is 18 years.

3. Student’s permanent residence is required at the time of application.

Eligibility (For Guarantors):

1. The co-borrowers should have credits > 700 or above (ideally). This favors the applicant to secure a low-interest rate for the two-wheeler loan.

2. Appropriate documents should be presented from the guarantor’s end to showcase financial and income stability.

Required documents (applicant):

1. KYC documents (AADHAR, Passport, Voter ID, Driver’s license, etc.)

2. Address proof (Passport, Bank Passbook, Utility Bills, etc.)

The following documents are to be presented if the guarantor is self-employed:

1. ITR-Income Tax Returns of the past two years

2. Bank statements of the past year

3. Business proof

The following documents are to be presented if the guarantor is salaried:

1. Pay slips of the last six months

2. Bank statements of the last six months

Application process:

To apply for a two-wheeler loan, here are three simple steps you need to follow. But before going ahead with the loan process, make sure that you’ve finalised your vehicle, its model, and a dealer.

1. The lender you’ve chosen will check your eligibility for the loan at the dealership.

2. Once your eligibility for the loan is verified, you need to fill up an application form and submit it along with the necessary documents required by the lender.

3. Once all the documents are verified, and your loan is approved, the required amount will be sanctioned and transferred into your dealer’s account. You can get your vehicle now!

This was the complete guide to the loan process to buy a two-wheeler as a college student. Another wise idea is to get insurance to ensure the safety of your vehicle in case of extreme unexpected circumstances. You can purchase 2 wheeler insurance online with the convenience and hassle-free process associated even while settling a claim.

Click HERE to know more about how you can get 2 wheeler insurance online.

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

According to the World Health Organization, around 57 million Indians suffer from some sort of depression. Depression takes a considerable toll on your health. It can make you feel physically weak and mentally drained, challenging your desire to seek treatment and get rid of it.

We've curated a list of ten beneficial tips to manage depression without the need for medicines and improve the quality of your life.

1. Follow a routine:
When circumstances become unpredictable, a routine can help you feel organized, minimize stress, and cope with change. When you stick to a schedule, you prioritize self-care activities which you often overlook when life gets complicated.

2. Value yourself:
Take out time for your interests or extend your skillset. Cook your favourite dish, go dancing with your earphones on, learn a new language. Do what pleases your mind and soul, and treat yourself with compassion and respect.

3. Consume healthy food:
Diet can affect your mental state in ways that you can't imagine. Make sure you consume a well-balanced diet that's low in saturated fat and rich in nutrients. A nutritionist or dietitian can assist you in analyzing your eating habits and identifying any dietary deficiencies that may be contributing to your mental health.

4. Exercise:
Exercise stimulates those chemicals in your brain which are in short supply due to the depressive phase. Studies show workouts help you boost your endorphins and truly make you happier.

5. Meditate:
Mindfulness can help you change how you react to negative sensations. Meditation teaches the brain to maintain continuous attention and focus when unpleasant thoughts, emotions, or physical sensations enter.

6. Change drinking habits:
Alcohol is a depressant, so that's already a big NO while combating depression. Coffee has proven to have adverse effects when combined with sugar. Try to lower down your consumption of coffee as a whole, and if you decide to have it, have it unsweetened. Strongly linked with depression are sweetened drinks, so it's a better option to distance yourself from them.

7. Socialize with people with a positive mindset:
Interact with people who lift your spirits. While it's OK to spend some time alone, strike a balance and avoid isolating yourself; otherwise, the sadness will persist.

8. Music therapy:
Music improves the mood and general well-being of a person. Music therapy involves playing music using various instruments, singing, dancing to music, or simply listening to it.

9. Get inspired by motivational content:
It can change negative thoughts and make a depressed person feel better. Depression-fighting literature, quotes, movies, and posters differ from person to person. Go online and read reviews to get a sense of what could work best for you. You can listen to podcasts or watch videos of motivational speakers.

10. Volunteer:
Volunteer for acts of kindness, donate for a good cause or commit a random act of kindness. Presenting or performing acts of charity can have comparable mood-lifting and well-being benefits.

Sadness is a complex emotion to deal with; these ways are only supposed to act as your support in the tough times. If you have chronic depression symptoms, always seek professional help. Understand that depression is just a bad phase in life that will eventually go away if you stay positive and strong.

By taking too much stress, you will affect today's strengths by worrying about future. One way you can avoid the additional worries of tomorrow and make your future secure is health insurance. Health problems due to depression involve medical expenses that may drain your pockets. So, consider buying health insurance to cover the losses. To simplify this, online Health Insurance provides you with a suitable plan to protect you from any impact on your financial plan.

Click HERE to know about the best health insurance plan for you.

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.