GENERAL INSURANCE BLOG

Do you like motorbike road trips but always struggle with what to pack and how to pack? Then, you've come to the right place. Allow us to provide you with some of the most practical suggestions for reducing clutter and enjoying your trip rather than constantly worrying about your bags.

Compulsive overpacking might be an issue when travelling alone and having little luggage space on a motorcycle. Unfortunately, when it comes to preparing for a motorbike journey, many riders make several basic mistakes. They tend to overload their bikes with luggage that later affects them in their journey. We've compiled a list of a few practical tips to manage your luggage correctly.

1. Motorcycle travel packs are a good investment:
Bundling your luggage and tying it down with bungee cords may be cost-effective, but it leaves your luggage fully exposed to external conditions. If the weather suddenly turns bad, everything will become moist and wet. You can mount the motorcycle luggage boxes on the side of the motorcycle, but what about transporting heavy items? Heavy items are challenging to handle alone; in this case, you may consider purchasing a motorcycle top box. These are ideal for transporting bulky items like motorbike riding boots and photographic gear.

2. Make a list of your requirements:
The most crucial step in decreasing suitcase clutter is to prioritize your travel needs and prepare accordingly. Recognize that a road trip aims to discover and enjoy the destination rather than be oblivious to day-to-day conveniences.

3. Don't pack everything:
Don't bring everything you need because most of the items you'd need are already available at the local places. Rather than stuffing your baggage with unwanted items, buy some on the way. Disposable batteries, paper napkins, and paper plates for eating are just a few examples that come to mind. Unless you are picky about your food, make purchases to eat and drink on the road to save room.

4. Carry multipurpose stuff:
Rather than bringing specialist stuff, seek objects that may be used in various settings when packing your baggage. Carrying multipurpose products without taking up a lot of room is an excellent strategy to eliminate clutter. For example, you can keep a phone case with a pocket, which you can use to keep some essential documents or cash.

5. Organize at every step of the route:
Most people arrange their belongings at the onset of their journey, but things start to go crazy as the trip goes! Keep things organized at all times. Instead of dumping everything in the bag, properly roll and tuck it. Keep dirty clothes apart from clean clothes and separate large items from small items, especially those susceptible to damage due to excessive dampness or heat.

These tips are proven of great help when it comes to packing for your solo trip. However, packing and riding lessons are not enough to keep you secure. Hence, we also recommend having updated bike insurance for your bike while it is on the road. Compare with hundreds of bike insurance online and get the best suited as per your requirements. Safety while travelling is something you shouldn't skip.

Looking for bike insurance online, 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.

Everyone wants the shiny look of their cars. But what about the smelly interiors? Stinky car interiors can negatively affect your mood and make you feel awful. So, to get rid of foul odours, in this post, we have mentioned some quick tips to help you have a refreshed car and a happy mood while commuting.

1. Vacuum the fabrics:
Most of the time, solid particles tend to get trapped in the car's interior and removing them can be a daunting task. These particles get deep into the fabric. Even after cleaning your car, you still wonder where the smell is coming from.
To get rid of the foul smell, use a vacuum cleaner to clean all the seats and the fabric of your car. This will suck all the gunk and dust particles from your vehicle, leaving your car clean and fresh.

2. Avoid smoking in the car:
If you smoke in your car, you might know how unpleasant the smell is. Smoking leaves behind tar which can stick to the interiors. The smoke can even get in the vent ducts of your air conditioner and become nearly impossible to remove.
To get rid of this, you can wipe off your car with a solution of water and vinegar in a 1:1 ratio with a few drops of liquid detergent added to it. This will remove all of the gunky substance and leave the surface of your car clean. In addition, you can spray some air freshener in the air ducts of your air conditioner to combat the odour.

3. Use baking soda for unpleasant food spills:
Sometimes, you tend to drop something on the carpet or your car's fabric, and the spills being left for a long time start to stink. Even after wiping it, the pungent smell may remain.
To remove the smell of the leftover spill, you should mix a tablespoon of baking soda and three tablespoons of vinegar and use this mixture to rub the mat or car fabric. This mixture will clean your fabric and remove all the unpleasant smells coming from it.

4. Use car deodorants and air cleaners:
This is one of the simplest and quickest ways to keep your car smelling fresh. All you need to do is pick your favourite car perfume and spray it in your vehicle. The air spray molecules will trap the pungent smell and give your car a fresh aroma. There are other similar products that you can explore, like odour patches, air- filters, etc.

5. Get your car a spa:
This will be your last resort if any of the ways mentioned above are not working for you or if the smell is very foul. Next, you should take your vehicle to a professional car cleaning service. The cleaners will clean your car from inside to the outside by washing your seats, mats, air ducts, food trays, etc., making your vehicle look and feel brand new.

We all know how bothersome stinky cars can be. You can follow the tips mentioned above to get rid of the bad odour in your vehicle. But it is not always the dirt that causes the smell. Sometimes these smells can be from leakages. If not addressed correctly, these issues can cause severe damage. So, we would suggest you have car insurance by your side to cover all repairing costs at the garage. Reliable car insurance will keep the stress off your pockets and give your possession the benefits to have a long life.

Click HERE to buy the best car insurance plan.

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.

Action cameras have become a new trend among bikers. You must have seen the riders with one fastened to their helmets or handlebars. One reason being, India is adapting well to the vlogging, thanks to all the biker communities and influencers. With the evolution of action cameras, millennials are interested in capturing their bike rides and sharing the content on social networking websites.

There are some easy steps for you to produce the best-looking shots from an action camera, regardless of riding ability. Read these nine best tips to film better videos through your action camera.

• Choose a suitable device; you may not require an expensive camera and instead need something easier to transport and manage and friendly with all weather conditions.

• Plan out your videos; consider the video's objective, surroundings, the route you'll take, and how you'll film it. Take into account the lighting, the weather, and even the background music.

• The mainstream camera technology can record at 24 FPS (frames per second) for regular speed and at least 60 FPS for slow motion. However, extra-slow motion does not kick in until at least 120 frames per second, and filming at greater frames per second may lower the resolution.

• Set the white balance to auto, although you may set it to specific numbers corresponding to different lighting circumstances (for example, 5500K = daytime). We find that letting the camera make such adjustments for you is always the best option for shooting true colours on a motorcycle.

• With the voice command feature, you can start recording at any time throughout the ride and stop whenever you choose. Even better, you can snap 'Still Photos' while moving.

• 4K recording requires more memory, drains the battery faster, and can be difficult to edit or playback on a computer.

• An SD card in your action camera is always not sufficient. You should keep at least two or more if you're going on a long journey or simply want to capture more films.

• The typical rule of shutter speed is that it should be twice as fast as the frame rate. A shutter speed of 1/60-1/96, on the other hand, is more helpful because it avoids the sickening amount of 'Motion Blur' that might occur when riding a bike.

• To avoid water drops damaging your footage, use a water-repellent glass treatment spray like Rain-X.

Motorcycling has forever changed as a result of action cams. With the rising trend of sharing content on social media platforms, people use action cameras for incredible filming. However, driving bikes on roads brings the great responsibility of getting the proper protection for you and your bike. You can replace your cameras but not your life, so invest in good 2 wheeler insurance.

These tips for getting better footage are only a starting point; if you have something else that works for you, go for it. Beyond any camera setting, position, or attachment, the most important thing to remember is that the one who presses the record button is the real star.

To get the best 2 wheeler 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.

Often people think they need to invest years in mastering the art of carpentry. However, that's not entirely true. With the right mindset and tips, you will learn carpentry in no time! This specialized craft, believed to be one of the world's oldest professions, is commonly employed even today.

Here we have composed a detailed guide for you that will help you in your lessons while you are learning carpentry.

1. Learn about different types of carpentry:
When it comes to carpentry, the only thing that comes to an individual's mind is furniture. But that's not the real deal. There are different types of carpentry, and you can study each one and then pick the one suited for you.

• Formwork: Formwork in carpentry is designed to construct the structure of the object. It comprises the mould in which the concrete is poured while making stairs, walls, pillars, etc. Formwork, made with wood and steel, can be temporary or permanent.

• Framers: Framers work upon repairing and restructuring wood or wood-derived products. The task that you are to do as a framer is to measure, cut, and assemble the wood for industrial or household purposes.

• Cabinet designers:
This form of carpentry requires proficiency with woods and mastery of tools. The job of a cabinet maker is to build, repair and modify wooden structures and furniture.

• Joiners: Joiners, also popularly known as 'finish carpenters,' are more inclined towards wooden ornaments, fine woodworks, and fitting of doors and windows.

2. Take safety precautions:
While working with tools and woodwork, you must learn safety measures like first aid training and have all the safety accessories like gloves, glasses, helmets etc.

3. Measure like a pro:
Measurement is one of the essential skills you need to learn while practising carpentry. You will be cutting several wooden blocks and pieces most of the time. Therefore, double-check your measurement before doing anything.

4. Learn to use carpentry tools:
Tools make a carpenter's work easier, but only if they know how to use them. Carpenters use various tools like handsaws, chisels, mallets, etc. Therefore, it would be best to learn to use them rightly and understand which woodworking activity necessitates what type of equipment.

5. Get trained:
There are plenty of paths to carpentry, and some of these do not even require any qualifications, only skills.

6. Get working experience:
Working on-site on a live project can be one of the best ways to get into the carpentry industry. You can gain plenty of knowledge and skills while you are at work. Apart from that, you can even get into different roles like general construction operations and work with professional carpenters.

7. Take up courses:
There is an abundance of specialized courses you can sign up for learning carpentry. These courses typically provide you with hands-on and theoretical training to make you a better carpenter.

Carpentry is an excellent skill to learn and practice, and you can excel at it if you choose to continue with passion. Although being a skill, it still poses a threat while working. You may get hurt while using a tool or working with heavy objects. So, it is suggested to have the best personal accident policy in India to safeguard your wellbeing and put less stress on your pockets.

Click HERE to find the best personal accident policy 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.

Inhabited by some of the most highly religious communities and cultures, India is the world's largest multi-ethnic and religiously diverse republic. The air in the land carries the essence of Dharma and Karma to welcome your spiritually thirsty souls.

Here, we've compiled a list of India's most exquisite holy sites to visit with your family or by yourself to find serenity, knowledge, and peace.

1. Shirdi:
Practitioners of several religions visit the Shirdi Temple in Maharashtra - home of the famous guru Shri Sai Baba. The devotees believe that Sai Baba's 'Dwarkamai' is the place that will solve all their problems.

2. Golden temple:
One of the most significant pilgrimage sites for Sikhs is the Harmandir Sahib Gurudwara in Amritsar. One distinct feature of this Gurudwara is its Langar (meal service), which bagged the honour of being one of the most extensive operating kitchen services. The Langar is open all day for the devotees to enjoy delicious prasad and make their visit more memorable.

3. Kedarnath:
The Hindu temple of Kedarnath in Uttarakhand praises Lord Shiva. It is one of India's Char Dhams. According to the mythology of Skanda Purana, Kedarnath is considered the abode of Lord Shiva.

4. Amarnath:
The sacred Amarnath shrine is located in Jammu & Kashmir. Devotees can only access it after a few days of strenuous hiking. This temple does not contain an idol. Instead, a Shivling forms when water flowing from the cave's top solidifies and rises upwards. This natural phenomenon is the highlight of this holy place. Amarnath is also known as one of the 18 Mahashakti Peethas.

5. Vaishno Devi:
Located in Jammu and Kashmir's Trikuta mountains lies the temple of Vaishno Maa. It is a Shakti Peetha and one of India's most prominent religious sites. Moreover, it is associated with a thrilling story highlighting the victory of good over evil. After visiting the Vaishno Devi, visiting the Bhairavnath temple is a must.

6. Badrinath:
As famous as Kedarnath, Badrinath is one of the Char Dhams for Hindus in the state of Uttarakhand. Lord Vishnu was believed to have come here to meditate and call this location home.

7. Temple of Jagannath:
According to Hinduism, the Jagannath temple in Odisha's Puri is an important pilgrimage site as it conducts the annual Rath Yatra here. Many devotees of Vishnu and Krishna participate in the yatra and celebrate the event like a festival. In addition, this temple is famous worldwide for its architectural magnificence.

8. St. Francis church:
Situated in Goa, it is acknowledged as India's first minor basilica. It houses the bones of St. Francis Xavier in a coffin and is only opened to the public once every ten years. It is also renowned for its gothic architecture.

9. Dargah of Haji Ali:
Dargah of Haji Ali is one of India's most famous Islamic holy sites. Situated in southern Mumbai, it consists of a mosque and Pir Haji Ali Shah Bukhari's grave. The Mughal style architecture influences the dargah, with beautiful white domes and minarets.

10. Bodh Gaya:
Located in Bihar's Gaya district, Bodh Gaya is one of the significant pilgrimage locations for Buddhists. It features three monasteries and several organizations that offer classes on Buddhist philosophy and an 80-foot-tall Buddha statue. It is also home to the Mahabodhi tree, where Gautam Buddha attained enlightenment.

When planning your next vacation, consider a couple of these religious sites in your itinerary. Set off on a spiritual pilgrimage with your family and feel inspired. While you uplift spiritually, it is also vital to ensure your family's safety while travelling. Before making travel plans to these holy places, count on Magma HDI's general insurance policies and have a safety net for you and your loved ones.

Click HERE Browse general insurance policies

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.

It's been a long and challenging time of social isolation, lockdowns, quarantines, and cancelled gatherings. But, finally, the series of missed opportunities have ended as more vaccines reach the arms, and the limitations imposed by the Covid-19 national lockdowns have progressively eased. Now, we have been allowed to socialise with our loved ones in ways we haven't been able to for a long time.

So, what better time to plan a reunion than now? It's time to take your travel bags out of your closet and put an end to these slumber times.

Below, we've talked about five great reunion spots for you and your loved ones to call home for a few days.

1. Goa, where vibes match your energy: If the most desired vacation in India had a name, it would most likely be Goa. Goa is as near a fantasy paradise as you can get and is a perfect blend of modern and traditional culture. You think of clean water beaches, enthralling water-sports activities, and crazy pubs and disco parties whenever you hear about Goa. But, wait, Goa is much more than that. The best Goan seafood, a historical Portuguese colony with a distinct charm and the Goan culture has no parallel. Since the proclamation of a nationwide lockdown in March, Goa has been one of the most eagerly awaited tourist destinations. It's the right time to plan a trip and make a vibe – Goa is ON!

2. Darjeeling, a paradise for tea lovers: Located in the Kanchenjunga range of the mighty Himalayas, Darjeeling is a picturesque hill station in the Northern region of West Bengal, which has earned itself the moniker of 'Queen of Hills.'

Rightly so, Darjeeling works wonders to cater to the magnificent Himalayan scenery, offering a blend of splendid tea plantations on steep mountain slopes, toy train trips through the beautiful city, and exquisite traditional Tibetan food. So if you want to cool off and spend time in the arms of mother nature, Darjeeling is the place to be.

3. Rishikesh, discover adventure with spirituality: Commonly known as the 'Yoga Capital of the World’, Rishikesh is part of India's beautiful state of Uttarakhand. Rishikesh is a place that truly epitomises the word serenity since there are several ghats and ashrams for you to rediscover yourself amid the world's craziness.
Go river rafting in the river Ganga or thrilling treks in the Himalayas; there's something for everyone. Rishikesh is catching the attention of travellers massively after the ease of lockdown restrictions. It will help you wake your spiritual side and enlighten your mood in peaceful surroundings.

4. Coorg, mountains calling: Coorg is part of the scenic state of Karnataka. Located halfway between Mysore and Mangalore, it appears to be a sliver of heaven that has strayed from God's realm. Coorg is a land of rolling hills, evergreen jungles, spices, and coffee farms. Fall in love with soothing sunrises, pristine air and heart-throbbing views of mighty elephants while sipping on a cup of famous Coorg coffee.

5. Munnar, surrender to serenity: Part of God's Own Country, Munnar is one of India's most famous hill stations. It is a destination with an abundance of natural beauty to see, experience, and enjoy. It is a land of virgin woods, beautiful hills, Savannahs, gorgeous valleys, countless streams, magnificent waterfalls, extensive tea plantations, and winding walks that are sufficient to calm your exhausted minds. Reside in the abode of greenery with your loved ones by visiting Munnar.

Have you decided on a destination for your reunions yet? If not, plan it soon, but remember that the pandemic has not ended yet, so you must abide by all Covid protocols. Also, don't skip the most crucial part of your trip: being safe and keeping others around you safe. Have reliable car insurance, and if you have one, check for your car insurance renewal before you pack your bags and set out for an adventure.

Click HERE to know about the best car insurance renewal deals that you can get.

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.

Having a fluffy and tiny pet with you is similar to raising a small kid. But, as their parents, you also have a responsibility to make sure they do not face any problems. Additionally, having a pet in your home brings a lot of challenges. You have to ensure that you take adequate care of your pet to get them a cosy and safe habitat.

We help you with some tips to become a good pet parent and shower your pet with some extra love and care.

1. Make your pet get a safe environment:
Since your pet will spend most of the time inside the house, ensure that you create a healthy environment. Perform all the primary duties such as ensuring that their water bowl is complete, having food whenever they are hungry, litter box, and bed to snuggle when they want to relax. Keep chemicals out of reach and make sure they are also away from areas that can put them at risk, such as electric wires, electric cords, and strings.

2. Take your pet to the vet regularly:
Like humans, pets also fall sick, and it often goes unrecognized. To ensure your pet is away from sickness, take them to the vet for a regular visit.

3. Keep them active and provide enough socialization:
Similar to how kids need to play outside, pets are equally active and playful. Take your pet to outings, for a walk, run, or take them out for fun activities. You could also take them to pet events where they have plenty of socialization with other pets.

4. Set a daily routine for your pets:
You can create timelines for bathroom breaks, mealtimes, playtime, and outings. This way, your pet sticks to a daily routine, making everything easier.

5. Groom them regularly:
Hygiene is crucial, whether it’s for humans or pets. To avoid infection and diseases, keeping your pets groomed is essential. Regular baths and cleaning will help in keeping them fresh. Additionally, trim their nails so you or other family members do not get injured while playing with them.

6. Invest in training your pet:
Training your pet is an essential aspect of being a good parent. While many pets change and adjust to new behaviours as they grow, training is necessary. You can start by training them from the initial stage, developing them into habits. However, you can also invest in professional pet trainers to save time.

7. Understand that your pet may suffer from separation anxiety:
Like humans, pets such as dogs and cats suffer from separation anxiety. Your pet will become anxious and follow aggressive behaviours as you leave home. An easy way to reduce separation anxiety is by leaving something with your scent on, such as a blanket or sheets, so they feel close to you even if you are not home.

8. Create a playful environment:
Your pets may become bored after a while. Although you cannot ensure that you will entertain them all the time, creating a playful environment by filling their area with toys and other products designed for pets will keep them joyful all the time.

Being a pet parent can be challenging and fun at the same time. Some people feel more connected to their pets than humans, and it’s no harm in that. However, as a pet parent, you must take proper measures to ensure your pet feels loved all the time.

Entrust your bond with your beloved pet with insurance benefits to avoid the worries of injuries and focus just on spending quality time with your animal buddies. Invest in a robust online general insurance plan and get the advantages of its features for your complete family.

Click HERE to know more about online general 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.

There was a time when only those with unbelievable daring and high tolerance levels could enjoy rock climbing. But today, time is changing; with modern gears and professional instructors, anyone with passion and some training can exercise the sport of climbing.
Mountain climbing is the sport of climbing rocky surfaces with the aid of ropes and equipment. The goal is to reach an endpoint or a summit of a structure.

It is a physically demanding sport that combines fitness and agility with mental strength. It forces you to push your body's ability further to conquer an ascend or traverse. It may be difficult for some, but that is just another positive aspect of the adventure. The activity gives you a mental and physical boost with an immense sense of accomplishment.

One of the significant benefits is boosting your leadership qualities. As rock climbing is a preferred group activity, it becomes the ultimate classroom with lessons applicable to all aspects of life, including business, management, and leadership.

So, here are some of the important lessons you learn during your way up that eventually make a big difference in your leadership skills.

Trust – important of all! Trust and confidence within the team of climbers is a quintessential skill required during mountain climbing. You may enter situations where your life depends upon your teammate's abilities, and for this, their capability and competence must convince you. Trust cannot be earned or given in a moment. It requires several sub qualities like confidence, proficiency, transparency, and patience. You need to be familiar with each other's strengths and weaknesses and to be confident about relying on someone in the future.

Everyone has their fortes in climbing. For example, some are proficient in rock climbing, whereas others secure the rope while your partner climbs, so we must trust each other to lead when necessary. These are qualities of a good leader that he acts as a team player and not a commander.

Decision making – a remarkable ability! The adventure compels you to make many pivotal and critical decisions during your climb. Your one wrong decision can lead to a consequential mission termination, delay conquering the rock or even a mishap. It requires clarity of mind to work through solving problems. Being able to prioritise and understand the bigger picture is critical to navigating through obstacles.

A great way of decision-making in such environmental conditions is the OODA loop used by the US military. OODA stands for observe, orient, decide and act. OODA is a four-step loop approach that focuses on decision making by filtering available information, putting it in context, and making the most appropriate decision while understanding that alterations should be made (if necessary) when more data is gathered. It is helpful in scenarios where the ability to react to changing circumstances is vital.

Another leadership quality is 'care and concern'. No doubt on the hike, you look out for each other, but that is not enough. Ensure that everyone has a personal accident insurance policy, as it is a necessity that many may overlook.

Is a good leader enough for a successful trek trip? Absolutely not! Every individual requires a skill set for this sport. Skills of navigation, communications, survival, and climbing are all necessary. In addition, rock climbing requires courage and determination. The hard work of ascending is worth the peace at the top.

Click HERE to know more about our 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.

We have all been in a situation where we've felt completely drained of energy but have no clue what to do to get it back. Work fatigue results in higher unproductivity and even leads to draining mental health. Therefore, to help you combat it, we have compiled a list of the best six ways you can regain your energy.

1. Stay hydrated:
When you don't drink enough water, your heart pumps at a lower rate than usual, resulting in a decrease in the supply of blood and oxygen to the organs. It is recommended to drink at least 3-4 litres of water per day. To get this amount of water, you can keep a bottle of water on your desk while working and take regular sips as you get your job done.

2. Have a clean diet:
It is necessary to ensure that your diet is balanced and contains the appropriate amount of nutrients required by your body. Your meals should include the right portion of protein, fibre, and, most importantly, green leafy vegetables. In addition, you must limit simple carbs and avoid sugar. Overeating can also be one reason why you feel lethargic all the time. Have a balanced diet that covers all your micro and macronutrients.

3. Use Pomodoro Technique:
Studies have proven that the human brain works more efficiently when given rest after any activity. If you work without taking breaks, you will feel low and unproductive. To avoid this, you must try the Pomodoro technique. Using this technique, you break your work into 25-minute chunks and take a 5-minute break every 25 minutes. This will help you manage your time efficiently and help you feel more productive and active.

4. Get yourself moving:
Studies have proven that individuals who work out daily have better cardiovascular activity and a better mood than those who do not. When you are physically active, your body releases endorphins in your bloodstream that give you a feeling of excitement and joy. Exercising for at least 20-25 minutes every day will help you be more active and physically fit.

5. Practice yoga and meditation:
To improve your focus and feel more energetic, you must try yoga and meditation. Many businesses and corporates have adopted meditation as a part of their culture. Practicing yoga and meditation every day may help improve your focus and achieve mental peace that will indirectly help you be more active throughout your day.

6. Consult your doctor:
This is your final resort if you have tried all of the aforementioned tips. There could be other causes why you feel tired and awful all the time. It is recommended to consult your doctor if you continue to feel fatigued even after a considerable amount of time. If you have health insurance, your insurance company can cover your medical expenses. Therefore, you will not have to worry about the cost of medical bills and pressure on your finances.

It can be extremely stressful to be unable to complete a given task even as the clock ticks closer to the deadline, especially when you are struggling with work fatigue. Fortunately, with the help of these tips, you will have a much easier time regaining your energy and feeling more productive!

Click HERE to understand the merits of 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.

Suffering from low self-esteem is something that most people deal with in silence. Some only have to encounter it for a short time, when they are sad about something or feel a bit low. But, if you continue to dislike yourself, your appearance, or your performance, it can lead to severe mental health issues.

Low self-esteem is often a product of unpleasant life experiences. A psychologist may help you figure out the root cause of your problem. The good news is you can improve your self-esteem at any age by making a few lifestyle changes.

Here we bring some advice for raising self-esteem and boosting confidence for an improved living.

1. Pay attention to your thoughts:
Keep a caution about what you are thinking. For example, avoid thinking negatively, such as if your friends do not hang out with you. Instead, note down the thought and start thinking about positive evidence that contradicts these statements. Finding even one piece of evidence will instantly make you feel better.

2. Identify your triggers:
We all have specific situations that lower our self-esteem. Note down all the things that make you feel insecure. Hanging out with negative people can often bring down your self-confidence because of their behaviour towards you. Avoid the company of such people as they always nudge you in an unpleasant situation.

3. Be kind to yourself:
We often care about what others think of us but rarely consider our thoughts. For example, you have put on an outfit you love, but you have started questioning yourself because someone else has told you that it does not look good on you. Do not do that. The voice in your head saying, “You look good today!” is way more important than other opinions.

4. Build a positive friend circle:
You might find yourself smiling more with specific friends and being a little less self-conscious with them. While not everyone has to make you feel good about yourself all the time, no one should be allowed to make you feel bad either. Enrich your circle of positive friends.

5. Do not fight your thoughts:
Believe it or not, every person in the world thinks that there is someone better than them, even your favourite movie stars, sportsperson, or other celebrities. You cannot control the thoughts that occur naturally to you. Instead of fighting them, allow yourself to feel them and try to lessen their influence on your behaviour and personality.

6. Nobody is perfect:
The ultimate mantra to a good and happy life is remembering that nobody in the world is perfect. Even the people who judge you are self-conscious about themselves, but they try to hide it by reflecting their insecurity on you. Therefore, do not compare yourself to them or pay heed to their opinion. Instead, focus on your goals and aim to be the best version of yourself.

Self-doubting can not only ruin your mental health but also invite unnecessary health problems that can cost you a fortune. These situations will only add to your worries and make you feel emotionally drained out. Hence, doing what makes you genuinely happy is essential for a healthier lifestyle. Having insurance for your aid is also a crucial parameter for improved living. Invest in Magma HDI’s affordable health insurance plans to boost your confidence, add value to your life and make you happy from within.

Click HERE to know more about affordable health insurance plans ideal for all your needs.

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.

After working hard throughout the week and surviving hectic schedules, a break is exactly what you need. A bike trip is the perfect way to unwind from the bustling noises of the city.

Travelling to places with greenery and mountains sounds like a fantastic way to spend your weekend. However, we must keep the beauty of these places alive. You can support the environment and contribute to sustainable travel by including eco-friendly travel products in your journey.

Check out some of these environment-friendly products that are worth the investment.

1. Reusable water bottles:
Single-use plastic bottles are one of the most significant contributors to environmental degradation. Most of these plastics go to the oceans and harms aquatic life. You can reduce plastic consumption by carrying your reusable bottle instead of buying a new one at every stop.

2. Cloth bags:
Plastic has made its way into our daily lives and refuses to exit. From packing to discarding, we use plastic for everything. For an eco-friendly choice, consider canvas or cloth bags. If you wish to shop on the go, you can bring your cotton bag rather than using plastic ones.

3. Biodegradable toothbrushes:
You may think toothbrushes do not need to be made eco-friendly, but the handle and bristles are made of plastic. Nowadays, many brands have started producing toothbrushes made of natural materials.

4. Refillable coffee mug:
If you can carry a travel bottle, why not a mug for your coffee? There are many varieties and designs of reusable coffee mugs available in the market. So instead of buying coffee and leaving a trail of cups behind, you can simply refill your reusable cup.

5. Solar charger:
You may not always find a charging slot when you are on a bike trip. Solar chargers make sure your devices stay charged on the go, not only for collecting as many memories of your trip as possible but also for staying in touch with your family and friends back home. Solar chargers help you stay functional while simultaneously helping the environment.

6. Eco-friendly food containers:
Everybody gets hungry on the road. When packing your food, make sure to avoid plastic or styrofoam containers. It's also advisable to avoid using plastic ziplock bags. Instead, carry eco-friendly containers for your food.

7. Travel towel:
Always carry your own towels when travelling. You can use a microfiber towel that dries fast. This will reduce the need for new towels at hotels, thus reducing laundry and saving water.

Travelling to new places on your bike is a mesmerizing feeling. However, what’s even more amazing is preserving our environment to sustain the beauty of these destinations. By doing this, you'd be playing a crucial role as an environment safety volunteer by promoting a cleaner nature for future generations.

Also, you can only enjoy a trip to the fullest when you know you are protected under the hood of insurance coverage. Therefore, investing in 2 wheeler insurance is also an invaluable practice to follow to eliminate the stress of losing your bike and help you enjoy your trip more.

Browse through the best available 2 wheeler insurance plans for your bike 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.

Visiting new places and destinations is one of the most fulfilling life pleasures you can have. It brings a wave of fresh thoughts and experiences that you’d never receive at home. While some individuals prefer to travel alone, there are several advantages to travelling with companions.

But the downside of a large group journey is that it can often be a trip of regrets if you don't plan it correctly. In this post, we’ve talked about eight great tips for you to follow if you seek an excellent group travel experience.

1. Assign a trip leader:
Having a leader makes so many things so much easier. From planning the itinerary to the hotel bookings, having a single voice for the whole group avoids miscommunications and helps the planning process a lot easier.

2. Distribute the work:
One person can be in charge of logistics, while the other can coordinate for itinerary and other activities among group members. Make the final decision unanimously. This way, everything will be structured, and no one person will bear all the load. After all, it’s a group thing, right!

3. Figure out your finances:
We aren’t talking about tracking expenses; we’ll get to that later. Firstly, figure out the group’s budget for stays, transportation, and meals. By doing this, you can explore many options and packages within your budget.

4. Look for group discounts:
You can unlock a plethora of deals if you're travelling in groups. It’s a winning situation for both the service provider and you. Looking for a stay? Call up the hotel or homestay and ask for group discounts. Booking air tickets? Book for the whole group at once and avail cashback and discounts.

5. Split the expenses the correct way:
The inability to share expenditures can transform an incredible vacation into a tax audit in no time. Nowadays, applications are available on smartphones that allow you to manage the splits and contributions smartly.

6. Schedule some YOU Time:
Remember, you're not obliged to do everything with the group just because you're travelling together. Get out and explore what matters to you the most. Encourage others to practice it as well; it will release you from the tension of being together always and make up for an exciting dinner talk when everyone gets back together.

7. Communicate:
Make sure that everyone in the pact is aware of the entire itinerary. Ascertain that everyone is aware of the stay's location and name. Set up a group text or some other method of assuring that the group can communicate with each other at all times.

8. Not everyone can be happy:
With numerous personalities, there will always be some people who aren't entirely agreeing with others, no matter how hard you try. It’s okay. This is part of group travel and going through it is also an experience of its kind. Find a way to tackle the inconvenience unanimously.

Additional Tips:

• Get in touch with a travel agent to make arrangements easier.

• Try including the people in your group who make life better and not challenging.

• Keep your general insurance plans (travel) updated. Encourage other group members to have a general insurance plan which provides financial protection during the trip.

• Opt-out of the group activities that you don't like.

• It’s a vacation, not a group project. Ease out and relax.

You'll be able to appreciate that quality time together even more now that you know how to arrange a trip for the pact. Those unbroken moments of connection are priceless in today's close yet so far digital environment. Go out and Live!

Know more about the general insurance plans before you plan your next trip. 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.

The recent surge in cyber-attacks on businesses indicates that no organization is exempted from the online threat. Even the IT industry, which is supposed to help other sectors be safe, is on the radar. No matter how top-notch your company's security software may be. The end-user of it is the employee, and their negligence could jeopardize the entire organization.

Recent studies have proven that more than 80% of cyber-attacks are caused by human errors and not the inefficiency of the security measure. As a result, the significance of cyber security training has grown exponentially. In this space, we will be discussing a few ways to educate your employees to be smart when it comes to online security.

1. Enlighten employees about the impact of cyber exploitation:
When educating employees, explaining the impact of a cyber-attack on the organization is the best move to start with. This includes shedding light on economic damage and loss of trust among consumers. Most workers are unaware of the risks of exposing the company's digital assets while being involved in activities like viewing work-related documents when connected to a public WiFi, discussing the security systems with people not associated with the organization, etc.

2. Make training mandatory for all the new employees:
Ensure that all critical aspects of cyber security are communicated to new employees to prevent potential cyber-attacks. Including data protection and internet usage guidelines in the employee handbook is advisable.
Demonstrating that your company values cybersecurity just as it does job functions and goals will establish a feeling of responsibility in them, and they will be cautious about the cyber threat from the beginning. Educating them over these matters is crucial.

3. Teaching them about password safety:
Passwords are required for accessing devices, authenticating accounts, and using any job software, platform, or tool. Because there is so much to memorize, many employees may choose general passwords that the hackers can readily decipher. Cybersecurity training should educate employees to grasp the significance of passwords. The company must promote encrypted passwords, and employees should be given proper training on the concepts of encryption and decryption.

4. Take advantage of cyber security training courses:
There are a lot of courses available online about cyber security. They take you through all the important Dos and Don'ts while using the internet. Encourage your employees to enrol in such programs and ask them to present the certificate of completion. You may even conduct in-house workshops and seminars regarding the same.

5. Update the training module and repeat the process:
Provide cyber security training regularly. Continuous training will enable you to include regulatory changes and knowledge about the most recent frauds into the training module. Staying up to date can make the difference between keeping your business safe and compromising it to fraudulent attacks.

Additional Tips:

• Organize seminars from cyber security professionals.

• Reward employees for their achievements and wise decisions regarding cyber security.

• Teach ethics to practice while working off-site.

• Teach the employees how to spot online scams.

• Secure your company against cyber-attacks by having public liability insurance as a protective cover for your data and information.

Employees having proper knowledge about cyber safety is a business's first line of defence because, as we said earlier, your company may have the most robust IT solutions. Still, your staff are the ones that operate and maintain those resources. Therefore, educating them with the proper understanding will improve what is frequently seen as the weak point in any security chain: people.

Click HERE to know more about how public liability insurance can protect your organization from cyber threats.

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.

Although you might have overlooked common errors and mistakes while driving on the city roads, you cannot be as careless in the ghat region. You might think it's cool to speed up and make drifts on your car at the bends, but this can be extremely dangerous.

No matter how experienced you are, you have to be extra cautious about driving in the ghat section. The driving conditions in the ghats are challenging due to steep bends and the poor visibility ahead that aggravate the situation differently in different seasons.

Following are some safety tips that might help driving in the ghats feel easier.

1. Don't overtake unnecessarily:
It is typical for an average driver to overtake slow vehicles (especially trucks and buses). However, unlike familiar roads, the front view from a driver's perspective is often restricted in the ghats, and the driver cannot see if there is an available space for them to overtake. Hence, it is suggested to wait till the vehicle in front moves ahead or gives you a signal to overtake it.

2. Stop only at a safe spot:
You might want to click photographs of the pleasant views of the ghats. It is not a good idea to stop on narrow turns and block the way for other vehicles. Hence, if you plan to halt, ensure that you pull over at a safe spot only. Keep your parking lights on when you are stopping. This will alarm the vehicles behind you and reduce the risks of accidents.

3. Use hand brakes if necessary:
Hand brakes are efficient during ghat journeys, where multiple halts may occur due to elevated roads and bends in the way. They are the best support you can get from your vehicle to prevent accidents due to the inefficiency of the standard braking. You will have to set a balanced rhythm between the acceleration and braking of your car.

4. Gear shifting around bends:
It is better to shift down to the second or third gear so that you can take turns at the ghat section with ease. Usually, drivers do not realize that they are in the fourth or fifth gear until they reach the bends, which brings their cars to a jerky halt. Therefore, it is better to change gears and drive slowly in advance so that you do not find a problem in making the turns.

With these tips in hand, you need not worry about driving at the ghat sections now. Although it can be tricky for new drivers, following standard road protocols and safety measures can prevent unfortunate events and heavy losses.

Another important safety tip to follow is getting personal accident insurance for you and your family. Get appropriate personal accident insurance to add an extra layer of protection. Once you follow these tips, you are all set to drive in the hills in peace.

Click HERE to know more about the best deals on personal accident 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.

We assume that you're about to have your first martial arts lesson soon if you are reading this post. From physical fitness to mental toughness, martial arts require a few prerequisites before you start kicking those sandbags. So, here we have compiled a list of things you must know before your first class.

1. Learn about the various forms of martial arts:
Some of the most common ones are Taijutsu, Kung Fu, Taekwondo, Karate and Brazilian Jutsu. Before starting your martial arts lesson, decide which form you want to learn and train in.

2. Get a standard set by your coach:
Once you decide on your martial arts form, consult your coach, and get a training routine in place. This will help in ensuring consistency and improvement.

3. Get the required equipment:
You need to gear up before beginning your martial arts lessons. Each combat art requires a particular set of equipment necessary to protect you and your opponent throughout.

4. Get your nutrition on point:
Martial art is not an easy sport. It demands a dedicated diet plan and an intense workout regime. While you are training, you will be burning a massive amount of calories. You will also be putting an excessive amount of strain on your muscles, which will result in them getting damaged. So, to repair and strengthen them, it is essential to have a balanced diet with the optimum amount of protein.

5. Understand the art rather than just learning it:
Martial art is not just a form of fighting. It is about understanding your body and its limits. Moreover, it is about achieving inner peace and gaining insight into your true potential.

6. Be ready to bear the blows:
While learning how to defend yourself, you must also be prepared for some blows. There will be instances where you will get bruises, body aches, or even severe injuries. It is recommended to get an individual health insurance plan to safeguard yourself against medical worries.

7. Be there with an open mind:
While learning martial arts, do not compare it to other art forms. Instead, respect each art and understand that each form has its significance.

8. Learn to have self-control:
With learning martial arts, you will learn a great deal about fighting skills, and you will gain a more profound knowledge of the human body. However, you cannot use these powers on an average person. You must be responsible because this can be fatal for the other person.

9. Be a part of the community:
One of the best things you can do is build your connections with the coach and your fellow mates. Your coach and co-trainees will understand you better than anyone else and will support and motivate you throughout your learning journey.

10. Start your martial art class with a NEVER GIVE UP ATTITUDE:
The process can be challenging, but the results will always be worth it. Always keep a high spirit and move ahead to achieve your desired results.

Martial arts is a fantastic sport to play. Not only will it keep you fit, but it will also be a means for your self- defence. Make sure that you are consistent with your training and focus on one particular martial arts form. However, injuries will be a part of the progress. Therefore, we recommend you schedule regular health check-ups and sign-up for individual health insurance plans if you're aiming to excel in fierce sport-like martial arts. And most importantly, remember, the process will always be challenging, but the results will be worth every sweat and tear you wash away!

Get the best deals on health insurance 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.

Are you going for a long holiday break? Or the winters are around the corner, and it’s just not your season to ride. Whatever the reason might be, there comes a time in every biker’s life where he has to store his two-wheeler for a while. The duration can be long or short, depending on the reason.

Bike storage might sound like just parking your bike in your garage and putting a cover over it until you use it. You can simply do that, but it can cost you a hefty price if certain factors are not considered. Properly storing your bike is crucial if you’re not operating it for a considerable duration. Here are a few tips that you can imply to keep your two-wheeled companion safe.

1. Give it a good wash:
The dust and dirt sitting on your bike’s body can ruin the metal over time. Make sure you wash it properly using an automobile shampoo and a sponge. After the wash, don't forget to dry it manually as soon as possible. If the water rests on the surface of your bike, that can be a problem too.

2. Lubricate the components:
Because of ever-changing atmospheric conditions, components like chains, cables, springs are susceptible to corrosion, especially when the bike is left motionless for an extended period. You can prevent rusting by lubricating the components with anti-corrosion solutions.

3. Let’s come to the battery:
If you are going to be around, you can start the bike at periodic intervals to retain the charge. If not, then removing the battery is the best option. And if you decide to remove it, keep it in a place where the temperature does not fluctuate.

4. Don't drain the fuel tank:
A full tank is required to keep moisture from accumulating on the tank walls. There are a lot of posts suggesting you need to drain off the tank before storage. But if you drain the tank, you need to layer the tank walls with fogging oil to prevent rust. So it is better to fill the tank up and add a fuel stabilizer to it.

5. Change the oil and replace the filter:
Old oil sitting in storage can damage engine components, making it unsuitable for vehicles that will be stored for more than a month. Change the oil and replace the filter after you've given the bike one last ride and filled up the petrol.

6. Check on your insurance:
Apart from physical preparation, it would be best to double-check your bike insurance. Check the expiration details and ensure it doesn't expire while in storage. Because you still want to be insured in case of theft or fire, it's not a good idea to cancel or let your motorbike insurance expire while it's not in use. Renew your bike insurance online even when you are away with just a few clicks. It’s quicker than topping up your fuel tank.

Additional Tips:

• Park the bike on the center stand.

• Use a good quality cover.

• Empty all the storage compartments.

• Choose a well-ventilated storage place.

• Ensure pest control of the parking area.

• Keep the tyre pressure in check. Ideally, fill the tyres up to 80%.

Whatever your motivation for storing your motorbike might be, how you prepare it for storage will significantly influence its performance in the future. If you're unsure of the duration of storing, it is preferable to over-prepare for storage. Also, consult with your mechanic to guide you in the right direction with more handy tips.

Click HERE to get the latest updates about the deals on 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.

Women taking over the world has defeated the dependency on others to get things done. Female drivers are just another example of this scenario as they are considered safer drivers than males.

However, the risks for women on the road are twice as compared; especially if you are a lady driving alone as you are exposed to many dangers. A female driver needs to be extra cautious to avoid undesirable events such as falling victim to hijacking, stalking, assault, or worse, murders. Here are a few tips to prevent from these situations happening and keep you driving safe.

1. Maintain your vehicle:

• Maintenance will assure you fewer chances of the vehicle breaking down midway through your journey.

• Get the car thoroughly checked before every long trip and in regular intervals for daily commute.

• Do not forget to keep an eye on the fuel indicator.

• Look out for unfamiliar noises of the car and get it checked from a reputed garage immediately.

2. Learn the basics:

• Acquire complete knowledge of the car, including its engine capacity, tyres, oil, and fuel capacity.

• Every female driver should know how to change a flat tyre, jumpstart the battery, clean up the carburettor, etc.

• Top up your oil, antifreeze whenever needed.

3. On-road safety:

• Lock the car doors first as soon as you enter.

• Park the car in a settled area and check your backseat when you get in the vehicle.

• Do not interact with anyone on the road.

• Never offer a ride to strangers, especially when alone.

• Always inform at least one person from your circle about your trip details and plans.

• Avoid pulling over at dark and isolated places.

• Install a certified GPS device in the car and give access to your close people

4. Driving suggestions:

• Beware of easy distractions such as using your phone, loud music, zoning out, eating or drinking. You need to keep your eyes on the road and stay alert while driving.

• When required to stop, make sure to turn on the flashers and then pull over slowly.

• Flashers should be on in case of breakdowns, illegal parking, tyre change, lousy weather or slowing down to exit.

• If you notice someone following your car, drive to the closest police station to get help.

• Honk your horn only in critical situations like blind turns, warning someone, to avoid collisions or possibly dangerous circumstances.

• Maintain a distance of at least 8-10 feet from every vehicle ahead of you.

5. Insure your vehicle:

• Refrain from driving without car insurance.

• Insurance can serve as a support aid when caught in unfortunate situations such as road accidents, breakage, etc.

• The insurance company will also track down your location and reach there in emergencies.

• Keep your car insurance up to date. Car insurance renewal is requisite when it is about to expire or expired.

Driving alone is not always scary and of insecurity. Yet, women have to take precautions to ignore indulging in misfortunate events and be their own protector. Increase your safety while driving by being alert, paying attention to your surroundings, keeping your car maintained, car insurance renewal before expiry, follow driving instructions and so on. We hope that these tips will add to your security and keep you guarded when driving around alone.

Click HERE to know more about car insurance assistance.

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.

Today, climate change is a severe concern. According to a survey published by IQAir, India now has 22 of the 30 most polluted cities globally, which is alarming! Nations around the globe are researching to find environmentally friendly alternatives for everything that feed on fossil fuels. India, too, has set a goal of reaching zero greenhouse emissions by the year 2050. For that, the country is exploring electric mobility solutions that will cut down severely on greenhouse emissions.

When we talk about the electric mobility of the country, its primary segment is the electric scooters. According to nationwide surveys, the market of e-scooters in India will grow by 25-30% by the year 2030. Reasons for these impressive figures are the constant hikes in fuel prices and also the rising pollution levels. Thus, E-scooters are the next big thing in India, making them flash in the headlines in India.

We've seen plenty of new businesses competing for professional status in the electric scooter sector in the recent past. Their advantages reflect their focus on newer technologies, cutting-edge designs, accessibility, and practicality. However, more encouraging is the arrival of international electric two-wheeler powerhouses in the Indian market.

The Indian government recognises the importance of environmental sustainability and renewable energy. It has launched programmes such as 'Switch Delhi' and 'Go electric' to encourage citizens to use electric vehicles. Below, in brief, we've discussed the pros of e-scooters and why you should think of getting one in future.

Environmentally friendly: Electric scooters are ecologically friendly since they reduce the emission of harmful greenhouse gases such as CO2. Every time you ride an electric bike, you're contributing towards a cleaner environment.

Pocket friendly: If you use an e-bike instead of a traditional motorbike, you will save huge money in the long term. Petrol and gasoline are expensive in most nations, and price increases can significantly affect your budget. With e-bikes, you can purchase low-cost batteries that can go 18-50 miles on a single charge.

*Quick math – an e-scooter consumes around 250 watts of power for 20 minutes of driving. Because the cost of electric power per unit (1000 watts running continuously for an hour) is Rs 5, it is evident that electric scooters are reasonably affordable.

Low maintenance cost: You no longer have to be concerned about the upkeep of your scooter. Because of the electric engine, you don't have to spend extra money on time-consuming activities like oil changes, filter cleaning, and gasoline, typically with standard two-wheelers.

Financial incentives: Indian Government provides tax benefits to owners of electric vehicles. Loans are also made accessible at cheaper interest rates, encouraging more people to buy e-scooter. In addition, the Department of Heavy Industries recently revised the 2019 Faster Adoption and Manufacturing of Hybrid and Electric Vehicles (FAME-II) initiative to provide 50% more incentives for the electric scooters sector.

Easy to the Ears: In India, noise pollution has long exceeded permitted limits and has become a severe problem, particularly in metropolitan areas. Switching to an e-scooter can help with health issues, including anxiety, tension, and headaches, as they are almost silent due to the absence of disturbing noises of combustion engines.

Pat yourself on the back if you're planning to go for an electric vehicle or use one already. The future is certainly electric, and not only you're part of it, but you're also helping this world become greener. While you contribute to our mother earth's safety, protect your e-scooter by getting 2 wheeler insurance online for it. If you're planning to buy a scooter, then GO GREEN...GO ELECTRIC!

Click HERE to get the best 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.

We love the monsoon for bringing down the temperatures and making us fall in love with books, coffee, and comforters. However, with the pleasant rain comes floods, water-logging, and much more. And all over again, the monsoon season never fails to surprise us with the amount of damage it does to our vehicles.

The lengthy bills from your car service centre for rusting, complete breakdown, and other damage to your vehicle remind you of your car insurance renewal.

Please remember your car needs some special attention post monsoon time. So here we bring some valuable tips to keep your vehicles safe and minimize the damage to your car.

1. Car Wash – a thorough cleaning: ‘Keep it clean!’ is probably the most ordinary and mundane advice anyone can give you for anything. But here, it is also the most effective. Nothing is better than a good clean-up of your car once the monsoon is over. Be sure to get rid of the leaves, mud, twigs, dirt, and other contaminants that could damage your vehicle. For example, if you have parked your car out in the open during the monsoon, you should get a proper car wash at a service centre to prevent the build-up of leaves and twigs that could potentially damage the paint on your vehicle.

2. Protect the Paint – keep it shining: The best way to keep your paint new as day one, even after these heavy downpours, is to use a protective paint layer, which separates the moisture and rain from the original colour on the surface of your car. For this, you can select from a wide range of quality protective products or opt for less expensive ceramic paint protective layer options. You can also go for a protective paint job at the workshop.

3. Electrical hazards – don’t get SHOCKED: Water and electricity can be dangerous together. So it is advisable to check all the wiring and electrical components of your car to avoid any short circuits. Get your car thoroughly checked for the wirings and any loose or open ends. Use electrical tape to fix them or call a mechanic.

4. Drive Slow – stay safe: Though this one is for all seasons, you need to be extra careful on the road after monsoons. There are potholes everywhere, and the quality of the road is even more aggravated. Drive cautiously, don’t attempt to be reckless as it may cost you badly.

5. Car insurance – safeguard your finances: Relying on your car insurance will help you recover and repair the significant damages to your car if it requires a visit to a workshop for the post-monsoon repair service. Car insurances are financial saviours, and it is your responsibility to avoid delays in your car insurance renewal.

Now you know these must-dos to keep your car clean and in good shape after the monsoon departs. It is always a good practice to get a post-monsoon servicing done to ensure that all the parts of your car are correctly functioning.

To know more about the car insurance add-ons that will be beneficial this monsoon, click HERE...

Some foods might delight your taste buds but can cause discomfort in your stomach. Overeating or eating something that does not agree with your stomach can cause indigestion.

Indigestion is a common health problem. Most people take medications because they do not believe in home remedies. While medications can provide quick relief, home remedies are suitable for your overall health in the long run.

Here we have a list of easy home remedies to calm your upset stomach with zero side effects and the best relief.

1. Peppermint tea:
Peppermint is not just a refreshing flavour for candies, chewing gum and mouth fresheners. It has antispasmodic qualities, making it an excellent ingredient for relieving stomach problems like nausea and indigestion. You could easily add peppermint to your diet by drinking peppermint tea after meals and sucking on peppermint candies when you experience symptoms.

2. Water:
Of course, you already drink water throughout the day. However, sometimes people can forget to drink the adequate amount required by the body. Water is essential for the digestion process and absorption of the nutrients in the food and beverages you consume. Being dehydrated can reduce the effects of digestion by facilitating the incomplete breakdown of complex food particles.

3. Baking soda:
Indigestion occurs when the acid level in your stomach increases. Baking soda has neutralizing properties, which relieve the effects of acid instantly. Baking soda is cheap and can be consumed by mixing with water or honey and lemon.

4. Chamomile tea:
A cup of chamomile tea can fix gut discomfort and indigestion by reducing the number of acids in the gastrointestinal tract. The herb also has anti-inflammatory properties that help ease the pain. Chamomile tea is also a popular choice for calming anxiety.

5. Avoid lying down:
Parents often tell us not to lie down immediately after eating, and now we understand why. Lying down after eating allows the food to travel back upwards, which causes heartburn. Avoid lying down for at least an hour after eating. If you must lie down, elevate your head, neck, and chest with pillows at a 30-degree angle.

6. Apple cider vinegar:
There are uncountable benefits of apple cider vinegar, ranging from skincare to weight loss and relieving indigestion is one of them. Insufficient amounts of acid can also trigger indigestion. The acidic properties of the ingredient increase your body's production of acids. Raw, organic, and unfiltered apple cider vinegar works best for indigestion.

7. Ginger:
Ginger has long been famous for its curative properties. It contains properties that can relieve the contractions in your stomach during indigestion by moving the responsible foods from the stomach much quicker. Ginger can be added to various savoury items as a spice and be used in desserts. For a quick ginger remedy, you could make ginger tea whenever you feel the symptoms.

By following the above remedies, you can manage your indigestion at home without heavy doses of medicines. These home remedies are scientifically proven to improve your condition. However, besides these, you may even count on insurance coverage to secure your health against other diseases. Choosing a good health insurance policy for family will act as a safety net for everyone at home. Purchase one today to enjoy the seamless benefits of the coverage.

Click HERE to know more about the health insurance policy for family that can be your financial saver.

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.

India is a global capital for housing millennials, as almost 34% of its population is GenY. Powered by advanced technology, data, to be more precise, millennials consume a large amount of data each day. No wonder they are recognised as the most data-driven generation.

Because they grew up online, the idea of getting things done from smartphones appeal to millennials' tech-savvy attitude. Rightly so, as it involves a lot less effort. The fact that millennials (and the great majority of customers) are accustomed to doing nearly all of their daily transactions online makes sense to purchase online health insurance.

In this space, we will talk about why this data-hungry generation prefers to go for online health insurance purchases and why you should too.

1. Lower cost: Millennials are identified as frugal shoppers as they believe in cost-effective purchases. They typically choose to follow their instincts and value the price over recommendations. Buying insurance offline involves a cost consisting of the paperwork, the commission of intermediaries, and the transportation cost to make the sale. These variables being absent for online health insurance reduce the premium cost immediately. There is even a chance of getting a lower premium that adds to the savings in some circumstances. And all this attracts millennials; after all, they love smart investments.

2. Ease in comparison: While purchasing health insurance online, you can compare several insurance plans from different company side by side, either by yourself or using dedicated comparison tools. It can help you look at the pros and cons of an insurance company and select the best for you. This ease in comparison is almost impossible while making an offline purchase. This speeds up the overall buying experience and matches this generation's demand for online convenience.

3. Customer reviews and testimonials: On purchasing online health insurance, users have an option to leave feedback on their experiences. These reviews are available on the insurance company's website, their social media pages and other third-party review websites. These reviews help to ascertain your decision for the best insurance plan for you. Millennials never overlook the reviews section; sometimes, that's the turning point in finalising or rejecting a purchase for them.

4. Time saving and DIY: Time is money, and millennials have a reputation for spending an average of two minutes looking for product information and making decisions. Moreover, they want to control their decision and follow their D.I.Y. style. Once convinced, they prefer to finish the entire procedure in a few minutes and get an instant digital copy of the insurance papers. They are more comfortable with online health insurance where neither the insurance company nor the intermediary agent is visited.

5. Online insurance calculators: Online premium calculators are available on the websites of majority of health insurance providers. It makes it simple for clients to assess a plan's premium based on their specific needs before purchasing. In addition, these calculators offer highly accurate estimates. Millennials believe in cost-saving even as much as they look for other features from their policy like add-ons and NCB (No Claim Bonus). Nothing beats a good policy with all the features and a low premium. These online calculators justify the needs of millennials to a great extent.

What does all this tell us about millennials' inclination towards online health insurance? As you can see, this generation is more likely to use the internet for their insurance-related purchases than average consumers. So whether you're a millennial, Gen Z, or a baby boomer, online health insurance is here to evolve and to provide convenient and attractive policy advantages. It's time for others to start exploring online health insurance options too.

Click HERE to buy the best online health insurance for you and your loved ones…

Buying a two-wheeler insurance requires investment of time as the long and complex policy document in small font might look tiresome and time-consuming to read. Most people overlook those crucial details and rely on their life insurance agent while purchasing a policy. You need to be aware of the hidden charges that ridiculously drive up your insurance bill, as your agent might not explain everything you should be knowing.

A few adjustments here and there in your two-wheeler insurance policy might not seem like a big deal to you, but trust us, those will help you save a considerable sum that stays with you over time.

So, here are a few two-wheeler insurances hidden costs you should always pay attention to.

1. Paperwork fees:If you are not opting for 2 wheeler insurance online and instead buying your insurance physically through cheque, you are certainly paying a higher premium. Your insurance company charges you a couple of hundred rupees for the paperwork. Also, the company will not bear the postage cost and handling of all that paperwork; they will undoubtedly pass those expenses on to you. In an online policy, your insurance providers will reward you by waving off extra charges for choosing to go paperless, setting up automatic payments, and paying your premiums online.

2. Avoid monthly payment: When it comes to your 2 wheeler insurance, the payment interval is equally important as the mode of payment. If you pay a monthly insurance premium, the company charges you for specific "processing fees" and "administrative costs" each time you pay. The "instalment fees" will cover all these expenses. Like most businesses, insurance companies also would like to collect their money first. So they encourage you to consider paying upfront, and for that, they offer you some rewards. Therefore, if you decide to pay quarterly (four times each year) or semi-annually (two times a year), you will notice that you have saved considerably on your premium. Of course, if you pay annually or pay-in-full, the offers are even better.

3. Cancellation fees: If you decide to withdraw your policy within 14 days of the cooling-off period, you will have to pay a small fee to the insurance company for the paperwork. What if you cancel your policy post completion of 14 days? Unfortunately, it'll cost you an even bigger fee for the days your insurance company has insured your 2 wheeler. These fees range from zero to thousands of rupees or even more. It takes administrative efforts to cancel your policy, so these efforts justify the cancellation fee.

Other fees include replacing paper documents or fines for providing inaccurate information to insurance companies when getting a quote. Yes, that's the fact that most of us are not aware of. Therefore, make sure that you provide the correct information while applying for a policy.

Did you also get promotional emails and phone calls for the cheapest 2 wheeler insurance online? Don't get fooled by these fabricated illusions of these promotional offers; instead, be a smart buyer to make intelligent purchases. You can often save a significant amount by moving online and paying annually.

Click HERE to get a quote for your 2 wheeler insurance now…

Have you got stuck in heavy traffic again? Guess who'll make the riding experience smooth and convenient by sliding through traffic? Your two-wheeler, of course!

For all the experiences you plan to rejoice in with your two-wheeler, there is a bit of practical advice – as a responsible owner, you should carry a valid insurance policy. But many people doubt that choosing an insurance policy is a daunting task and is expensive. So in this article, we'll tell you more about the myths and facts you should know about your 2 wheeler insurance policy.

Myths get a huge living space in India as false information and rumours always travel faster than light. So let's first have a look at some common myths about 2 wheeler insurance.

1. Choosing an insurance policy is a difficult task: Choosing an appropriate policy is confusing, full of hassles and a tedious task.

2. Insurance is expensive: Insurance is only going to cost money and would not be worth it. This is instead a very common thought every customer has when buying Insurance.

3. Third-party cover is sufficient for two-wheelers: Third-party cover will provide complete coverage for bikes. In case your bike is old, it does not need an insurance policy.

4. Insurance premium depends merely on credit score: The credit score of the owner is the only factor that determines the premium for your chosen policy.

5. An insurance policy covers all damages caused: The insurance policy is enough to cover all costs of damages despite the cause behind it. Your policy will pay you regardless of any terms and conditions.

Usually, facts get lost somewhere in the chaos of myths, but no worries, we'll present them before you.

1. Selecting an insurance policy is no fuss at all: With the assistance of professional insurance companies and their customer services, choosing and buying the right insurance is as easy as buying anything else. You can purchase the insurance right from your couch without even visiting the company.

2. Insurance is not expensive if chosen correctly: Nowadays, customers can choose from many options and plans offered by various insurance companies and even compare them to select the right one. Not only that, you are free to go through every little detail of the policy to avoid unnecessary charges.

3. A proper two-wheeler insurance policy is necessary for your bike: Just having a third-party cover is not enough to secure your bike. It will only provide cover for the losses against third-party and never for your bike. Hence, going for a comprehensive cover is a wise choice.

4. Online is safe: There is absolutely nothing to fear when opting for 2 wheeler insurance online. You can find the most attractive deals and discounts online and even compare policies with smart comparison tools. Moreover, sharing your personal information such as your name, age, address with reputed insurance firms is safe and trustworthy.

5. Every policy has specific terms and conditions: For all the insurance policies, there are limitations on claiming coverage. For example, the insurer will not cover any cost if the mishap includes the drink and drive case.

Having good information about both myths and facts should help you get a clearer idea about a two-wheeler insurance policy. So be a responsible citizen, don't fall prey to any myths and choose a policy for your two-wheeler now by clicking HERE.

Are you happy with your existing car insurance policy and making repeat purchases from the same insurer every year? Your busy work schedule doesn't allow you to squander on choosing a new insurance plan or an insurance company every time your car insurance renewal is due. Anyone would know that renewing an existing policy is far easier and uncomplicated than looking for a new insurance company each time.

But do you know that your insurer also offers a certain level of loyalty appreciation to their existing customers? Most insurance companies offer reward points to their "mini-marketers" for renewing their policies, as these customers act as their company's brand advocates. They provide loyalty benefits to prevent policyholders from switching to other companies with competitive premium rates.

This article will explain 3 significant advantages of opting same insurance company for a car insurance renewal.

1. No Claim Bonus (NCB): Do you know that you get rewarded for not claiming your insurance? That's true; you receive the No Claim Bonus (NCB) when you have had a previous policy and have not made any claims during the policy period. The insurance company gives you a discount on your insurance premium as a reward in the form of a No Claim Bonus (NCB).

2. Decrease in Deductibles – enjoy surprising discounts: Few insurance companies offer you a reduction in deductibles for sticking with them. Usually, multiple factors determine the amount of reduction, like the number of claims-free years you have accumulated in your plan. Even in some scenarios, the car insurers entirely wave off your deductible. Meaning you don't have to pay any deductible at the time of the accident. Though it doesn't help you save any premium, you undoubtedly get cost benefits when filing a claim.

3. Buying a new policy – is it necessary? There are many other costs to starting up a new policy. For example, most insurance companies charge new policy process fees and might require a down payment. In addition, keep in mind that you will also lose the benefits at the time of car insurance renewal if you switch to a new insurance company. Therefore, considering the expenses mentioned above, the overall process of changing your insurance company could prove to be much costlier than what you would have initially anticipated.

Whether staying or not with your car insurance company is a personal choice. However, it is also good to get an insurance quote from other companies to keep up with car insurance renewal and market trends. In addition, there are other things to consider like customer service and claim service that are important for your decision.

Loyalty will nurture the relationship between you and the insurance company that will be beneficial for the long run. If you are satisfied with your current insurance company on the above parameters, there is no need to go around checking out new companies and giving up your loyalty benefits.

So, as you prepare to hit the "renew" button, consider these valuable points to get the privileged customer badge from your car insurance company.

Check out the best insurance plans for your car. Click HERE...

For adventure seekers, biking trips across India have become more common than you would have imagined. Bike riders are known for their love of long, challenging excursions and trips. For any bike owner, going cross-country is always on the bucket list.

A long-distance bike ride will put your riding skills and your bike’s endurance to test, so it is suggested to prepare thoroughly. Before starting your journey, make sure you have insured your vehicle with valid bike insurance.

While you have shortlisted your destination, we have also made this list for you to look at quickly:

• Tip 1 – You should plan a budget to spend on the trip and try not to exploit it.

• Tip 2 – Do invest in safety gear like helmets, gloves, jackets, glasses, shoes, knee elbow guards, and so on. Also, ensure that everything you buy is certified and genuine. Your safety is paramount for a pleasant trip.

• Tip 3 – Schedule a bike servicing right before leaving for the journey. Facing issues midway is certainly something you would not want.

• Tip 4 – Learn how to ride for long hours and the highways. Just starting with your tour is not how it works. You will have to practice at least a month before you begin the trip because these long journeys are the actual test of your endurance.

• Tip 5 – While packing for the trip, do not forget the following: two-wheeler documents, PUC, your ID (preferably Aadhar card), a spare key for the bike, and bike insurance papers.

• Tip 6 – Pack light for the ride. Don’t end up carrying the unnecessary weight. Be smart and only pack the bare minimum.

• Tip 7 – Be prepared for unexpected changes in the weather. When travelling for a long distance, chances are very high that the climate will keep varying.

• Tip 8 – Stick to your schedule and try not to take any detours. Install a GPS device on your bike and carry a physical map, which helps you navigate your journey.

• Tip 9 – Avoid late-night rides. Starting early and ending early is the bikers’ motto. Riding late at night can be tiresome as well as risky.

• Tip 10 – Stop at regular intervals. In your spare time, let your bike cool down, inspect it, or take some time for refreshments before you set off again.

• Tip 11 – Plan up an itinerary. Set a time for daily rides, breaks, stay and follow it.

• Tip 12 – Don’t miss out on the fun. You may face difficulties, but everything about this trip will be worth it. So, enjoy the ride and give yourself a break from the daily hustle.

The most important tip out of all is to ensure bike insurance before travelling anywhere. Keeping your two-wheeler insured is a step towards security and should not be neglected.

Put in some effort and follow the above tips to create an unforgettable journey to cherish for yourself. Good memories make great stories, so pick your bike and don’t miss the opportunity to do something thrilling in life.

To look for bike insurance online, click HERE...

How can you make your car insurance foolproof? The intricacies of car insurance can be puzzling, but it is undoubtedly worth the effort. After purchasing a car, an intelligent person’s first thing is buying insurance, as one shouldn’t delay good deeds. Car insurance is just as valuable and necessary as health insurance. It is crucial to be secure financially once you get behind the wheel.

We bring you tips for making the right decision so that you select the best possible car insurance policy and enjoy stress-free driving:

1. Always review the policy cover yourself to make sure it fits your requirements. Do not go for the first deal suggested by your dealer or insurer.

2. Cut down the costs of any non-required benefits provided in the policy to get reduced premiums.

3. Search for additional discounts such as membership benefits or one-time payment discounts, etc.

4. Make a sensible move and go for higher deductibles. A higher deductible will make your annual premium cost lower than expected, leading to a profit.

5. Do not settle for the first policy that comes your way. Explore your options carefully, compare every selected choice and then opt for the best suited one.

6. Usually, if you get insurance for a single car, it ends up costing more. Getting insurance for two or more vehicles at a time will save you thousands. This is known as the multi-car discount or bulk rate in insurance.

7. Insurance companies may consider the credit ratings of a driver while evaluating the premium cost. Therefore, keeping your credit rating high is only going to be beneficial.

8. A Pay-as-You-Go policy is the best choice for people who drive efficiently. This policy tracks driving to calculate your annual discounts based on how well the car is driven. So this way, driving safely can now save you additional bucks.

9. Do not forget to claim your yearly bonuses such as NCB while renewing your car insurance policy.

10. To avoid inspections of your car from the insurance company, be punctual when it comes to renewing the insurance. Companies may conduct tests on the vehicle to ensure its performance if the policy is not renewed on time.

11. Installing a certified anti-theft device in your car will get your premium cost reduced by the company.

12. Your geographical area makes a difference in the premium of your policy. Two people using the same car model, the one living in an urban zone, will have to pay more than the other living in a rural area.

13. A company providing you with a Cashless option is of advantage since you will never have to worry about arranging cash every time you make a claim.

14. Avoid waiting for your policy to get issued. Instead, take advantage of the updated technology, go for insurance that is given in a short time and does not take months to issue the policy to the buyer.

15. Switch to online policy purchase mode as you get an additional discount for online insurance.

Were you able to draw productive outcomes from the above tips that we have stated? Although car insurance is a basic necessity in today’s life, it can sometimes be cumbersome to your pocket. If not chosen wisely, one may end up paying more than required. So be smart and stay safe by considering these tips when buying car insurance.

For more information on car insurance, click HERE...

Buying online motor insurance is growing into a trend. With the wide availability of many online insurance options, it takes just a few minutes to purchase an ideal 2 wheeler insurance online. The simplified processes help you with the best insurance policy for your two-wheeler instantly.

So, if you too own a two-wheeler and are planning to insure it online, below are the steps you need to follow.

1. Do the best research work:

To purchase an appropriate 2 wheeler insurance online, you need to have a basic understanding of how two-wheeler insurance works. You need to carefully study and compare the plans of different companies by taking their premium, settlement policy, and benefits into account. Familiarize yourself with terms like Insured Declared Value (IDV), Zero Depreciation, No Claim Bonus, Third-party Liabilities, and so on. This helps you to choose the best insurance plan for your vehicle.

2. Selection of a trustworthy insurance company:

Undeniably, selecting the best insurance company results in getting a perfect insurance plan. Always choose a reputed and recognized company. Also, keep track of the company’s sales pattern, settlement process, and after-sales customer support. You can even go for Third-Party 2 wheeler insurance online. Selecting an insurance company with a good customer base and effective customer support secures your vehicle against a wide range of hassles.

3. Look for the insurance plan that suits your requirements:

Once you have selected the best insurance companies, you need to check the various insurance policies listed on their website. Go through all the details of those plans, settle on the best plan that fits your requirements, and then enter your required details and share the necessary documents to buy it.

4. Set your two-wheeler’s IDV:

Post selecting your insurance plan, the next step will be entering the IDV of your two-wheeler. Basically, IDV represents the current value of your two-wheeler in the market. With time, IDV observes a downfall and affects the premium of your insurance. It can turn into the amount you can claim entirely from the insurance company if your two-wheeler faces damage or theft.

5. Pick the add-ons and proceed to payment:

Note that you can select add-ons only if you are investing in a comprehensive insurance plan. Add-ons like cover for Pillion Rider, Zero Depreciation are the best ways to boost the scope of your insurance policy. After successfully completing all the above steps, you are set to proceed to pay the policy premium online. Choose your mode of payment from the options available, make the payment, and soon you will receive the docket of your insurance policy on your email address as an acknowledgement. You can simply print this document to present as proof whenever requested.

Buying online insurance plans are increasingly replacing the conventional method of purchasing insurance policies through agents. These are fast and convenient options with many advantages like lower premium compared to their offline counterparts. Follow the trend that gives you complete control as you take a well-read decision based on terms and conditions shared by the insurance agencies online.

Have A Two-Wheeler But No Insurance? You Can Buy A 2 Wheeler Insurance Online Here.

Having a sound sleep after a long day of work is undoubtedly one of the best things for your well-being. Besides recharging your body for the next day’s schedule, a good rest has various health benefits that can help you live longer.

Having a balanced diet and working out for hours will surely improve your health. But sleep is just as important. Many of us have habits of watching late-night TV shows or busy surfing the internet, utterly unaware that sleep is the pillar of good health and a happy life.

Let us explain you the health benefits of getting proper sleep.

1. You are less likely to be overweight:
Research states that people who do not regularly follow a proper sleep routine are more likely to gain weight and develop obesity than people who get a good night’s sleep.

2. You consume less calories:
Poor sleep patterns can affect your food consumption. Evidence proves that getting good sleep can reduce your calorie intake during the day. This is because your sleep routine affects the hormones responsible for your appetite. The more you sleep, the more your hormones will be active to stay energetic throughout the day.

3. You will have a healthy heart:
Your blood pressure and heart rate go down at night, giving your heart a rest from all the work done during the day. Lack of sleep can adversely harm heart functioning and impact your blood pressure. On the other hand, good sleep can keep your heart healthy if you already suffer from heart disease.

4. You will have fewer risks of diabetes:
Getting good sleep is particularly important if you are at risk of developing diabetes or already have the condition. Sleeping less than the medically recommended hours can negatively affect blood sugar levels for both the short and long-term. For example, a study involving several healthy young men showed that sleeping 04 hours a day for 06 days straight caused signs of prediabetes.

5. You will prevent depression:
Scientists have concluded that there is a link between sleep deprivation and depression. Various studies have shown people with depression complain about their sleep quality. People suffering from sleep disorders, such as insomnia and obstructive sleep apnea, report higher rates of depression than others. So, to prevent stress off your mind, take adequate rest and sleep well.

6. You will have a stronger immune system:
Sleep significantly helps your immune system by enhancing immune cells known as T cells. T cells fight off intracellular pathogens, such as HIV, herpes, and cancer cells. Therefore, better sleep quality results in the better ability of your body to fight infections and illnesses.

7. You will experience reduced inflammation:
If you have chronic inflammation or are suddenly experiencing inflammation, the chances are that your sleep habits are to blame. As we have stated above, sleep regulates your immune system. Poor sleep can result in inflammation. Signs and effects of inflammation may not appear at first but may develop into long-term problems.

Sleeping for a short duration leads to bad health that invites heavy medical expenses. Healthcare isn’t getting cheaper, and you should be one step forward with your medical finances by getting a health insurance plan. This way, you can get access to medical facilities without putting yourself in a pool of financial debt. Get yourself covered with health insurance today for a better tomorrow.

Click HERE to get the details about various health insurance benefits for you and your family.

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.

Does your physical appearance matter to you more than your health? If you consider so, you need to take a minute to understand why this thought needs to be corrected. Forty is the best time to take a deep breath, do a little introspection and say to yourself, "there are a few things I need to do to ensure that I stay healthy". Just because you feel you are in great shape does not mean your health should be left unsupervised.

People in their 40s need to upgrade their game by great leaps by evaluating their well-being and planning for the long run.

Wellness and health experts suggest these few general medical tests as a preventive measure for people over 40.

1. Blood pressure – keep stress away: High blood pressure or hypertension is also known as the silent killer since the patient does not experience its symptoms until very late. It increases the risks of a stroke and other heart as well as kidney-related diseases. Hence, you must check your blood pressure every six months to ensure that you do not suffer from hypertension.

2. Diabetes – an alarm for sugar lovers: Does sugar tempt you, and your taste buds crave to taste sweet regularly? The majority of people will relate to this, and it is pretty natural. But, excessive sugar intake leads to the risk of Diabetes. To eliminate conditions like Diabetes, keeping your blood sugar level in check is essential. A simple blood test can keep you away from numerous risks like heart attack, stroke and kidney problems. So, keep a record of your blood sugar level regularly.

3. Eye and Dental exam – have a clear vision: Regular eye and dental check-ups are just as important as any other medical check-ups. Spectacles do look cool, but why make our eyes suffer? An eye check-up to ensure the best vision is essential to bless our eyes with a long life. Similarly, dental visits to keep your teeth from decaying are equally necessary to keep your teeth in good shape. Indeed your smile complements your personality and leaves an impactful first impression.

4. Mammogram – a wise thing to do: A mammogram or breast cancer screening should be practised every year or two for women in their 40s. Mammograms immensely reduce the risk of breast cancer, saving many women's lives by making a substantial difference. There is a strong message for women: spare time for your health and take care of your body. Your body demands your attention, and never overlook even a minute hint that your body gives you.

5. Health insurance tests: Recently, many health insurance companies ask you to go through several tests before issuing a policy to clients over 40 years old. This requirement has proven to be an intelligent choice for both the client and the company. Buying an appropriate health insurance cover post 40 will be the best gift you can ever give to yourself.

In your 40s, you discover considerable life changes as you feel more in charge of your life. So instead of allowing your 40-phobia to get in, turn it into an elegant transition. This is the time when you need to be careful and alert.

What do all the above signify about planning your health routine after turning 40? Regular medical check-ups and signing up for health insurance should be a top priority to lead a healthy life. Simply getting medical tests done is not enough. If tests can help you prevent serious health ailments, health insurance will safeguard all your health expenses.

To know more about buying health insurance, click HERE...

Your car's routine maintenance is key to saving time and money and keeping it in the best condition. But can you maintain your vehicle by yourself? If you have the right knowledge and the right tools, you can definitely maintain your car in perfect condition. Besides, every car owner wants to keep the vehicle protected from a possible risk of breakdown, accident, or theft. To ensure that, you can have online car insurance for the financial immunization of your car.

Now, let's have a quick look at a few ways that help your vehicle perform smoothly.

1. Hydraulic jack makes things easy: Hydraulic jack is a tool that should always be available in your car, especially if you are off for a long trip. A jack makes it convenient to lift the vehicle at a certain angle so that you can go underneath the car to do a check and do the repairs. The use of hydraulics in jacks eliminates human workload by applying hydraulic pressure to lift the vehicle. Plus, it is so compact and handy that it can easily fit in your car’s luggage boot. If you are working on a slope, you should apply the handbrake and place a big stone or a brick to prevent the vehicle from moving downwards.

2. Carry an entire set of screwdrivers:

The screwdrivers impart an ideal driving force to handle the screws and rip open specific parts. The set of screwdrivers comes with a bunch of drivers of varying sizes and front tips. You can choose any one appropriate screwdriver that can efficiently operate the screw you want to handle.

3. Set of sockets for the nuts and bolts:

Manoeuvring the nuts and bolts with convenience can be effortless, thanks to the sockets. If you have a perfect set of sockets of all different sizes, then repairing the car will not be a mammoth task. You just need to examine the nuts and bolts and accordingly pick one socket, that’s it! For more ease, use a ratchet that matches your sockets.

4. A wrench set can get your job done:

Wrench sets come into two variations, the first one is the metric wrench, and the other is the standard wrench. The metric wrenches are perfect for doing all the essential maintenance work. The standard wrenches capitalize on the situation by fixing the issues that cannot be addressed using the metric wrenches. It is preferable to use electronic or cordless impact guns for better utility. Automatic impact wrenches reduce the mechanical effort hence saving energy and time.

5. Don’t forget to buy an ideal insurance plan:

For long-term benefits, investing in comprehensive car insurance is necessary for your car. To make the entire process of comparing and buying insurances easier, you can buy online car insurance that fits your requirements.

The above set of tools should always be part of your car’s maintenance regime. With the help of these tools, you can perform many simple maintenance tasks yourself and quickly repair your car.

Want To Know About The Best Online Car Insurance? Get In Touch Today To Get Affordable Online Car Insurance.

Fear is a powerful emotion that affects us in different ways. We all have been in a situation where we feel our heart racing, body sweating, and sometimes, even zoned out when anxiety starts kicking in. Unfortunately, many people ignore anxiety because it is not a “physical” illness. However, severe anxiety can impact a person’s ability to perform day-to-day tasks in the long run.

Diminutive yet powerful lifestyle changes can help in effective anxiety management. Many experts and professionals recommend a lifestyle-changing approach to tackle anxiety. In this space, we will focus on some of the best lifestyle changes to give you relief from the constant anxious feeling.

1. The shift towards a healthy diet:
Your brain needs sufficient nutrients to function properly. Lack of a healthy diet or nutrients can affect neurotransmitter production, triggering your anxiety symptoms. Therefore, switch to healthy food, including vegetables, protein, calcium, and vitamins. Furthermore, quit too many sweets and stay away from caffeine. Studies reveal that too much caffeine can trigger anxiety and worsen the symptoms.

2. Get involved in physical activities:
Professionals reveal that even a few minutes of exercise or physical activity a day can relieve anxiety symptoms and elevate your mood by releasing serotonin and endorphins in your brain. You don’t necessarily need to join a gym. You can start by taking a short walk, jogging, yoga, or basic exercises at home. In addition, you can also practice breathing exercises and sports activities, including swimming, dancing, or more.

3. Get sufficient sleep:
The importance of adequate sleep is well-known, and it indirectly impacts your mental health. An adult needs at least eight hours of daily sleep for healthy brain functioning. Contrarily, lack of sleep can affect your mood and trigger your anxiety.

4. Avoid or limit your alcohol intake:
Many people rely on alcohol to feel better. While it may please you in the heat of the moment, the after-effects of alcohol can aggravate your symptoms, making you highly vulnerable. Sometimes, “just a drink” can make you feel on edge the next day and disturb your sleeping cycle. If possible, stay away from alcohol, or limit your intake.

5. Keep an eye on your thoughts and emotions:
Feeling helpless, self-doubting, or having a negative attitude can impact the production of neurotransmitters in your body. Constantly indulging in negative thoughts and emotions can worsen your anxiety and even make you depressed. It also affects your immune system, making it worse for your physical health and inviting unwanted illness.

6. Don’t isolate yourself:
Being social can make you feel less lonely and elevate your mood, leading to a better social life. Keeping in regular touch with your friends, family, and loved ones will help you deal with anxiety as they can offer support and realistic approaches to managing your stress. Anxiety can sometimes make you withdraw socially, so try socializing with your friends, join a group or classes that you enjoy, sign up for a volunteering project, and more.

Anxiety can shake up your world inside out. When it starts making you physically weak, immediately contact your doctor to diagnose any physical conditions you are suffering from. The last two years have already been a stressful ride for all of us, and you don’t want to burden yourself with hefty medical bills. Therefore, having online health insurance can ease your pocket and give a sigh of relief. On your way to ensure your well-being, health insurance protection can help to go the extra mile.

Click HERE to get the best deals on online 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.

After your home, automobiles are probably the second most valuable assets you possess. Automobiles are machines, and they'll undergo wear and tear with time, demanding a proper service at regular intervals.

It's only natural that you'd want to locate a mechanic who would adequately care for your car while keeping your best interests in mind. Here as we are talking about maintenance and safety features of your vehicle, so doubly ensure by dealing with only experienced mechanic or repair workshops.

There are hundreds of mechanics available in your vicinity, and making the right choice isn't always straightforward. So, let's have a look at some questions to ask when selecting a mechanic to ensure you receive the most satisfactory job for your vehicle.

Is the mechanic certified? Car manufacturers or other reputed training institutes certify some technicians to work on specific types of vehicles. If a technician gets a proper certification, it implies they've completed necessary exams and are knowledgeable about the various brands of cars. Therefore, it's always best to go for certified mechanics as you won't agree to hand over your priceless possession to an amateur person.

What is mechanic's reputation in the market? Make sure to look over the mechanic's reputation. Find out how good their service is by checking their website or any other trusted online forum for reviews. Also, ask around your petrolhead friends for inputs. A reputable mechanic will always give you better service than the competition.

What are their charges? Nobody wishes to pay an arm and a leg to get their automobile serviced. It might be challenging to locate a skilled mechanic who isn't overly expensive, but it is doable. Look for certified and self-employed mechanics who run their businesses since they are generally the most economical. If you have good car insurance coverage, it will be easier for you to pay the fees of a mechanic as most of the excellent insurance coverages offer an add-on for car servicing and repairs.

What guarantee do they offer on the repaired parts? Although many technicians provide a guarantee or warranty on their services, some do not. If possible, choose a mechanic that gives a warranty; otherwise, you will face difficulty if the problem reappears.

How convenient is to reach the garage from your place? Having a mechanic close to your workplace or home is both handy and cost-effective. It helps you save money by removing the need to travel long distances and makes it easier to monitor the progress of the repairs. You may also swiftly return to the workshop for any extra service, if necessary.

Are they good at communicating? Speak with potential mechanics and observe their approach when dealing with you. If they have time to sit down with you and explain things or go over what's wrong with your automobile, there's a good likelihood they'll take the necessary time while servicing it. If they don't have time to talk with you, on the other hand, there's a strong possibility they'll speed through the work and overlook minor things that can have significant consequences later.

Final thought: A skilled mechanic will play an essential part in keeping your automobile in good working condition and serving you for an extended period. As you look for the perfect mechanic for your car, don't forget to pair it with reliable car insurance to help you cover your repairing cost at the garage.

Click HERE to know about the best car insurance coverages…

Life is full of turns and twists, making it thrilling and happening, but every turn comes with a different experience that can sometimes set you back. No one can predict what the future holds, but we can secure it.

Under the umbrella of the General Insurance sector in India, several insurance plans protect our assets from all aspects of unexpected risks. These plans provide us with a financial cover for valuable assets like a car, motorbike, house, etc., against an economic loss caused by unforeseen events like accidents, theft, burglary, natural calamities, etc.

We will see the preliminaries one should know about General Insurance and why one should choose it.

Why do you need General Insurance? Your priority is your safety, followed by the avoidance of any mess. But at times, you may experience unexpected losses that you are entirely unaware of. In such cases, insurance is your best friend. A good coverage plan from a reputed general insurance company can act as your assistant in covering economic losses which otherwise would be heavy on your pockets.

Advantages of having general insurance:

• In the event of an emergency, insurance will be your financial protection. It will repay you for the losses and expenses you had and keep the load off your wallet.

• Some insurance policies are mandatory by law. E.g., in India, a motor insurance policy is mandated under the Motor Vehicles Act of 1988. When you purchase such policies, you fulfil a legal responsibility by avoiding violations.

• Tax advantages are available with health insurance policies, which are a form of general insurance plan. Premium paid for such schemes are deductible under Section 80D. Such a type of deduction reduces taxable income, lessens your burden, and allows you to reserve some money.

Types of General Insurance in India:

1. Health Insurance: Health insurance plans provide you with a double bonanza by securing your health and wealth at the same time. It covers all the medical expenditures incurred during accidents, illness, or injury, including hospitalisation fees, doctor consultation fees, or medicines costs. One can pay it monthly or annually, depending on their convenience.

2. Motor Insurance: Motor insurance coverage financially secures your vehicles from any potential risks. The policyholder's two-wheeler or car is subjected to compensation against damages caused by accidents or any other dangers.

3. Property Insurance: Property insurance can protect your property against any risks or damages to it, such as theft, burglary/housebreaking, fire or damages due to natural calamities.

4. Travel Insurance: Travel insurance provides you with compensation for financial losses due to flight cancellation, trip interruption, delays, baggage loss, or any mishap during your trip.

Required document while buying General Insurance:

- Proposal form of the policy

- Identity card, Age proof, and Address proof

- Passport size photographs

- Documents of the assets that are to be covered

- Other supportive documents that the company may ask

When should I buy insurance? The answer, in most cases, will be a resounding "now". It protects your life, family or assets for a specified period, as long you pay timely premiums. So whether you are an unshakable optimist, a thorough planner, or someone who prefers to go with the flow, obtaining an insurance policy from a trusted general insurance company provides you risk cover and precious peace of mind.

So if you don't have the best insurance plans already, HERE is what you need to know…

The insurance industry in our country is experiencing an IT revolution. It is gaining a competitive edge in innovation and advancements in technology. The insurance companies have also adapted their business models to become more relevant and approachable online to cater to their growing online customer base.

The new work-from-home culture and series of lockdowns are further fuelling the online process to a greater extent. Result of which, the economic advantages of digital transformation in India have been highly encouraging. More people are inclining towards getting insurance online for their vehicles insurance policies. As per the Finance Ministry and IRDAI, the Insurance sector is expected to grow by 40-50% in the next half a decade.

So how exactly is the digitization of the insurance sector helping you with your bike insurance online? Let us answer it here.

1. Quick and Easy buying process: The digitization of insurance purchases has made it easier and faster. Earlier, a lot of documentation was required to obtain two-wheeler insurance offline, including visits to the insurance company's branch offices. It is now possible to buy insurance entirely online, with no physical paperwork. The shift is unquestionably a beneficial one.

2. Reduced total policy premium: Several insurance companies offer bike insurance online, allowing clients to browse all their policies features. Because of this, fewer intermediaries, agents and other personnel influence get involved. The company also has to spend less on stationery and other office resources by skipping all expenses mentioned above. Therefore, the total operating costs for the insurance are reducible. That is why online bike insurances are generally offered at reasonable rates in comparison to offline purchases.

3. The option of comparing different policies instantaneously: Today, all insurance firms display the features, premium amount, and T and C (terms and conditions) online. Therefore, the buyer can access these parameters of different companies all at once and compare multiple policies in one location, verify their requirements and make an intelligent choice. Thus, the role of mediators reduces, and the customers make a more informed decision.

4. Claim settlements made easier: Due to digitization, not only the process of acquiring bike insurance online got smoother, but also the process of settling a claim. It is now possible to register a claim immediately on the website. Fill in the incident's details and gather the relevant papers. One of the insurance inspectors will visit the accident scene and check the damage caused to the vehicle, and will prepare a claim estimate. The consumer can then track their claim status online by entering the claim number in the tracking window.

What impact will digitization have in the years to come? Digital technology is already influencing the purchasing habits of people. Insurance companies and agents will work seamlessly together in the future to provide better online customer support. In addition, insurtech solutions will be tested in a more controlled environment thanks to the new rules by the IRDAI. In the next five years, digitization will also help insurance reach India's semi-urban and rural segments.

Click HERE to get the best bike insurance online now.

Accidents can sometimes cause severe damages, disability and, in the worst-case scenario, even death. Situations like these can have an unfortunate effect on a person's financial stability. Unfortunately, no one can predict accidents but can protect or cover for such incidents.

Therefore, a sensible choice is to get personal accident insurance online at your convenience.

As the name suggests, personal accident insurance gives you cover from any mishaps that come your way unannounced. A personal accident policy is, however, much more beneficial than only covering for your losses.

Let us look further at the benefits you didn't know about personal accident policy.

1. Provides 100% sum insured:

No matter the cause, the nominee gets a 100% claim on the cover in case of accidents. If, unfortunately, the insured person dies in an accident, the kin of the policy can claim the entire coverage amount. Minor injuries like fractures, burns, stitches are also covered under the policy, depending on the inclusions.

2. No change in the premium:

Another benefit of this policy is that the cost of premium stays the same throughout time. It will neither increase nor decrease. Also, the policy provides renewable lifetime coverage.

3. The whole family can be covered in one policy:

A complete personal accident family insurance plan can cover an entire family from unfortunate circumstances under just one policy. All you ought to do is choose a policy that provides coverage for each family member of the policyholder's.

4. You don't require preliminary medical tests:

As accidents happen irrespective of a person's medical history or state, unlike any standard health insurance, personal accident insurance does not seek any previous medical tests for the policyholders.

5. It is even more affordable when purchased online:

As we all know, buying insurance online is a lot easier than offline. Major insurers recommend that these policies be purchased online and offer a lower premium that adds to the savings in some circumstances.

6. Daily cash allowance:

An excellent feature of a personal accident policy is setting up a daily allowance amount for the insured. If the victim needs to spend on hospital bills, regular check-ups or hospitalisation, they will not be out of cash.

One can never be too careful when it comes to inevitable situations. Likewise, the safety of yourself and your family can never be thorough. Even the most cautious person can be caught up in an accident and get hurt. Policies like personal accident insurance can save you a lot of inconvenience during trouble times.

While almost all insurance companies offer personal accident insurance coverage, it's less unlikely that your agent will share the importance of this policy with you. These are not very popular policies because of the low commission to the agents. So take some time out of your schedule and get personal accident insurance online.

To know more about online 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.

We all can debate if mental health is as crucial as physical health. Because of our stressful lifestyles, it is necessary to stay both mentally and physically fit. Nowadays, doctors, fitness and wellness experts recommend equal attention to a person's mental health, which seems reasonable.

Is mental illness covered in health insurance? Any person who is buying health insurance would have this query in mind. The answer is "yes". The IRDAI (Insurance Regulatory and Development Authority of India) has also made it mandatory for insurance companies to have policies with mental illness coverage. Every insurance company has to keep coverage for treating a mental illness in the same way they cover physical ailments.

We explain in this article how a health insurance policy can take care of financial emergencies arising out of any mental illness.

What are mental health and mental illness?

Characteristics such as psychological wellbeing, behaviour, emotions, cognition, and socialising make up a person's mental health. Each of these influences how we act, think, respond and feel. It also plays a role in our decision-making, interactions, and other functional activities. Mental illness refers to the situation when at least one of the characteristics mentioned above falls short in performing their role, and an imbalance occurs in a person's mind. It affects their thinking ability, decisions, behaviour, grasping, responses, memory, and the like.

Facts to know about mental illness coverage in health insurance.

Here are some factors you should know about mental illness and how it is covered in a health insurance policy:

- Just like any physical health insurance, mental health insurance covers your expenses of treatments, hospitalisation, medications, etc.

- Any person suffering from overthinking, moodiness, anxiousness, depression, loss of memory, coordination inability, and the rest is considered mentally ill and can opt for a mental health insurance policy

- Mental health insurance also gives you cashless services like comprehensive insurances

- Unfortunately, mental health insurance does not cover retardation

- The benefits and claim process may differ from one patient to another

- Illnesses resulting from the consumption of drugs or alcohol are excluded from the coverage

- It is more advisable to include mental health insurance in the initial stage with health insurance

Final thoughts:

As we lead a stressful lifestyle, investing in mental health insurance is undoubtedly a wise decision for every health insurance policyholder. We spend a lot of time discussing our physical wellness and weight loss plans, but not nearly enough about our mental wellbeing. Every third person you come across may be suffering from some kind of mental issue. Although there is still a taboo of mental illness being inferior and shameful, it is remarkable how IRDAI acknowledges this concern and makes it compulsory for insurance companies to cover mental disorders.

Though the policies have some exclusions and restrictions, it is only equitable for the insurance companies to provide you with the best available facilities even in emergency.

HAVE A LOOK AT VARIOUS HEALTH INSURANCE PLANS THAT WILL SAVE YOU MONEY. CLICK HERE…

In India, health care has become a major expense than ever before, with 15% annual inflation. Given the increase in lifestyle-related diseases in current times, long term health insurance is unquestionably the most cost-effective and viable choice.

Most people in their early 20s and 30s believe that they are healthy and nothing will happen to them ever. But a most concerning question flickers in our mind that as we grow old, "Is someone going to be our support system at the times when we will need them the most?" At this point, something like "Long-term Health insurance" kicks in.

Today, with higher awareness regarding health issues and well-being, a long term Health Insurance plan provides you hassle-free safety assurance. Consider these four questions to see the advantages of long-term health insurance and why should you buy it at an early age.

What is Long-Term Health Insurance?

Long-term Health insurance lasts for a long tenure, say about 2 to 3 years. Therefore, you can lock up your coverage for 2-3 long years rather than monthly or quarterly. It keeps the policyholder relieved from the medical expenses and acts as practical support against unannounced diseases.

Why should you consider and opt for Long-term Health insurance?

The most notable advantage for the policyholder is that you no longer have to renew your policy every year when you opt for a long-term insurance plan. Also, long term plans are likely to come with a discounted premium compared to other plans.

Who cannot take advantage of this plan?

Senior citizens cannot claim for this plan. Health insurance companies consider senior citizens at high risk. It is advisable to get long-term insurance during your younger and working days to secure your post-retirement life.

What are the other perks of long-term insurance?

Long-term health insurance provides more advantages over regular health insurance. Some of the benefits include –

1. You don't need to worry about renewals: The long-term policy helps avoid yearly renewals. Also, during the policy period, it covers unannounced diseases. It also provides a good discount on premiums in comparison to short-term policy plans.

2. An excellent tax waiver: Long-term insurance plans not only give you a shield for health but are also crucial for tax saving. If you get a health insurance plan for yourself or your family members, you can avail a tax exemption under Income Tax Act, section 80D.

3. Chance to cover pre-existing health issues: While many insurance firms do not cover the pre-existing diseases or health issues under the short-term policy, the long term insurance can provide you a solution here. The cost of the premium may vary depending upon the age of the policyholder.

Lastly, look at the different plans available and buy a 

health insurance plan

 which is the best fit for your needs. Medical expenses can drain a lot of money, but long-term health insurance can reduce the financial burden. Long-term health insurance is undoubtedly one of the best solutions to health expenses in the future.

Do You Consider Health As A Priority? Then Click Here To Know The Best Long-Term Health Insurance Plan For You.

Skills like swimming, playing body-accelerating sports, and riding a cycle on their own are must-have skills for any kid entering their teen years. Although kids learn the most skills independently, they still require an instructor or parents to help them master many skills. And that is a brilliant opportunity for a parent to grab and spend quality time teaching them while also having fun.

Teaching a child how to ride cycle is a no-brainer for a parent, but implementing the following tips can smoothen the process, and your child will learn to cycle in no time.

1. Find a grassy location:
Although most people might look for a spot where the surface is smooth, it is crucial to know that smooth flooring can result in faster acceleration even without the child’s efforts, and the cycle might move at high speed. So, always look for a grassy surface; even if your child accidentally falls from the bike, the impact might not be severe.

2. Avoid holding their cycle all the time:
Usually, parents or any instructor teaching a child how to cycle, hold it from the back for support and balance. Although it can give the child a good head start, gradually, it can become a practice, and the child might look for your support now and then. Hence, slowly get rid of giving them balance and start over again if they lose balance.

3. Lower the cycle’s seat:
A cycle sold for kids comes with training wheels and a high lifted seat, but it isn’t going to help in any way for a child to learn how to cycle. Instead, lowering the seat reduces the child’s fear of falling from height and allows their feet to touch the ground directly.

4. Tell your child to look forward:
It is natural for a child to look at their feet when cycling to ensure that they are not missing a leg while pedalling. However, your child should know what is ahead of them to avoid collisions with obstacles. You can talk it out in their language, like telling them that you do not look at the remote but the screen when playing video games. Similarly, they should not look at the feet but the direction they are riding.

5. Teach kangaroo hops for balance:
Although kangaroo hops are done without using a cycle, these can be an efficient way to increase their balance while riding. For example, get your child seated on their bike and tell them to start giving movements with their feet touching the ground, similar to kangaroo hops.

6. Proceed with pedalling:
Once your child successfully learns to balance a cycle, they are almost there. A little push on teaching the technicalities of pedals to move the cycle can instantly get them to master the skill. Then, slowly, tell them to press one pedal after another and practice it for a while.

7. How to apply the brakes:
After pedalling, the only thing that your child needs to learn is stopping the cycle on their own. Have them ride around you for a while and instruct them on using brakes when necessary.

As a parent, you should also be aware of unfortunate events that might result in injuries during the process. But, despite numerous falls and failures, don’t stop your child from pushing themselves.

Let them grind, make them feel the urge to struggle, and motivate them to rise again and try with the same vigour. Never deprive or restrict your child from taking on adventures, trying new activities, and imbibing unique experiences due to the fear of getting injured. Instead, invest in personal accident insurance online and contribute to your child’s growth years with the layer of protection.

Click HERE to know more about the 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.

Not many people are familiar with the term cooling-off period in health insurance. So let us take a quick look at what it means and how it affects you during Covid time.

The cooling-off period, also known as the waiting period in health insurance, is the time during which you are not eligible for claiming particular benefits of any insurance policy. This period lasts from about a few weeks to even months.

Recently, many insurance companies are initiating coverage for covid-19 related treatment, however, there is a “cooling-off” period for patients recovering from covid-19 and buying health insurance. Since some people may be asymptomatic and can later be diagnosed with the coronavirus, there is a waiting time of over three months before signing up for health insurance.

Why are companies choosing to opt for the cooling-off period?

- First, there is still not a completely accurate test for detection of the virus, and there have been cases where a contacted person tested negative and vice versa

- The after-effects are still unclear and give rise to complications to create a specific policy for the recovered/suffering patients

- The cooling-off period gives an adequate amount of time to assess a customer’s proper health, hence leaving time for an appropriate judgment for the insurance company

- It buys the company enough time to make preparations for all kinds of emergency services. But, of course, this impacts the policy’s claim in case of difficult situations

Can we avoid the cooling-off period?

You can try and avoid the cooling-off period with the help of the following instructions:

- You can purchase health insurance before the coronavirus infects you. This will help you enjoy the exclusive benefits of your health cover without any hindrance due to the cooling-off period

- Be sure to check all the terms and conditions while purchasing health insurance cover for Covid

- Do not keep any information that can later cause trouble in claiming the benefits

- Keep your health insurance policy up-to-date and renew it from time to time

To sum it up, getting a health insurance coverage policy and drawing the benefits of the cooling-off period before the coronavirus affects you is of great importance. To stay off from any troubles when claiming the benefits of your insurance cover, we suggest purchasing health insurance right at the time when you are healthy and show no signs of Covid.

Insurance companies presently offer various promising online health insurance plans. Looking at the current scenario, purchasing online health insurance might be the best option. People try to avoid visiting places and contact others, and being online just saves you from doing so.

Look for a suitable policy right away and secure your own and your family’s health to avoid a cooling-off period. Always disclose all the essential health information when buying the policy so that you can prevent any rejection of the claim later on.

TO KNOW THE ADVANTAGES AND FEATURES OF A SUITABLE HEALTH INSURANCE PLAN FOR YOU, CLICK HERE…

With all types of car insurance available out there, which one should you go for? Many vehicle owners get confused by unfamiliar terms and calculations. Buying car insurance is undoubtedly necessary as it protects you from financial trouble. However, selecting it based on lower premiums and skipping other important features about car insurance may not be a good option; if you don't know some lesser-known yet important facts.

So to help you with decision-making for the best car insurance or car insurance renewal, here are seven things you should know about car insurance.

1. Factors that determine your premium:

Although every insurance company applies its own formula for calculating premiums, there are some basic factors used by all of them. The list includes the model, engine, type of your car, current condition of the vehicle, Insured Declared Value (IDV), your age and marital status, etc. This information helps the insurer to evaluate risk and computing the premium for your car insurance.

2. You can save on your insurance premium:

Yes! You heard it right. And this might get you a considerable discount on the insurance premium that you have to pay. You may be eligible for discounts if you have anti-theft devices installed, buying insurance online, or applying for multi-year coverage, among others. There are several ways to lower your insurance premium. Double check with the insurance company on discounts available to you or when to use your no claim bonus.

3. Zero depreciation on damage:

When you make a claim, your car insurance company subtracts the depreciation costs from the cost of the components even before the determination of the claim amount. If your policy includes a zero depreciation cover, your insurer reimburses you for the cost of the components, including depreciation. Purchasing a zero-depreciation policy would raise your premium slightly, but the added coverage is well worth it.

4. Get rewarded in the form of No-Claim Bonus:

Did you know that you are eligible for rewards in the form of bonuses for not using your insurance? For example, insurance companies will offer you a No-Claim Bonus if you do not file a claim during the policy period. It's a premium discount that works as an incentive for improved driving and prevents individuals from claiming tiny amounts.

5. Insurance is transferable:

If you're the second owner of a car and the vehicle's insurance is in the first owner's name, you need not buy a new one. All insurance companies offer car insurance renewal and transfer of insurance to the second owner. All you need to do is to provide the transfer forms with the relevant document to the insurance company, and it's done.

6. The insurer can cancel your insurance:

If you break one or more of your policy's rules during the policy period, your insurance provider has the right to cancel your coverage at any time. The same is true for non-renewal. Failure to pay your premium on time, losing your driver's license due to suspension or revocation, filing too many at-fault claims, or lying about your driving history or prior insurance claims might be grounds for cancellation or non-renewal.

7. All insurers have different premiums:

While the insurance regulation sets the prices for third-party liability insurance, the premiums for all other types of coverage vary between insurers. Therefore, before settling on a vehicle insurance cover, always compare among the available options.

Always make an informed choice about where to cut corners on your insurance features and where no to. Also, remember to choose an insurance company with a good rating and high claim settlement record.

WANT TO KNOW ABOUT THE BEST CAR INSURANCE RENEWAL PLAN FOR YOUR VEHICLE. CLICK HERE…

In this fast-moving world, the importance of fitness is rising every day. Everyone has their reasons to join the gym. While some do it for fitness, others While some do it for fitness, others for unwinding and relaxing. However, lifting those heavy weights and doing a cumbersome workout can invite gym injuries and pull you down tremendously.

In this blog, we have listed down the best ways to protect your physical well-being and ensure that you do not land up hurting yourself while working out in the gym.

1. Starting with warm-ups:
Diving right into your workout without any warm-up can indeed be an invitation to injuries. Remember, cold muscles are more prone to injuries. Before you start working out, you must spend 10-15 minutes doing some dynamic stretching.

2. Understand your abilities:
Just because someone is lifting heavy weights doesn’t mean that you can do the same. Following others can give you severe injuries that might affect you in the long run. Be realistic with what you are doing, and do not try to lift something out of your abilities. Therefore, estimate your threshold and consider the progressive overload.

3. Perform with proper technique:
Before performing any exercise, make sure you know how it is done and which muscle group it is targeting. If possible, ask your trainer to guide you and focus on your progress before lifting weights.

4. Have an instructor:
You can find a load of information on the internet, but sometimes it may or may not be accurate. In this case, you must have a personal instructor that guides you through your fitness journey and trains you about the exercises to be done correctly.

5. Consume plenty of water:
While you work out, you sweat a lot and lose plenty of water and electrolytes from your body. Keeping yourself hydrated throughout the gym workout will help you avoid muscle cramps.

6. Have a balanced diet:
An average person requires 0.8 to 1 gram of protein per body weight daily to have smooth body functioning. A person who works out needs 1 gram to 2.2 grams of protein per bodyweight to repair the torn muscle fibres in the next 72 hours. Ensure that you are consuming the right amount of protein for your recovery.

7. Do not ignore what your body says:
Do not overdo any exercise even when your body is not in that state to do it. Listen to what your body says and stop when you cannot go further. Overtraining can result in you getting injured rather than getting fit.

8. Take your rest days seriously:
While pursuing your fitness goals, you put your body through a tremendous amount of pressure. Your body demands rest for a day or so to repair the muscles that have been exhausted.

9. Consider health insurance:
A gym is where you build your physique. The journey of becoming fit will never be easy. Several accidents or injuries might come your way. Accidents are inevitable, so consider glazing over some personal accident insurance plans for your safety. These plans are great relievers during difficult times due to the benefits that they come with.

No one likes lying in pain for days and missing out on essential tasks due to an injury. Following these tips can help you eliminate these injuries and have a safe gym experience! Even if you get tired, you should never skip your workout routine. Take every hurdle as a motivation to rise again and chase your goal. Always stay inclined to what you want to achieve and let your determination define your success.

Click HERE to browse through the personal accident insurance plans for improved safety.

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.

People suffer from obesity disorder worldwide because of their hectic lifestyle and inactive fitness routine. Obesity is nothing but the accumulation of excess fats in the body that negatively impacts a person's health. Factors like genetics, overeating, no physical movement, psychological factors, and side effects lead to the cause of obesity.

Being obese puts you at a greater risk of developing potentially severe health problems, including – diabetes, heart disease, stroke, breathing disorders, fatty liver disease, and lot more.

You might be aware that obese people are more likely to pay a higher insurance premium than other healthy policyholders. This is because obese people are prone to illness and are likely to make more claims than normal policyholders.

But obesity can be brought under control with the help of dieting, daily exercise, weight loss, and many other disciplines in our everyday routine.

In this article, we give you some handy tips that are useful to control obesity.

How to know if you are obese? If your Body Mass Index (BMI), which is commonly used to determine obesity, turns out to be higher than or equal to 30, it classifies you as an obese person.

There is a thin line between being overweight and obese; if your BMI measures between 25 to 29, you are overweight and not obese. Therefore, the formula to calculate Body Mass Index is the weight (kg) divided by Sq. of height (m).

Practical health tips to control obesity.

Here are five tips weight-loss experts recommend to assist in keeping obesity under control.

1. Personalized diet plans:

You must have read a lot that a few minutes of daily exercise are the key to controlling your weight. But, cutting calories and reducing junk food intake is better than increasing your exercise time to achieve weight loss. Overeating and consumption of more calories than needed is one of the primary reasons that cause obesity. Customize your diet plan to ensure calorie intake and the proper nutrients that your body demands.

2. Exercise can help you to stay fit:

Daily exercise and fitness schedule is vital for controlling your weight, and physically inactive people are more likely to gain extra kilos. If you are already maintaining a healthy diet, plan a perfect workout routine or join a gym. Regular exercising helps you burn calories and lose fats.

3. Set up a strong will for an active routine:

You have to work harder than many other people – possibly for a long time if you are overweight. For instance, taking the stairs instead of the elevator will make a significant difference. By changing your detrimental habits, you will cultivate an active and fit lifestyle. Remember, losing weight requires patience and discipline, which does not occur overnight.

4. Eat more healthy snacks between main meals:

You read it right, eat more – just not at your mealtimes. Diet experts recommend keeping many healthy snacks like sunflower seeds, almonds, whole wheat crackers, sliced apples, and other fruits and eating small portions every couple of hours. If you wait until you're starving, you generally tend to eat more.

5. Maintaining a sleep hygiene:

The importance of good sleep in overall well-being cannot be ignored. It works wonders for your goal of preventing obesity, too. There are studies confirming that people who get too little sleep have a greater risk of weight gain and obesity than people who practice seven to eight hours of sleep per day. Sleep hygiene includes a proper sleep schedule and a bedtime routine like reading or listening to some good music.

Obesity, if it gets serious, can take a toll on your pocket. Although there are no policies especially for obesity yet, insurance companies protect obesity in exchange for higher premiums. Therefore, it is always advisable to secure your health insurance at an early stage of life to save you from that extra premium.

TO KNOW ABOUT THE HEALTH INSURANCE THAT GIVES THE BEST BENEFITS, CLICK HER

There could be no greater pleasure in the world than becoming a parent, but we have heard tales of how being a mom is no picnic. Motherhood is stressful despite all the help provided to you. After all, there can never be enough assistance for a mom. Especially for new mothers, mom-stuff can be overwhelming and chaotic. And in the case of working women, situations can get more complicated and out of hand in no time. One unique option to reduce the load of stress and anxiety from your schedule is to adopt minimalism.

If you are new to the idea of the minimalist lifestyle, let us take you through the concept briefly.

What exactly is a minimalist lifestyle?
Minimalism is a method of living that focuses on reducing waste and concentrate on what genuinely matters. This involves reflecting on what is most important to you as an individual and focusing on those things only.

Why shifting to a minimalist lifestyle is crucial for moms?

• You will have less stress. When you start reducing clutter, you permit yourself to spend your time and attention on only the most important stuff.

• Raising responsible kids. Kids may be considerably more independent when there isn’t as much for organising toys and belongings.

• Never caught up in tidying the home. Naturally, if your kids have access to fewer things, you will have only minor things to clear out.

• Cleaning requires less time than usual. With fewer items and goods, cleaning doesn’t keep you engaged throughout the day.

• More savings. Once you follow minimalism and minimize your buying habits, you can save substantially. Meaning you can invest in worthy things that make your life more comfortable.

• Me-time. You can finally afford to look after yourself and spend quality time doing things that keep you happy. This is crucial for embracing your well-being.

• Quality time with the kids. Spending time with kids apart from games is equally necessary for every parent. Cherish the moments you have always dreamt of, like first steps, words, and the feelings they express through their actions.

• Having a peaceful environment for the children. Too many activities can distract your children and prevent them from developing their own thoughts.

• Less room for distractions. In this way, there is enough time for you to catch up on hobbies and interests you have been neglecting.

Exploring minimalism with children might be challenging at first. You will require time to get accustomed to it. It starts when you begin to analyse your values and find what you may or may not need in your life. But as you grow into it, the advantages and impacts on your state of being are miraculous. Every mother in the world has things to deal with which one can never figure out, and we believe every mother deserves peace in her daily routine.

As you are inspired right now to take up a new pattern of consciousness, let investing in general insurance be your next step towards it. Including minimalism in making crucial decisions like taking care of your and your family’s health, covering for accidents, protecting your home against natural calamities and managing your finances can improve the quality of your life. General insurance can be your key to a stress-free life!

To look for general insurance 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.

The Covid-19 pandemic shook the world's medical infrastructure from the ground. As a result, the cost of medical services and its subsequent operations is now more than ever. With the huge inflation in the expenses of medical bills, investing in health insurance coverage is no longer an option but a necessity.

To live carefree in these uncertain times without worrying about medical expenses, a trustworthy health insurance cover for every family is a must. And, if you're someone who is already holding a health insurance policy, you should be familiar with the claim settlement process as well.

In this space, we help you to understand steps to claim your health insurance policy so that in the future, if need be, you're prepared beforehand.

There are mainly two types of claim settlements.

1. Cashless settlement:

The cashless claim facility relieves you of concern during a medical emergency when receiving treatment at any of the networked hospitals. According to the policy features, the health insurance company will pay the hospital bills directly. Therefore, it frees you of the burden of making direct financial payments to the hospital.

Steps to claim a cashless facility:

• Select a hospital from the list of network hospitals provided by the insurance company

• Then, notify the third-party administrator (TPA) and provide them with your membership number

• At the hospital, fill out a cashless request form. However, remember that a valid certification by a doctor with proper stamps and signatures is a must

• Next, mail the form along with the medical records physically or digitally to TPA

• TPA will then inspect all the documents submitted by you, and if the settlement is approved, the charges will be paid by the insurance company directly to the hospital

If in case of disapproval, you should apply for reimbursement. We cover this in the following category of claim settling.

2. Reimbursement settlement:

If you choose a non-network hospital for treatment, you must first pay the medical expenditures out of pocket. Then, following the submission of relevant papers, the health insurance company will reimburse the charges according to the terms and conditions of the policy.

Steps to claim the reimbursement facility:

• Contact your health insurance provider using the toll-free number and give them your membership number

• Settle all your medical bills with the hospital

• Then, download and complete the reimbursement form that is available on the health insurance company's website

• When requesting reimbursement, attach the downloaded form, include the invoices, medical bills along with reports, discharge summary, and any other relevant papers

• Then, submit everything to the claim office in your vicinity. You can even digitally mail the documents to the insurance company

• After the approval of your claim, a cheque will be sent to your registered bank account by the insurance company. The whole procedure takes 20-30 working days from the day all papers are presented

Additional tips to speed up your claim settlements:

• Fill the reimbursement form correctly. Make sure all of the medical records and subsequent documents have stamps and signatures of the concerned authority

• Register for a claim as soon as possible after admission to the hospital

• Take regular updates from the insurance company after the submission of all the documents

• Always go for cashless claims whenever possible

TO KNOW ABOUT THE BEST HEALTH INSURANCE POLICY IN THE MARKET, CLICK HERE…

Does the depreciation value of your car scare you? Do you feel that you will have to empty your pockets for your car's damages once it gets old? Now, there is a one-stop solution for these queries – a zero depreciation policy. In a zero depreciation policy, the insurance company covers the expenses of physical damage caused to the vehicle in the unfortunate event of an accident without considering any kind of depreciation.

Vehicles are naturally depreciating assets, meaning, with every new car, there will only be a devaluation in the price over time. The parts like mirrors, metal, rubber, plastic and other car accessories are subjected to depreciation.

Zero depreciation car insurance vs regular car insurance:

Let us quickly compare the benefits of zero depreciation insurance to regular insurance.

Premium: The premium cost payable for zero depreciation insurance is slightly higher than that of regular car insurance. The depreciation policy premium varies with attributes like your address, the model, and your car's age.

Claim settlement value: In zero depreciation cover, the claim settlement amount is higher since the calculation of depreciation is not done, whereas, in regular car insurance, the claim settlement amount is received with a deduction of depreciation.

Repairing amount: In zero depreciation insurance, the repairing cost of parts like rubber, glass, plastic is paid by the insurance company, whereas these costs are borne by the insurance holder in regular car insurance.

Usage duration of the car: This factor does not make a difference in zero depreciation insurance because any depreciation is considered nil. However, in regular insurance, the depreciation rate of your vehicle keeps increasing day-to-day.

Benefits of a zero depreciation insurance: Let us now understand the benefits of zero depreciation insurance.

Easy claim: It ensures the timely and straightforward settlement of all expenses providing the insured with easy claim settlement.

Covers all expenses: The insurance company gives you total coverage of the costs that are heavy on your pocket, as well as any other miscellaneous charges during the time of settlement.

Profit while claiming: Zero depreciation policy adds more value to the basic coverage at the time of claim, making your expenses amount almost nil, hence leaving you with a profit.

Assurance: Since the vehicle has a zero depreciation insurance cover, so you have the satisfaction of being safe under a protective layer of the insurance policy.

What is not a part of a zero depreciation policy? Following are the factors that will restrict your complete claim on the advantages of a zero depreciation car insurance policy.

No driver's license: If the driver or owner of the vehicle does not have a valid driver's license, they are not eligible to claim the benefits of this policy.

Drunk driving: Immediate rejection of claim benefits happens if the driver happens to be under the influence of alcohol or any other intoxication.

Maintenance of engine oil: Unfortunately, this policy does not cover your regular maintenance such as engine oil, coolants, etc.

Compulsory deductibles: Compulsory deductible is a mandatory amount set by the IRDAI depending on the engine capacity of a vehicle. This amount is not a part of the zero depreciation policy.

For cars more than five years old: If the insured vehicle is aged more than five years, it cannot opt for a zero depreciation policy.

Mechanical expenses: Occasional breakdowns and arbitrary wear and tear of the vehicle will not be covered in the policy.

To sum it up, zero depreciation benefits a wide array of car owners considering the cost-effective claim settlement and boosting their regular insurance plans in the form of a worthy add-on.

GET TO KNOW MORE ABOUT THE BEST CAR INSURANCE PLANS ONLINE BY CLICKING HERE…

Did you know that you only need the unique registration number of your vehicle to get the details of your bike insurance online? In this article, we'll provide you with all the information on the registration number.

When you buy a bike insurance policy, details of it get linked with your bike's registration number. Therefore, you can quickly check the information of your bike insurance through your bike's registration number.

As per the Insurance Regulatory and Development Authority of India (IRDAI), it is mandatory to carry insurance documents of the bike whenever you are on the road. If one fails to do so, there is a possibility that the claim settlement may be invalid in case of any mishap. Even though policy documents are essential papers, misplacing them is a pretty common occurrence among policyholders.

However, fret not! It is pretty simple to find the details of your insurance with the help of the registration number. Let's understand this here:

What is a Registration Number?

A bike registration number is a unique number issued by the Regional Transport Office (RTO) of your district. Every vehicle owner must obtain a registration number within 30 days of purchase of the vehicle.

The registration number is helpful to identify the owner of the vehicle in multiple scenarios. Apart from identification, the registration number is a must for a bike insurance policy, renewal of it, or insurance claim.

Your vehicle's registration number is displayed on a metal number plate and affixed at the front and back of the two-wheeler. The registration number has an accredited structure for different types of vehicles. Let's understand this further here.
Consider this, your vehicle is registered in Delhi and is granted the number DL 0X BX XXXX. The first two alphabets indicate the state code, and the next two digits are the unique district code. The following two alphabets are the current series of the RTO and the classification of vehicles. And, the last four digits are your vehicle's unique number.

How to derive two-wheeler insurance details by your vehicle's registration number?

When buying bike insurance online, the details of your policy are automatically synced with the registration number. RTO, Central, or State Government can use details for official purposes. You can enter your registration number on any of the following websites to get details on your bike insurance online:

● Official website of the Regional Transport Office RTO where the bike is registered

● Website of the state transport department

● Website of the Ministry of Road Transport and Highways (parivahan.gov.in)

● Website of the Insurance Information Bureau (ibb.gov.in) of the Insurance Regulatory and Development Authority of India (IRDAI)

Further, you can even renew your existing insurance policy using your two-wheeler's registration number. There is a facility for tracking the details of your policy online and renewing it before it expires.

The registration number links your vehicle directly to RTO's and Government's databases, so this stands out to be an advantage to maintain a record of your two-wheeler's insurance.

WANT TO KNOW ABOUT THE BEST BIKE INSURANCE ONLINE POLICY FOR YOUR VEHICLE? CLICK HERE…

Routine oil change ensures that your vehicle’s engine is in good shape. Moreover, it guarantees that the machine operates on high-quality motor oil thus improving its performance and the engine’s life. But which oil is suitable for vehicles - regular or synthetic?

Most people believe that oil does not make a significant difference in the performance of your car, but that isn’t the case. The type of oil used for your motor impacts its well-being and durability. So, to secure your car’s engine, be attentive to the requirements regarding its oil.

Let's quickly look at the aspects that differentiate these two types of oils before you pick a side.

What exactly is Regular oil?
Regular oil or conventional oil is a blend of crude oils and additives that meets the minimum requirements for engines and is commonly used in older or low-mileage vehicles. Depending on the manufacturer and pricing, these oils can range from mediocre to excellent grade.

What is Synthetic oil?
Synthetic motor oil combines high-quality additives that provide the finest engine protection. It can help with engine cleanliness, heat prevention, and engine endurance. It is usually suggested for all current and new-age automobiles due to its benefits of providing the highest engine protection.

How to determine which oil is better for your vehicle?
The ultimate way to choose which oil to go for is by reading your vehicle’s user manual, which states the correct oil for your motor. However, other minor factors contribute to decision-making, such as the age of the vehicle, usage, way of driving, and so on.

Advantages of Regular vs. Synthetic oil

1. Regular (Conventional) oil:
• The most obvious advantage of choosing conventional oil is that it won’t burn a hole in your pocket.
• It is readily available and a good choice for drivers and mechanics to get their hands on.
• Well suited for older motors.
• Many motor companies and mechanics advise using traditional oil for older vehicles and low-mileage vehicles.

2. Synthetic oil:
• Synthetic oil is composed of homogeneous molecules that reduce friction in the engine.
• Synthetic oil is also more refined, resulting in fewer deposits in the engine. It is purer and has fewer contaminants.
• It is improbable to break down and hence has higher durability.
• It lasts longer; thus, your motor won’t need frequent trips to the mechanic for an oil change.

The decision between conventional and synthetic motor oil depends on where and how your vehicle is used. Consult the owner’s handbook to ensure you’re using the recommended oil for your car. It will also inform you of the proper distance periods between oil changes.

You should timely replace your motor oil, whether you use regular or synthetic motor oil. Like the oil for your engine, investing in good motor insurance is always the right thing for your vehicle. Using motor insurance with limited features will not provide you complete protection to your car against financial emergencies during any breakdown. Therefore, make sure to browse through the options before purchasing the best one for your vehicle.

Are you looking for a suitable motor 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.

Bike riding by teens is becoming one of the most common sights nowadays. Many teenagers feel independence and pride as they no longer depend on their guardians to drive them to places. As a result, adolescents have the irresistible urge to flaunt their expensive bikes and lethal driving skills in front of their peers.

You will come across many road accidents reported on the news channels every day. According to research, a person travelling in a commercial plane is less likely to die than riding a motorcycle on Indian roads.

Unfortunately, minors don't take into consideration the consequences of mindless driving. Even some parents allow their kids to drive because they think the worst that could happen is receiving fines from traffic police. However, outcomes can be much severe. Also, your bike insurance won't help you in case of death due to underage driving.

In this article, we share five reasons why parents should not give in to children's demand for bikes.

1. Legal consequences:

The Motor Vehicles (Amendment) Act of 2019 states that the guardian or the vehicle owner shall be held liable for the infringement and shall be punished accordingly. Imposition of a fine of Rs. 25000 with three years of imprisonment will be made if your ward drives in an illegal driving age. The minor may have to go to court as well and face trials under the Juvenile Justice (Care and Protection of Children) Act resulting in the cancellation of the vehicle's registration.

2. They are not yet matured:

An individual needs to be cognitively mature to drive fast cars and bikes. For example, adolescents may feel the thrill of getting an adrenaline rush when riding a motorcycle at high speed. But, what they don't understand is that their brains are not yet mature enough to handle it.

3. Road accidents:

According to International research, the possibility of underage drivers being involved in a road accident is four times more than adult drivers. Road accidents are among the top causes of death and injury for people between the age of 16 to 20. Reasons are inexperience, distraction, poor driving judgment and decision making, alcohol consumption, and lack of adequate driving skills.

4. Financial drain:

Financial drain is not seen as a problem by many. But believe it, accidents can take a toll on your life savings. In some cases, insurance does not cover the cost of the damage or third party insurance. Plus, if the crash leads to any chronic health problems, then you will keep drowning in the hospitalization bills for the rest of your life.

5. Physiological trauma:

We often overlook the matters of mental health. But unfortunate events like this can be very traumatic. If you or your dear ones have been in an accident, you will likely have anxiety and panic attacks in the future. The memories of tragic accidents can cause mental health problems to the young, and the memories are enough to last you a lifetime.

Prepare yourself for your teen to take the wheel:

If you have a teenager in your family who will be of legal age to drive soon, distance your kids from any such bad experience. Being a good driver and role model, you can instil safe driving habits in your teen. For example, you can re-familiarize yourself with your vehicle's safety features and discourage phone use while driving.

Safe driving has an immediate payoff to you and your teenager by keeping accidents and violations off a teen's driving record.

TO KNOW MORE ABOUT THE DIFFERENT BIKE INSURANCE, CLICK HERE…

Whether you decide to buy 2 wheeler insurance online or otherwise, many myths and misconceptions are associated with it. It is important to have all the information about the insurance policy that addresses your requirements before buying two-wheeler insurance.

Having a two-wheeler insurance assures you to handle whatever the road throws at you, giving you peace of mind and letting you enjoy riding without a worry.

Please also remember that as per the Insurance Regulatory and Development Authority of India (IRDAI), every two-wheeler owner must buy a third-party liability insurance for the vehicle.

Here we bring five common misconceptions that often lead you to settle for something less worthy.

1. It is risky and complicated to buy 2 wheeler insurance online:

We agree that buying insurance online can be tricky sometimes. But, not if you purchase insurance from a recognized company that has a good market reputation. It is advisable to do some research on the company, check the credibility and Claim Settlement Ratio (CSR) before purchasing. It is easier to buy two-wheeler insurance online; all you need to do is log on to the insurance provider's website, fill in your and your vehicle's details, select your plan, and you will get a quote for the premium amount. Make the payment through the secure payment gateway provided by the company and receive your policy document online.

2. Third-Party liability cover is enough for insurance:

As mentioned earlier, third-party liability insurance is mandatory in India. However, it does not mean that having only third-party liability insurance is sufficient. It only covers the losses of the third party. Accidents can cost you much more than you can think. Therefore, it is advisable to go for a comprehensive plan. A comprehensive plan not only covers the third party but also the damages to your two-wheeler and your hospitalization costs in case of an accident.

3. The pillion rider is covered under insurance:

People often assume that the co-passengers get protection by the policy too. And it's one of the biggest misconceptions. In case of an accident where the pillion rider faces injuries, their hospitalization charges are rarely covered under insurance. However, there are many add-ons available for personal accident covers to resolve the issue of pillion riders.

4. You can cancel your insurance policy without any consequences:

To some extent, it is true. You can certainly cancel your policy, but some additional cancellation charges/fees apply to it. Also, note that it is illegal to ride a two-wheeler on Indian roads without an active and valid insurance policy.

5. Premium depends upon your credit score:

Many owners feel the need to maintain a good credit score to bring down the premium, which is not true. The credit score is not a criterion as there are many other factors like age, make and model, IDV, previous insurance records to determine the premium rate. So, even if you have a low credit score, you can still get a reasonable low premium.

It is advisable to research on your own before buying any policy. Steer clear of such misconceptions that lead you to make bad decisions.

WANT TO KNOW MORE ABOUT THE FEATURES OF 2 WHEELER INSURANCE ONLINE. CLICK HERE…

In residential complexes or workplaces, fire situations are severe risks to the safety of people and assets. Understanding fires and putting best preventive policies are crucial for the administrative unit of the buildings. Knowing the different fire classifications will make selecting the best fire solutions much easier.

Water, carbon dioxide, foam, vaporizing liquid, and dry powder are the six primary varieties of fire extinguishers available in India. Remember that not all fires are the same, and not an extinguisher can put off all types of fires; therefore, it’s critical to know about their classes. In this space, we'll take you through the types of fire and the correct type of extinguisher needed to tackle them.

1. Class A (General Fires):
These fires are caused by common flammable materials such as wood, plastics, textiles, paper, and rubbish used in homes, workplaces, enterprises, and industrial settings. Class A fire flames are less damaging and can be put out quite quickly.

How to put out class A fire: The best way is to use a water or foam fire extinguisher. You may simply use tap water to put out this type of fire since it removes the fire's heat source.

2. Class B (Liquid Fires):
Combustible liquids and gases such as gasoline, oil, kerosene, paints, and gases such as propane and methane are the most common sources of class B fire. Typically, these fires occur in industrial settings that deal with petroleum and gas products.

How to put out class B fire: You need to cut off the fire’s oxygen supply to prevent the fire from spreading rapidly. Carbon dioxide, Powder, and Foam based extinguishers work best to combat Class B fires.

3. Class C (Electric Fires):
The primary source for class C flames is electric components. Short circuits are frequently the cause. Industrial buildings with heavy electrical equipment that consumes a lot of electricity are prone to these hazards. They can occur in households and small businesses as well.

How to put out class C fire: Class C flames demand prompt power shutoff and the usage of non-conductive chemical fire extinguishers such as CO2-based. You can even opt for powder-based fire extinguishers.

4. Class D (Metal Fires):
Combustible metals such as aluminium, magnesium, potassium, and titanium are the principal source of Class D flames. The majority of Class D fires occur in laboratories. On the other hand, combustible metals are employed in various industrial manufacturing and production processes, which raises the risks of class D fires in those industrial premises.

How to put out class D fire: Powder-based extinguishers that absorb heat and suppress the flames are the most effective tools to put out the fire under this class.

5. Class K (Cooking Fires):
Class K fires are often confused with the class B fires. This is because they share the same fuel source, which is combustible liquids. However, class K fires are significantly distinct. These fires typically occur in kitchens during food preparation. Cooking ingredients such as cooking oils and vegetable/animal fats trigger and fuel the flames. Class K flames are deadly and may wreak havoc in a short amount of time. They are commonly seen in restaurants and houses but can occur anywhere there is cooking involved.

How to put out class K fire: foam-based, wet chemical extinguishers work best on class K fires.

Now that you completely understand the origins of all these different types of fires and how to put them off. You should determine which fire extinguisher to keep at your disposal at all times. And don't forget only to purchase an ISI-certified extinguisher.

As the famous saying goes, “hope for the best and prepare for the worst,” while you’re out there searching for the ideal extinguisher, protect yourself and your assets with general insurance. Get a general insurance online quote today and add value to your assets.

To get general insurance online quote, 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.

The Motor Vehicle Act of 1988 requires all vehicles to be insured by adequate insurance coverage before they are driven on the road. As the country advances digitally, it is more obvious now than ever to purchase insurance or get a car insurance renewal with just a few clicks online.

At the same time, the increasing number of insurance rejection cases has become a serious concern to both insurance companies and policyholders. Many policyholders fall victim to a riptide of errors by selecting the wrong car insurance giving them more headaches than benefits.

In this space, we will talk about some common mistakes that you can avoid while renewing your car insurance or getting a new one.

1. Don't forget to compare policies:

There is an array of companies that provide car insurance services, and each has its own features and benefits. Take the help of web tools to compare the regularly purchased policies in the market and choose the one that offers the best benefits for your vehicle.
And, it doesn't end there. Do more study and read the terms and conditions of the policy document. Consider all the hidden charges and provisions before you purchase it.

2. Showing your back to online insurances:

By not doing so, you will prevent any unnecessary payments such as fees of intermediary agents, paperwork, etc. Insurance firms are encouraging insurances at reduced prices to online consumers since they believe they are informed and cautious. The online method simplifies the customer's buying experience with multiple plans focusing on the requirements, efficiency and attractive pricing.
If you are looking for a convenient and user-friendly method of buying car insurance, online is always a good option.

3. Avoid opting for basic third-party insurance:

Many car owners decide to get car insurance just to comply with the government rules and hence simply end up purchasing third-party insurance to save money on the policy premium. But, unfortunately, these insurances only cover the third party's injury and not the policyholder or the vehicle.
Given the hefty repair costs or total loss, it is logical to get comprehensive vehicle insurance covering all hazards. Make sure you do not choose only "third-party insurance", as it will get you in more trouble than convenience.

4.Right choice of add-ons:

Adding the add-ons isn't all of it! Maintaining a proper add-on balance is essential to enjoy maximum benefits with a long-term perspective. Adding excessive add-ons will cost you a hefty premium, whereas not including any add-ons will result in inadequate coverage.
You should be sensible to leave the add-ons that are not serving your purpose. It helps save you a handful of money on an annual premium.

Here is the list of some of the add-ons that you must have:

● Zero Depreciation

● Road Side Assistance (RSA)

● Engine protection cover

5. Read the insurance documents carefully:

A vehicle insurance policy paperwork may appear to be exhausting and requires immense reading. Many automobile owners feel it irrelevant to read the entire document and thus ignore reading the policy papers. However, they are unaware of how necessary it is to verify specific things mentioned in the policy.

Even if you do not read it word by word, it is imperative to confirm the features promised by the insurer. This will go a long way toward avoiding issues during a claim.

Here are few of the details that are important to verify in any policy document:

● Policy holder's name and contact details

● Vehicle registration number

● Engine and chassis number

● Insured Declared Value (IDV) of your car

● Policy coverage

● No claim bonus

● Other T&Cs

Final Thoughts:

Be a responsible buyer and go into the depths of every insurance policy that you may deem fit for your valuable vehicle. Making quick decisions is worth it only if your decision is a smart one. Insurances are meant to provide financial security to your belongings, so you should avoid making blunders while buying them.

READ MORE ABOUT THE BEST CAR INSURANCE RENEWAL POLICIES ONLINE HERE…

Two-wheelers like scooters and motorcycles are the most commonly used vehicles due to their fuel efficiency and ease of use on congested roads and streets. As a result, the number of two-wheelers sold is several times that of cars. But, at the same time, more two-wheelers fall prey to numerous road accidents daily.

Two-wheeler owners must get their vehicles insured as it protects them financially against any accident. Unfortunately, people always assume that insurance is an expensive liability as it drains the money in premium and is rarely used. People fail to understand the importance of having insurance cover for those unfortunate events.

Whether you just have basic liability insurance or comprehensive coverage, it's important to ensure that you're getting the best deal possible. In this article, we bring seven strategies to reduce the premium of your two-wheeler insurance.

1. Compare policies:

Start by comparing different policies and their features. It makes sense to examine two or three companies, just in case, there is a better policy with lower prices out there. There are many policy comparing tools available online to help you estimate the insurance premium. You can also find multiple plans directly from the websites of reputed insurance companies that come with the best features and premiums.
But remember here, a lower premium doesn't always mean a good deal, and going with the lower-quoted company isn't always the sensible decision.

2. Add-on covers:

Add-on covers are great to increase coverage without buying multiple policies at a time. However, be wise with the add-ons you choose. You may not need all of them in a policy, withdraw unnecessary ones as they will only increase the premium. Read your policy document line by line and ask your insurer to remove anything you don't need.

3. Claim loyalty points from the existing company:

If you have bought your other insurances like health, home, travel, from a particular company, there are chances to get a loyalty discount coupon from the existing company. In addition, several insurance companies offer bonus points to loyal customers and support them with additional benefits for their future purchases.

4. Try negotiations:

There is no harm in asking for an additional discount. Companies with an aim to promote their policies often give in to such negotiations. So give it a try and test your luck. More often, you will succeed in bargaining.

5. Maintain a good driving record:

Many insurance companies look into your past driving records to determine the premium. If you drive safely and do not raise any claims during the policy period, you are rewarded with No-Claim Bonus points. Maintaining a good track record is key to getting a lower insurance premium. In addition, driving safely is always a good thing to secure you and others on the roads.

6. Pay a higher deductible:

In case of any mishaps, if a policyholder pays some amounts from the total repair cost during claim settlement, this is called deductible amount. The deductible is inversely proportional to the premium. Therefore, the 2 wheeler insurance premium lowers if you choose to pay a higher sum as deductible.

7. Additional discount to 32 to 60 years age group:

Companies offer more discounts to responsible drivers. People in the age group of 32 to 60 are considered responsible drivers. If you meet this age criteria, ask for a possible discount on your premium for the policy.

Auto insurance prices are likely to continue increasing in the future; however, you can apply many smart tips to reduce the sting. These 7 tips should help you cut-cost to a great extent on your premium.

TO KNOW MORE ABOUT COST-EFFECTIVE 2 WHEELER INSURANCE FOR YOUR VEHICLE, CLICK HERE…

Two-wheelers are always the easy moving, compact and sleek asset to glide through congested traffic and to move faster on the roads. Because of the ease of commuting and the low price compared to cars, they remain the first choice for the middle-income and young people.
If you are planning to buy a two-wheeler, you would say that a test drive of a few models is important. But practically, you should also read these six golden tips that help you make the right decision and save some money.

1. Purpose of purchase and requirements:

You should be clear with your objectives of buying a two-wheeler. Then, do proper research of the types, models, and other requirements, including the reviews of your shortlisted brands. Bikes are a versatile commodity, and they come in numerous shapes, sizes, types, and brands. You can use them for long rides, sports or racing, or as a day-to-day commute vehicle. Therefore, considering how and where you will use your two-wheeler is essential to finalise the model.

2. Set your budget:

Make sure that your dream two-wheeler suits your pockets too. Decide on a clear budget for your purchase and look for the bikes in that range. This helps you to narrow down the choices and the best fit. Remember that you will have to take care of maintenance, service and insurance of your bike as well.

3. Effortless handling:

Don't compromise your physical abilities and feasibility for some cool model of bike that you see. Choose the perfect height and the weight of the bike that you can handle conveniently. If you enjoy speedy rides, then you should opt for a sports bike. But if you are a family person, then sports bikes are not your category. Always give preference to high-performance and bikes with good mileage.

4. Maintenance and aftercare:

Make sure that the model or type of bike you choose has extensive and quality service centres. Wide network of service centres helps you to get your vehicle repaired easily. In addition, multiple brands offer free extended service options for a certain period that can save on maintenance cost. Also, keep in mind that regular servicing and good maintenance are necessary for the long life of your bike.

5. Customer reviews:

Customer reviews are crucial and can give you some genuine feedback about the two-wheeler you are considering. Thorough research of on-road reviews of users can further provide you with information about the two-wheeler, its attributes, real-time mileage, and many other aspects that a salesperson at the showroom might not tell you.

6. Purchasing insurance:

Your task doesn't end with just buying a bike. Bike insurance is essential and a must thing to be done. Insurance coverage for two-wheelers got mandatory after the Motor Vehicle Act in 1988. Adjust your budget according to your annual insurance premium. For safe and easy rides, secure your vehicle with bike insurance. You can also check bike insurance online for the best premium. Compare it all and choose the best fit for your bike and act smartly.
Lastly, make sure you compare across various brands and look through multiple dealers and the offers.

PURCHASING A NEW BIKE? CLICK HERE TO KNOW THE BEST ONLINE BIKE INSURANCE… 

Motorcycles are a motorhead's most prized belongings. While some people use them for transportation, others use them for enjoyment and sports. Owning a motorbike requires taking care of it and ensuring that it is not damaged. Even when navigating challenging terrain, a well-maintained bike will not let you down. However, ignoring your bike may result in unnecessary damages.

Keeping your motorbike in perfect condition is as significant as owning it. To help you with that, we've discussed five essential points to keep your motorbike in good working order.

1. Changing your bike’s engine oil at regular intervals:
Multiple mechanical pieces constantly move and rub against each other in your motorcycle's engine every day. To ensure their best functioning and to reduce friction, you must lubricate them with motor oil. Unfortunately, dust and particles thicken the oil with time, reducing its lubricating power. Changing your motorcycle's oil every 2500-3000 kilometres helps improve performance and safeguard the engine from harm caused by outside elements mixed in with the old oil.

2. Checking the drive chain:
The drive chain is an essential component of your motorbike, and neglecting it is a call to a shorter service span. Inspect your drive chain regularly and ensure that the chain tension is correct. Lubricate it, particularly while it's heated. This allows the oil to flow and get into all portions of the chain, making it smooth for functions.

3. Taking care of your tyres:
You simply can't get anywhere without the tyres of your bike. The big rips or cracks on the tyres can cause them to lose friction. Check if the tread depth is within the approved limit. Don't hesitate to change them if you believe they are no longer safe.
Also, check the air pressure of the tyres regularly. The proper air pressure reduces or eliminates the possibility of a puncture, enhances bike control, and extends the life of the tyres.

4. Looking after the filters:
When your bike's air filter is congested, the engine has to work harder. Experts recommend cleaning the air filter using compressed air. If you realize that cleaning the air filter is becoming tricky, it is time to replace it. You must also ensure that the gasoline filter is clean and that the fuel lines are free of corrosion and cracks. You must repair them right away if you see any damage.

5. Checking up on your brakes:
Check brake fluid levels at regular intervals to ensure your motorcycle's brakes are properly functioning. Replace the brake fluid according to the manufacturer's instructions. In addition, you should check the thickness of the brake pads and replace them when needed.

Give your time to work on the above tips to keep your bike operating smoothly. This will help your 2 wheeler survive longer while giving you a comfortable and trouble-free riding experience.

Also, don't delay taking your motorcycle for regular servicing. Although this will cost you a few bucks, if you think of a longer run, you'll only benefit from it. Insurance is another way to take care of your bike. You may purchase 2 wheeler insurance online and choose the one with an attractive premium and additional features to safeguard your vehicle against any mishaps.

Click HERE to explore all the 2 wheeler insurance online 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.

Are you buying a new car? If you're a teenager, or an adult, getting a car is always a great feeling. So, excited to get behind the wheels but haven't driven a car before? Don't let the fact of being naïve hold you down because you have to begin from a lower level.
We bring some essential tips that will help boost your learning process for becoming a good driver. But, before that, don't forget to safeguard your vehicle with car insurance. We recommend you get car insurance even before you start learning how to drive.
Here are six car driving tips that every new driver should follow:

1. Get comfortable in your vehicle –

Multitasking is required while driving a car, particularly with the legs. With your feet, you must manage the clutch, brake, and accelerator. Therefore, make sure that you're positioned comfortably in the driver's seat. You should be at ease while reaching these controls. Maintain good posture, adjust your seat sliders, and place yourself in such a position where you can see all of the mirrors.

2. Hold the steering wheel in the correct manner –

This small thing is going to make a huge difference in your learning process. There's a lot you can learn about steering handling. But we'll just use the thumb rule for now. Much like a clock, grip the driving wheel with your hands at 9 and 3 o'clock for good steering control.

3. Avoid distractions –

Because most people become worried when driving, it's important to avoid anything that may lead you to lose attention and become distracted. Therefore, put your phone away because it may cause disturbance throughout the driving. The same holds true for music; we advise against playing loud music while learning how to drive.

4. Start slowly and increase progressively –

Begin your learning at a slow and steady pace. Keep a close eye on your speed and get used to it. Increase your driving speed once you're comfortable at the current speed.

5. Drive with a right mind-set –

Driving requires a lot of focus as a novice to know when to push the clutch and which way to shift the gear. Your behaviour may impact and hinder your learning process if you're uptight or in a foul mood.

6. Drive-in all situations and with different vehicles –

Get off the familiar territory and explore new routes once you've learned the basics and are comfortable with your inputs. Again, don't go all-in on a congested city trip. Take things slowly, and don't be scared to experiment with different cars. This will help you in gaining self-assurance and achieving your objective more quickly.
To sum it all, the above tips will help you in becoming a good driver, but keep in mind that the road is full of unknowns. You must safeguard your brand new vehicle with car insurance. Even if you are not at fault, a vehicle accident may be costly. Moreover, managing and paying for it can be expensive, time-consuming and hectic. A good car insurance policy beforehand comes for your car's protection.

KNOW MORE ABOUT THE BEST CAR INSURANCE POLICY HERE… 

Your vehicle’s dashboard is usually something you don't give much attention to. That's because, unless something goes wrong, it often appears the same every time you drive. Cars have thousands of moving components comprising dozens of linked systems powered by cutting-edge technology and sensors. With that much computing power on board, if any error occurs, your car will undoubtedly alert you about them.

All the warning indicators in your car are explained in detail in your car's user manual, but reading through it may seem like a chore to many. However, the warning lights are there for a reason, and knowing what they represent can prove to be the difference between a good trip and a breakdown.

Here are five warnings that appear on all vehicle dashboards that you should never ignore.

1. Engine warning indicator:
This indicator means there might be a problem with your engine's primary systems. This problem might be as minor as a faulty sensor or a damaged spark plug or as severe as a damaged fuel pump. This indicator blinks for a few seconds when you start your vehicle. If the indicator remains on or blinks continuously, it indicates a serious problem.

2. Oil pressure indicator:
This indicator means that your engine's oil pressure is low. This might also mean that you're keeping low on engine oil. If this light comes on, turn off your ignition right away. Oil's shortage can cause irreversible engine damage. Check the oil level once you've parked safely on level ground. Fill it up if it's below the required mark. If the oil level is adequate, this might indicate a problem with the oil pump.

3. Brake warning indicator:
This indicator shows that you have left the handbrake on. Still, if it continues to flash even after you release the handbrake, it might indicate a problem associated with the braking system. See a mechanic right away.

4. Battery indicator:
It signifies that the alternator responsible for charging your car battery is malfunctioning and cannot provide an adequate charge. As the cells degrade with time, it might also be an issue with the battery. With the alternator and battery functioning poorly, you should minimize its load by turning off systems like AC and LEDs. Find a mechanic at the earliest because there may come a time when your vehicle won't start at all.

5. Engine temperature indicator:
The indicator typically signifies either your engine is overheating, or your coolant level is low and needs refilling. When this indicator flashes, it’s best that you immediately come to a halt and allow your engine to cool down. Check your coolant level and search for any leaks once the car engine has cooled. If the coolant level is correct, this indicator trigger might be a sign of a more severe issue, such as a damaged water pump.

An overheated engine can distort, causing parts to fail. Avoid driving further and tow your vehicle to the mechanic to avoid further damage to your car’s engine. Your car insurance features like roadside assistance will help you get complete service in case of any mishap in the middle of the road. You can enjoy the benefits of car insurance coverage without spending money from your side.

While these indicators signal that something needs attention, there is typically no reason to be alarmed. Most warning indicators will not leave you stuck, so you can generally safely drive yourself to a service station. Remember that these indicators change across automobile manufacturers and even within the same manufacturer's models. It is best to check with your mechanic if something worrisome flashes on your vehicle dashboard before it gets you in trouble.

Click HERE to know more about different car insurance plans suited for your car.

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 today’s pandemic time, wellbeing and health have become more important than ever before in our life. People have started giving serious attention to personal health like their career, entertainment and other things. Change in day-to-day habits, increase in pollution, and several other factors severely impact an individual’s health. It may lead to multiple health diseases and medical problems.
Medical bills for such diseases are high, and to protect yourself and your family from this burden, one must invest in a good health insurance plan. You can check for online health insurance policies of various companies by comparing their schemes and payable premiums.
Apart from a good health insurance plan, a regular workout and a proper diet are essential to maintain a healthy lifestyle. Following are some of the many benefits of exercising and keeping a balanced diet.

1. Prevention of disease:

Regular exercise and proper diet can prevent heart disease, high cholesterol, diabetes, high blood pressure, arthritis, and several types of cancer. Appropriate workout regimes and diet can boost your immune system to fight against all kinds of diseases.

2. Boost your mood and energy:

Diet and workouts have a significant impact on your mood. A chemical called endorphins is released due to certain exercise forms, which helps make you feel positive. A good mood and positive energy can make your day more productive at work. It also helps you to remain mentally fit.

3. Brain health and memory:

Various nuts and fruits included in your diet can help you sharpen your brain memory. Even meditation benefits you to concentrate on things quickly. The studies prove the benefits of physical exercise, especially aerobic exercise, with positive effects on brain activation on multiple fronts.

4. Relaxation and sleep:

Many of us might be concerned about our sleeping habits. A proper workout helps you to get a sound sleep. But, on the other hand, a heavy meal can turn your night into a restless one. So, both things should be in proportion, and these restless nights can turn into rich ones.

5. Help in weight loss:

Improper diet and workouts can lead to obesity, which can cause many cardiac diseases. Cardio exercises like aerobics, running, cycling, walking can help you to reduce your obesity level. Fewer intakes of calories in your diet will help your metabolism work fast and digest your food soon. Lower the fat content in your body and lessen the chances of getting ill.

6. Good for muscles and bones:

Physical activities like weight lifting and a proper amount of protein can help you build your muscles. It also helps to grow the strength of your bones and their density. Have an adequate amount of nutrition in your meal, and you'll surely see the outcome in future.
Apart from diet and proper exercise, you should have a full-body check-up once a year. An early diagnosis can help you to recover from various diseases and helps increase your lifespan. Various online health insurance companies provide complimentary full-body check-ups of the client once a year post renewal.
Your entire lifestyle wagon wheel relies on these crucial aspects, so plan your roadmap to health and fitness thoughtfully. Any negligence in this can land you up into severe trouble.

LOOKING FOR THE BEST HEALTH INSURANCE PLAN FOR YOU? CLICK HERE TO KNOW MORE… 

Your bike reminds you of road trips with friends and many other memories. But after a few years of use, there comes a time when you realize that you don't really need it now. Either you've outgrown your bike, upgrading to a four-wheeler or for any other reason, you have decided to sell your bike.

At this time, you want a good resale value for your bike and the key to a good resale value is finding a genuine buyer who can pay the highest price for it. But, before that, there is a crucial step of valuation to determine the offer you expect to get.

Read ahead to know what you should keep in mind while selling your two-wheeler at a high resale value.

Valuation: Numerous factors influence the value of a used vehicle. Several websites and tools are available online to calculate and provide you with an approximate resale price for your vehicle. You may also go to your local garage and ask for their opinion on the matter.

A few of the primary deciding factors are age, model, kilometre run, insurance record, ownership (whether it's first-hand or second-hand), overall condition of the vehicle, and engine. Always remember that getting a good value for your bike depends on the bike's physical condition and your negotiation skills.

Documentation check: To get the best valuation of your bike, ensure all the documents like the registration certificate and bike insurance policy are with you. The documents transfer process should be conducted in the new owner's name as soon as the payment is made.

Along with the RC and Bike Insurance Policy, the other required documents are Road Tax Certificate, Form 28 – Application, Grant of No Objection Certificate, Form 29 – Notice of Transfer of Ownership of a Motor Vehicle, and Form 30 – Application for Intimation and Transfer of Ownership of a Motor Vehicle.

You may visit your nearest RTO office for further details on the matter. You'll be given instructions to send certain documents and forms to the authorities, thus intimating them about the change in ownership and sale of your two-wheeler. You shall receive an acknowledgement providing that you submit the authentic documents.

Timely transfer of the mandatory third-party liability is essential. If the sold bike is involved in any accident and the insurance is not transferred, the original owner is held liable.

Finding a buyer: The most important thing for a good value is finding a buyer who is willing to pay you a good amount for your two-wheeler. There are two good options you can choose from to find the perfect buyer:

1. Local garages – It is an old-fashioned way of reselling goods, still one of the quickest to avail cash. The advantage of selling your bike at a local garage is that the finalization of the deal is often done the day you walk in. It is generally preferred to sell a thing locally to avoid processing fees.

2. Online Markets – It's becoming another popular and easy way to sell your old bike. There are multiple websites like OLX and eBay wherein you can upload a few pictures plus provide an in-depth description of your vehicle, and the interested buyers contact you.

Always be patient and wait for a few good offers while selling your bike. You might have to deal with a rookie with no knowledge, like a first-time buyer or an expert in the field who regularly deals with such negotiations. The key here is your negotiation skills. So be confident about your vehicle and your valuation, and you will surely find a good deal.

YOU CAN RENEW YOUR OLD BIKE INSURANCE ONLINE HERE…

Lubricating the car is essential to ensure your vehicle's overall fitness and functionality. The regular oil change is relatively an affordable maintenance task your vehicle requires, but the more important question is: How often should you change your engine oil? This entirely depends on the car’s usage. As a driver, you must look for typical signs your vehicle displays when it needs an oil change. You must detect the hints in advance to prevent them from developing severe damages.

This article will explain the top eight signs to heed that indicate an immediate oil change for your car.

• Check the oil change light. The engine sign will turn on if there isn’t enough oil in the engine. So, check the tank to discover what’s going on when the engine sign flashes.

• Engine knocking and noises. The oil acts as a friction barrier between engine components, preventing them from brushing and keeping the engine running silently. The engine noise will get intensified if the oil isn’t working perfectly.

• Change in the colour of the oil. The oil becomes darker and loaded with particles gathered from the engine as it gets utilized. Check your engine oil at least once every month by removing the dipstick from the oil tank. Make sure to wipe it clean before replacing it.

• Smoke from the exhaust. Your car’s exhaust always emits clear gas. But, if you observe smoke coming out from the exhaust, it’s time for a thorough engine inspection. It’s possible that you have a defective engine part or probably an oil leak.

• The odour of oil around the car. When you smell oil inside your vehicle, it’s usually a symptom of an oil leak. The car may overheat if you smell gasoline or vapours. In that case, you should schedule servicing right away after experiencing this.

• Excessive Travel. Consider an oil change quicker than the standard interval if you drive excessively. For example, you should change the oil every 10,000 km or half a year in new cars. For older cars, consider using high-mileage oil and change that every 5,000 Km.

• Fuel efficiency is poor. You would observe a decrease in fuel economy. However, this might indicate other issues with the fuel system, engine, or exhaust system. But an engine may fail to function if it isn’t getting adequately clean oil.

• The engine keeps stopping. If your car has been experiencing repeated engine difficulties, you should examine it. If your car stalls or feels like the engine seizes up at times, you might have low engine oil, poor oil, or an oil leak.

Only knowing how to drive a car isn’t enough; maintaining it is just as necessary. As with every other machine, your car won’t perform the best if not taken care of regularly. If you don’t change your car’s oil regularly, its performance can degrade quickly, resulting in catastrophic damage to your vehicle.

To avoid the consequences, you must watch out for indications that lead you to the warnings of an oil change. Like oil, your car insurance is another thing that needs continual renewal. Car insurances are financial saviours and are required when they are about to expire. Do not forget to check out your car insurance renewal dates and keep them updated to enjoy the uninterrupted benefits of the existing policy.

For your 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.

A shiny car with an attractive colour is a head-turner for anybody. After all, it's also a reflection of your personality. Yet, a few years down the line, the paint on the car usually loses its sheen and begins to look dull and dead. Failure to provide regular care to the car paint is the most common error car owners make.

Getting a brand new paint job can be heavy on your pockets and lower the value of your vehicle, but if you take care of things, your car's paint lasts for years. Along with below mentioned little important tips about proper care of the car's paint, we also recommend you to possess a car insurance that offers you coverage against any damages to the vehicle. You can also check online car insurance for the best premium.

1. Cover up your Car: Sometimes, the simplest of things are the most efficient ones. For example, putting a cover on your car for as long as possible is the key to preserving the paint. Also, owners who park their vehicles in an open area have to take special note of this point as their cars are more prone to damage by bird droppings, direct sunlight, and dust.

2. Regular Car Washes: A car wash at regular intervals would go a long way in protecting the paint of the car. However, only washing won't help; you need to wash it correctly to get the best results. For that, use a sponge, and a car shampoo specially made to suit a car's paint. Never use detergents and cloth. They cause more harm than good.

3. Drying is Equally Important: Washing alone isn't enough. If you leave your car to dry on its own, you're doing it wrong. The leftover water can cause a lot of damage to the paint. Always dry your vehicle right after a wash, that too in the correct way. Use a microfiber towel or a weave fibre cloth for the drying process.

4. Wax your car. Do not polish: While both of them are the techniques to bring out the sine on your car, there's a big difference between them. Polishing brings out the lower layer when a layer of the paint job is removed. On the other hand, waxing adds an extra layer of protection to the paint and is always suitable for your car.

5. Repair the damages: If your car has suffered from scratches and rust already, take the help of a car paint shop and repair the damages. The longer the scratches stay, the harder it takes to treat them and may permanently damage the paint job. The minor scratches can cause a lot of damage to the surrounding area of the body paint. So do not neglect these minute things and fix them before they create trouble for your car.

Additional coatings like vinyl wraps, paint protector film, and clear coat protectors can bring an extra layer of security for your car paint. Following these simple tips will surely turn your dull looking car into a shiny prize. As stated earlier, pick a suitable online car insurance plan as early as possible that will benefit you and your vehicle for an extended period.

CLICK HERE TO CHECK THE BEST ONLINE CAR INSURANCES THAT YOU CAN PURCHASE RIGHT NOW, SITTING AT THE COMFORT OF YOUR HOME…