GENERAL INSURANCE BLOG

You have saved money for a long time to be able to finally buy your dream car and bring it home. It is a special feeling to give whatever it takes to turn your dream into a reality. However, you should know the various aspects of car buying in India. Before you consider buying a car, you need to understand the difference between the ex-showroom price and the on-road price.

If you don't know what these two terms mean, this article will help you. You will be familiarised with everything that can determine your car's price and help you consider all these parameters before you invest money in a car.

*pro-tip
You should always buy new car insurance for your car to keep it secure and take care of the expenses against any unforeseen accidents.

What is the Ex-showroom price?

The ex-showroom price is a price tag posted on various vehicles like cars or bikes in the showroom. It does not include road taxes, RTO registration, insurance, etc.

To understand the price at the ex-showroom, you need to know that:

● The ex-showroom price is the price you see being advertised on television, the internet, and on the car manufacturer’s website and brochures.

● You need to pay the additional amount for road tax, the registration fee for RTO, and insurance before you own a car. If you do not, you can be charged with a variety of penalties or challans in India.

● The price displayed as the ex-showroom price includes GST, ex-factory cost, and profit margins.

What is the On-road price?

The on-road price of a vehicle refers to the total price you pay to start driving the vehicle on the road. Simply buying the vehicle from the showroom is not enough. You must pay for several other things if you legally want to drive your car in India.
Some important things to consider under the on-road price are:

● It includes a variety of prices like ex-showroom price, registration fee, road tax, and insurance policy, among others.

● If you need any new accessories, they will also be added to your final bill with applicable taxes.

Difference between On-Road and Ex-Showroom price:

1. The ex-showroom price is the price tag excluding other factors like tax, insurance, and registration fee. The on-road price uses all the additional charges: life insurance policy, road tax, registration fee of RTO, and so on.

2. The ex-showroom price does not justify the final price of your car. You need to pay a lot of additional costs. On the other hand, the on-road price is the final price of a vehicle. You need not pay additional costs.

This gives you enough insight into how the car is priced at the showrooms. The price you see on the internet is clickbait to lure you into buying the car. You should be fully aware of the on-road price of a car before you buy it. This will help you analyse your budget better and prevent you from going overboard with your decision. You should also buy new car insurance that gives the best insurance coverage against any mishaps.

Click HERE to buy new car insurance to safeguard your valuable asset.

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.

Owning an automobile is one of the most rewarding things in life. Going on long road trips, midnight drives, or simply commuting between your office and home, having your own vehicle is sure to make you happy. But like everything, this also comes with its set of challenges. Zeroing down on the best car insurance company in India, and choosing the right auto repair service are just a few of the many things that need your attention.

Selecting an auto repair shop is not only about the care that your car gets but also about the rates, reviews, customer service, and overall experience. It is a good idea to look for options even before your automobile faces any issue so that you already know where to go. Let's look at a few ways to select a reliable auto repair shop.

1. Experience:
Your car's relationship is with the mechanic, not the company. Look at customer reviews online and get to know the mechanic who will be working on your vehicle. Having an experienced mechanic allows you to have peace of mind.

2. Company-specific service provider:
Repair shops that specialise in specific companies have more hands-on training with upgraded instruments and tools. So, it is best to go to a service provider who deals with the same company as you.

3. Online reviews:
Online reviews are a great way to understand the history of the company. More often than not, people tend to leave reviews of bad experiences they have had with the company. Keep in mind that not all companies have a 5-star rating. So going by the reviews and personal entries, you can make an informed decision about what kind of service you require.

4. Estimate pricing:
Solely depending on your car servicing agent might not be a good idea. Asking around in various service centres and mechanic shops, online rates, etc., can be an excellent way to estimate the money you might have to shell out during or after the process.

5. Warranties:
Ask your mechanic about warranties on different parts. This time frame varies from place to place. Having a good warranty period is crucial to ensure better car performance. A warranty ensures that you get a replacement free of cost.

6. Off-site services:
Sometimes, your car can break down during your journey. Under these circumstances, having your service provider's support will make it easier to avoid further damage. Before signing up for the services, talk to the staff and understand if they are willing to service your vehicle outside of the service centre. Having this added benefit goes a long way and ensures the credibility of your repair shop.

You need to keep these points in mind while choosing your repair shop. Having the right mechanic work on your car is a boon for you and your vehicle. Poor servicing can lead to poor performance and be costly in the longer run. To save yourself from the extra expenditure, it is an excellent option to first look for the best car insurance company in India. Car insurance can offer a bundle of exclusive benefits useful during unexpected mishaps.

Click HERE to know more about the best car insurance company 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.

A car has become more of a need than a luxury in recent times. It makes commuting and travelling highly convenient. People invest their time, effort and capital while purchasing a car to ensure it is to their liking while meeting their requirements. Many factors influence their purchase, like the model, budget, convenience, features, etc.

Taking care of your vehicle is crucial. You need to ensure that your car is regularly maintained, cleaned and goes for servicing periodically, as instructed. Always use authentic auto spare parts and follow all the service standards recommended by the manufacturer.

There are also chances that many exterior parts might get damaged due to extensive use of the vehicle. The wheels face maximum wear and tear due to constant friction. Practice these care tips to keep your car’s tyres and rims in good condition.

1. Pressure:
It is essential to check the air pressure of your car’s tyres, preferably before you start driving. Suppose the pressure is below the recommended limit, then there is a considerable danger of a blowout that might disbalance your car. This condition can wreak havoc on your driving and risk your safety. In addition to this, low pressure also reduces your vehicle’s efficiency, mileage and affects the life of the tyres.

2. Inspection:
You need to deeply examine your vehicle’s tyres for unusual wear and tears, cuts, punctures or other damages. Get the car checked by an expert for repair or replacement if needed. In case of a puncture, replace the tyre with a spare until you get to a service centre and have it inspected by a mechanic thoroughly. Call a professional if you’re stuck with a damaged tyre in the middle of a long-distance road trip.

3. Rotation:
Maintain a rotational routine of your car tyres to ensure an even balance of tread wear. Ensure proper examination of the tyres by a professional during the rotation procedure. They can help you determine early or late wearing down and find the reason to save you from any further risks.

4. Curbs:
Bumping into or driving close to the curbs can damage or bend the rims. Try practising parallel parking with cones or other items that will not scrape off your rims if you bump into them.

5. Properly clean up:
Use standard quality products and cloth materials to clean the rims of the wheels. You can risk corrosion of the metallic coats and cause damage to the alloys if you use acid-based cleaners. Use a gentle soap and water mixture and rub firmly to make the rims shine.

6. Alignment:
Misaligned wheels can lead them to wear out unevenly. This ultimately causes loss of control, reduces their strength, and amplifies fuel consumption, reducing efficiency. Get your alignment adjusted whenever you get your car inspected by a mechanic.

Other tips to keep tyres and rims in good condition include maintaining good driving practices, avoiding overloading your car, inspecting the tread depth, ensuring that the spare tyre is in perfect state, accurate wheel balance, etc.

We covered one crucial aspect about taking proper care of your car. But to avoid any severe damages and monetary stress due to unprecedented circumstances, it is wise to get your vehicle insured. Purchase car insurance that caters to your needs and safeguards your vehicle from damages and financial loss.

Click HERE to know more about 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.

While YOLO (You Only Live Once) can be the mantra for many of us to enjoy and create beautiful memories, it is also important to remember that accidents come without warning. The slightest of injuries can make your life uncomfortable to an unimaginable extent. You can never be too cautious, and it does not harm to be careful and vigilant about the body against the potential dangers in the surroundings.

This blog is a complete guide on hamstring injuries and the best ways to get relief. If you are someone who has no information about hamstring injuries, their diagnosis, recommended treatments, symptoms, and causes, do not worry. Here we answer all your questions about hamstring injuries right from the meaning. So, without any further delay, let’s get started!

1. What is a hamstring injury:
Often, you might have noticed athletes and people who are into fitness and go to the gym regularly get their muscles pulled. A strain or a tear in the muscles or tendons in the backward portion of your thigh is described as a hamstring injury.
Athletes, gymnasts, and sportspeople who practice long jumps, high jumps, climbing, etc., are usually at risk of these hamstring injuries, which can make movement and daily chores and practice very difficult for them. In some cases, the severity of the damage and the induced pain can lead to getting disqualified from the competition or complete bed rest.

2. Let’s learn a little more about hamstring:
The hamstring joins the bone and the largest thigh muscle in your body and helps the leg bend and stretch easily. When you jump, climb a rope, jump, stretch, run or sprint, your hamstrings are used extensively.
The level of the injury is described by the extent of damage caused to the hamstring. A grade one injury involves a slight muscle pull, whereas a grade two injury indicates a partial muscle tear. The most severe grade three injury occurs when there is a complete muscle tear.

Note: if someone has suffered a hamstring injury, it makes them prone to it in the future if they do not take proper care.

3. How is the hamstring damaged:
The causes include overstretching, lack of rest combined with fatigue after a heavy workout session, a direct hit on your thigh, insufficient warm-up before athletic and sports activities or workouts, lack of a pre-conditioning program, and a history of hamstring injuries.

4. What are the symptoms:
You need to be aware of the symptoms of different grades of hamstring injuries (as discussed in the second point). If you have a grade one injury, you will experience sudden increasing pain in the backward portion of your thigh, leading to difficulty in movement. In this stage, your leg strength will remain unaffected.
If you have a grade two injury, you will experience some inflammation, redness, swelling, soreness, bruise patches, and a decrease in the strength of your leg. A grade three injury will worsen the pain, inflammation, swelling, bruise marks, and tenderness. A popping sensation occurs when you initially injure the hamstring.

5. Best ways to get relief:
The RICE method: rest, ice, compression, and elevation are essential to help you manage the injury and get relief from the pain and the soreness in your hamstring. Avoid excessive movement till the soreness goes away and the swelling goes down. Ice the area at fifteen-minute intervals for the next day or two.
A thigh sleeve (elastic, preferably) or a compression wrap is a wise choice to help support the area during the slightest movement. Subtle exercises like lifting your leg to a comfortable level while sitting on a chair or the edge of the bed help during the icing intervals. Crutches are advised if the movement is unbearably painful.

You must be careful and take the required measures to be watchful about your body. It is also wise to get personal accident insurance to avoid monetary stress in times of difficulty. You can explore all your options and purchase the best personal accident insurance online which suits your requirements.

Click HERE to learn more about buying personal accident 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.