GENERAL INSURANCE BLOG

Using your private property for commercial purposes may seem like a fantastic way to grow your business if you have an office at home. It has been common practice to convert a residential property for commercial use to increase income. However, housing societies usually don't appreciate it when a whole residential unit is used for business.

Owners are permitted to use a portion of the property for commercial purposes. However, there are several restrictions and legislations that you must be aware of to use your apartment as an office space. In addition, getting the best home insurance policy in India can help you save money when you rent or buy a business space.

Is there a regulation in India that governs how residential property is used and rented out?
Across Indian cities, the zoning law is enacted by the local municipal government or authorities. It governs the use and allocation of land to different services and purposes. According to the legislation, commercial activity should be kept out of residential areas for the benefit of residents and to encourage the growth of the proper commercial regions.

What exactly does the law state?
It is essential to note that different states have different levels of leniency when it comes to commercial use. In some states, professional service providers such as doctors, lawyers, and chartered accountants are permitted to use up to 30% of their homes for business purposes. But in other states, they are not.

Before converting a residential property into commercial space, ensure that it's permitted. You must get clearance from the local housing authority. Once a property has been officially considered for retail space, it will be regarded as such for all purposes, including paying a higher property tax rate than a residential property.

Things to keep in mind when turning a residential property into a place of work.
Commercial activity is any activity related to the buying and selling of merchandise. Most housing societies allow the operation of businesses such as professions, services, and the teaching of specific art forms.
Activities such as yoga classes, tuition classes, or the services of chartered accountants, doctors, and lawyers are not considered as commercial activities. Commercial activity within residential properties may not be authorised due to security concerns as they create a significant traffic hazard for the neighbourhood.

For those who are willing to use their home for commercial purposes, here are a few considerations to bear in mind:

1. Before making an application, make sure you know exactly how much space you'll need and what kind of business you want to start.

2. Obtain a permit to operate a business from the local municipality.

3. Ensure that your clients are not using communal spaces such as the parking lot or other amenities.

4. If your home is turned into a business, you may have to pay more property taxes.

Many people find that running a business from home is an excellent way to save money since the cost of rent and transportation are significantly reduced.

Before starting a business in a residential space, get approval from the housing society, local councils, and zoning authorities. Also, get the best home insurance policy in India so that you can keep your apartment safe as you turn it into a business.

Click HERE to get the best home insurance 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.

Searching for your perfect home can be quite overwhelming, and renting can make it even more stressful if not done correctly. Renting a house is generally referred to as a property occupied by somebody other than the house owner. There are several things one must consider before finalising a house, and you need to ensure that you clarify all your doubts before arriving at a conclusive decision and paying.

In this article, we will discuss what you should know before renting a house for the first time. These points will not only help you stay calm while renting but also ensure that you make a well-informed decision before going ahead with the agreement. After all, it's going to be your home once you move in.

1. Location:
Think about the location before moving in. Notice the surroundings and the essential services and facilities available in the vicinity. Is it a school or a pub? Will you be comfortable with loud music and traffic noise? Check the area for essential services for you before signing the agreement.

2. Amenities:
Check the amenities like the washing machine, geyser, air conditioner, etc., if they come along with the house. It is your responsibility to examine these inventories and their working and get the landlord to confirm their satisfactory working in writing. It would be best to ask the landlord to clarify the repair or replacement of these appliances.

3. Release clause:
A release clause entails that the tenant must pay a fee and find a replacement if they wish to release themselves from the contract and move out of the house. Discuss the clause with your landlord beforehand.

4. Repaint:
Enquire if your landlord will be repainting the house before you move in. And if they have any plans to paint or deep clean the house, it would be good to get the work done before you sign the tenancy agreement and make the payment.

5. Pets:
It is a good idea to discuss if pets are allowed during the negotiations with your landlord. Breaching the tenancy agreement by keeping a pet can lead to possession and eviction in the future.

6. Water:
During the house inspection, open the taps and shower and check the water pressure. In case of a problem, negotiate with your landlord before signing the agreement.

7. Advance:
Usually, landlords ask for two months' payment in advance, but there is no fixed amount. They can maintain discretion about the deposit amount. Make sure you bring this up during your negotiation or agreement.

8. Terms and conditions:
Read the agreement very carefully. You can challenge terms and conditions you are uncomfortable with or find confusing. But you must do this before you sign the deal. Never sign an agreement without having complete knowledge about it. Any carelessness done during this period can have adverse consequences later.

Now that we have discussed the things you should know before renting a house for the first time, it would be wise to verify with your landlord if he has purchased home insurance for the home. Being covered under the umbrella of the best home insurance in India can keep you relaxed and free from worries of any damage or theft at your rented apartment. Ensuring security should be on the top of your priority list before shifting to a rented home.

Click HERE to know more about the best home insurance in India.

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

Life is full of unexpected events, but the downside is that even the slightest miscommunication can put your goals at risk. A good general insurance lets you choose your protection against the costs of accidents and natural disasters — from theft to car collisions, fire damage to travel mishaps. And with this flexibility, you can mix and match the coverage you need from a general insurance online quote and get an affordable and customised plan.

Let’s understand the necessity of travel insurance:
Travel insurance seems unnecessary, and travellers underestimate the significance of travel insurance, as its purpose only comes to the fore when things go wrong. For example, if a flight gets cancelled unexpectedly, or if you get sick while travelling.

Travel insurance is a particular type of insurance that covers you for travel-related perils. It is not the same as your regular home, car, or health insurance. And, if you want to know why it is so important, read on.

1. Loss of luggage:
Landing at your destination and finding out your luggage is missing? And you're stuck with only the stuff you brought along - which isn't much. Fortunately, most insurance companies will provide a certain amount as compensation for such incidents as part of their policy.

2. Cancelled / Delayed trip:
If you plan to postpone, cancel or rearrange your trip, you can rest easy knowing that your travel insurance policy may provide you with financial protection. Trip delays, cancellations, and curtailments are all covered in case of an emergency.

3. Hospitalisation and Emergency expenses:
Travelling doesn't mean that you are entirely safe from the risks of getting hospitalised. Travellers often fall ill in the middle of their trip and have to even stay in a hospital if the situation worsens.
The holiday can turn into a nightmare if you don't have a valid policy covering hospitalisation expenses. Your travel insurance covers all your transportation, food, and medical expenses on getting hospitalised during your trip.

4. Fraud Protection:
It can happen to anyone. You're enjoying a vacation, and all of a sudden, your financial security gets compromised. Maybe you lost your debit credit card, or worse — you notice a fraud transition on your credit card. Maybe this is the first time such an incident has occurred to you, but it could happen again.

5. Liability protection:
While you're on your trip, keep an eye out for any personal injury or property damage. You could be held legally liable for it. But just because something is likely doesn't mean it will happen. With proper liability protection in place, you won't have to worry about paying for others' mistakes.

If you're concerned about safe and worry-free travel, there's no better time than now to buy travel insurance. Increased awareness means that more and more consumers are looking for a way to protect themselves when they travel.

Are you someone who wants protection and doesn't want to risk losing your vacation money or belongings? In such an accident or illness, there's no better time than now to get travel insurance. General insurance online quote is essential for financial security. These policies protect you against all possible financial risks, including travel you might face in your life. It is also a great way to protect your other assets and valuable possessions.

Click HERE to get general insurance online quote.

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 majority of house buyers and sellers use the services of real estate brokers to make the process hassle-free. A real estate broker is a middleman who connects a buyer and a seller. An experienced broker can help you secure a good deal while keeping both parties' interests in mind. Unfortunately, the real estate sector in India is rife with misinformation and uncertified real estate agents.

As a result, finding the perfect broker is crucial in making informed decisions and avoiding costly mistakes. Finding the right real estate broker is as important as finding the best home insurance policy. Here is how to pick one.

1. Authenticity:
Reputation is a key component in the real estate sector. A reputable broker maintains relationships with developers, owners, and other real estate professionals. Question at least two clients about the agent's authenticity, knowledge, service quality, and, if possible, the pricing of homes they acquired through your agent. Preferably opt for a licensed broker who is a member of the National Association of Realtors (NAR).
Brokers must be RERA (Real Estate Regulatory Authority) registered in addition to being a part of a reputed organization. The state's RERA website posts all of the agent's info. You can look up these facts on the website using the registration ID of the real estate broker.

2. Understanding of the neighbourhood:
When looking for a real estate broker, the first thing you should look for is someone who knows the neighbourhood. Your broker should be well-versed in the local market conditions.
A good real estate broker is well suited to reveal the nitty-gritty of an area, the real estate inventory, and the prospects. It's also necessary to know current property trends. You'll be in good hands if you find a broker familiar with the local rules and regulations regarding property purchases.

3. Potential prospects:
Do not finalise a broker on the spur of the moment with a single offer. Investigate the market and speak with at least two or three agents. You can ask questions, learn about their experience and working style, and determine their areas of specialisation and professionalism by meeting and interviewing a few possible brokers.

4. Brokerage:
It's critical to negotiate your agent's fee upfront without ambiguity. In most Indian cities, the fee is usually 2% for transactions worth more than Rs 50 lakh and 1% for transactions below. Real estate brokers frequently skip the fee section and charge a high percentage after the contract is closed, leading to disagreements.

Buying a home is both a financial and emotional investment. Many homeowners will also agree that purchasing a home is a complicated job. The right real estate agent can make the process less stressful while ensuring that you get a decent deal.

After finding a great deal on the house, the sense of claiming it as your own is unquestionably a once-in-a-lifetime experience. It is suggested to purchase home insurance coverage to protect your new home from undesired circumstances and shield your personal space with a layer of financial protection.

To know more about home 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.

The year 2022 is specifically crucial as the pandemic has caused individuals from all around the globe to pause and reconsider how they have handled their funds over the last couple of years. While the idea of plotting financial goals in the aftermath of the pandemic recession may seem daunting, it is an excellent time to participate in a different type of financial goal-setting.

As we are just getting started with 2022, remember, the sooner you begin, the better you will achieve your financial objectives. So, to help you start your journey to financial freedom, we have written this blog which points out 6 goals that you should meet. Let us take you through each of them briefly.

1. Build an emergency fund:
A liquidity backup set up for emergencies and unexpected bills is known as an emergency fund. You can use these savings for unanticipated costs or payments that are not part of your regular expenses. It can act as a financial cushion when you are looking for a job change, are unemployed, and support you during the uncertain times of Covid-19. It's just like an umbrella, not much of use most of the time but tremendously valuable when needed.

2. Savings for a home:
Owning a home is one of the most popular financial objectives people seek to fulfill. It is evident that people must work hard to achieve this goal. Planning for it may be difficult but not impossible if you start early. To appropriately fund this aim, you must first analyze your financial flow and requirements. Check your spending habits and invest in schemes that will earn you a good return in the future.

3. Adequately insure yourself, your family, and your assets:
You and your dependents can face numerous financial hazards if not adequately insured. Health insurance is crucial in today's times. We cannot deny the importance of general insurance in India for your other assets like a house, motor vehicle, etc. There are many good companies offering health and general insurance in India.

4. Invest for your retirement:
Saving for your retirement is a crucial financial long-term goal. Keeping a retirement fund to live comfortably and pay for medical expenses in your later years is essential. However, achieving this goal will be wholly dependent on your financial portfolio and spending habits over the years unless you have other forms of passive income.

5. Savings for your next generation:
With an average of two kids per household in our country, the university and upbringing cost is very high. You would indeed desire the best college and educational facilities for your offspring. However, paying for all the tuition fees and other costs of having kids is not that easy. After attaining your financial freedom, planning for your next generation is the most important goal you should look forward to.

6. Being debt-free:
Staying out of debt is a must for your financial wellness. This will ensure that you achieve your other financial objectives without any hurdles. Whether it's repayment of loans or clearing credit cards debts, make a strategy to get out of it as soon as possible.

Setting financial objectives will be one of the most important things you will have to do every successive year. If you're a married individual, you'll notice that many of these targets aren't purely personal and heavily involve your partner. Having communication with your partner and financial adviser can help you work together to get the most out of your resources and meet your financial targets. Happy New Year and happy financial planning!

You can check the most economical plans 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.

Home is a name, a word, it is a strong one; stronger than magician ever spoke, or spirit ever answered to, in the strongest conjuration. –Charles Dickens

You’ve made the big decision to purchase a dream house: reality is finally sweeter than your dreams! Congratulations.

A house is a matter of pride and a big commitment for many many years. A house is probably one of the biggest investments you will ever make: a dream you would like to protect.

While there is little we can do against natural disasters, we can reduce some of the hardships by having home insurance, which protects against any damage to the house and valuables in it.

Home insurance is poorly sold in India; People are either not aware of home insurance or are reluctant to buy it. They don’t see the risk to their property—be it fire or an act of terrorism; and of course, it always happens to other people!

A lost life cannot be regained, but a lost house can be rebuilt and it doesn’t cost much.

Here is what our Truth lens tells us:

A good policy covers for financial loss arising out of various incidents such as fire, earthquake or burglary. It covers, not only for structural damage but also for all other assets and possessions you may have, right from a rug to a refrigerator.

Here are a few things to consider:

One, the Cover

At the basic level, a standard fire and special perils policy covers your structure and possessions from fire and other dangers such as earthquakes and storms. The second level of coverage protects against burglary or breakdown of mechanical and electrical appliances. The last one protects against minimal risks such as loss of rent, loss of important documents such as title deeds and passport, and provision for alternate accommodation.

Two, the Sum Insured

While the value of your house is based on three factors - land, cost of construction for the building and prevailing real estate prices – the insurance only covers for the building’s cost of construction. Most insurers will offer a standard rate per square foot multiplied by the carpet area of your house. The rate offered also considers depreciation. Therefore, it is important to go for a reinstatement cover. This covers for rebuilding your home from scratch, assuming the worst.

Three, Compliance

If you are living in an urban high-rise, your flat alone cannot be rebuilt in case a big calamity hits the locality. It is the housing society’s responsibility to insure the entire premise. Talk to the society management and figure the kind of insurance availed of and what supplementation you need. The insurer will not cover for poor or unauthorized construction and you don’t want to be left high and dry in the event something goes wrong. Taking 2 insurance policies for the same asset will not result in double benefits! [This is based on the principle of indemnity, and the more technical oriented amongst us can click here to read more about it]

Time period: Home insurance can be bought for a minimum of one year to a maximum of five years. Do remember to renew.

Fine print: Home insurance policies are worded differently. For example, structure insurance may only be for building and not land, or only jewelry kept in the locker may be covered.

Tenants: If you are living in a rented house, you can insure only the contents and not the structure as you don’t own it.

A central air conditioner cools the air in one area, then uses the furnace's air handling skills to circulate the cool air throughout the house. This sets it apart from mini-split systems, window or wall air conditioners, or any other cooling system that needs many units to chill the entire house adequately. The compressor is outside, and the evaporator coil is inside the residence, dividing the device into two main parts.

The central AC installation process.

Now that the fundamentals have been addressed let's go over the detailed procedure for installing central air.

STEP 1: Get a quote.
Find nearby Heating, ventilation, and air conditioning (HVAC) contractors by conducting an online search. The committed residential HVAC technicians may also come to your house to offer you a quote. This procedure includes inspecting any existing air conditioners and the areas of your house where the air ducts will be placed.

STEP 2: Choosing the appropriate central AC unit.
Your HVAC contractor will suggest an AC unit. This depends on elements like your home's size and the climate where you live. The following are the key elements that will help you choose the best AC unit for your house:

Unit size: Because homes come in various sizes and climates, HVAC manufacturers offer systems in multiple sizes. Most of the time, your contractor will assist in determining the ideal size for your property.

Ranking SEER: The performance of an AC system is based on its seasonal energy efficiency rating (SEER). For instance, high-SEER equipment will benefit from lower operating expenses, decreased energy usage, increased safety, and quieter operation. High-SEER units frequently cost more upfront. However, they lead to more savings over time and can provide a better return on your investment.

Productivity of the unit: The two main types of AC units that manufacturers provide are package systems and split systems. Since all components are contained in a single housing, the general package systems perform well for an "all-in-one" experience.

STEP 3: The unit is placed on your property.
Proper location is important while installing central AC as they have two drawbacks: they take up room and are noisy. So, where should your unit be placed for the best results? You should put the unit out of sight and away from beds. The side yard, a location near the kitchen, or the laundry room are frequently chosen by consumers. By doing this, you can lessen the noise in the vicinity of the rooms in your house where you sleep, rest, and work.

Step 4A: Check the existing ductwork in step.
Ask your contractor to look over the ductwork if it already exists in your home. Before setting up the new system, they can find any structural damage and replace or fix it.

STEP 5: Installation.
As previously indicated, if a split system is installed, a portion of it will be stored indoors, most frequently in the attic. If new ductwork is necessary for your home, it will be installed by your contractor.

The value of your property can be increased while keeping you and your family comfortable by installing a central air conditioner. To ensure the most seamless installation of your central air conditioner, don't be afraid to ask your installer questions about the process.

Also note that the best home insurance in India will safeguard your home against unforeseeable catastrophes, such as calamities caused by both nature and humans. Some insurance covers the house's structure, while others cover the building and the home's contents. Buy the best home insurance in India and reward your home with seamless protection.

Click HERE to buy the best home insurance in India.

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

Due to its inherent beauty and opulent appeal, marble has long been the preferred material for flooring in custom houses and structures. Although there are now more flooring options than ever, marble continues to rule as the king of expensive flooring.

The majority of people are familiar with marble as a material. Still, many are unaware of its characteristics or how it may be used for customised floors. The beauty and allure of marble have solidified its position as the preferred flooring for upscale residences, hotels, and even some companies.

*Pro-tip
Home insurance India is a comprehensive policy that covers losses against private residences. Buy a comprehensive home insurance India policy and protect your home and its structures from losses due to accidents or mishaps like theft.

Here are some benefits of marble flooring:

Since ancient times, marble has been used as flooring. Although marble flooring has many advantages, its timeless appeal speaks volumes about its excellence.

1. Natural grace:
Marble is frequently utilised to give rooms a classy, opulent natural appearance. The patterns present in tiles give each piece a unique appearance. A floor that will elevate your space has a bespoke appearance combined with an original installation and design.

2. Greater durability:
With marble flooring, you can stop worrying about dirt. These floorings are robust and unmarred by scratches. The marble flooring is tough for all types of damage because it can resist practically anything you throw at it.

3. Home value growth:
You probably consider how marble flooring will enhance the appearance and functionality of your home whenever you undertake one. However, you might also consider how it might raise your house's worth. Your home is a significant investment, so whenever improvements you make, you want to be sure that you will eventually recoup your costs. Marble floors can assure you of this.

4. Simple to clean:
Marble floors are resistant to liquids and other chemicals as long as their seal is properly maintained. You can easily clean the marble surface if it gets dirty or wet. Irrespective of the shade, you can remove dirt and dust reflecting from the shiny surface of the marble.

5. Using elegant finishes:
Whether in a vast doorway or a small restroom, the flooring provides a polished glow that brightens the light and makes the place grand. Most homeowners adore the elegance that marble can add to a home.

6. Reducing allergies:
Marble flooring is ideal if you or anyone in your home has allergies. It's warm enough for barefoot use yet doesn't attract dust, pet dander, or pollen. When the dust first appears, you can easily spot and clean it.

7. A wide variety of colours:
The word "natural" doesn't limit your selections regarding the advantages of marble flooring. There is a huge variety of hues and patterns for marble floors. You can decide on a particular type of flooring and then plan the rest of the space around it.

8. Outstanding heat conduction:
Although marble floors are meant to be cold, this is not always the case. Due to its excellent thermal conductivity, marble is a fantastic material for radiant-heated homes. Even on the chilliest mornings, radiant in-floor heating combined with marble floors will keep you feeling cosy.

So, we are clear that marble flooring provides your property with a traditional, timeless appearance. It can make your home shine with the premium texture and feel of overall luxury. Do not forget to give your home reliable protection with the best home insurance India. Therefore, you must weigh the pros and downsides before making a purchase.

Click HERE to buy home insurance 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.

Buying a house is a significant milestone in most people’s lives. It is not just an investment but also a status symbol that displays your wealth. In India, purchasing a home is seen as an achievement that most young adults wish to fulfil to get stable in their lives. However, there are several risks to consider before making this purchase. Since it is a high-value investment, you must be prepared to protect it against mishaps. There is a constant threat to your home due to natural calamities, break-ins, or third-party damages, to name a few.

A home security system installation not only secures your home from multiple threats, it also gives those with a pre-installed security system an advantage. Since the chances of damage are relatively lower for secure homes, your home insurance claims are proportionately lower. Therefore, you must consider purchasing a well-suited home security system irrespective of the cost.

This blog discusses some factors to consider the best home security system to protect it from potential threats.

1. Assess entry and exit points:
While you cannot prevent uncontrollable events like natural disasters, it is possible to monitor your home for suspicious activities around your home. Thoroughly assess the layout of your house and identify entry points. Ensure that a sensor is attached to every door or window, or install cameras nearby that can capture the entire view.

2. Technologically integrated devices:
Once you secure your entry locations, all that is left is to secure the inside of the house. Several single-purpose tools like smoke and carbon monoxide detectors, fuel gas sensors, and accessories like remote monitors and controllers allow you to control your home remotely. Through these, you can detect issues at the earliest and handle the situation before it gets out of hand and call the required authorities if needed.

3. External monitoring devices:
Keeping a monitoring device like a camera facing outside with a live feed is a method to keep intruders away. While this may be expensive, it guarantees that everything is safe at your home. The same can be applied to cameras inside the house, but since it can violate your privacy, we recommend limiting it to personal supervision. Ensure that your cameras are placed at a well-lit location and cover all entry points and any external attached area like garden space or shared spaces with neighbours.

4. Emergency buttons:
You need a handy emergency or panic button in case there is an escalation that requires the intervention of emergency services. These devices are designed to immediately call for emergency service providers by clicking the button. Ensure that they are placed at a height that kids cannot reach but are accessible easily in an emergency.

Home security systems are crucial features in keeping your home safe. With the increasing risk and crime rates, its requirement is only increasing. While it is an excellent addition, it should be coupled with a comprehensive home insurance policy to keep your home safe and cover any incidental costs incurred. If you wish to buy home insurance online India, the process is simplified to take minimal time and maximum benefit.

Click HERE to buy home insurance online India.

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

The train rides offer you to experience India's great culture and heritage as you cross stations and states. The Indian Railways has always been working at the forefront to bring the best of incredible India to citizens and visitors by connecting the nation's glory and heritage landmarks. And all this is achieved with the strong network of railways, which is indeed the lifeline of India. The Railways operates special heritage trains and tours to bring people and experiences together.

Among the excitement and thrill of heritage train riding that you may undertake soon, let's not forget the importance of insurance. As an individual, you never know when uncertainties can kick in, so better always to stay prepared! And general insurance is the best and safest way to make your experience less stressful and more enjoyable, knowing that your travel is safeguarded by reliable insurance coverage.

Here are a few top heritage trains in India that one shouldn't miss.

1. Darjeeling Himalayan Railway (DHR):
One of India's best-known and most popular trains is the toy train, which runs between New Jalpaiguri and Darjeeling. The journey takes you through hills and dense forests, with views of Mt. Kanchenjunga on clear days. The Darjeeling Himalayan Railways (DHR) toy train trip is akin to a soothing lullaby in the middle of a fantastical environment.
A cheerful train ride over the foggy lines from Darjeeling to New Jalpaiguri would undoubtedly restore the romance in a person. If you didn't already know, UNESCO designated and recognised this Toy Train as a World Heritage Site on December 5, 1999.

2. Deccan Odyssey:
Modelled after the royal carriages of ancient India, the iconic and luxurious Deccan Odyssey offers top-of-the-line amenities and services. It features a library, Ayurvedic massage centre, beauty salon, gym, business centre, and a conference room.
A Deccan Odyssey train journey is a wonderful way to learn more about the ancient folklore of civilisations and the reigns of dynasties that made their remarkable imprint in India's history. It offers comfortable and spacious cabins, dining and sightseeing facilities. You'll stop at cities such as Mumbai, Badami, Hospet, Bijapur and Hyderabad. Upon arrival in each of these destinations, you'll have a chance to explore the places.

3. Golden Chariot:
The Golden Chariot is a luxury train that offers its passengers the best immersive experience of South India. It features a lounge bar, LCD television, DVD player, Wi-Fi, and central air conditioning. It also features a variety of therapeutic massages onboard. From the cultural extravaganza of Karnataka and Tamil Nadu to the adventure hotspots of Goa, Golden Chariot travels down the enchanting routes of Southern India. The cabins reflect the rich heritage of the erstwhile Dravidian era and are furnished in a modern manner. Don't miss the opportunity to witness cultural and heritage magnificence with the taste of luxury with the Golden Chariot.

4. Ramayana Express:
Under the excellent initiative of "Dekho Apna Desh" of the Indian government, the Ramayana Express is not just a train but a treasure trove of knowledge and heartful experiences that will take you back to the mythological era.
This divine train originates from Delhi Safdarjung and covers all the major destinations related to Ramayan and Lord Rama, like Varanasi, Nasik, Chitrakoot, Rameswaram, and more. The entire tour duration is 17 days, and it is a fantastic opportunity to discover more about the colourful culture and the influence of the many miracles of Ramayana.

Heritage trains in India are not just tourist attractions but also an immersive way to experience the history and culture of the region. Though many of these trains have undergone changes over the years for the safety of travellers and technical advancements, they still maintain the charm and nostalgic feel of bygone eras. Still, for your safety and assurance, you may always opt for general insurance as a backup to cover your finances in case any damages are incurred during your trip.

Click HERE to buy general insurance to make your travel safer than the rest.

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 “work-from-home” culture has gained prominence in India since the beginning of Covid-19 in 2020. Now, this culture is picking up pace, and many companies are urging their employees to work from home, knowing its advantages for both employers and employees. However, there are endless distractions at home in the form of answering doorbells, chaos due to daily household chores, and the absence of a proper working environment. Kids can also take up much of your time at home and distract you from your important office work.

So, how can you set up your personal workspace at your home amidst all these problems? Here is a guide to help you design your “work-from-home” office with minimal distractions and more productivity.

1. Create a separate corner:
Create a separate corner for yourself at home for your personal workspace. It can be a separate room, if available, a corner of a room, or any other space that can be distraction-free. Do not hesitate to tell everyone in the household that this is your personal area for office work, and no one should encroach upon it, especially when you are busy.
Try to put a partition in your working area, such as a glass door, as it will help you keep it noise-free. Other house members will think twice before entering it while you are working, and you can concentrate on your work.

2. Whiteboard / Pin-up area:
Get a whiteboard or a pinboard that you can hang on a wall in your working area. Develop the habit of regularly making a to-do list and jotting down small notes. You can note down what you intend to do the entire day. Setting up small goals inspires you to work harder and achieve them. Also, by doing this, you will never miss any task or forget important things.

3. Make your work-area aesthetic:
Make your workspace at home aesthetic. Get the area painted with vibrant and bright colours that appeal to your senses and help you stay jovial. Decorate the area with small and beautiful showpieces. Make sure your space is well-lit and properly ventilated to give you a fresh feeling throughout the day. All this will help you stay active, sharp, and in a joyous mood, and you can concentrate more on your work.

4. Get a good ergonomic chair:
Working from home can mean sitting in one place for long hours at a stretch. Also, the chair present at your house will most probably not be suitable for work. Go and buy an ergonomic chair that can support your natural posture and help you to reduce the strain on your lower back. Get a good desk along with a chair. A good sitting setup can greatly help increase your productivity and motivation levels.

5. Buy the necessary equipment:
If you intend to create a “work-from-home” office and use it for a long time, you will have to invest in good technological equipment. This may require a high-speed wi-fi network, a good professional laptop, a printer, etc. Also, place shelves and drawers that you will need for keeping your necessary files, folders, and papers. This will make you more organised, oriented, and focused.

Creating a “work-from-home” office at home may appear to be challenging, but it is more fun to do if managed correctly. You need to dedicate your complete focus and concentration to your work. Hence, each family member should cooperate fully and not disturb you while working.

You must secure a separate space at home for your work if you want to continue it for a long time. A home is where you spend most of your time and make memories. While making your home a dedicated workspace, it is also crucial to plan and invest in its safety. Purchase reliable home insurance to protect it against any possible mishap or damage caused by fire, theft, and even natural calamities.

Click HERE to buy the best home insurance to safeguard your valuable asset.

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

veryone enjoys travelling and exploring new places, both domestic and overseas. You may be an occasional or frequent traveller; however, irrespective of your travel frequency, it is crucial to get travel insurance to enjoy your trip and put your mind at ease.

Choosing which travel insurance to purchase is never easy for anyone planning a trip overseas. While some travellers prefer purchasing single-trip coverage, others favour purchasing a multi-trip annual protection policy. Generally, those who travel abroad for extended periods (more than 90 days) and those who aren't likely to do so more than once a year should opt for a single-trip policy.

On the other hand, the yearly policy is intended for those who visit foreign countries more than once each year or plan frequent trips within the country. Inconveniences to your travel plans, such as flight delays, trip cancellations, and medical crises, are, nevertheless, covered by these travel protection policies.

Selecting appropriate travel insurance can be tricky for you. Here's how to pick a suitable policy to get the best benefits for your travel needs.

What is the difference between a single trip and a multi-trip travel insurance policy?
The single-trip travel insurance policy offers financial protection against exigencies for only one trip, whether it is domestic or international. This plan provides coverage for only up to 180 days. You can buy this travel insurance for multiple destinations by considering it a single trip. The validity of this plan begins once you board a flight to leave your home country and ends when you return to your home country or when the policy period ends. You can buy general insurance online with different duration of coverage according to your travel needs.

Ask the insurer about the single-trip policy's coverage duration and the benefits you might get. Generally, single-trip travel insurance provides financial support for passport loss, robbery or baggage loss, home burglary protection, hospitalisation expenses, flight delays, and loss of travel documents and personal items.

On the other hand, multi-trip travel insurance plans offer coverage for a specified period, usually for a year. This travel insurance policy provides money to support multiple trips you make under the same plan. It offers coverage for the loss of a passport, emergency medical expenses, and trip cancellation. However, some policies have different coverage periods varying from 30 to 70 days.

What to consider when buying a travel insurance policy?
Both travel insurance policies have similar coverage but differ in duration. It would be best if you chose a general insurance policy depending on the number of trips you want to take in a year. Moreover, consider some factors, like where you go on your trip. Some insurance companies offer separate coverage for some countries and exclude others.

Also, consider what you are going to do abroad. If you do activities like snorkelling or playing football, you will need a particular type of cover. Your travel insurance should also consider your pre-existing medical condition to get coverage for all medical emergencies.

You should also consider the cancellation coverage in your travel insurance plan. It helps you pay for the pre-paid cost of your trip. Consider if the plan offers coverage for lost bags, personal items, and other possessions by your airline. It is crucial to note all the factors before finalising which travel insurance to purchase.

*Pro-tip
Buy general insurance online as it will help you efficiently deal with the duration of the vacation, medical expenses, insurance plan exclusions, period and limits, and trip cancellations to get all-around coverage for your next trip.

When you invest in a travel insurance policy, you have 14 days to ensure that the policy purchased is the right one. Do your best research, compare different options online, and then make the final purchase.

Click HERE to buy general 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.

Be it the snow-capped mountains in the North or the golden sands of the Sahara in the West, India promises something for everybody and provides a wide variety of landscapes, flora and fauna. The country also hosts a wide array of activities like paragliding, surfing, trekking etc., to adventure seekers. However, in this article, we will discuss one of the lesser talked about activities, which is bird watching.

Bird watching is not just limited to spotting birds. It also gives you a better opportunity to explore nature, trees and other aspects of nature. Over the past years, owing to the growing number of endangered bird species, India has dedicated various sanctuaries for birds. These sanctuaries host a mixture of domestic and migratory birds.

Bird watching demands patience and perseverance, but the result is rewarding and exhilarating. Bird watching tours can be an excellent way to enjoy your vacations while indulging in new knowledge activities.

Let’s look at a few places in India that promise an impeccable bird watching experience.

1. Rann of Kutch, Gujarat:
Rann of Kutch sees about 300 different species of birds around the year. It is one of the largest breeding grounds for the Lesser Flamingo. Thousands of flamingos are seen flying together, making the skies a beautiful shade of pink. Short-eared owl, Syke’s lark, Greater Flamingo, Great White Pelican are just a few of the many birds that you will spot here.

2. Keoladeo national park, Rajasthan:
The Keoladeo national park is India’s most famous bird-watching site. It is located in the Bharatpur bird sanctuary and is declared a UNESCO World Heritage Site. The small area of about 29 sq km is the feeding ground for over 400 different bird species. The wetlands have naturally formed earthen mounts to provide perching spots for birds to feed on fish and other aquatic species. The best time to visit is between December and February when migratory birds visit the sanctuary.

3. Kaziranga national park, Assam:
Famously known for its one-horned rhinoceros, Kaziranga also hosts various species of birds. Kaziranga is famous for its unmatched ecological importance. The Brahmaputra flows alongside the area making the river basin a basis for all life in the region. It has also been identified as IBA or Important Bird Area as it hosts a multitude of birds such as Jerdon’s Babbler, Black-breasted Parrotbill, Cinnamon Bittern etc.

4. Nainital, Uttarakhand:
In the Kumaon region of West Central Himalayas, one can see a wide range of different flora and fauna. Nainital is home to over 250 Himalayan bird species. The best time to visit is anywhere between November to May. Few species one can spot in Nainital are Chestnut-headed Laughingthrush, Cheer Pheasant, Greater Yellownape, etc. You can experience several walking trails for bird watching here.

5. Chilika Lake, Odisha:
Chilika bird sanctuary in Odisha is one of the most extensive winter grounds for migratory birds. It hosts some of the unique species, such as Purple Moorhen. It also hosts one of the largest breeding grounds for flamingos. The best time to visit is between October to March.

These are a few of the many opportunities you can consider to enjoy bird watching for your next vacation. As mentioned above, bird watching can seem like a tedious exercise, but the results are mesmerising. Keep in mind that you must always carry food, water, and first aid while going birding, as most of these spots are inside jungles or above hills.

Traversing through these terrains might present itself with certain challenges as well. Another essential thing to consider is to invest in general insurance plans before planning to travel. General insurance is sure to add value to your experience while also acting as a safety net for any unforeseen expenses you might face during your trip.

Click HERE to know more about 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.

Travelling is the best way to explore new places and experience things you've never tried before. But often, when it comes to female travellers, it is restricted due to safety reasons. It is understandable how security is a concern for women but don't let it get in the way of your explorations.

The finest places to visit aren't always the most travelled or popular ones. Hence, we have listed some of the loveliest destinations to visit alone or with your girl gang!

1. Bali:
Bali is one of the most amazing locations for female travellers. Besides cultural tours, it is also a great destination to enjoy a beach vacation. The town's laid-back and tranquil ambience makes it safe for single female travellers. The region has a terrific atmosphere that allows you to reconnect with your inner self.

2. Hong Kong:
Regarded as one of the cities with the least crime rates globally, Hong Kong is a must-see destination for all tourists. It has reasonably priced lodging, which is a perk. The city also has one of the quickest modes of transportation, making it a travel-friendly location for solo female travellers in every manner.

3. Meghalaya:
Meghalaya gains fame from its natural splendour, but what distinguishes this state is how smoothly the matrilineal system runs here. Meghalaya treats its ladies with great respect. Not only do you feel protected in this Northeastern state, but you also get to view society from a new perspective.

4. Melbourne:
Melbourne is a secure city for women and one of the trendiest destinations to visit globally. The great cafe culture of the city makes it an attractive choice for cheerful summer holidays. This could be a perfect place for your all-girls vacation since it gives you access to luxury, peace and fun altogether.

5. Switzerland:
It's safe, gorgeous, and full of options for female travellers. Switzerland's attractions include its beautiful mountains and picturesque magnificence. The core of Switzerland is seeing the big cities and observing the cultural fusion.

6. New Zealand:
New Zealand is a beautiful island country scattered in the Pacific Ocean and one of the most fabulous destinations for women to visit alone. Its pride and glory is its stunning terrain, adorned with spectacular beaches and volcanic gems. New Zealand is a piece of heaven on Earth and one of the most fantastic places for single female vacations.

One should never face curtailment in experiencing the different cultures and people worldwide. We hope this article helps you choose the destination for your next trip with your girl gang.

But remember, wherever you travel in the world, your safety and security are in your hands. Always take the necessary precautions and carry travel insurance to cover damages to luggage, theft and other concerns that you might face while travelling. You can check the general insurance online quote from different insurance companies for competitive premiums and additional features. It is crucial for women travelling solo to protect their trip with full travel insurance to stay safe.

Click HERE to get general insurance online quote

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.

Maintaining commercial vehicles like trucks, carriers, tempos, cars, etc., can be challenging at times, but it is common knowledge that regular maintenance ensures a longer lifetime of vehicles. And missing out on these services will result in expensive repair works that can put a load on your pocket.

Hence a wise option is to follow a regular maintenance regime for your vehicle and invest in motor insurance that provides several benefits while also helping you stay on a budget.

Today, we'll look at ways to ensure your commercial vehicles stay in their best shape.

1. Keep a vehicle checklist:
Since various drivers use and drive commercial vehicles, maintaining a checklist is a good idea. This will ensure that each driver is reminded to check fuel levels, tyre pressure, brake systems, and batteries before making a trip. After the initial check is done, they will know all the shortcomings and fix them before departure.

2. Change engine oil:
Since the oil in heavy commercial vehicles can be spoiled by dust and small dirt particles, it is advisable to change it regularly. Polluted oil can affect the optimal functionality of vehicles and cause various issues during the trip that will be expensive to fix. The oil filters should also be changed frequently to avoid an accumulation of dust and other residues.

3. Engine maintenance:
Excessive smoke, decreased power, and loss of oil pressure are a few indicators of engine failure. Ensure that the engine goes through professional checks to identify any additional defects. These procedures involve exhaust temperature, monitoring engine cooling, and boost pressure.

4. Inspect tyre pressure:
For the maximum value of tyres, keeping a check on the tyre pressure is non-negotiable. Commercial vehicles do not stick to one kind of road. They traverse various terrains to cover long distances and undertake multiple business operations. Inspecting the tyre pressure is the best way to increase the life of tyres. Another way of ensuring better health is by rotating the tyres before they wear out.

5. Keep the vehicles in the shade:
Keeping commercial vehicles away from the harsh climatic conditions when they're not under operation helps maintain their shape for extended periods. If garages and sheds are not an option, you can opt for vehicle covers. They also help in keeping the chassis of the vehicle clean.

6. Train the drivers:
Training the drivers in performing minor repair works can help you reduce maintenance costs in the long run. Conducting drills on maintaining the vehicle and dealing with emergencies as a team can help them understand basic procedures and share ideas and tricks.

Compensating your drivers for putting in extra work, providing health insurance, and good living quarters is an excellent way to ensure that the drivers are well-rested and taken care of. This way, they are less likely to cause accidents.

These were a few ways to ensure the better health of your commercial vehicles. Owning a business that includes commercial vehicles comes with its own set of challenges, but regular upkeep and servicing can ensure reduced cost and investment in the long run.

Do not forget to invest in motor insurance, as it will add value to your service by providing a safety net against all expenses in an unprecedented situation such as accidents or machine failure.

Click HERE to know more about motor insurance.

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

Nobody likes to anticipate any worst-case scenario, but we still prepare for them. However, people investing in home insurance in India are as low as 1%. This shows the lack of awareness about the importance of home insurance which makes Indians highly susceptible to financial and property losses that take years to recover. Every individual who wants to secure the future of their family and property must invest or buy home insurance.

Once you buy home insurance, you can recover from household losses more efficiently. However, purchasing a reliable insurance policy is not enough. It is crucial to abide by the strict regulations involved in your home insurance. Every individual must follow the entire list of dos and don'ts of the insurance policy.

To avail the benefits of your home insurance successfully, you must know some of the critical points that can nullify your home insurance.

1. Renting your home:
While you may think you have the complete liberty to rent out your home, this could jeopardise your insurance policy. Several home insurance companies reject the idea of insuring a shared house. Renting out your home or registering it as a homestay on hotel booking sites can become a risk as insurance companies look at it as sharing your property with someone you don't know well. They might consider this threatening enough to cancel your insurance plan altogether.

2. Exaggerating the value of your home:
If you exaggerate or overestimate the value of your home, it can lead to the cancellation of your home insurance plan. Insurers always cross-check the details given by the homeowner and verify them. To help this, you can show an inventory of all the things you own and their actual monetary and market value. It is good to save receipts of appliances, furnishings, etc., to provide evidence.

3. Practising illegal activities:
Illegal activities like the consumption or sale of narcotics can be grounds to cancel your home insurance policy. No company wants to deal with individuals going against the law. Insurance companies provide policies based on the homeowner's character. Practising illegal activities can be a solid red flag. They may nullify your home insurance policy on the grounds of suspicion. Filing fraudulent claims to gain funds from the insurance company is another illegal activity to steer clear of.

4. Long periods of absence:
If you plan to be absent from home for an extended period, you must check the insurance policy's requirements before you leave. Home insurance policies usually have terms for how frequently they need an adult individual to check on the house's conditions. You must request a trusted individual to check on the condition of your home as per the required intervals. This helps verify that the house is protected against any unknown damage, break-ins, or theft. Contact your insurance company before leaving for an extended period to avoid confusion.

Although most Indians are aware of the dangers of earthquakes, natural calamities and other security threats for their homes, they still do not buy home insurance. You may choose an insurance company to buy home insurance online India that provides you financial security with the additional benefit of covering your insured belongings.

So, check the above set conditions and other guidelines of your insurance contract to avoid your policy getting cancelled.

Click HERE to buy home insurance online India.

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

Transportation and trading of commodities have never been more accessible than now. Taxis, tractors, cranes, transport trucks, and other motor vehicles have become standard trade methods in various industries. Often, these vehicles operate outside of the commercial space and are subject to many dangers on the road.

Business owners require commercial vehicle insurance coverage to handle these risks successfully. Owners can purchase insurance covering third-party and own-damage claims and get it renewed as and when needed.

Let's get a better understanding of commercial vehicle insurance in general.

What exactly is commercial vehicle insurance?
Commercial vehicle insurance policies protect owners whose vehicles are used for business purposes. There are a variety of vehicles covered under this policy, including delivery trucks, staff cars, food trucks, and more.
The motor insurance policy provides liability and accident coverage and helps you with the payment of damages and medical costs in case of accidents. It will also cover the towing costs if your vehicle breaks down in the middle of the road.
If you're looking for online motor insurance renewal for your commercial vehicle, you need to first ensure the types of vehicles covered by the policy. Additionally, you can cross-check various insurance companies for the best features and premiums. Online motor insurance renewal is beneficial, especially when you are in the midst of day-to-day business activities.

Types of vehicles covered by commercial insurance.

1. Vehicles that carry passengers:
It includes a variety of vehicles that typically carry passengers, such as cabs, rickshaws, school buses, and private buses. Passenger transport vehicles such as taxis and school buses bear a great deal of duty due to the high volume of passengers they transport regularly. Commercial vehicle insurance protects these vehicles from financial ruin in an accident and also protects the passengers they carry.

2. Vehicles for moving goods:
Goods-carrying vehicles are primarily used for transporting goods from one location to another. Because these vehicles are so enormous and loaded with goods, they pose a greater risk. Damages to a third-party car or one's own vehicle, as well as damage to commodities, are covered under commercial vehicle insurance. It all depends on the policy coverage; therefore, thoroughly read the terms of all the plans before making a final choice.

3. Miscellaneous & Special Vehicles:
Aside from trucks, taxis, buses, and cabs, numerous other vehicles are utilised for business or commercial purposes. Special vehicles for mining, farming, and construction, for example, could be among these vehicles. Insurance for commercial vehicles protects the vehicle from any damage or loss resulting from or caused to the vehicle.

Commercial vehicle insurance has many advantages:

• Commercial vehicle insurance can be deducted as a business cost from your income tax.

• Travel agencies, automobile rental services, and other businesses can buy this insurance plan in bulk. This simplifies the procedure while allowing for a cheaper premium rate.

• It covers any losses caused by unexpected events like theft, fire, vandalism, terrorist attacks, and natural calamities.

• It provides additional rewards in the event of a death resulting from an accident.

• No claim bonus is given during policy renewals if there has been no claim throughout the policy period.

• It provides coverage for the litigation and legal bills that have been filed against you.

Your company's financial stability depends on how efficiently your commercial vehicles work and facilitate the business. Businesses must opt for purchasing motor insurance to safeguard their vehicles from all potential risk factors. Online motor insurance renewal is the best option for companies already owning an insurance policy. Alternatively, you may choose to include several optional coverages with your basic plan for some extra fee.

Click HERE to get an online motor insurance renewal.

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's economy is heavily dependent on the transport of various goods. As the world's second-most populous country and one of the fastest-growing economies, different food and industrial needs can be met only with effective and constant transport operations. Supplying goods for a population as vast as over 130 crore people isn't easy, and various modes of transport are used to meet the demand and supply requirements of the nation. Be it the well-connected train routes or the extensive trucking system, transportation is pivotal for the country.

And while the train pilots are heavily compensated and well paid, the trucking community is often neglected. With minimal pay, over the top work hours and extended working conditions, truck pilots face a lot of trouble.

Today, we highlight the most prevalent trucking violations in India.

1. Sleepless nights:
Truck drivers are constantly working for 12 hours at a stretch. Sometimes this goes on for days non-stop. Covering long distances within a given time can be challenging for the drivers. And sleepless nights and bare minimum food can add to the fatigue.
Research showed that almost 53 per cent of the current driving force face various psychological and physical issues, including but not limited to insomnia, obesity, joint pain, poor vision etc.

2. Extended work hours:
Since most truckers come from low-income groups, they are always looking for ways to work extra hours. This leads to added fatigue and exhaustion.
There have been instances when drivers have unknowingly knocked vehicles from the road and crushed the pedestrians. While there is no mandate stating the number of permissible work hours in India, it is illegal to drive for more than 10 hours at a stretch in most countries.

3. Overloading:
About 10 percent of total accidents are caused by overloading. These accidents can be caused due to various reasons such as tyre burst, loss of balance, manoeuvring the speed on an incline, worn out brakes etc. The weight of the truck changes if it's overloaded, which impacts the centre of gravity, making it challenging to handle the vehicle.

4. Poor health care:
Trucking services neglect the need to provide basic insurance to truckers and co-pilots. The truckers often turn to home remedies and generic medicines in case of injury. In most cases, they cannot afford the treatment as they prioritise reaching the destination on time. As a result, severe back pain and loss of vision have become some of the most common health issues amongst truckers.

Truckers are one of the most villainous communities on the road. However, we need to understand that they are put through extremely hostile work conditions. Providing sufficient health care and funds to truckers should be made mandatory. Limiting the working hours, maintaining a logbook and providing good resting conditions for the drivers can bring a considerable change to the trucking business in the country.

Sometimes, the truckers are responsible for bearing the cost of repairs on the truck while on the road. Burdening the drivers with such extra expense can be avoided by investing in comprehensive online motor insurance and selecting the plans that provide the best benefits. Various NGOs and individual transport companies can look for multiple covers, including health insurance, public accident insurance and motor insurance for the drivers.

Click HERE to know more about buying online motor insurance.

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

Several car owners consider their vehicle to be an expression of themselves. Car enthusiasts may pick aesthetic modifications for their beloved vehicle in the same way a person chooses particular outfits to showcase the style quotient.

Remember, having automobile protection accessories may help prevent any slight or significant wear and tear that occurs over time. Such accessories will undoubtedly keep your vehicle spotless, increase its longevity, and add value to your car.

However, you must strike the correct balance between aesthetic and practical modifications so that your vehicle stands out in terms of both elegance and convenience. Here are several useful and practical extensions to enhance your vehicle's overall quality.

1. Additional fog lamps:
When the primary headlights fail, the extra fog lights turn on. These are primarily helpful if the battery is dead and no other power source is available. They also use the braking system to minimise acceleration in certain circumstances, leading to a lower speed when the vehicle meets an obstacle and preventing it from veering off the road.

2. Side moulding on the body:
This is an excellent option for vehicle owners who wish to armour their cars and protect them from knocks and dents on the road. The resilient material is elastic enough to absorb the impact of slamming car doors against your side. When buying a body side moulding, you can pick from various designs and colour choices to enhance the appearance of your car's exterior.

3. Tyre-pressure monitor:
Some individuals are picky about certain aspects, while others are not. A tyre pressure monitor set could interest you if you fall into the first group. Your car's tyres should always be in perfect condition, and this device guarantees that they have the correct pressure for travel. If there is a deviation, the monitor will notify you to remedy the problem.

4. Grill protectors:
A strong grill shield protects the front of the car from severe damage caused by pebbles, tall grass, and anything that it may kick up. It can also secure the driver and passengers in minor accidents or collisions with other vehicles or wildlife.

5. Jump starters:
A jump starter may serve as a backup power source when your four-wheeler's battery fails. If you like taking long road trips, it is advisable to have a jump starter tool kit in your car. This equipment becomes even more important when driving on frigid terrains or secluded locations.

6. Hydraulic jack:
Always keep a hydraulic jack handy in your vehicle. This mechanical tool can be of great help when you need to change the tyre in case of a puncture. A hydraulic jack can reduce the mechanical effort involved in tilting or lifting the vehicle.

You can select from a plethora of accessory packages and accessible alternatives to further safeguard your four-wheeler. However, before purchasing protective gear, examine how you will operate them for the best benefit of your car's safety and needs.

Aside from protective extras such as tyre pressure monitoring, keyless locking, and additional bumpers, protecting your car with motor insurance is an investment that will surely pay off in the long term. It will provide you with a hassle-free car experience without jeopardising your safety. Therefore, look for the best motor insurance company in India to protect your car, yourself and other drivers on the road.

Click HERE to connect with the best motor insurance company in India.

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

Fishing is an easy sport that can be enjoyed by people of all ages. Many people like to camp near fishing sites and spend time with family and friends. The excitement of holding the rods and attempting to catch a fish and cook it into a delectable dish is a joyful experience.

While fishing is a simple sport, newcomers interested in trying their hand at it might find it difficult to get started. Catching the first fish is a memory to cherish throughout your life, and this blog will help you accomplish that.

Let's discuss the six best tips for newcomers to get started with fishing easily.

1. Research:
It would be best to do some research before heading straight to the pond with your fishing rod. Get a general idea about fishing. Read some books on the basics of fishing to understand the process. You may even watch a few tutorials online to clear the fundamentals of preparing the rod, using the bait, and understanding the techniques involved.

2. Basics:
After you are done with your research and are familiar with the terms and equipment used in fishing, you can get started by understanding the basics and pre-fishing tasks. For example- you can learn how to put baits on the hook, tie knots, etc.

3. Bait:
You need to know about the various types of baits that attract different fish. For example, raw chicken liver attracts catfish. Adding the wrong bait can make it difficult to catch a fish. So acquaint yourself with the proper knowledge about different types of fish and the tricks used to catch them.

4. Location and weather:
Be mindful while choosing a location for your fishing trip. Look up the site on the internet and learn more about the water bodies and the types of fish that might be available (if any). A cloudy sky is considered to be the best weather for fishing. You can also catch fish in other weather conditions, but an overcast sky speaks magic comparatively. If you are not aware of the proper conditions for fishing, it could be a disappointing experience not to find anything to catch.

5. Apparel:
You need to dress for the occasion. In the case of fishing, wear boots since there is a slight chance that you might have to (or by accident) paddle into the water while catching a fish. Dressing according to the weather would make the fishing experience better for you. Wear layers if it is cloudy and chilly. Tie your long hair into a ponytail to avoid getting distracted.

6. Bug spray:
Make sure that you carry bug spray. The places around these water bodies tend to have a lot of bugs and insects (mainly mosquitoes), which might cause trouble while fishing and can get you sick if you are not careful. Using an itch-free bug spray is advisable for a comfortable fishing experience.

That's a wrap on the six best tips for newcomers in fishing. You have to be quiet around the edge of the water bodies to catch fish efficiently. Even a slight mistake can be risky and may land you into unwanted trouble. So, get the best personal accident insurance India to protect yourself against any unfortunate incidents and make your fishing experience a memorable one.

Click HERE to know more about how you can buy the best personal accident insurance 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.

Multiple studies claim that the paint of your home plays a significant impact on your mood. When your eyes connect with various shades, your brain automatically releases different chemicals that enhance your mood.

Colour therapy plays a vital role in the healing process by making you more expressive and lively. For example, if your walls have dull tones, you will likely feel lazy, sleepy, or tired. Similarly, bright shades bring a freshness that cheers you up by making you feel energetic.

This blog will list how different colours used in your home can impact you and make your home feel alive.

1. Red for high energy and power:
Red signifies power and energy within you. Although a dark red would look awful on your wall, a lighter shade can signal courage, strength and promote alertness.

2. Lilac for calmness and relaxation:
Painting your room with a lilac shade will help you feel calm and relaxed. Imagine waking up with a feeling of peace and positive vibes surrounding you. It will mark the start of perfect daily mornings. That’s the power of Lilac!

3. Light green for positive energy:
Light green depicts the shade of nature and symbolizes peace, balance, refreshment, and reduces stress levels. Shades of green can go a long way to help you feel relaxed and stress-free.

4. Pink for happiness:
Pink is highly recommended for bringing a feeling of happiness and joy. You can paint your room pink, indicating the positive energy around. However, pink carries a misconception that it belongs to girls. But that’s not entirely true. Pink is a vibrant colour and has shades that are considered gender-neutral.

5. Cheer up your mood with yellow:
Yellow is widely known for its cheerfulness, simplicity, and elegance. Even though yellow may not be an ideal choice for many people, you can use it to paint your cabinets and other furniture attachments in the kitchen to add a bit of spring. Now imagine waking up to make your coffee and feeling enchanting around!

6. Violet for increasing artistic ability:
Violet stimulates our brain’s problem-solving capacity and promotes artistic ability. Both teenagers and adults prefer violet for its calming, creative promotion, and deep feeling. However, note that overusing a colour may result in suppressing emotions and feeling insecure. So when choosing violet, ensure limiting the quantity.

7. Blue for rest:
The colour of the sea and sky promotes a feeling of renewal. Curling up in your bed with a beautiful blue shade around your room can help in eliminating insomnia and induce deep sleep. Blue is usually known as “cool colour”, making you feel rejoiced and relieved.

8. Warmth of orange:
Orange promotes joyfulness, cheerfulness and invokes feeling emotionally intense. For relationship building and encouraging interaction, orange can be a perfect fit for your bedroom.

Wrapping Up!
“Colour is a power which directly influences the soul” – this insightful quote of Wassily Kandinsky depicts how different colours reflect on our day-to-day life. Happy, calm, cheerful, or motivated? You’ve got a handful of options of the colour pallet to select for your home.

While the colour of your home can affect your mood, it is essential to coordinate other aspects too. Along with appearance, it is also essential to cater to the security of your home. The gleam of beautiful walls and attractive ambience can be an open invitation to the thieves. So instead of worrying, relax and get a shade of home insurance for your home to make it secure.

Click HERE to know more about the home insurance plans that best fit your requirements.

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

Home insurance is one of the most common insurance that people buy, but most of the buyers do not know about the complete limitations and benefits of such insurance policies. There are certain myths related to home insurance policies that are still prevailing in people’s minds. You can find a person buying the best home insurance in India, but he/she will be under the myth that the insurance policy does not cover this or that. People need to properly read the offer and scheme related documents before they are deciding on buying any particular policy. Some of the myths that have been there in people’s minds for long periods have been debunked here: -

1 If the damage to the home is severe enough that it is beyond repair and you cannot live in it while it is being repaired or renovated, the insurance company will put you up in a hotel or a serviced apartment temporarily while the work is being done. This is true for some insurance plans but not all insurance plans and if loss-of-use is there, it will be clearly stated in the policy. People should not be under the myth that Loss-of-use is present in all policies else they will have to bear a huge financial burden of paying the hotel fees as well.

2.Many people believe that their belongings lost in the fire will be replaced with new ones if they have a policy. However, most of the policies do not have this clause. Instead, the losses are calculated by what the items were worth before they were lost in the fire. A four-year-old computer that you bought for Rs. 50,000 may be worth only Rs. 13,000 before the calamity and the insurance company will calculate the loss by counting the price of the computer as Rs. 13,000 and not the original price of Rs. 50,000.

3.Even the plan which may be the best home insurance in India may omit coverage against flood. Floods can occur due to several reasons, such as a storm, hurricane, ruptured pipes or drainage stoppages, or ruptured sewer backup but most of the times flood is not included in the policy. If you live in a flood-prone area, there are special flood policy packages offered by selected firms but in general, it is not included in a home insurance policy.

4.People generally believe that low premium means low insurance coverage, but this is not true. You can lower your premium in many ways without reducing your coverage if you take safety precautions of your own to protect your house. If you have security devices such as fire alarms or burglar alarms installed at your house, you can tell that to the insurance provider, and your premium can be lowered.

After the fire tragedy, some items are destroyed or damaged to such an extent that for the insurer, it could be challenging to identify for assigning the claim. So, as a responsible party, you ought to click as many pictures and shoot videos as possible of the damaged, smoked rooms to show the physical evidence of the actual damage before it gets wiped by a restoration company.

5.This is a myth that you need to be a homeowner to buy home insurance. You can very well buy home insurance for your belongings and contents of the house without being a homeowner. A tenant can purchase home insurance for his belongings and in case the tenant shifts; the policy can be approved for a change of address as well. Not only this, but the homeowner can also get home insurance for the structure of the rented accommodation or the house in which there are tenants living.

While buying even the best home insurance in India, you need to be careful and read all the documents for the policy carefully to understand what all things are included in the insurance and what all things are not included in the insurance. Different policies are accommodating different perils and you must choose the one that fits your requirements the best.

Climate change is the shift in the temperature and weather patterns over a long period. It affects the entire planet by causing abnormally cold conditions in some parts of the earth, while some areas witness extreme heatwave conditions. Some regions are experiencing long dry spells, while others are experiencing devastating floods.

Human activities are primarily responsible for the rapid climate change across the planet. Excessive burning of fossil fuels like oil and gas and irresponsible exploitation of natural resources result in climate change. If you wish to buy home insurance online India to deal with damages due to untimely incidents, here’s how this may directly impact you.

1. Increase in premium:
Some regions of the planet are witnessing a higher impact of climate change and increased natural disasters such as floods, wildfires, deep freeze, rise in sea level, etc., than others. Home insurance premiums have shot up at an alarming rate in such regions. It is becoming very costly for homeowners to buy home insurance online India policy in such areas.
This is logical as the risk of insuring houses in these places and the number of claims is rising. Hence, it is becoming financially unsustainable for insurers to provide insurance services at the prevailing rates. Home insurance premiums have increased by around 10%-12% on an annual basis. This rate varies and is even higher for houses in heavy disaster-prone areas.

2. Rise in the number of inhabitants:
Disaster-prone areas offer inexpensive land, which increases their demand. This results in the increasing population and limited availability of land in disaster-prone areas. However, houses in areas prone to flooding or nearby forests always have a higher risk.
Houses near a forest always pose a higher chance of starting a wildfire by accident. More house inhabitants mean more damage during severe flooding or other natural disasters. These factors influence home insurance policies, their terms and conditions, and premium in areas vulnerable to natural disasters.

3. Difficulty in getting home insurance:
Residents in regions that are witnessing disasters due to climate change are finding it difficult to get their homes insured easily. The probability of damage to their houses is very high because of the topography of their area. For example, rising sea levels due to climate change threaten the existence of dwellings close to the sea shores. Several cities in the world face the risk of extinction by submerging in seawater due to rising sea levels.
Insurers are not interested in insuring houses in such high-risk areas. This makes it difficult for people to get their homes insured, even after shelling out high premiums, which are often unaffordable for the middle & low-income strata. This increases the risk of complete financial ruin in the event of a natural disaster.

Abrupt climate change is catastrophic. It can cause extreme heat or cold conditions, floods and droughts, hurricanes, and tornadoes. Moreover, it can also result in biodiversity loss. Although climate change is inevitable, we can control the pace with which it changes. With the risk of abrupt climate change looming on our heads, the wisest decision in these times is to buy home insurance online India. Opt for comprehensive coverage against damages to the home structure and contents, loss due to short circuits, fire, floods, etc.

Click HERE to buy home insurance online India.

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

Crowded places are a feast for pickpockets. They can easily pick our pockets while we move in cramped surroundings such as a busy market amidst the constant crowd nagging of people around us. Pickpockets do this so skillfully and swiftly that we are left unnoticed and outwitted. Losing our wallet can be frustrating, especially when it is loaded with important documents such as the driving licence, Aadhar card, voter id card, and even credit or debit cards. Moreover, the loss of money can be very harsh and painful for most of us.

So how can we deal with such situations? Here are some tips for outwitting pickpockets and staying safe in crowded places.

1. Move your wallet to your front pocket:
Never keep your wallet in the back pocket in crowded surroundings. Pickpockets can easily pick your back pocket, and you will hardly know it amidst the crowd. Therefore, use the front pocket of your trousers to keep your wallet. Outwit the pickpocket by keeping only those articles in the back pocket that are not very valuable.

2. Multiple wallets and pockets:
You can keep two wallets/handbags rather than just one. Keep your valuables and documents in a wallet in your front pocket or a handbag that you can keep close to you. Keep the lesser valuable products in the 2nd wallet in your back pocket. The pickpocket will be outwitted when he finds that he has taken away some useless items from your back pocket while your valuables are safe. Also, you can use multiple pockets in your bag to hide your valuables and divide your risk.

3. Do not show off:
Do not flash your expensive laptop, phone, jewellery, cash, camera, etc., in a crowded public place. Take them out only when it is necessary.

4. Lock your bags:
Carry small locks with you and lock your bag while moving in a crowded place. The pickpocket will not be able to open it in the middle of the crowd, and you will be safe.

5. Hidden pockets:
Nothing better than a hidden pocket in the front of your trousers or jeans. Pickpockets cannot reach there, no matter how much they try. Also, buy goodquality backpacks and purses with multiple hidden pockets and good build quality. The pickpocket will not be able to determine which pocket carries your valuables.

6. Disguise and hide:
Use smart hacks and disguises to outwit the pickpocket. If you need to carry valuable jewellery while going through a crowded place, hide them in your bag inside a small cardboard box. A ring can go inside a matchstick box. You can take a used burger box if you need a bigger box! Moreover, you can use a file folder to hide your laptop.

7. Carry your backpack facing the front:
While going through a crowded area or using local transport, pull the front portion of the backpack with the chain facing the front. This way, the pickpocket cannot open it from behind you.

These were some hacks you can use to outwit a pickpocket in a crowded place. Apart from these, simply go the digital way! Carry minimum possible documents with you in hard copy. Rather, carry them in soft copy format on your phone or laptop.

In case a pickpocket picks up your wallet, you lose all the important documents along with it. Do not let this happen to your bike insurance policy. Ditch those lengthy insurance papers. Buy the best bike insurance online and save yourself a fortune. You will save money on agent commissions and have a soft copy of the policy on your mobile phone. Overall, it’s a win-win situation for you and us as the insurance provider. The only loser, in this case, will be the pickpocket!

Click HERE to buy bike insurance online.

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

Preferred amongst different economic strata, scooters and bikes help manoeuvre through tight-packed traffic and poorly maintained roads with precision. However, the lack of an effective safety system makes them a risky option, so buying the best two wheeler insurance in India is necessary to protect your two-wheeler against damages and allied losses.

While damages from accidents and maintenance costs of the 2-wheeler are covered by insurance, does the same apply to its additional fittings of glass, fibre, silicon, etc.? Read on to find out if such depreciable parts are covered by your two wheeler insurance policy.

What are depreciable parts?

With consistent use, the value of any vehicle is bound to depreciate. In two-wheelers, the primary function is served by the engine and mechanical parts. However, there are smaller parts made using relatively weaker materials, like silicon, rubber, etc., that inevitably depreciate sooner

Are depreciable parts covered under comprehensive insurance?

A third-party insurance policy is often lacking to provide coverage for depreciable parts. You may have to purchase an add-on cover for several of its excluded items, and depreciable fibre parts are one of the many partial exclusions. Generally, two wheeler insurance only partially covers the repair and replacement costs of the depreciable parts alone. Instead, they cover a marginal percentage of the expense, leaving you to shoulder the burden of the rest of the amount.

The general depreciation cost percentage.
Most two wheeler insurance applies the following depreciated cost percentages on fittings based on their material:

● Fibre: 30%

● Glass: 0%

● Nylon, Plastic, Rubber: 50%

● Battery, Tube, and Tyres: 50%

This implies that the insurer assumes the above-stated depreciation rates to affect the part and only pays the depreciated cost percentage of the repair or maintenance cost. The remaining amount is borne by the insured, which is often a significant portion of the expense.

Additionally, the vehicle’s age also determines the following approximate rate of depreciation:

● Up to 6 months: 0%

● Up to 1 year: 5%

● Up to 2 years: 10%

● Up to 3 years: 15%

● Up to 4 years: 25%

● Up to 5 years: 35%

● Up to 10 years: 40%

● Above ten years: 50%

However, an alternative is available to ensure that your insurance provider bears the expense.

Zero Depreciation Add-on Cover.

In case you have a standalone own-damage insurance or comprehensive insurance, you are eligible to purchase an add-on zero depreciation cover for your two-wheeler. By purchasing this add-on, you can claim the entire cost of repairing or replacing depreciable parts from your insurer.

Check the inclusions of policies when comparing alternatives to find the best two wheeler insurance in India that covers fibre, glass, rubber parts, etc.

Exclusions under zero depreciation add-on. Even after purchasing the add-on to the best two wheeler insurance in India, there remain some exclusions that you will have to bear, including:

● Vehicles older than five years

● Costs of over two claims during the policy period

● Machine-driven breakdown damages

● Damages due to uninsured risks

● Depreciation due to general wear and tear

When to buy zero depreciation add-on. While it is a beneficial facility, consider purchasing a zero depreciation cover if:

● You own a limited edition or premium 2-wheeler

● You live in an accident-prone area with heavy traffic

● Your vehicle is not older than five years

● The cost of individual repairs of depreciable parts is estimated to be greater than the cost of the add-on

Depreciation is an inevitable loss of asset value. Although most insurance covers do not provide for expenses relating to depreciable parts, an add-on zero depreciation cover can convert your preferred insurance into the best two wheeler insurance in India.

Click HERE to buy the best two wheeler insurance in India.

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

Research states that over one third of vehicles on the road are motorcycles. Found to be cost-effective, easy to ride, and convenient, motorcycles are used extensively in rural and urban areas. They can tackle rough roads and get you to your destination while skillfully getting you out of traffic.

While motorcycles have a significant user base in India, they also have their fair share of problems. The lack of safety is a primary concern with these vehicles. Riding at high speeds on under-maintained roads in a country where traffic rules are not strictly followed has resulted in hundreds of road accidents daily.

This alarming information should be enough to prompt you to purchase online motor insurance if you do not have one already. It is necessary to have insurance to cover any possible losses from damages to you, your vehicle, and third-party property.

While online motor insurance can protect your post-accident damages, here's a quick guide to prevent and tackle motorcycle wobbling when riding at high speeds.

What causes motor cycling wobbling?
Your motorcycle can wobble due to many reasons, even when not at high speed.
1. Defective tyres – Ensure you evaluate the tyres' pressure and build before taking your motorcycle for a ride.
2. Worn equipment – Motorcycles used at the wrong tyre pressures or overused bearings that are worn out are potential causes for wobbling. You must check the parts of your motorcycle and ensure that they are in perfect condition to facilitate long-running and prevent mishaps.
3. Irregular road surface – A sudden change in the road surface in the form of an irregularity such as a pothole while in acceleration is likely to cause your handlebar to shake.
4. Rapid acceleration – If you consecutively accelerate the bike, it cannot keep up with the rapidly changing speed and may wobble violently.
5. Instant slowing – You may also experience shimmying while decelerating from a high speed. This is caused due to the instantaneous changes in speed.

What you shouldn't do when your handlebar wobbles?
If you feel a slight shimmy and are sure it is not due to any motorcycle defect, do not grip harder onto the bar to stabilise it. Continue holding on in the same way and allow it to adjust to the surface. Do not let your eyes stay on the road beneath. Instead, look straight and assess the road ahead and the vehicles around to keep yourself at a safe distance from others.

Tips to ease out the wobble safely:
Assessing the situation is key in such a situation. If it is a well-maintained motorcycle on an irregular patch of road, do not worry. Do not tighten your grip on the handle and allow your bike to balance itself on the surface. The wobble, in this case, would be slight and can be easily overcome by the motorcycle in a few seconds.

If it is a motorcycle issue, the wobble will be much stronger. In such a case, here are some tips for riding out the wobble:
1. Slowly engage the rear brakes – At no cost should you use the front brakes, which will cause an accident. With applying rear brakes, your bike may wobble more at first, but it will slow down.
2. Lean forward – While it may not solve the problem alone, it increases resistance and may help slow down your bike.

These are the only ways to slow down your vehicle. Assess your possible options based on the road ahead. If there is a greater obstacle that your motorcycle is bound to crash into, it is best to abandon the vehicle. Your online motor insurance can cover any damages to your bike. However, if the road ahead is straight, keep your calm and engage the rear brakes slowly. You will eventually be able to decelerate and get out of the wobble and regain control.

While bikes are convenient vehicles, we strongly recommend riding motorcycles at acceptable speeds where you can easily control them to prevent mishaps. Online motor insurance is a must that can prevent any potential financial burden and have your back during emergencies.

Click HERE to buy an online motor insurance policy for your motorcycle.

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 are several issues raised when women pillion riders sit in a side-saddle position. Balance is the primary safety concern, amongst others. A significant safety hazard might arise from this posture. The pillion rider must be seated with the two-wheeler balanced between their legs and then place one hand over the driver's shoulder while holding onto the seat with the other.

Side saddling, more often than not, is an unpleasant experience. However, women are inclined towards this positioning because of their choice of clothes or because they feel like they are more in command of their bodies in case of an accident or a crash.

This is an added hassle for long trips and can be dangerous for the following reasons:
● The probability of an accident increases when a female rider moves around and repositions herself.
● Road traffic injury rates increase because of the fall of pillion riders in side-saddle posture.
● Frequently travelling in this position can give rise to severe back and shoulder pains.
● There are numerous ways that rainy weather might cause two-wheeler crashes.

How side-saddle posture affects women?
● With less space for your foot, side saddling can cause muscle soreness and uneasiness.
● Female passengers sitting side-saddle, in particular, typically lack backrests, which causes back and shoulder strain when riding for prolonged periods.

Problems faced:
● The pillion rider cannot equally distribute their body weight across both sides of the two-wheeler. At the same time, in a side-saddle position, the tiniest movements can cause a disbalance, create discomfort to the rider, and may also lead to an accident.
● Women riding as pillion in traditional attire are required to grasp the loose ends of their attire or sit on the loose ends. Both alternatives still provide sufficient space for the clothing to become tangled up in the two-wheeler.
● It is typical for ladies wearing traditional clothing to ride side-saddle because none of the clothing options—saree or skirt—allows for discreet or comfortable seating.
● Additionally, when a piece of long dress fabric gets trapped in a tyre, it increases the probability of various collisions. The two-wheeler will come to a complete stop. As a result, it possibly throws both the driver and the passenger off. The road in front of the pillion riders is only partially visible to them.

A two-wheeler has many advantages, particularly in terms of time savings. More and more people are choosing to travel by two-wheeler, particularly in cities where traffic and congestion are major issues.

However, two-wheelers make up the majority of traffic accidents in India. It increases the possibility of injury to the driver and pillion rider or damage to the two-wheeler. This may result in increased financial distress. That's why it's very important to buy a two wheeler insurance India policy.

It is advisable to avoid travelling in a side-saddle posture, but if it is necessary, then you must take all the precautions needed for a safe ride. Always ensure that you prioritise safety and accordingly use safety measures like a helmet, knee guards, etc., to reduce the impact of accidents if you meet one while riding.

Click HERE to buy two wheeler insurance India 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.

Accidents are a common occurrence these days. They can cause major upheaval and disrupt our entire life at once. Not only does an accident cause financial damage, but it also builds a lot of anxiety, stress, and fear among individuals.

A lot can happen when an accident strikes, whether physical harm or mental discomfort. From road accidents to mishaps at workplaces or homes, unfortunate events can take place anywhere. You need to be cautious and take all the necessary precautions to protect yourself and avoid injuries. In addition, securing yourself with suitable personal accident insurance plans is crucial to prevent financial chaos after such incidents.

A shoulder dislocation is one of the major and most common accidental injuries. It can result from injury due to playing, road accidents, or slipping in the bathroom. Whenever a large blow is delivered to your shoulder, it can result in dislocation.

How do you treat a shoulder dislocation and take care after the injury? Let's find out!

What are the symptoms of shoulder dislocation?

Shoulder dislocation results from heavy damage to the shoulder joint due to the high-intensity impact after an accident. These are a few symptoms to diagnose dislocation:

● Swelling

● Severe pain

● Numbness of arm

● Redness

● Bruising

● Tingling sensation

● Visibly out of place shoulder

How is shoulder dislocation diagnosed?

If you notice the above symptoms, always seek immediate medical help. A doctor diagnoses the condition by asking relevant questions about the symptoms you are experiencing. If it correlates with shoulder dislocation, it is diagnosed accordingly. Muscle relaxers are then administered immediately to the patients to reduce pain.

Once the patient is stable, an MRI or CT scan is undertaken. It helps in revealing any broken bones in the body. Sometimes a dislocation can be diagnosed by simply touching.

How to treat shoulder dislocation?

A shoulder dislocation does not require any surgery. Your doctor can easily diagnose it. It will then be carefully put back in its place to heal. The treatment requires:

● Use of pain medication to ease the pain and discomfort caused by the dislocation. If the pain is severe, a numbing agent can be used to provide relief.

● The shoulder is carefully put back into its designed place by your doctor. It stops severe pain immediately.

● A splint or sling is to be worn for 7-10 days for proper healing of the joint.

● The doctor recommends icing the shoulder every day at least 3-4 times.

● After healing the joint, you need to go to a physiotherapist who will provide you with light exercises for the proper functioning of the joint after injury.

How to prevent shoulder dislocation in the future?

Shoulder dislocation usually occurs while playing sports or an accidental fall. It is advised to wear protective gear while playing any kind of sport to avoid an injury later.

A small mistake today can lead to bigger problems tomorrow. An injury to any body part can cause long-term problems in the future. The shoulder is an important body part that should be protected at all costs. Regardless of everything, you should know about personal accident insurance plans in advance to avoid exhausting your money on treatments and medications.

Click HERE to know more about personal accident 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.

The festive season is just around the corner! With dresses and outfits being shopped, everyone is excited for the busy times of the year, whether it is a festival or family celebrations. With all this preparation, one must not neglect their skincare.

From the harsh sun rays to constant dust, our skin goes through significant damage daily. All these factors eventually lead to pigmentation. Many people get deeply insecure about spots and areas of the skin that are pigmented. This holiday season, put your best foot forward in skincare and glow with pride!

This blog gives you some tips for dealing with pigmentation and being occasion-ready!

Chemical methods:
It has been a long-held Indian belief that anything chemical harms the skin. While that may be true in certain situations, if used correctly and in the right quantity, these products can give an instantly brighter look to your skin so that you look flawless on any occasion.

1. Exfoliate:
With the daily pollution and sun exposure, it's no wonder our skin looks dull and dreary. The main reason for dull, pigmented skin is this layer of dust and dead skin cells that develop under the skin. Scrubbing and exfoliating is a great way to eliminate this layer and give you glowing, spotless skin. However, get a scrub for your skin type to avoid further damage.

2. Extraction and hydration:
A small, vacuum-like product has recently been available on the shelves of cosmetic stores and has revolutionised extraction. Gently massage your skin with this vacuum to clear all debris and remove all the whiteheads and blackheads from deep within your pores. Use intense moisturisers after this process to retain the skin's natural hydration, and watch how it rewards you with a brighter look.

3. Vitamin C:
Did you know that vitamin C is the key to glowing skin? Fruits like lemons, citrus, strawberries, and blueberries will lead your way to good skin and deal organically with pigmentation. These fruits have an abundance of antioxidants, adding an instant radiant shine to your skin.

4. Sunscreen:
The primary reason for pigmentation is sun exposure. The sun emits harmful UV rays that kill skin cells and causes those dark spots. Liberally apply sunscreen each time you leave the house to have healthier skin in the long term.

Now let's look at a few home remedies to get visible results naturally:

Although artificial methods can help to a large extent to improve your skin, there's nothing that beats lifestyle changes for long-lasting clear, and glowing skin.

1. A good sleep:
The body heals and repairs itself when you get your 08 hours of sleep each night. Often, we overestimate our body's ability to stay awake and pull several all-nighters. This leaves the skin feeling dull and rough. On the other hand, when you're well rested, there's a visible glow on your face that comes from the collagen production and blood flow while you sleep. So, kick back, relax and get your beauty sleep, especially before going for a function!

2. Shorter showers:
A long, warm shower is relaxing to the body and mind, but it has the opposite effect on the skin. It strips the skin of the natural oils produced and can leave your skin dry. The best kind of shower for the skin is a cold or lukewarm one that lasts about 10-12 mins.

3. Honey and saffron:
This combination is the best for hydrating your skin, leaving it feeling soft and fluffy

Take adequate rest, bring discipline to your eating habits, and wash your face regularly, especially after coming home from outside. The good health of your stomach also plays a vital role in maintaining the freshness of your skin.

Your skin greatly depends on your lifestyle and how you maintain your inner health. Have regular full-body check-ups to improve your overall health. Research the best online health insurance for optimum protection and be assured of the expenses involved. Your skin is your personal outfit, and keeping it shining is paramount to having a confident look and being occasion-ready.

Click HERE to know more about 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.

Riding a motorcycle is one of the most ethereal experiences that you can encounter in your life. Be it a crowded market or the lush green valleys of the Himalayas, a bike ride is perfect for every occasion. The thrill, excitement, and adrenaline rush that a bike ride gives you will always be unmatched.

But did you know that riding a bike can have health benefits besides getting an adrenaline boost? Surprised, aren't you? Let's find out the different health benefits you can have from riding motorcycles.

1. Builds core strength:
Whenever you ride a bike, you need to maintain the correct position. For longer bike rides, the body's posture must be maintained. It ultimately contributes to greater core strength and flexibility.
You must work on your core to stay upright on your ride. Your body posture maintains the correct shape and form while riding a bike. It is a great exercise for you.

2. Strengthens thigh muscles:
This is one of the hidden benefits of riding a motorcycle. If you're experiencing any issue with your knees or thighs, it can easily be resolved by riding a motorcycle. When you ride a motorcycle, you need to apply a lot of strength on your knees and thighs without straining them too much. A little movement can do them well. Riding a motorcycle is no less than a physical exercise that your legs necessarily need.

3. Boosts neck strength:
If you spend a lot of time on your phone or laptop, you will likely develop neck problems and a painful strain in due time. The best way to tackle it can be by riding a motorcycle. It helps in boosting your neck strength and eliminates the risk of developing a strain or cramp there.

4. Burns calories:
When you ride a motorcycle, you burn calories. When you are in the driver's seat of a motorcycle, you are likely to put in a lot of effort in riding the bike. Your entire body is in an active state with your senses alert, which demands more energy to maintain coordination. This can aid in burning calories. You can burn up to 50 calories by simply riding a bike. This is not possible in the case of other vehicles.

5. Boosts mood:
Although there are numerous benefits of riding a motorcycle, it also greatly impacts your mental health. It boosts your mood and uplifts you. You can cheer yourself up and feel relaxed by setting out on a fulfilling bike ride. It stimulates the happy hormones in your body. It is great for people who are suffering from depression or anxiety. It is an effective way to lift your mood and make you feel better.

These are the numerous health benefits of riding a motorcycle. It not only helps build your physical health but also positively affects your mental health. Apart from the convenience of commuting, it is also important in staying motivated and in the pink of health. If bike riding is your comfort, securing it should be your responsibility. You should buy bike insurance in advance regardless of where you ride your motorcycle. It will add a financial safety net to cover the hefty expenses of damages to your bike.

So, invest in comprehensive bike insurance and enjoy multiple benefits at an attractive premium.

Click HERE to purchase the best bike insurance.

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

A keyless ignition system is an electronic access system that allows us to enter the car and start/stop it without the physical metal key. It is operated through a device known as the key fob or the smart key. The car verifies the key electronically and gives access to the driver.

Keyless ignition was introduced in the 1990s. It was a special feature in high-end cars until a few years ago. Now it is gaining popularity and can be found in the standard variants of several cars.

Let us go through the keyless ignition system in detail and the facts we need to know about it.

How does it work?
A keyless ignition system works through a key fob which is a radio transponder. It sends a radio signal to the car, signaling it to unlock the doors and give access to the car. We can then start or stop the car by pushing a button or turning a switch. The system also acts as an immobilizer to protect your car from thieves. The system works if you are within the car's range, usually 10-15 feet. A corresponding RFID chip in the car identifies the correct key fob electronically and gives access.

What is the importance of keyless ignition?

1. Convenience:
The foremost importance of keyless ignition is the convenience that it provides. Every driver would love to walk to his car and access it without fumbling for keys in his pockets. Your car will start and stop with the push of a button, and you no longer need to turn the metallic key or face an unpleasant ignition experience.

2. Style:
The key fob is a symbol of style and elegance. You don't need to take out the car keys to enter the car.

3. Security:
The keyless ignition system provides security to your car. Thieves cannot open the car and start it as you cannot do it without having the key fob with you.

What are the disadvantages of keyless ignition?

1. Chances of malfunction:
A keyless ignition system is eventually an electrical system that can sometimes fail. If your car battery dies, the system will not work, and you will get stuck.

2. Expensive to repair:
If your key fob gets lost or stops working, the service or changing the components is costly and time-consuming.

3. Risky:
The system can be risky as kids can easily switch on your car if you leave the key fob inside the car and go away, even for a minute. Moreover, there is a high risk of a person leaving the engine running and walking away when he forgets to push the "stop" switch. Your car engine will keep running until it runs out of fuel.

We cannot deny that the keyless ignition system is a fad we all love. It can be very convenient and useful if we use it carefully and keep constant track of where our key fob is. Always watch your car if you are moving out but are still in the radius. Your car's safety is your responsibility, and a car insurance policy provides us with similar safety and convenience as a keyless ignition system.

Gone are the days when you had to run behind an agent to get the car insurance policy of your wish. You need to go online, choose the best policy from a variety of available options, fill out the required details and buy car insurance policy online!

Click HERE to buy car insurance policy online.

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

Riding a motorcycle into the sunset, with the wind blowing on your face, is one of the most surreal experiences to cherish. Previously, this arena was predominantly occupied by men, but nowadays, more women are drawn to the pleasure of riding. However, riding a motorcycle is dangerous for both genders unless the proper measures are considered. Statistics show that motorcyclists face almost 30 times the risk of an accident being fatal than one driving a car.

To have a safe and fruitful experience in driving a bike, here are some tips that female riders should keep in mind:

1. Check your comfort level with the bike:
Female riders must find a bike best suited to them. Many factors must be considered, such as seat height, bike weight, etc. You should be able to comfortably put both feet on the ground while seated and must be able to pick up the bike if it accidentally falls. Make a list of bikes to compare, and research every single one to find your perfect match.

2. Dress appropriately:
Dressing for occasions is very important, but so is dressing appropriately for biking. It is important to remember that every bit of skin exposed might get significantly hurt during an accident. Leather jackets and pants are the preferred outfits when biking and will help face any abrasions. Gloves and boots are other accessories that help a great deal. However, the most essential gear a biker needs is a helmet, preferably a full-face one. If you prefer to wear a half-face helmet, be sure to wear goggles and a face mask.
And, if you are commuting in your Indian attire, you must be careful that it doesn’t mess with your motorcycle’s tyre while in motion.

3. Prevent hair from coming onto your face:
Long hair becomes a hassle for motorbike riders. If it is kept loose and untied, it will move around, causing a distraction to the rider. Also, it might come onto your face, reducing your visibility, and becoming a safety hazard.
Although it’s an excellent alternative to tying your hair in a pony or a bun, this might get uncomfortable under a helmet. The best solution is a low braid, which will give comfort and prevent your hair from getting jostled around and messy.

4. Maintenance is key:
Learning to do basic maintenance is one of the key duties of every motorcycle rider. Learning how to change oil, lube up certain bike parts, or check the tyre pressure regularly are just a few. These skills can be picked up easily by using the internet or simply picking up an owner’s manual.

5. Keep your driving licence and insurance up to date:
A driving licence is necessary for any rider, male or female, before riding the bike. You can apply for a learner’s licence, take the test, and then get the permanent licence issued under your name.

2 wheeler insurance is an essential document to keep handy with you all the time. With the ever-increasing road accidents, it is advisable to keep your motorcycle protected by reliable 2 wheeler insurance against theft, damage, and other concerns that might vent your pockets.

There is always a risk involved in riding a vehicle on the road, regardless of what gender you are. It can only be reduced with abundant experience and remaining cognizant of the road. With an increase in the ratio of female riders, there is a significant boost in the confidence of women who aspire to own and ride a motorcycle. And with proper training and regular riding practice, this can be possible. You must ensure your safety, follow all the traffic rules, keep your 2 wheeler insurance up-to-date, and ride confidently. Happy riding!

Click HERE to know more about 2 wheeler insurance.

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

Surgery or an operation is a significant event in one’s life. It affects the quality of the person’s life during recovery and may even alter the rest of their life. The intensity with which you might have been doing your activities might get dampened due to the aftereffects of surgery. You must be very careful while performing your daily chores and adapt to a more disciplined behaviour to emphasise aftercare and avoid severe complications.

While medical professionals take utmost care during the procedure to limit the damage and help the patient recover, it is up to the person to rest and allow their body to recover completely. However, surgery cannot put a person’s life on hold. Several responsibilities and duties need to be fulfilled in one’s day-to-day life.

Driving is one such activity that makes life convenient but can get difficult post-surgery. This article discusses some safety tips to keep you safe while driving post-operation.

1. Avoid driving until 48 hours post-operation:
The effects of anaesthesia or any other drug administered during the procedure may still affect your senses and cloud your judgement. It is best to avoid getting behind the wheel at least two days after the surgery. Having friends or family drive you back home or hail a cab is advised.

2. Consult your doctor:
Only your doctors can give you accurate estimates of when you will be able to recover. While it is advised to wait until the entire advised rest period is over, you can consult your doctor to find the best time to get back to driving. Only drive after getting your doctor’s approval. Till then, continue to indulge yourself in mild exercises and stretches.

3. Check your range of mobility:
Drivers need to have a full range of motion and vision. If your mobility is restricted or vision is impaired, you are not fit to drive and are putting yourself and others at risk. Do not drive under either of the circumstances mentioned above.

4. Have a licence-holding passenger accompany you:
It is better to have a passenger with a driving licence issued by the Government beside you even after the doctor deems you fit to drive. In case of any difficulties, the passenger can take control of the vehicle, and drive you safely to your destination.

5. Go for short drives:
Let the first few drives mimic the driving lessons you took as a beginner. Keep the distance short and focus on the basics- lane driving, assessing your position on the road, and checking your reflexes. While it may be frustrating, it will keep you safe and help you get accustomed to driving post-operation. Take this as a challenge to make a swift comeback to your regular driving regime.

Why your insurance may not cover your driving accidents post-surgery:
A personal accident insurance policy is undoubtedly helpful in covering medical and allied costs. However, it may not cover accidents immediately after a medical operation. Since an accident caused due to pain or impairment due to the surgery is a known cause, it becomes the insured’s responsibility to pay for the medical costs incurred for the treatment. Medicinal intoxication is usually covered under a personal accident insurance policy, but pre-existing injuries are exempted from insurance coverage.

*Note: Verify all the inclusions and exclusions with your insurance provider for a better understanding.

While a personal accident insurance policy does not cover already existing injuries, we strongly recommend purchasing it to cover unforeseen accidents and thoroughly check the conditions to protect yourself.

Just as you ensure your wellbeing, it is equally crucial to insure your car against accidental damages. Invest in a reliable car insurance plan, or never miss out on your car insurance renewal if you already own one. Lastly, do not give up on your hopes. Stay positive and relentlessly practice healthy habits for a speedy recovery. You don’t have to surrender your passion for driving. Follow the above tips and make a comeback taking one step at a time.

Click HERE for hassle-free car insurance renewal.

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

Buying a car is more challenging than it seems. The salesperson uses many tactics to prevent their buyers or sellers from negotiating. Usually, buyers who lack detailed information about car sales and the buying process fall victim to these tricks the salesperson uses to draw more profit.

You also have to consider various things, such as auto loans, RC transfers, and hidden charges, when estimating the price of the car. So, you can create your strategy against these persuasive tricks and get your choice of car at a reasonable price. Here are some tactics that are commonly used to influence the customer.

1. Psychological profiling:
The car salespeople use the scripted questions to break down the needs and vulnerabilities of potential customers. These salespeople are experts in persuading people. The first question most car salespeople ask is about your budget. If you answer this question, you will show a vulnerability to car salespeople.
You should refrain from discussing your budget, family needs, vanity, and urgency to buy and ask for a test drive before signing papers. If you find a car you want, negotiate the price and leave trade-ins and add-ons for another discussion.

2. The Ben Franklin close tactic:
Most car salespeople use this classic tactic to fool the customer into buying a specific car. In this method, they draw a line down the middle of a piece of paper and list the reasons to buy or not buy the particular car. The information from the salesperson is either half true or false. You should avoid falling for this trap and becoming a victim of their motive.

3. The Porcupine close tactic:
The car salespeople use another tactic that includes a question starting with "if." For example, "If I can get you this monthly payment, will you be willing to buy this car today?" Car salespeople use this strategy to find a buying trigger in their customers.
When your car salesperson asks you this type of question, you should answer it with a negative. Instead, telling your car salesperson that you are negotiating with other dealers to get the best deal.

4. The waiting game:
When you go to your car salesperson to buy a car, there are salespeople, a team leader, a general manager, and more levels of leadership. They waste your time and trick you into selling what they want. If your car dealer takes too long to start moving the deal, you should call the deal off.

5. Look after the overall cost of the car:
People research the price of the car and divide the numbers into a down payment and a monthly payment. Most car dealers offer you monthly payments. You should ask them about the total price of the car and their best offer.
You can use an online car affordability calculator to check how expensive a car you can afford. Stay in the range and consider other things such as dealer fees, car insurance, and more. Choose the best car insurance company in India to get reliable insurance at the right price.

6. The impending event tactic:
Car salespeople use another tactic to sell their cars without negotiating. In this tactic, the car salesperson says that you need to buy this car today to take advantage of a big opportunity to buy it, or some other customer will get it.
You should refrain from showing any urgency and telling the car dealer in their eyes that if you come back tomorrow, they will not sell you this car.

These were a few ways to smartly deal with the tactics of salespeople and outwit them. Always stay alert while making such big decisions. Rely more on your research, compare different brands and categories, and take a test drive before the final purchase.

It is compulsory for people who buy a new or used car to get car insurance. When you find a strategy against the car salespeople's tactics, you should also look for the best car insurance company in India. Car insurance brings you many benefits, including personal accident cover, no claim benefits, damage or loss to insure a car, and third-party liabilities. Buy one today to make your driving experience safe and convenient.

Click HERE to buy insurance from the best car insurance company in India.

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

Due to heavy downpours every year, the Indian roads are severely hit and damaged. The potholes and cracks make the roads less motorable, and vehicles have to find their way safely by tackling them.

Potholes are dangerous for driving during the monsoon and rainy seasons, especially for bikers. Alongside this, the extra danger of your bike's wheels slipping on roads adds to the stress of accident possibilities.

Riders must exercise extra caution for a safe ride during the monsoon season. If you drive a two-wheeler in the rain, you should keep the following points in mind.

1. Do not disregard tyre health:
Before riding a bike or scooter in the rain, remember to check the tyres. Your bike might easily skid on the road if the traction in its tyres is worn down. Therefore, change the tyre right away.

2. Attentiveness:
Riding safely in the weather largely depends on being aware of your surroundings. Keep an eye out for potholes and puddles since they can be deeper and bigger than you expected, or there might be an open manhole beneath the water. Stay away from slicks of oil on the road that can be very slippery.

3. Slow down:
Speeding your two-wheeler is strictly prohibited when it rains because it affects your ability to see through and impairs your vision. In addition to the poor vision caused by rain, driving slowly will also give you better control and allow you to brake effectively in an emergency. Your scooter or bike may skid if you apply the brakes suddenly. Potholes are frequently obscured by water and are difficult to see. Take complete judgement of the road and maintain a steady speed to get enough time to tackle the potholes without losing balance.

4. Keep a safe distance:
Keep a safe gap between your two-wheeler and other vehicles on the road, whether in front of you, behind you, or even on the sides. You run the risk of hitting other vehicles when your vision is poor.

5. Using brakes correctly:
When it's raining, it's usually preferable to use the back brake so that your bike stops gradually rather than abruptly. Avoid applying sudden brakes as it might make the vehicle behind ram into you.

6. Stay off flooded roads:
In addition to causing you to veer into potholes, water exposure can harm your scooter or bike's exhaust.

Riding gear –
Investing in good waterproof riding gear can keep you dry. Your riding gear will protect you in an accident. These gears are
● Waterproof riding jacket: Invest in a waterproof riding jacket. To ensure that other road users see you, ensure the jacket has adequate reflective stripes.
● Waterproof riding pants: Wear waterproof riding pants to protect your lower body from the water.
● Gloves: Waterproof riding gloves keep your hands safe and grip tight on the handlebar.
● Helmet: Purchase a full-face helmet with a transparent visor. Immediately replace the scratched visor. To increase visibility, apply reflective tape to the front and back of the helmet.

The water puddles well conceal potholes. The bike's rapid movement and imbalance from riding over these puddles could cause you to lose traction. No matter how skilled a rider you are, a lack of traction and visibility can significantly damage your bike and cause you injuries.

Another crucial safety measure is an insurance. It is preferred to have robust bike insurance to protect your asset from unfortunate damages and repair and maintenance costs. A bike insurance equips you to deal with any accident on the road.

Keep a safe distance from other vehicles when you are riding. Look out for potholes and avoid over speeding your bike. Always remember to accelerate gradually and brake gently to prevent any jerky movement, and never miss having bike insurance.

Click HERE to buy the best bike 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.

Have you bought a brand-new car and are excited to hit the road? The first thing that the law requires is that you need a number plate on the front and rear to display the vehicle registration number. So many of us would love to go for a fancy number plate that makes our car look unique and cool.

But wait. Are you aware you can get into trouble using a fancy number plate for your car? Let us see how.

1. Fines:
According to the Central Motor Vehicles Rules, 1989, you must follow a specific format for your car’s number plate. It specifies the size of the number plate for light motor vehicles and passenger vehicles, respectively. It also specifies the font height and width to be used and the spacing between every font or number. It then specifies the colour combination according to your vehicle category.
A fancy number plate will usually violate one or more of the above guidelines. People go for fancy fonts and colour combinations, write the number to resemble some word or name, or change the size to make it look unique. In any of these cases, the traffic police can issue a challan and impose a penalty on you.
According to section 192(1) of the Motor Vehicles Act, fancy and improper number plates can be fined up to INR 5000. However, this penalty varies from one state to another.

2. Cancellation of licence:
Using a fancy number plate that does not conform to the law is considered illegal in India. Some states have a provision for cancelling the licences of repeat offenders who do not get their number plate changed according to the allowed format despite repeated challans and warnings.

3. Vehicle seizure and imprisonment:
If you choose to delete a number or two in the quest to make your number plate extra fancy, the police have the authority to seize your vehicle and register a criminal case against you. This can lead to your imprisonment as well.

4. Insurance claim:
A fancy number plate can indirectly impact the settlement of your car insurance claim, too, in the event of an accident. If the police have suspended your licence due to the faulty fancy number plate and you meet with an accident in your car, you cannot raise an insurance claim. This can result in heavy monetary loss to you if the accident is major.

Security concerns with fancy number plates:
Fancy number plates usually have fancy fonts that cannot be read easily. This can be troublesome for authorities to trace you or your car in case of theft, traffic violation, or even an accident. If the law starts permitting fancy number plates, criminals will start using this to their advantage.

It is natural that you would want a personalised fancy number plate after buying an expensive car. It will be your style statement and make your car look cooler. However, as mentioned above, a fancy number plate can get you in trouble.

So, stay out of it and make your life simpler by using a number plate that is permitted by law. Online motor insurance is another way by which you can make your life simpler and hassle-free. It has all the advantages of an offline policy and provides you the ease and convenience of choice, comparison, and quick claim settlement, all from the comfort of your home or office.

Click HERE to buy online motor insurance to protect your car against damages.

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.

Even in a country like India, where unequal wealth distribution has persisted over the years, the demand for luxury goods has risen across different landscapes. While rural settings used to limit their investments to affordable luxuries such as 2-wheelers, that is no longer the case. Although comparatively small, the number of car owners in rural and semi-urban areas is growing.

As more people purchase cars, one cannot ignore their allied risks. The risk of damage and theft are the highest-ranking troubles of Indian car owners. While you can cover damages by buying the best car insurance in India, multiple systems can help prevent theft, but none to eliminate it. Owners are left with no choice but to protect their vehicles with the most-sophisticated systems that can deter burglary.

While a basic alarm system is installed in all cars, an aftermarket security system doubles the protection. The availability of too many choices makes it difficult to find the best option for your vehicle. Here is a list of all the types of car alarms to help you choose the best-suited system for your vehicle.

1. Audible alarm system:
Starting with the most basic anti-theft mechanism, a blaring alarm is usually provided in most cars. It makes for easy identification of an issue and alerts passersby to intervene. However, it is an outdated feature, considering that thieves have started tampering with cars to raise the alarm to divert people’s attention from the sound of breaking windows to steal the items inside the vehicle. While necessary, it is not a comprehensive solution.

2. Silent alarms:
A silent alarm does precisely what an audible alarm does- but inaudibly, and only alerts the owner who has the key. Being inaudible can be considered a boon or a bane depending on the result of the situation. Since owners are warned without a sound, the thief remains oblivious to being discovered. As there is no sound, nobody but the owner would be aware of the incident, leaving it entirely up to the owner to tackle the situation.

3. Immobilising alarm system:
The best option of the alternatives discussed so far is an immobilising system. Once the car detects a potential thief at work, it automatically locks the vehicle. The owner does not need to intervene since there is no risk of displacement.
However, in most cases, thieves look for valuable items in the car to steal rather than stealing the vehicle itself, making the system useless in such cases. Alternatively, a key is required to unlock the car, which is not difficult to attain considering the instances of petty thievery and copying the key itself or its electronic signal that opens the car.

4. Additional GPS tracking:
While GPS is a commonly used feature while driving, it can also help keep your car safe if you keep it on even when locked. This way, irrespective of the car alarm system, you will always have access to the car’s location and can track it down in emergencies.

Our recommendation:
1. Why stick to one when you can double up and be extra sure? We recommend adding multiple systems simultaneously to keep your car safe. While you can choose between audible and noiseless alarms, we urge you to purchase at least one of the above-mentioned systems.

2. Consider activating passive security systems rather than active ones. In the case of active alarms, you must trigger them each time after locking the doors, which is often forgotten. However, passive systems work without an additional push. While identifying the best car insurance in India, read the fine print to see if a specific type of alarm is required to be installed to cover robbery incidents.

3. Let the professionals at a registered service provider install your add-on security system to ensure proper activation.

Apart from your choice of alarm system, a vigilant watch, a safe neighbourhood, and buying the best car insurance in India are other crucial factors to keep your car safe from thieves and get compensated for the damage or loss due to acts of robbery.

Click HERE to buy the best car insurance in India.

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

India is home to over 1.35 billion people, and most of them commute daily through highways and city streets. But we have been ignorant for a long time now regarding the condition of the roads, especially during bad weather conditions. It's time for a change! And before you ask why we'll take you through some stats that will make you think twice.

There is a saying, "A single death is a tragedy; a million deaths is a statistic." On average, over four hundred thousand road accidents occur annually in India, which means that every two minutes, a road accident occurs in our country.

It is imperative to have good knowledge of motor insurance to ensure your car's safety. In case of accidents, motor insurance acts like a financial cushion. The policy significantly reduces policyholders' losses and saves the party from legal repercussions.

For a safe drive, one should be aware of the risks associated with driving on highways and try to avoid them.

Buckle up your seat belts as we take you through a few possible reasons for highway accidents in India. The next time you hit the roads, we ensure that you know the potential risk factors and prioritise your safety.

1. Over speeding:
While you are young, it can be thrilling to over-speed when travelling on highways. But remember, no matter how empty the roads might be, overspeeding is always a killer. It can't be more true when elders say patience is a virtue. So, even though you have a boss breathing down your neck to be on time, it is also true that the need to be punctual should not put one's life in danger. Desperate to be on time, people tend to break speed limits. So don't be one amongst them to make this mistake. These little mistakes cost your life. It's important to understand that highways are not race tracks!

2. Drunk drivers:
When you are drunk, it is inevitable to lose control of the vehicle. According to statistics, in 2019 alone, 12,256 accidents occurred due to drunken drivers. This is alarming! If you're planning to party, then it is advisable to take a cab back home. A danger never comes knocking on your doors. You might face the consequences due to drunk driving. So, keeping the best interest in mind, it is highly recommended to take motor insurance and get covered for third-party damage.

3. Unsafe roads:
With some hip-hop music blasting through the cars, road trips are hands down fun. In India, especially in metro cities, reaching the other place alone is an action-packed adventure. So, with dangerous roads comes the risk of accidents. While it is one hell of a ride, hold your horses and drive with utmost concentration. Keep your constant focus on the road, steering, and the car's mirrors.

4. Bad weather conditions:
It is a thumb rule to keep your car's fog headlamps on while steering through the bad weather and periodically honk while turning to alert the traffic coming from the opposite direction. This way, you can avoid severe accidents and reach your destination safely.

5. Traffic rule violations:
Drivers fail to realise how big the risk of highway accidents becomes when one breaks the traffic rules. This is why countless highway accidents happen daily in India, which would have easily been avoided if drivers respected the traffic rules. Never jump a red signal and strictly say 'NO' to highway lane cutting.

One takeaway from this blog is that these risks can be mitigated with proper road etiquette. Our advice would always be to drive safely while keeping an eye on the road traffic. And be sure to invest in a trusted motor insurance scheme for your vehicle. Always remember that safety comes first. Motivate yourself to drive with discipline and responsibility.

Click HERE to buy the best motor insurance to keep your vehicle safe from potential dangers.

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.

Theoretical and practical knowledge are like two parts of a scale, equally important to make a balanced driver. In recent years theoretical knowledge has been bashed on as ‘bookish’ and ‘old fashioned, and more emphasis is being given to practical lessons. While practical lessons impart a major chunk of knowledge, such as how to react to real-life situations on the road, theory imparts domain knowledge, forming the base of learning how to drive.

Driving instructors at reputed driving schools impart practical knowledge with a robust theoretical base, such as traffic laws and road signals. This makes you aware of the legal aspects and repercussions of disobeying specific rules and become a more knowledgeable driver.

This blog aims to convince you of the importance of theoretical knowledge while learning to drive.

1. Structure of a car:
It is only possible to know the complete anatomy of a car purely based on practical knowledge. Driving instructors usually introduce aspirants to various components of the car on the very first days of driving learning. This is to build a holistic understanding of the car to gain more confidence and learn how to respond to critical situations calmly. They teach you about the various parts of a car, including the brakes, clutch, car engine, fuel supply system, cooling system, lubrication, gears, battery, etc. This increases your understanding of the car so you can perform minor repairs independently without rushing to the mechanic.

2. Covers the legal aspects of driving:
Driving is a great responsibility for every person out on the road. Trainers let learners know the rules and regulations before they set out on the road. There are also a lot of legal requirements needed before driving on the roads, such as the registration process, the process of acquiring a driving licence, and getting acquainted with parking rules, traffic laws, car insurance documents, etc. Professional driving schools will also make learners aware of road hazards, road signs, and other aspects not covered in practical lessons.

3. Building confidence:
Although practical lessons provide real-life experience to the students, theoretical input gives them the confidence to take that first step into driving that many lack the courage to take. Experts in the field can communicate the basic theory to every student with special emphasis on questions posed by students, which will further clarify their doubts. This will give them the confidence to drive professionally in all traffic situations.

4. Good theoretical backing encourages being safe on roads:
Staying safe on the road is a conscious choice a citizen makes daily. Safety is the top priority, and this is emphasised by theoretical knowledge. Along with knowing the rules and regulations to follow on the road, they also double down on the legal implications of reckless driving, drunk driving, and other risky activities.

Managing a car in critical conditions, such as a punctured tyre, or the case of an accident, is the knowledge that is best learned theoretically. These are important aspects of driving that instructors emphasise and should be carefully absorbed by the students, as this information comes in handy at some point.

However, no matter how much training a driver goes through, they are bound to be stressed about the risks and complications of having road accidents. This is an important concern that should not be neglected. Car insurance is necessary for every car owner to remain calm in the event of an accident.

Click HERE to know more about car insurance.

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

Taking care of your motorcycle requires a lot of personal time and attention. Along with checking the tyres, and engine, cleaning out the air filters, checking the suspension and transmission system, and cleaning the exterior regularly, you might also have to pay additional expenses to ensure your battery and brakes are adequately maintained. The general inclination might be to skip most of these jobs for months or even years till they get damaged and then complain about the money spent repairing them.

*Pro-tip
You can invest in 2 wheeler insurance to safeguard your finances against expenses involved in the repair and maintenance of your bike in the account of unfortunate events like accidents.

One of the most neglected maintenance issues continues to be that of the bike's gas rusting. Generally, people don't follow any preventative measures and are only compelled to replace the fuel tank if it gets rusted. However, this is very strenuous as replacing the fuel tank is extremely expensive. This blog aims to give tips and tricks to prevent your bike's gas tank from rusting.

Favour high octane gas over low octane:
Rust on the fuel tank's surface is mainly a result of the condensation oxidising the inner surface, corroding it beyond repair. You can prevent this by filling the gas tank to the brim with fuel having high octane.
Low octane gases contain higher levels of alcohol which encourage rust by attracting water to the surface. High octane gases ensure more fuel efficiency and smoother engine performance.

Consider the use of a fuel-stabiliser:
If you're planning to keep your vehicle defunct for a while, it is advisable to add a fuel
stabilizer to the fuel tank. This will prevent the gas from breaking down during long periods and the condensation from building up.

Clean the air filter properly:
One of the main things you can do for your fuel tank is to clean the air filter regularly. By doing this, you are increasing the ventilation in your vehicle and helping it maintain the least condensation in the tank. However, simply cleaning the air filter is not enough. Clean it inside out with a compressed air gun to obtain maximum results.

Let out all the air bubbles:
Be sure to tilt the fuel tank and get all the air bubbles out of the tank to reduce the chances of corrosion.

Remove the fuel tank altogether if you want to hibernate your vehicle:
Although your bike is made to withstand all weather conditions be it rain, snow, or heat, some people prefer to let their bike rest for certain parts of the year. In this case of hibernation, it is advised by experts to remove the fuel tank altogether. To do this, drain the fuel completely and allow the tank to be in the sun to get absolutely dry. Further, put silica packets or other moisture-absorbing materials in it to capture any stray moisture and then seal it shut.

Disposing of fuel is hazardous and should be done with caution. If you have any use for it in your other vehicles, that is a great way to use them. If that is not the case, you may give it to someone who does. If neither works, contact a local hazardous waste collector.

Maintenance and care of bikes are tiring but crucial to ensure the longevity of your precious assets. It is often daunting to constantly take care of every part of your bike. Sometimes, negligence results in expenses you might not be ready to bear. That is why it is advisable to research good 2 wheeler insurance from various sources and find one that gives you the coverage you are looking for. A reliable 2 wheeler insurance can be your bike’s ultimate protection to serve you to the best.

Click HERE to know more about two wheeler insurance

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

Of all the inventions and discoveries the human race has made over time, its progress in medical science has been the most significant. The human mind has made everything possible, from simple practices like using herbs to heal wounds by trial and error to developing advanced laser surgeries. Despite consistent advancements in scientific knowledge, certain age-old traditions, like alternative medicine, are believed to be effective and used in modern times while lacking complete scientific backing.

Acupuncture is a form of alternative medicine rooted in Chinese medicine. It is believed to cure illnesses and eliminate stress. While not entirely backed by scientific evidence, western medicine converges on some beliefs of sticking needles in the body at strategic locations. While buying a comprehensive health insurance policy for family is the safest bet for keeping your loved ones safe if you're interested in acupuncture, here's what you must know!

What acupuncture seeks to resolve?
Like all ancient medical practices, acupuncture claims to correct many medical issues, ranging from muscle aches, back pains, headaches, and arthritis. Some also believe that targeting specific nerves with thin needles can eliminate cancer, cure infertility and strengthen the immune system.

The fundamental principle behind acupuncture.
Traditionally, the practice is seen as a corrective measure to balance an individual's energy, which is the cure for all of one's problems. However, western medicine agrees with some of its claims while stating a different reason- it is possible to cure pains and aches by targeting the muscles and tissues that are tense by releasing the knots formed.

When to avoid acupuncture?
While the procedure can set right multiple issues ranging from common posture issues to chronic illnesses, it is not suitable for everyone. If you have a bleeding tendency or suffer from weak immunity or epilepsy, you should avoid acupuncture. The same applies to pregnant females or patients with an unclear diagnosis since it may cause more significant problems.

Precautions to ensure before acupuncture.
You must approach any medical procedure with caution. A patient must take all necessary preventive measures to ensure that minimal risk is involved. Before you visit an acupuncturist, keep the following in mind:

1. Make sure to do due diligence when choosing an acupuncturist. Ensure you talk to previous patients about the procedure, clinic, and practitioner and their credentials.

2. Disclose your medical history to the acupuncturist to make an accurate diagnosis.

3. Avoid caffeine before your appointment.

4. Wear loose clothes to allow easy placement of the needles in appropriate places.

5. Make sure to check that sterile needles are used for each appointment.

An acupuncturist's appointment.
Like any other medical procedure, acupuncture is not a one-time solution that will eliminate your problems. It takes multiple sittings, supplementary practices, and a reliable acupuncturist to provide effective results. Here's a short synopsis of what the procedure entails

1. Diagnosis:
The first appointment is the most crucial as it is when the initial diagnosis is made regarding the patient's health while considering their medical history. Usually, the acupuncturist examines your overall health by inspection and requires supplementary information to make an accurate diagnosis.

2. Acupuncture sessions:
Usually, sessions can last between 20 minutes to an hour, depending on the severity of the issue. Sessions are generally scheduled up to two times a week and may continue for 2 or 3 months. This may also depend on the add-on services like acupressure, cupping, etc.

3. Associated risks:
Although rare, the procedure comes with the risk of developing some serious side effects. They include excessive bleeding, fainting, infections, and, worst case, puncture of organs.

Acupuncture may seem like a relatively harmless procedure involving thin needles, but it has several risks you must consider if your body is not susceptible to it. Irrespective of your beliefs in alternative practices, we strongly recommend purchasing a health insurance policy for family to cover the financial burden of medical issues.

Click HERE to buy health insurance policy for 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.

All your bike's parts are crucial, but one of its most essential parts is the clutch. In addition to assisting you in changing gears, the clutch connects and disconnects the engine from the transmission. For a safe and comfortable riding experience, you must always ensure the clutch is working properly. Immediately take your bike to the closest garage if you notice any concerns so that they can be rectified.

But sometimes, it takes time to identify the issue. You might only be able to detect a failing clutch on a bike if you know a lot about how the bike and its components operate. It is always important to understand how to keep the bike's clutch in good condition.

We are here to help you with this concern! To maintain the clutch's optimal performance, consider these key points:

1. Proper lubrication of the chain:
Various motorcycle parts require lubrication to function efficiently. The clutch and chain are no exception. They need appropriate lubrication to be in their optimum working condition. If left unattended for too long, these can dry out and cause your bike’s gear to become rigid. The clutch faces significant damage, making it difficult for the rider to change the gear smoothly.
The only way to fix this issue is by regularly lubricating the chain and the clutch. Watch out for the amount of oil in the bike; if it appears low, then refill it to the appropriate level. Also, clean the chain thoroughly and later add lubrication to reduce friction.

2. Check the oil in the clutch:
The clutch needs lubrication, especially wet clutches like the ones on most high-end motorcycles and dirt bikes. The clutch oil does this to keep the clutch lubricated, control the friction, and to make it easy for the clutch plates to move. The oil also helps keep the clutch compartment cool, improving the clutch system's functioning and running the bike perfectly.

3. Sprockets:
Pull the chain away from the rear sprocket. Inspect the teeth for wear and rust. If you must replace the chain sprocket, see a professional. If you decide to replace it yourself, make sure you put everything back on the exact way you took it off.

4. Clutch cable:
Apply grease to the clutch cable stopper regularly to prevent cable breakage. In case you need to change the cable, you'll require tools, cable lube, and a new cable. To change it:

● Take off the flares and seats.

● Turn the adjuster screw down to get the clutch cable out of the clips.

● Take the cable off the handlebar as well as the engine.

● Take out the cable all the way.

● Grease up a new cable.

● Change it in the same way.

● Put the screws and covers back on.

Keep referring to these tips to spot the issues and know more about typical clutch faults and how to rectify them. Additionally, to keep your bike safe and protected from mishaps, you can purchase or renew bike insurance online if you have already had it. Remember that you can increase the longevity of your bike and ride it safely for years if you take good care of it.

Click HERE to renew 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.

Since the onset of the pandemic, there's nothing that we've been waiting for like a vacation. A quick getaway to relieve the stress induced by hectic schedules and some time to enjoy being outdoors with family is all that people have been looking forward to. Now that the mandates are relaxed, it is the perfect time to take your family on a beach trip!

There's no better way to take a beach trip than going by car. Long drives, beautiful sceneries accompanied by great music, and memorable conversations are the ideal start for a perfect beach trip. However, there are several factors that you need to ensure before taking out your car on a beach trip. Maintenance and servicing of the car are crucial to prepare it for such long-distance trips.

You must also ensure that you have a car insurance policy. Now, why is that important? It is essential for safeguarding your vehicle from uninvited events and putting less pressure on your pockets on account of repair and maintenance. The best way to buy car insurance is by purchasing online. You can find the best car insurance price in India and compare policies to find the best-suited policy for your car.

Once your car is insured, you can follow the tips stated below to ensure your vehicle is ready for the beach trip.

1. Sun protection:
Humans are not the only ones that suffer under high heat. If you're planning to take a beach trip in your car, your car is bound to be outdoors for long hours. In such cases, it is likely to heat up and be suffocating for the passengers. Use sun shields and UV protective window tints on windows and cover seats and the steering wheel with thick clothes to keep them covered from the heat.

2. Pack efficiently:
Use duffel bags instead of suitcases. This helps in making efficient use of storage space in the trunk. Do not overpack and bring extra bags that may be required to be kept in the passengers' seats. When stacked too high on each other, they may obstruct the driver's vision of the rear traffic.

3. Beach-proof your car:
While you cannot minimise or eliminate the heat or sand at the beach, you can take preventive measures to deal effectively with them. Waxing the car body is a way to keep it cool and prevent it from overheating. It also prevents any flying sand from sticking to the car. You can also gloss your tyres to protect them from the heat.

4. Be prepared for emergencies:
Travelling while the temperature is high usually puts your car at risk of punctures or problems related to overheating. In such cases, you need the right equipment to take care of the damage until you can find help. Ensure you have your tool kit, including necessary equipment like a jack, wedge, lug wrench, etc.

5. Protect your floor:
The most irritating part of going to beaches is dealing with the sand that comes home with you. You can find plastic mats or lay large beach towels on the seats, under the seats, and on the floor to prevent the sand from getting everywhere in your car. While you will need a thorough inside cleaning, it will reduce the effort required to deal with the problem.

6. Car maintenance:
While car maintenance is imperative on all occasions, it is particularly needed before taking the car on long drives. Check the essential fluids- brake, engine oil, and coolant levels. Also, check the tyre pressures, brakes, lights, fuel, and air conditioning.

At the same time, ensure that you have all the required documents in the car. This includes the PUC, insurance papers, driver's licence, and registration certificate. Ensure that you compare the car insurance price in India offered by different companies and choose a comprehensive cover. If you're planning a trip after a long time, plan it with all safety so that you are enjoying and not worrying. Stay hydrated and take care of kids while playing on the beach. Most importantly, cherish peaceful family time together and capture beautiful memories that keep you musing always!

Click HERE to know more about the car insurance price in India.

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

The startup culture has expanded its roots across the world. Today, entrepreneurship is a position every career-driven, and ambitious individual aspires to achieve at some stage. People have been more creative and technologically inclined to create new products and services which cater to the public's demands while trying to forge their name through the sands of time. But an entrepreneur's life is not all glitter.

It isn't easy to be an entrepreneur. Dealing with different moods, mindsets, and health issues, including physical and mental health, apart from the usual stresses and challenges of the startup journey, takes a considerable toll. We advise all talented minds to buy health insurance online to safeguard their health.

It is highly excruciating to keep walking the same beat and set a precedent for others to stay motivated, despite one's personal, lesser-known challenges. As a new founder, you have to battle wars on several fronts, and most of the time, you need a win to keep your and employees' morale high. But how does one take care of themselves in this arduous journey?

This blog will discuss what an entrepreneur's guide to best self-care and healthy living should be like. Let's get started.

1. Healthy eating, healthy living:
Healthy food gives your body the accessible space to digest and churns out the nutrients that would help you boost your happy hormones, keep you light on your feet and provide your body with all the nutrition.
And we all are aware of the famous saying, "a sound mind lives in a sound body." The healthier your body, the healthier your mind. And the healthier your mind functions, the more productive and focused you can be on your dreams and targets.

2. Drink that water:
Staying hydrated is one of the essential things you need to do to keep yourself on track during your entrepreneurial journey. Consuming the right amount of water at regular intervals throughout the day boosts the blood flow, keeps your skin and oral hygiene on point, benefits the movement of the joints and muscles, and regulates your kidney and bladder function. So, water is a liquid with numerous benefits. Set that water reminder, and get going!

3. The importance of mindfulness:
Being completely focused and present at the moment is not just an artsy quote. It is one of the most critical ways to sort out the chaos that is a regular part of your journey. Making mindfulness a crucial part of your life and self-reflecting can help you become more efficient and productive.
It will also aid you in freeing up space since you will be more effectively focused during your tasks and eventually have time to take care of yourself and enjoy life as it comes. Activities like meditation and deep breathing help reduce stress, inducing calmer vibes and the atmosphere within and around you.

4. Make a to-do list:
As someone setting up a business, you will not have the liberty to take frequent vacations and days off. It would be best if you showed up every day to ensure that your colleagues and employees stay on track and can learn commitment and values of integrity and creativity from you. So, to stay at the top of your game, you need to make a to-do list and segregate your
tasks and estimated hours required to complete the work required. Doing this will give you clarity, and you can make some time which you can dedicate to yourself and practice activities of mindfulness or sports or anything which takes your stress off.

Inculcating these tips in your lifestyle and practicing them will help you approach your journey efficiently and healthily. With that being said, it is essential to discuss how health is an integral part of anyone's journey, and there can be unforeseeable circumstances due to which your health can take a hit. To deal with such situations, you must stay prepared.

You need to purchase the best health insurance that caters to your needs. And to suit your comfort, you can buy health insurance online these days. After all, entrepreneurs are the frontrunners of the economy!

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

Are you a pet lover who wants to take your pet dog out for an adventure? With pets becoming closer to hearts than ever before, it's understandable to take your puppy with you for a motorcycle ride. This idea no doubt excites all dog lovers, but can this endeavour be a safe thing to do?

Let's understand why taking your tailed friend on a bike ride cannot be a good idea even though you might feel like trying it.

1. Determining the best way to take your pup on the motorcycle:
Motorcycles are risky machines if not driven with care. Even some human beings are skittish on them; similarly, only some dogs will be comfortable on a bike. After checking with your vet about any health conditions that might be aggravated by your pup being on a bike, use all resources to learn about whether your furry friend can be on a bike or not.
Consider the personality and temperament of your dog, as well as its age. If your dog is prone to startling you by jumping at the nearby cat it saw, it is probably not a good idea to take it out on a ride.
Also, bikes were never designed to fit the purpose of pet travel. Although, several bikers find locations on the bike that seems perfect for lodging their pet dog. Understand that fuel tanks or handlebars are not the places to make your dog sit and ride with you. You might also think of attaching a side carrier, but know that sidecars or carriers are open, and what if your dog tries to escape from it midway?

2. Training it to be comfortable around and on a bike:
Most dogs are nervous around loud noises. You must have observed how your dog hides under the bed in the event of firecrackers bursting or thundering. Most motorcycles also have a startling sound that might scare your dog. Although, you can fix this by making your dog accustomed to the sounds and vibrations the bike produces. Still, even a slight discomfort or frustration during the ride can make things challenging. Your dog can get panicked and angry. This can be daunting for you to handle your dog and avoid any chaos on the road or disturb others.

3. Overloading the bike:
Bike journeys are always an adrenaline booster and a good stressbuster and travelling with your pet might elevate this to the next level. But what might seem an exciting thought might turn into a disaster due to the unpredictability of your dog's nature and the lurking possibility of an unexpected incident.
Also, you will have to plan everything your dog might require for the ride, such as its bowl, food, a leash, treats to keep it satiated, and a warm blanket in winter. Knowing that your bike can withstand a limited load and burdening it with your and your dog's essentials will impact the performance of your bike throughout the trip.

It is crucial to understand and accept that bikes are not dog-friendly machines. Building a strong bond with your pet is a nice gesture but not this way! This act can put several lives in danger.

Planning a bike trip with your pet might take a lot of effort, but you can live your passion for bike riding by frequently setting out on bike tours, either alone or with your other biker friends. But ensure that you have the safety gear and essential documents handy before planning your trip. Check out for your 2 wheeler insurance renewal or buy a new 2 wheeler insurance online if you don't have one. Making the right purchase will handcraft you a safer and more immersive riding experience!

Click HERE to know more about 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.

Body gestures are a great way to communicate and express our feelings in addition to verbal communication. They are a great confidence booster and help us succeed in negotiations and win hearts.

However, not all body gestures leave a positive impact. Sometimes, unknowingly, we may adopt body gestures that may seem inappropriate to others. They may interpret a negative impression on the people around us and even make them uncomfortable and doubtful about us. As a result, we may lose out on negotiations and contracts due to such negative body gestures.

But, how can you differentiate between positive and negative gestures? Let us have a look at a few of such body gestures that may leave a negative impact.

1. Crossing arms across the chest or behind your back:
People tend to instantly notice crossed arms across your chest, whether you are standing or sitting. It gives an impression that you are annoyed, defensive, stubborn, and not open to communication. Crossing your arms behind your back means you want to cut the communication. Sometimes it also shows your lack of confidence, anger, or nervousness. Avoid these body gestures, especially if you are in the middle of an important negotiation or a meeting.

2. Slouched shoulders:
You should avoid slumping your shoulders or such posture in public. Poor posture conveys that you are irresponsible and lack confidence. People start doubting your ability to accomplish tasks. A straight posture can do wonders in public by giving a strong statement about your personality.

3. Avoidance of eye contact:
Eyes convey messages that even verbal communication cannot. Avoiding eye contact conveys that you are not interested in talking or do not want to associate positively with the person in front of you. It shows that you are not confident and maybe being dishonest.
Also, looking down or staring at your phone while talking to someone leaves a negative impression. It conveys that you are not attentive and don’t want to be a part of the conversation. Always maintain proper eye contact while talking to anyone. It helps to build a positive connection and keeps the person in front of you engaged in the conversation by acknowledging him with constant eye contact.

4. Improper use of objects:
People tend to hold an object in their hands while talking to someone. The constant clicking of a pen or fidgeting with some object in your hand during a conversation or a meeting can be distracting and annoying. Such gestures also show your lack of confidence, anxiety, and nervousness. The best action is to keep the object down or keep holding the pen without clicking it.

5. Proper spacing:
Getting too close to the person in front of you while talking is considered intimidating and disrespectful. It may result in the person in front of you backing off or ending the conversation midway. Always maintain an arm’s length distance with the person you’re talking to, especially if you are strangers or share a formal relationship.

6. Overuse of body gestures:
Overuse of anything is bad. Similarly, if we overuse our body gestures like, excessive use of hand movements can also leave a bad impression in the minds of people around us. It can make us look anxious and clueless. Always have proper control of your body gestures and do not overuse them.

The quicker you understand what gestures are the best for you, the better you will ace your personal and professional communications. Just like how positive body gestures can give you the confidence to tackle all situations, similarly maintaining good health can keep your body energetic at all times. Our well-being significantly impacts postures and gestures.

It becomes paramount for you to ensure that your health remains in the best shape, and the ways to achieve this are a good diet, proper sleep, regular exercise, and health insurance. Health insurance, how? Well, health insurance can protect you from the finances against uninvited adversities. Buy the best health insurance in India and make your life less stressful and more confident.

Click HERE to buy the best health insurance in India.

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

The cold weather in the winter is a welcome change in most parts of the country that usually experience blazing heat. While Central and Southern India witness pleasant climates with a slight nip in the air, the upper Northern part experiences snowfall. However, getting safely on the roads in vehicles is challenging due to the intense fog and constant snowfall.

Many people avoid driving, especially motorcycles, in snowy terrains. However, it is possible to safely ride on snow with the proper gear, technique, and tips. While following these steps can better prepare you to handle the terrain and climate, taking precautionary methods is the first step you cannot skip at any cost.

Ensure that you have active bike insurance, or renew your bike insurance online to get the best quotes and compare policies from the comfort of your home. Now that we've set the base, here are some steps you must follow to guarantee a comfortable motorcycle ride in the snow.

1. Get your riding gear right:
Not having the essential requisites gear can invite discomfort and troubles for the rider. After taking the necessary steps to buy or renew your bike insurance online, check your riding equipment. While a helmet is all that is mandated in different climates, you need to be prepped for enduring the harsh cold.
Ensure that you wear adequate layers of well-fitted insulating barriers. The outermost layer should be water-resistant but breathable. Gloves and ridged boots are other necessities during the winter.

2. Prep your motorcycle:
A quick wipe-down may be sufficient in other conditions, but you need to snow-proof your vehicle. Switch to all-weather tyres to ensure better grip, and check your bike's mechanics before each ride. This will expose any issues beforehand and prevent accidents on slippery roads. Anti-fog visors are an example of winter-centric riding essentials that can help manoeuvre over the snow.

3. Stay seated at all times:
Bike stunts can be risky at all times, so it is best to avoid them in uncertain conditions like snow. Follow basic protocol and do not overload the bike to maintain proper balance, and be able to take charge of the situation if the motorcycle begins to slip and slide.

4. Focus on posture:
Relaxed posture is key to maintaining balance even in normal conditions, but even more in snow. Ensure that your shoulders are pushed back and loose while keeping your elbows steady instead of holding them at a 90-degree angle. This has a direct impact on the control over the bike.

5. Pay attention to the road ahead:
While this may seem obvious, it is challenging to take a call when all that's ahead of you is snow. If it is snow with evident traces of a road underneath, ride straight forward. The snow will compress underneath the tyre and fill the grooves.
If there are some tracks in the snow, it may be best to ride on the untrodden path instead of exploring new trails. If you encounter wide tyre tracks that have left the snow in a slush, riding on the slush may be your best bet, as your bike's tyres will touch the road, providing grip. However, if you see signs of ice underneath, steer clear.

While these tips can help you keep your bike upright in the snow and reduce the risk of accidents, it is best to seek shelter in case of heavy snowfall. Ensure that you drive slowly and make decisions ahead of time, as it takes longer to break in the snow. Don't forget to purchase or renew bike insurance online that covers any accidental damages to your bike due to the adverse impact of the snow.

Click HERE to invest in bike insurance online for your two wheeler.

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.

Ageing is an inevitable natural phenomenon. No matter how much you try, the effects of ageing are bound to catch up with you over time. A common symptom of ageing is loss of stamina. Tasks that used to be manageable begin to feel challenging. Although it is a regular sign of turning old, it is now being seen amongst youngsters as well. Despite the age gap, most people have low stamina levels and often get tired after doing relatively simple tasks.

In such situations, irrespective of your age, you must first buy a health insurance policy to cover any potential problems that might arise in the future. Nowadays, the process has become extremely simplified and can be done at home by running a quick search to buy health insurance online India.

Now that you have your health insurance covered, you can focus on taking preventive measures to stop your stamina from reducing further. The easiest way to do so is by following a regular exercise routine that focuses on cardio and eating a well-balanced diet. Here is a list of the best cardio exercises that can have your stamina up and leave you feeling energised when followed consistently.

1. Jump rope:
Also known as skipping rope, it is a quick exercise that doesn't need too much space or much equipment. To jump rope, all you need is a jump rope and some practice. We recommend wearing comfortable shoes while practising to prevent any injuries. The inexpensive cardio exercise is sure to get your heart rate up. You can also switch up things after a little bit of practice and go on to master double jumps, boxer jumps, and many more!

2. Brisk walk:
Surprised to see regular old walking on the list? Walking with more powerful strides than a stroll is known as brisk walking. It is easy to do and can be done at any time of the day and anywhere! Who says cardio has to be done on expensive equipment in fancy gyms?

3. Swimming:
Swimming is a form of low-impact cardio that is very enjoyable. You can take up the activity alone or with a group of friends to make it more fun. The variations in strokes allow you to stay engaged without repeatedly getting bored of the same thing.

4. Boxing:
If you enjoy more action-packed exercises involving competition, boxing may be the best fit. Studies show that boxing burns more calories than most cardio activities, making it a great addition to your day to increase your energy levels and stamina. Since it is a hands-on game that may result in injuries, you must be careful while practising it.

5. Cycling:
Since the Covid-19 pandemic, the sales of bicycles in India have grown multifold. Cycling is an excellent cardio exercise to go on a ride, and many cycling enthusiasts come together in groups and go cycling together to prevent any mishaps and support each other. If long-distance rides are not your thing, you can always stick to solo rides in nearby areas.

Why you must consider buying health insurance if you have low stamina?
Your lack of stamina may be due to poor diet, improper sleep, a hectic schedule, lifestyle choices, or an underlying medical condition. It is essential to buy health insurance online India for individuals of all ages. While you can take measures to build your stamina, a policy cover keeps you protected at all times, keeping you stress-free from any possible health accidents and associated bills.

Staying energetic every day requires discipline and sincere efforts. Our lifestyle has a major role in shaping the core of our body. Stamina is the fuel that we need to survive all the stress, and these simple and efficient cardio exercises are just what your body needs. If you can't change your lifestyle, then better change your mindset. Adapt to healthy practices and see the magic happen!

Click HERE to buy health insurance online India.

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

Are you someone who is looking to buy a two wheeler soon? If yes, one of the important things you need to do is look for a trustworthy dealer. Purchasing a vehicle is always daunting as you have to pay close attention to the many aspects. A two wheeler is one of the best investments to make your life more comfortable and easier, and you must get the perfect deal from an auto dealer.

*Note
In addition to buying a two wheeler, it is also necessary to purchase two wheeler insurance. The best way to do this is to buy two wheeler insurance online and get exciting benefits that can protect your vehicle from all adversities.

So, as you have decided to purchase a new two wheeler, let's look at a few factors that can help you select the best auto dealer.

1. Type or category of the two wheeler:
While looking for a two wheeler dealer, you first need to focus on the type of vehicle. Since you can purchase either bikes or scooters nowadays, you should figure out whether the dealer sells those models of your choice. Scooters are more convenient to handle since they provide gearless riding experiences, automatic transmission, storage space benefits, etc.
Whereas bikes help you get better control, power, and handling. The bikes are more well-built for long and short distance rides, offering good fuel economy and a smooth riding experience. You should pay close attention to the dealer's collection, test-ride your favourite options, and then make a decision.

2. Budget:
The next important factor you must consider while selecting a two wheeler dealer is the budget. You should think beforehand about how much you are willing to spend on the vehicle. This aspect will also make it convenient for you to narrow down your options.
Two wheelers are available in different price ranges these days, and you should ensure the dealer has one that will fit your preferences. You should also consider your savings, tax costs, monthly expenses, etc., while buying a vehicle. In addition, you should have financial planning to buy two wheeler insurance online to help you in times of need.

3. New or Used:
The third important point you should pay close attention to while selecting a dealer is whether they keep new or used vehicles. If you are looking for a used bike, try your best to look for a dealer with an appropriate range of pre-owned vehicles and good ratings. Not just that, but you should also ensure the two wheelers they have are in good condition so that you may use them without any further hassle.

4. Look for customer reviews:
When looking for a two wheeler dealer, trust and customer service are paramount. You should always check the reviews and feedback of past customers before you make a decision.

Prepare a list of different dealers on the above parameters to make it convenient for you to figure out which one will best fit your requirements. It will also assist you in understanding who will be able to provide you with better facilities and options.

Although selecting one among various dealers may be challenging, you should do it thoroughly. Follow this checklist and look for a dealer that assures good after-sales service and reliable customer support. Do your research, compare different options, and then make a final decision. Don't rush into things, and most importantly, buy two wheeler insurance online to add a safety net to your newly bought vehicle.

Click HERE to buy two 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.

Commercial vehicles are used for transporting goods or carrying passengers, such as a truck or a bus. Their insurance policy is separate from the normal auto insurance policies we buy for private vehicles. Investing in commercial vehicle insurance is now hassle-free, with the exclusive option of buying online. This digital method of purchasing has brought a revolution for business owners to secure their commercial vehicles.

If you're a business owner unaware of the terms and conditions involved, here is a complete guide on buying commercial motor insurance online for business owners in India.

1. Convenient with many options:
An online commercial vehicle insurance policy is meant for business owners who are usually short on time. Buying commercial vehicle insurance online is very easy, offers many features, and will save a lot of your time. Unlike offline channels, buying such a policy online will help you check different companies' schemes. You can easily compare the terms and conditions, coverage provided, and premium amounts of different policies offered by various companies.

2. Cost-effective:
Online insurance channels are an open display of multiple commercial vehicle insurance schemes provided by several companies. Since there is complete transparency in what the policy offers along with the premium amount, the insurance companies quote their best rates to beat the competition. As a business owner, this will benefit you as you can buy the best policy at the most cost-effective rates.

3. Covers third-party damages:
A commercial vehicle such as a bus or a truck can cause serious damage to third parties if an accident occurs. The compensation amounts can be heavy, which can cause concern for any business owner. However, you need not be worried about the damage your commercial vehicle can cause to third parties when you are covered with a commercial motor insurance India plan. The insurance companies cover third-party damages caused by the commercial vehicle in case of a mishap.

4. Legal compliance:
Being a business owner, you will want to be 100% compliant with the applicable laws of the land to operate smoothly. Third-party commercial vehicle insurance is essential by law in India. Non-compliance will result in heavy fines. Existing customers can instantly renew their policies online without wasting time if the due date is approaching.

5. Financial assurance in case of an accident:
It is a rare possibility that you will yourself drive your commercial vehicle. Also, most business owners will have several such vehicles. They will be in the hands of paid drivers who handle your vehicle roughly and without proper care. This raises the chances of an accident immensely. Buying a good commercial motor insurance policy will ensure peace of your mind. In case any accident occurs, the insurance company will take care of the expenses. There will be no major financial burden on you.

6. Comprehensive commercial vehicle insurance coverage:
If you are looking for an insurance cover that will protect you against the majority of risks, go for a comprehensive commercial vehicle insurance coverage. Such online policies will protect you against damages caused to your vehicle by theft, riots, natural calamities such as floods and earthquakes, fire, terrorism, and the entire coverage that a third-party commercial vehicle insurance offer.

7. Exclusions in a commercial vehicle insurance policy:
As a business owner, you should know the damages your commercial vehicle insurance policy will not cover. Such policies exclude damages caused by electrical or mechanical breakdown, consequential losses, damages caused while driving under the influence of alcohol, driving without valid papers, damage while being involved in illegal activity, and intentional damages to the vehicle.

Commercial motor insurance India is extremely important because the owners rarely drive the vehicles themselves and depend upon drivers for their vehicles' safety and security. Also, the vehicles are heavy and big, making them more susceptible to accidents and damage. Business owners should do complete research about the available insurance options online first. They should then go for the best policy that provides complete coverage. This will give them peace of mind with no chances of incurring heavy monetary losses.

Click HERE to buy the best motor insurance 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.

Even though we all know that eating fresh fruits is good for our health, are you aware of the magical benefits of drinking papaya water on an empty stomach in the morning? Papaya water has vitamins, helps digestion, eases menstrual pain, protects the kidneys, and reduces headaches and arthritis pain. It also helps fight cancer.

Regular consumption of papaya water can do wonders for your body. Let's understand the detailed benefits.

1. Positive effects of papaya water:
Now is the time to add papaya water to your daily diet to lose weight. The high fibre content facilitates smooth bowel movement, avoids constipation, and keeps you fuller for longer.

2. Immunity booster:
Boost your immunity with a glass of papaya water. It provides 200% of the recommended daily vitamin C intake, enhancing immunity and resistance to various infectious diseases. Develop a habit of drinking it every morning and give your body the day's immunity shot.

3. Eyesight improvement:
To get a clearer, brighter vision, eat papaya daily, whether raw or ripe. Papaya water is highly suggested for kids with eyesight problems because it is a powerhouse of vitamin A. Additionally, it prevents older persons' age-related macular degeneration from progressing as quickly.

4. Eases menstruation cramps:
Papaya is well-known for its characteristics in reducing menstrual pain. In addition to controlling menstrual flow, the fruit's papain enzyme instantly relieves discomfort for ladies with unbearable menstruation cramps.

5. Reduces stress:
According to studies, vitamin C deficiency significantly contributes to extreme stress and mood changes. Papaya water is a natural stress reliever that helps control mood swings and restore hormonal balance.
The antioxidants included in papaya water help fight free radical damage, a significant cause of cancer. Breast, colon, and prostate cancers can all be avoided by drinking papaya water regularly.
Dead skin cells are removed by vitamin A in papaya water, giving the skin an immediate moisture boost and a healthy glow. The potassium found in the fruit acts as a moisturiser and dullness remover. To notice results, spread a thin coating of papaya water mixed with honey on your skin and wash it off after 15 minutes.

6. Removes suntan:
Papaya has several enzymes that help treat sunburn and lighten skin. To fight microorganisms and get an instant glow, blend papaya water with a small amount of fresh lemon water and apply it to your skin. You will notice a sparkling effect of tan removal.

7. Works as a conditioner:
Thanks to its enzymes, papaya water naturally conditions the skin. To keep the keratin levels in the hair stable and the scalp free of dandruff, combine it with equal amounts of olive oil.

Though papaya may be consumed in various ways, drinking it as water is largely preferred since it tastes better. With the many vitamins, minerals, and antioxidants that papaya contains, it is a gift from mother nature that can have a surprising impact on your well-being. Include it in your diet daily to increase immunity and combat severe health conditions. However, papaya consumption is not recommended for pregnant ladies, as it can cause uterine contractions and abortion-related complications.

Along these lines, always buy health insurance online India to keep a protective cover on medical expenses during any emergency. The expense of medical care resulting from a disease, illness, or accident is covered by health insurance, making you feel stress-free and offering comprehensive protection to your loved ones. So, consider this most significant opportunity to protect the entire family and buy health insurance online India with a wide range of insured possibilities.

Click HERE to buy health insurance online India.

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

As a car owner, you already know that a vehicle breaking down can be extremely frustrating. After all, they are machines! As a result, you should always try your best to stay prepared for the worst. And if you are in the middle of a highway, you may do a few things to ensure you are safe and protected.

Breakdowns in the middle of a highway can be challenging and cause nightmares. Let us take a closer look at a few steps to get the best benefits while minimising the trouble caused due to unexpected breakdowns.

1. Park your car on the side of the road:
The first thing you need to do when your car breaks down in the middle of a highway is to park your vehicle as soon as possible. It is necessary because it can cause traffic jams and invite accidents. Try your best not to panic and slowly pull the car aside.
Not just that, but you should also remember to turn on your hazard lights to notify the people behind you. This factor will also assist you in avoiding a traffic jam without any difficulty.

2. Call for help:
The second thing you need to do when your car breaks down in the middle of a busy highway is to call a mechanic or roadside assistance company for help. This will make it convenient for you since they send professionals to fix your vehicle or tow it to the nearest garage or service centre. If the issue is fixable, they will do it within a few minutes on the spot so that you are good to go and reach your destination safely.

3. Keep tools in your car and use them:
If you know how to check a dead battery or change a flat tyre, you will be able to fix minor problems without any external help. Always keep important tools in your car at all times. For example, if you get a flat tyre, having a jack and a spare tyre will help you to change it and get to your destination within a short period.

4. Alert the traffic:
If your car breaks down in the middle of a highway, it is crucial to constantly alert and divert traffic. Since the traffic will always be moving, immediately put a triangle with reflectors behind your car to caution other drivers about the breakdown.
In case you don't have reflectors in your car, you can find objects like bushes and stones to create a barricading around your car and use them as a signal to alert upcoming vehicles about your breakdown. This way, you can avoid the chances of accidents due to collisions.

Your car breaking down in the middle of the road can cause panic, but you should try your best to deal with it confidently and with swift actions. Stay calm and think about things thoroughly to acquire the best outcomes. Always take your car to the service centre and get it thoroughly inspected for any problems before you set on a trip.

Make a checklist of important factors to cross-check them before travelling. Get your car insurance renewal before the next premium is due and avoid the policy from lapsing. Services discontinued due to non-renewal can make you lose vital benefits in case of an emergency.

Click HERE to get your car insurance renewal done.

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 is annoying to drive in wet weather when the temperatures are slightly lower and your helmet visor starts to fog up. This greatly reduces visibility, making accidents and mishaps more plausible. As accidents and deaths relating to driver negligence in these matters are on the rise, the fines levied on bikers have also been increased so that they are more mindful of it.

The question is, how do you prevent your helmet from fogging up? This blog aims to answer just that.

The science behind fogged helmet visors:
The air you breathe out is always considerably warmer than the air you breathe, that is, the atmospheric air. Especially in colder temperatures, the exhaled air is much warmer than the air outside.
This difference in temperature results in the visor having a very cold surface, which, when brought into contact with the warm air that you breathe, immediately has small water droplets on it. This is the reason behind your fogged helmets. Fogged helmets are a traffic violation, and you might have to pay hefty fines if caught.

Tips for prevention.

1. Balaclavas to the rescue:
A balaclava is a close-fitted piece of cloth, usually made of cotton or wool, which covers the whole head and neck, except the eyes. It is the most effective way to prevent helmet fogging in winter and keep the head and neck warmer.
However, it should be of utmost importance to ensure that the material is of good quality and has good breathability. This is because the cloth might sit on your face for long durations, so it shouldn't be an itchy material and should not hinder the driver's ability to ride the bike.

2. DIY water repellents:
Bringing expensive products to prevent fogging might be a good investment, but it feels even better if the job gets done for free. A few things in your pantry might help with this problem. Putting a thin layer of fabric repellent on your visor can prevent the condensation from staying at your visor.
Being a water repellent, it makes the water slide off the visor. The same can be done with a potato, but you should not rub it too much, or the visor might look milky and obstruct the driver's vision.

3. Give the visor breathing space:
Ventilation is the key to having a clean visor. Open any vents that are available to you. Also, keep the visor cracked open by just a bit, just enough that cool air from outside can come and reduce the difference in temperature between the two areas. You can do this by using a piece of tape.

4. Pin-lock inserts:
This is a costly but sure way to prevent any fog on helmets. It's an additional layer in front of normal helmet visors that stays considerably warm compared to the outer visor, thus eliminating any condensation. If your helmet doesn't support pin-lock technology, you can install a pin-lock into your helmet by drilling two holes into it and inserting it.

Maximum precautions should be taken to keep you, your loved ones, and others on the road safe. However, mishaps might happen. You won't want to drain your finances in the making up for the loss due to such uninvited events. What's the solution? Buy two wheeler insurance India to keep you insured and financially secure.

Click HERE to know more about two wheeler insurance 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.

Buying your dream car is only half the job done. Maintaining it properly is complex and time-consuming, but it is all worth in the end. Do you know that routine car windshield maintenance is one of car care's most overlooked aspects?

Your windshield gets chipped by a foreign object hitting it, reducing visibility and threatening your safety. You take precious time out of your day to get it fixed for an exorbitant price, only to have it break again at the mildest inconvenience.

This blog tries to understand better why a windshield protection film is a good investment for your car.

What is a windshield protection film, and how does it work?

Windshield protection films are generally made of 3 layers. The topmost layer is a protective layer that safeguards your windshield against scratches and prevents UV rays from entering the car and harming you. The second layer prevents the windshield from cracking, effectively acting as a shock absorber that distributes the force of the debris hitting it. The third layer is mainly for adhesive purposes.

Some of the perks of having a windshield protection film on your car involve the following.

1. Replacing a windshield can be heavy on the pocket:
Despite how easily the glass breaks when something heavy falls on it, the cost of replacing the windshield is not cheap. Also, if you have a luxury car, the windscreen may be connected to other systems in the vehicle, which may need recalibration, adding to the extra expense.
Driving with a cracked windshield is punishable by law. Save yourself additional expenses and avoid being tangled up on the wrong side of the law by installing a windshield at the earliest.

2. Maintaining the car's aesthetic:
Car enthusiasts know how important it is to make your car beautiful inside out. Just like you keep your car's paint job pristine, the tyres filled, and the inside clean, investing in a windshield protector that keeps the front of your car looking smooth is necessary.

3. Keeps you safe:
A cracked windshield can hamper your visibility to a great extent. This might lead to an accident and long-term damage to your car, or worse, you and your family. Also, a windshield protection film will decrease the chances of shattering in lousy weather conditions, such as cyclones or hail. It gives overall protection to your car.

4. Protects against UV damage:
UV rays damage the skin and retinas and cause long-lasting health conditions such as skin cancer and blindness. These films have the added advantage of blocking UV rays so that they can't enter the car and thus, resulting in better health.

Now you know the advantages of having the right windshield protection film on your car. It is vital to make a wise decision that meets your short-term and long-term goals for your car. Select the best windshield protector by discussing it with a trusted mechanic in your area. Just like you plan to upgrade your car's windshield, you need to consider upgrading the car's safety too.

You can achieve this by buying reliable car insurance. Before making the purchase, understand the new car insurance rates of different companies and their policies, and then finalise the one with the best coverage and rate.

Click HERE to know more about new car insurance rates.

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.

Planning family vacations is a daunting task that requires lots of research, budgeting, and scheduling to ensure everyone's availability. While adults' travel options are virtually unlimited, a lot must be considered when you have kids in tow. The climate, accessibility, activities that engage kids, and safety provided by the destination are the usual criteria that parents look for while planning family vacations.

Regardless of the destinations you consider, you must pay attention to purchasing general insurance that covers accidents while travelling. Especially when travelling with kids, it is necessary to be prudent, for which we recommend checking general insurance online quote, which makes the process easier, comparable, and faster.

With the increased means of living and accessibility to foreign countries, there is an increase in outbound vacations. Of the myriad options available for outbound tourism, the European destinations are the most-liked of them. Europe offers charming sceneries, stunning architecture, bustling cities in contrast to the peaceful countryside, and local cuisines palatable to kids. Here is a list of ideal European destinations that make for the perfect family vacation.

1. Rome:
Italy experiences long summer months and short winters, giving tourists plenty of time to explore the country. May to September is the peak tourist season for visiting its beautiful beaches. We recommend visiting Italy between April to May when the weather is pleasant and not too hot. The Colosseum, Spanish steps, and Gladiator Lessons are some of the experiences your family will surely enjoy. The city's delectable gelato, pasta, collection of cheeses, and freshly baked items in bakeries should not be missed.

2. Paris:
Popularly known as the city of love, it is home to gorgeous monuments. However, the city accommodates kids and offers much more to keep them engaged. Jardin du Luxembourg, built by Napoleon, is a 23- hectare park offering activities like sailboating, pony rides, carousels, and marionette shows that will thrill your kids and make for a perfect day out coupled with a picnic.
The city also has several museums dedicated to art, culture, science, and architecture for indoor activities. A magical day at the Disneyland Resort will be the perfect end to your stay in Paris.

3. The Algarve, Portugal:
The Algarve is your best bet if you're looking for an adventurous vacation with plenty of bonding time. Visit its magnificent sandy beaches to lounge, marvel over the natural beauty of the Benagil cave, or participate in surfing, jet boating, or dolphin-watching boat tours. You can also enjoy off-roading, go-karting, and horse riding or visit Zoomarine, Slide, Splash, or Aquashow, some of the region's best water parks.
Considering the risky nature of activities despite the safety of the Algarve, it is essential to have general insurance for your family that covers any accidental mishaps that may occur. Ensure that your insurance covers travel accidents, or consider purchasing one by comparing the general insurance online quote offered by insurance companies.

4. Corfu, Greece:
The famous island offers adventure, expansive pristine coasts, multiple museums, and archeological sites, making it a perfect destination for a family vacation. If you are seeking to lounge and relax, the East coast resorts offer just that and a selection of the finest restaurants and fun activities within the resorts.
The western coast has shallow beaches and sea caves that are a must-visit for adventure seekers. Rent a car and drive around the island while exploring the ruins of castles, museums, and picturesque villages.

Europe offers several destinations that make for ideal family vacations. Valid documents and a passion for exploration are all you require to make the most of your next European family vacation! Get ready to make a plan this holiday season. Also, remember to look for general insurance online quote before you plan your trip.

Click HERE to get a general insurance online quote.

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.

An active insurance policy for two-wheelers protects you against damages caused by an accident, theft, and damage to a third party's vehicle or property. An active insurance policy is a must because two-wheelers are more prone to accidents than four-wheelers.
Also, an active insurance policy is compulsory under the law. As per the new Motor Vehicle Act, 2019, the fine for riding a two-wheeler without a valid insurance policy is a hefty Rs. 2000 and/or imprisonment up to 3 months.

If caught without a valid insurance policy for the second time, you may have to pay a fine of Rs. 4000! Hence, if your two-wheeler insurance has lapsed, immediately renew it, not just to be safe from being penalised but to have secure financial coverage for your two-wheeler. You can now easily renew two wheeler insurance online India with a few clicks and hassle-free payment.

Let us go through the consequences of delayed renewal and a lapsed two wheeler insurance policy in India.

1. Loss of cover:
The insurance cover ceases to exist from day one of the non-payment of the insurance premium for the renewal of the policy. This means that you should always renew your policy a few days in advance and never wait for the policy to expire first and then renew it. The insurance company will not cover any of the damages due to accidents or theft of the vehicle after the expiry of the policy. It will also not cover any third-party liability arising from an accident caused by you.

2. Delayed renewal:
There may be certain situations when you cannot renew your insurance policy in time. You may be ill, out of city or country, or forget the renewal date. To deal with such situations, a two-wheeler insurance policy provides a grace period of 90 days after the policy's end date. You can renew your policy within these 90 days, and the insurance company will create the policy as a "break-in". Such a renewal is termed a delayed renewal.
The delayed renewal allows you to claim certain benefits, such as your NCB. The "No claim bonus" accumulates yearly if you do not make any insurance claim. It is a sort of discount that you can enjoy in the insurance premium at the time of renewal of the policy. Over a few years, the accumulated NCB can help you save around 50% of the insurance premium.

3. Lapsed policy:
A policy cannot be renewed after the lapse of 90 days grace period that the insurance company provides. You will lose any unique benefits from your previous policy, such as the accumulated No Claim Bonus. The renewal premium will also be higher than what you pay in an existing policy. Moreover, you will have to get a fresh inspection done for your vehicle by the authorised person from the insurance company. You may have to bear the inspection costs as well.

Any insurance company will stop the protection cover immediately after your two-wheeler insurance policy expires. Unfortunately, if you meet with an accident even on the next day after your policy expires, the company will not compensate you for any claim.

Therefore, the best way to deal with such a situation is to renew your insurance cover in time. Renewing a policy has become quick nowadays with the emergence of two wheeler insurance online India. You need to keep your old insurance papers handy, visit the insurance company's website, go to the renewal section, make the required payment, and Bingo! Your renewal is done!

Click HERE to buy the best two wheeler insurance online India.

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

Filling your bike’s tyres with nitrogen will help you to maintain proper tyre pressure, which ensures that it runs smoothly under all riding conditions and terrains. Moreover, you can cover more distance per litre of fuel and considerably save on running costs. Also, correct tyre pressure ensures a better grip on the roads, which minimises the chances of a mishap.

You can also use compressed air to fill your bike tyres. One usually faces a dilemma of which one is better and why. In this blog, let us go through why filling your bike tyres with nitrogen is beneficial.

1. Longevity:
Compressed air seeps out of tyres much faster than nitrogen. While nitrogen usually stays in the tyres for almost a month, compressed air stays only for 10-15 days. Hence, if you fill your bike tyres with nitrogen, you will need to inflate them less frequently. Tyres will stay in shape for more days, saving you money and effort from continuously inflating the tyres.

2. Constant and uniform pressure:
Riding often during hot summer afternoons can increase the risk of a tyre bursting. The compressed air inside the tyre becomes very hot due to the high temperature. There is a higher level of water and oxygen in compressed air, which reacts with an increase in temperature. The air pressure increases due to heat, causing the tyre to burst.
Nitrogen is drier than regular compressed air and helps to retain constant and uniform pressure inside the tyre. It is more stable than compressed air and does not get heated up as quickly as regular air. Hence, the air pressure inside the tyre stays in control and does not shoot up with the heat. There is a much lesser chance of a tyre burst if it is filled with nitrogen.

3. Mix and go:
You don’t have to worry about refilling your bike tyre with nitrogen only every time you go for your tyre inflation. Compressed air and nitrogen can be mixed. Hence, you can always get your bike tyre filled with compressed air if nitrogen is not available around you. Also, nitrogen seeps out very slowly from your tyres in case of a puncture. You get sufficient time to get to a refilling station.

4. Savings:
Using nitrogen to fill your bike tyres helps save substantially on wear and tear costs. As mentioned, nitrogen keeps the tyres in good shape. It causes lesser rubber damage due to fatigue, and tyres last much longer. Also, nitrogen does not rust the metal tyre rim. Oxygen in the regular compressed air starts reacting with the moisture present in it, resulting in oxidation and rusting. So, with the use of nitrogen, the rim also lasts much longer, helping you save a lot of money in the long run.

Refilling our tyres with nitrogen is definitely more expensive than regular compressed air. But the overall benefits of using nitrogen are much more in the long run. We get a stable ride with a better grip and improved efficiency.

Similarly, buying bike insurance online is also more beneficial than buying it through regular offline channels. Bike insurance online provides us with a complete package of choice, comfort, coverage, and security, along with being economical.

Click HERE to buy bike insurance online.

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

The drive-in movie culture has always been popular in foreign countries but has recently become popular in India. These drive-ins provide entertainment opportunities at affordable costs and are a different experience compared to the traditional affairs of watching movies in theatres. Watching a movie with your loved ones, within the comfort of your own car/vehicle, under the spell of the stars and the night sky sounds like a dream.

Now, combine the fantastic experience of the drive-in movie with owning an electric vehicle or any vehicle of your choice. While it all sounds hunky dory, along with enjoying the interiors and familiarity of your car, you need to ensure that your vehicle's battery does not suffer any adverse impacts. Now, why would that happen? Well, most of the time, people keep the air conditioners on, the headlamps on, frequently turning the car on and off, and many other reasons. And, they unknowingly kill the whole drive-in affair!

These components are what make the fun of the drive-in affair! But did you know that you can enjoy a drive-in movie experience without draining your car's battery? Yes, you can. This blog will discuss some tips to help you understand the measures you can take to avoid decreasing the longevity of your battery and depleting the power. Let's get started!

1. Do you need those headlights on?
The duration of a movie lasts somewhere between one and a half to three hours. Keeping your headlamps and other lights switched on can be very draining on your electric vehicle's battery. And if you analyse, you do not need the taillights, and the headlights are always on during the movie.
There is sufficient light in the drive-ins for you to figure out your path and parking whenever needed. And switching off the lights can help you save power to run the car radio optimally, through which you can listen to the movie. The car radio does not substantially impact the battery, so you do not have to worry.

2. What to do about the engine?
You can run your engines for a short while. This would help you charge the battery of your electric vehicle as required. This charge would be sufficient to run the car's audio system to help you gain the optimum movie experience without extreme drainage of your vehicle's battery.

3. Make sure to check the batteries.
Whenever you have a drive-in movie plan, check your car batteries before you head out. If the batteries are old and worn out, they will drain quicker. If you find the battery ready for replacement, get it done. Newer batteries won't drain out as quickly, and you can be far from worrying about the depleting charge. Once you have obtained new batteries, head out for your movies and enjoy the marvellous experience.

4. Portable radio can also be your go-to option.
Usually, drive-in movies use FM radio (Frequency Modulation) to transmit the sound signals from one source to multiple sources. The car's radio helps you tune in to the frequency you can use and then enjoy the movie without any inconvenience. But, this does drain your battery, even in the slightest capacity. To avoid this, you can use portable radios that run on batteries.
Using these options will avoid draining your car's battery. Adding to this list is disconnecting all the additional features and devices like the sub-woofers and the amplifiers from the radio as they would consume more charge and drain the battery during the usage of the radio for the movie audio.

While talking about the longevity and health of your battery, it is also essential to be prepared for any uncertain circumstances that can potentially damage your car. To stay prepared and not be financially pressured during such stressful situations, you must ensure that you purchase the best car insurance that suitably caters to all your needs.

And now, you can buy car insurance online while enjoying the ease and comfort of your home. So, the next time you plan to move out for a drive-in movie or any other adventure in your car, make sure you have car insurance and other important documents handy.

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

You might have felt tired and sluggish during the day, especially in the afternoon. This comes as a result of incomplete sleep. You may have been out for a party, a late-night movie, studying for some exam, or working on a presentation. The reasons can be many, but the result is always laziness and low energy levels throughout the next day.

What should you do to come out of this situation? Caffeine can be one solution, but it has a temporary effect, and an overdose can be harmful. A power nap can be blissful in such cases and can make you feel fresh and recharged. Let us go through some smart tips to practise the perfect power nap to revitalise yourself.

1. Appropriate duration:
A power nap is only to revitalise you rather than make you feel sleepy or dizzy and spoil the remaining part of your day. According to several clinical studies, the perfect duration for a power nap is 10-20 minutes. Anything lesser will not do the trick, and a longer power nap will have ill effects rather than a positive impact. You will start feeling sleepier and more irritated if you sleep more.

2. Time:
The perfect time for a power nap is after lunch but before 3 pm. A power nap after that will have a negative impact on your night sleep schedule. You will not be able to sleep properly, spoiling your next day.

3. Set an alarm:
A power nap is meant to be only for a short duration. Hence, use an alarm and set it to ring after 15-20 minutes of sleep. Otherwise, you may keep sleeping for longer and miss your essential work or spoil your routine for the remaining day.

4. Create the perfect environment:
The perfect environment for an instant and effective power nap is a dark, cool, and cosy room without any noise or disturbance. Such an environment signals your body that it is time to sleep and helps you relax. It will help you to take a nap quickly. Otherwise, you may end up trying to sleep forcefully, wasting your time, and still feeling sluggish.

5. Take coffee naps:
Studies suggest that even caffeine can help you achieve your desired power nap. Strange, isn't it? The effect of caffeine usually starts after 15-20 minutes of intake, say through a cup of coffee. You can have coffee, take your power nap instantly, and feel more refreshed and active by the time you wake up.
However, there can be a few disadvantages if you make this a habit. Caffeine can be addictive. It can hurt your memory performance, and you may start forgetting things after days of constant caffeine intake at a stretch.

6. Consistency:
Make your power nap schedule consistent to make it the most effective. Your body will get used to its time and duration. This will help you not oversleep and get refreshed and revitalised on time.

A power nap is an effective way to cure your sleep deprivation. It helps to boost your memory, attentiveness, and alertness while having a positive impact on your mood as well. You feel lighter, refreshed, and full of life.

Just like a perfect power nap is important to have much-needed rest and improved efficiency, a good health insurance policy is rewarding during a health emergency. You feel secure and do not have to worry about the sudden financial burden that an accident or medical emergency can cause. Hence, go for the insurance policy from the best health insurance company in India and lead a happy, stress-free life.

Click HERE to buy insurance from the best health insurance company in India.

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

Ever heard the saying, "We are what we eat?" Our food habits significantly impact our lifestyle. Everyone is busy in a never-ending race, from office-goers to on-field workers and from school kids to college youth. As a result, our health habits go on a major toll. And eating habits are the most affected among all. Irregular eating time, skipping meals, and feeding on junk food are crucial problems that adversely affect our wellbeing.

It gradually becomes a part of our routine to consume packed food while travelling to work or have a round of burgers or pizzas with friends on the way back home. Consuming excessive junk food can be alarming in the long run. Should you stop munching on junk? It can be daunting to avoid junk food consciously. But do you think it is worth putting your health at stake for momentary pleasures? Certainly not!

Unless you work it off, you cannot help but become obese and get tangled up in a web of health issues. So, if you struggle to control your temptation, this article is for you to understand why it is essential to give up on junk food.

1. Get into the perfect shape:
It is vital to be informed about the harm that junk food can cause to our bodies. Junk foods constitute sugar, sodium, and fat, which makes people gain unwanted weight. By quitting these foods, you can reduce your calorie intake. It is a gradual process; eventually, you could feel a drastic dip in your energy levels.
Take baby steps by initially cutting down high-fat dressing. Consistently skip eating junk, and you will observe your body getting moulded in the perfect shape.

2. Fast food is addictive:
You can quell your hunger pangs with salty, sugary, fatty foods. But over time, you become addicted. It isn't surprising since it's flavourful, instant, and light on the pocket. So, it is almost inevitable for us not to crave badly just to get a bite of it. But you need to cut off the addiction and take a leap of faith to become healthy again.

3. Depression and anxiety:
Junk food consumption takes a toll on a person's mental health in the long term. Vitamin deficiency can cause brain-related problems and affects its growth and functioning. So, think twice before you consume excessive carbs.

4. Vitamin deficiency:
All the caffeinated drinks and greasy, high-fat food only lead to vitamin deficiency. These junk foods don't contain vital minerals, fibre, and healthy fats. This can make your body weak over time and develop uninvited health issues from an early stage of life. At times it can lead to medical emergencies. Invest in a health insurance policy to prevent these emergencies from venting into your pockets.

5. Inconsistency in sleep:
Nothing can be a great killjoy for a sleep-deficient person than junk food. Regular consumption of excess sugary items can hamper your precious sleep time. This would affect your efficiency at work. Thus, cutting down these would make you feel energetic and confident every day.

6. Health problems hit hard:
Regular consumption of oily or processed food can increase blood pressure, high cholesterol, etc., leading to various heart diseases if not controlled in time. The stomach suffers the most with severe pain, irritable bowel syndrome, acid reflux, vomiting, diarrhoea, heartburn, etc.

All the endless health problems junk food can cause are evident. The faster you realise, the quicker you heal! There is nothing greater than good health, and ensuring it is in the best shape is individual responsibility. Staying healthy doesn't mean giving up on the things that you love to do. You need to figure out the healthy alternatives and prevent the flavours of life from fading.

Another healthy habit besides avoiding junk food is to purchase a health insurance plan for you and your dear ones. By doing so, you are already taking a step towards a healthier lifestyle with the comprehensive coverage you can depend on during unavoidable incidents.

Click HERE to buy reliable health insurance for 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.