GENERAL INSURANCE BLOG

Ever felt discomfort in your gut followed by a burning sensation in your chest? This could be because of acidity. Very often, people neglect the symptoms of acidity and gulp down antacids for instant relief. But, what is essential to know is that acidity can lead to severe health issues. If you wonder how acidity has more significant health implications, this article is just for you. We will examine acidity, its symptoms, cure, and other side effects.

What is acidity?
The entrance of your stomach valve, or the lower esophagus, closes itself as soon as food passes through it. However, if, due to some reason, the valve remains open, the stomach acids can move up and cause a burning sensation or discomfort. This phenomenon is known as acidity.

What is acid reflux?
If you experience symptoms of acidity frequently or more than twice a week, then chances are that you might suffer from a gastric condition known as acid reflux. Burning pains and discomfort after eating a meal are symptoms of acid reflux.

Let's understand the common causes of acid reflux?
1. Eating heavy portions of food
2. Sleeping after consuming food
3. Overweight or obesity
4. Eating foods such as tomato, garlic, and onion in abundance
5. Eating too much spicy food
6. Eating fried food regularly
7. Habitual drinking of alcohol, caffeine, etc.
8. Smoking
9. Side effects of certain medications

What are the symptoms of acid reflux?
1. Heartburn: A burning sensation moving up your chest via the stomach
2. Regurgitation: Bitterness or foul taste in the mouth
3. Bloating
4. Blood in stool
5. Hiccups
6. Nausea

What are the long-term implications of acid reflux?

1. Esophageal stricture:
The tightening or narrowing of the esophagus is known as an esophageal stricture. Since the esophagus has restricted space, it becomes difficult for the food to pass down the esophageal tube.
These situations can aggravate quickly and result in cancerous and non-cancerous growths. People suffering from esophageal stricture experience severe pain in their throats and face difficulty when swallowing food.

2. Esophageal ulcer:
During acid reflux, the acids in the stomach traverse upward through the esophagus. The constant contact of the acid can burn the stomach's inner lining. It wears away the tissues and forms a sore. This can cause bleeding and pain while swallowing food or other drinks. People experiencing this are advised to have fibre-rich foods such as oats, legumes, nuts, fruits, etc.

3. Barrett's esophagus:
The swallowing tube connecting the mouth and the stomach experiences damage due to acid reflux and causes the lining to become red and thick. Barrett's esophagus increases the risk of esophageal cancer, which can sometimes be fatal.
Patients experience chest pain and irritation under these circumstances. There are chances of vomiting blood or passing bloody stool. Weight loss is another common side effect of Barrett's esophagus.

These are some of the bigger complications of acid reflux. Healthy eating and proper exercise are critical to a healthy future. Acid reflux is more commonly found among elders. This is because, as you grow older, your muscles become weaker. This puts the elderly members of your family at greater risk of acid reflux. A few ways to ensure a lower risk of acid reflux are by opting for healthier diets and eating habits, regular exercise, quitting smoking, and drinking.

If the problem persists, you should talk to your doctor and get an expert opinion. Medications can heal acid reflux to some extent. Ensure to go through regular health checkups to avoid problems in the future. Do not forget to invest in health insurance in India for parents to safeguard their health during the tough time of their age.

Click HERE to find out more about health insurance in India for parents.

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

If you feel dizzy while driving where the roads are primarily like pins, you are not the only one. Many car drivers feel the sensation of wooziness and motion sickness during a long journey, and it can be a nightmare.

What if you end up crashing your car due to dizziness? This thought might have crossed your mind. It is natural to feel uneasy while driving, especially for long hours. Due to continuous motion, your brain might feel fatigued, and as a result, you may get distracted. These distractions can be fatal for you and your car.

Even if you buy car insurance online that will cover your damage, what about the injuries you will face? In this post, we'll give you some advice on reducing the effects of motion sickness while driving.

1. Keep an eye on your diet:
Be careful about what you eat before you drive because your food can greatly impact motion sickness. Avoid eating anything that makes you feel full. Eat light an hour before because you won't feel heavy while driving. The problem might worsen if you eat spicy foods. Therefore, be sure to eat small meals, and it's best to avoid any items that don't suit your taste. A proper food regimen can significantly reduce symptoms of motion sickness.

2. Check your driving position:
Sit comfortably and keep your eyes on the horizon while you are driving. By doing this, you divert your attention from moving items. Even though you need to be aware of your surroundings, try to avoid looking sideways while driving. It is because sudden and severe nausea might occasionally result from looking sideways. If you can, keep the windows open when operating a four-wheeler since a steady stream of fresh air can help with motion sickness.

3. Check the ventilation and cooling:
Many people avoid AC and prefer natural air. If your car's cooling system isn't sound, it can create driving problems. It could end up being one reason for dizziness or motion sickness. Similarly, poor ventilation in cars is another frequent cause of motion sickness while driving. It may result in some odors being trapped, which may make you nauseous.
It is therefore advised to keep your car well-ventilated by slightly lowering the windowpanes. A calming scent in your vehicle, like mint or lavender, is also a good idea because it can help boost your mood and prevent motion sickness symptoms.

4. Enjoy breaks:
Driving for long stretches can also cause motion sickness. So, if you are on a long-distance trip, it is a good idea to stop frequently. When you reach a restaurant or rest area, stop your car for a short while, get out, and stretch your legs. Taking regular breaks helps a lot with motion sickness symptoms. Also, if you feel sick while driving, stop immediately, splash some water on your face, and don't get back behind the wheel until the sickness is gone.

5. Drink tea:
If you are a tea lover, have it when taking a journey break. Tea can treat motion sickness by calming and relaxing the muscles in your stomach and can lower the amount of acid in your stomach.

6. Carry medicines:
There are over-the-counter medications that can give you immediate relief from motion sickness. However, always speak with your doctor before using such medication. You should only take these drugs as prescribed by your doctor.

Motion sickness is a common problem, but you must take appropriate steps to overcome the problem while driving. Bring the above tips into practice, and you will surely find a good solution. The effects of motion sickness can be adverse, and with time if you feel that the situation is worsening, you must see your doctor for further diagnosis.

If you are going on a long drive for the first time, ensure that you have already taken a good rest. Also, buy car insurance online as an excellent option to cover any damages that might occur during your trip. By purchasing online car insurance, you unlock features and benefits like instant coverage, better premium, and 24/7 customer support to safeguard your car from mishaps.

Click HERE to 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.

We have been hearing for a long time that anger is human’s greatest enemy! Before going for the strategies of anger management, it is worth knowing more about anger. It is a mental state that makes a person say or do something unusual. Anger can be seen as an ego outburst and can also arise from a hormonal problem. It is even believed to be the aftermath of high body toxicity.

Extensive anger can lead to various medical complications, if not controlled in time. For example, it raises blood pressure; thus, it can be extremely dangerous if you have pre-existing heart disease or diabetes.

There are many reasons for getting angry, and so are the solutions. In this blog, we shall discuss the best and most effective ways of anger management.

Anger Management Techniques:

Different techniques work for different people. While some people adopt simple techniques, many must adopt complex anger management processes depending upon the severity of getting angry. Like any other psychological issue, anger is also complicated. As stated, these are some of the basic techniques that are suggested to be tried.

● Exercise:
Studies have shown that many people benefit from exercise to keep anger and stress at bay. Daily exercise, brisk walking, running, or bike rides can prevent anger. These exercises uplift your mood and make you calm down.

● Write down your problem:
Instead of showing rage toward others, you may write your thoughts on a piece of paper and vent out all your anger by peacefully transforming it into words. This method will surely help in effective anger management.

● Going for a walk: Going for a walk is one of the most effective strategies for anger management. The morning atmosphere remains calm and soothing due to lesser vehicles and noises. You will obtain excellent mental peace through morning walks and feel refreshed and energetic throughout the day. It is a proven fact that we become less angry when we are in a good mood.

● Counting breath:
When anger strikes, you should start counting your breaths. This is one of the most successful anger management ideas. Counting your breaths can help you reduce your anger, stabilise your breath, control your heartbeat and increase your concentration.

What makes you angry?

We have discussed a few of the best anger management ideas. But you must question yourself about what makes you angry or feel frustrated. You need to do a quick analysis and consider all possible reasons and situations. According to the research, people with frequent anger issues are vulnerable to heart-related diseases. So, in addition to considering all the factors to avoid anger, you should also procure health insurance from online health insurance companies.

Following are a few probable reasons that can trigger your temper:
● Insulting behaviour toward you
● Frequent noise
● Discussing mishaps or accidents
● Disagreement with you by anyone
● Workload
● Stress
● Mismanagement of tasks

Likewise, you must create a list of what you mostly do when you get angry. For example, some people tend to throw things away. Some people shout or scream when they get angry. For anger management, knowing these things is essential. You need to write down your plan for anger management. Writing a solution will help you make a fresh start toward peaceful well-being. By practicing it, you will be able to manage your boiling blood whenever you get angry.

Anger management is a systematic and time-consuming process that does not fetch results overnight. Build a routine to resolve anger issues and douse the fire before it damages your health and mental peace. As discussed, anger can adversely affect your health, especially your heart.

It is advised to find the best insurance by researching the different plans of online health insurance companies. If you feel your temper issues are slipping beyond your control, it is always a good idea to visit your doctor. Take the help of a professional and try to find a solution that suits you the best.

Click HERE to 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.

No area in the house is immune to mishaps, and Kitchen accidents are undoubtedly the most common. There are several potential sources of injury in the kitchen, including sharp knives, hot appliances, and open flames. While it's impossible to eliminate risk, taking precautions can help mitigate it. Accidents can happen to anyone, whether they are awake or not.

When working in the kitchen, you need to be prepared for any emergency that may arise. If you plan beforehand for the worst, you can limit the damage. A personal accident insurance policy covers the costs if you get wounded in an accident and need medical care.

Moreover, you can avoid more serious injury by following these simple rules for kitchen safety and first aid.

First aid for knife cuts:

Accidents due to kitchen knives are common, but they require immediate first aid. If you cut or slice your finger, you should treat the wound using these tips:

● Clean the cut or slice area with soap and water. Apply pressure to it with a bandage or a clean cloth for a few minutes until the bleeding stops. If you bleed through the cloth, you can use another piece of cloth or use a cotton piece.

● Get the antibacterial ointment from your first aid kit and put it over the cut. Cover the wounded area with a gauze pad and adhesive tape.

● Get immediate medical help if the bleeding doesn't stop after a few minutes, the cut becomes inflamed or has jagged edges.

First aid for eye injuries:

Sometimes people accidentally shoot lemon juice or other substances straight into their eyes. If something gets in your eyes while cooking, you should follow these steps:

● Wash your eyes with lukewarm water for about 15 minutes. Protect your second eye by covering it.

● If you have a cut on your eye, don't apply pressure to it or wash it. Instead, call for medical help.

First aid for falls:

Water and oil can spill from the pot and make the floor slippery. Many people fall in the kitchen due to the slippery floor, so you should keep your kitchen floor clean and dry. However, if you still happen to fall in the kitchen, follow these tips:

● Try to get up in the right manner, or you could make your injury worse. Slowly rise to your hands and knees.

● Try to crawl to a nearby chair or preferably a wall and stand up.

● If you think you may have a broken bone or can't get up, don't move and call for help.

First aid for burns:

An accident due to boiling water or oil splashing while cooking is a severe accident. You should ensure that your children are away from the oven or stove when cooking. Turn the pot handles toward the back of the stove to prevent burns. However, if you have a burn, you must identify the type and follow the safety tips.

Different types of burns:

● First-degree burn:
If the top layer of your skin is injured, you can treat it by placing the burned area under cool, running water for five minutes.

● Second-degree burn:
If the deeper skin is injured, soak the injured area in cool water for 30 minutes and apply an antibiotic cream to it.

● Third-degree burn:
If all layers of skin are burned, apply a wet dressing and call for emergency medical help.

These first-aid tips will help you deal with kitchen accidents and prevent the condition from worsening. However, you should pay extra attention if you have children. Keep your children away from the oven, stove, microwave, knives, and anything that seems dangerous. Always wear an apron and gloves while handling sharp objects and hot utensils and working with boiling water or oil.

You can install smoke detectors in your kitchen to protect you from fire accidents. Also, purchase a personal accident insurance policy to recover from the major injuries faced in a kitchen accident to pay your medical expenses.

Click HERE to buy a personal accident insurance policy.

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

Buying a car was seen as a status symbol in the past. However, it has become a necessity over time. Considering the growing population, increasing traffic, and demand for luxury and convenience, cars have improved commutation in urban landscapes.

Most people spend long hours in their cars due to long-distance commutes. After completing the ride, remember a few items you should never leave in your vehicle.

1. Edibles:
It is natural to feel snacky during the day. Keeping snacks in your car for emergencies is a good idea, as long as you take them out when you exit the vehicle. When left for long hours, the food or drinks are subjected to the changing temperature inside the car, which may result in the growth of bacteria. The same applies to soda cans that have pressure within and may explode due to the external pressure from the car's cabin.

2. Aerosols:
Aerosols like hairsprays, deodorants, air fresheners, etc., are essentials. Keeping one in the car for short periods is acceptable. However, since the cabin's temperature keeps changing without artificial air conditioning when the car is not in use, you may find that your aerosol can has exploded all over your seats.

3. Plastic bottles:
Plastic bottles are a fire hazard to your car. It magnifies the sun rays pouring in through the windows or windshield and may result in setting your seats on fire. Such incidents are considered the owner's negligence and not covered by car insurance as admissible claims.
Even if the sun rays are not strong enough to ignite a fire, they will alter the composition of the plastic bonds in the bottle, which may result in harmful BPA exposure.

4. Flammable items:
Items like lighters must never be stored in cars. The fuel within such containers can expand due to the heat and result in a fire. Again, such fires are not within the scope of admissible car insurance claims. Therefore, it is essential to remember to remove flammable items from your car cabin.

5. Valuable goods:
While the other items on this list risk the car, valuable goods are what carjackers look for while determining which car to steal from. Ensure you take out any valuable goods like phones, headphones, portable chargers, laptops, and purses from your vehicle. Leaving an expensive item in the car makes it vulnerable to drawing the attention of burglars.

6. Items with specific chemical formulations:
Items like sunscreen and medication are scientifically manufactured with a specific composition of ingredients involving chemicals to ensure efficiency. Leaving such things in the heat will alter their formulation, making the goods toxic or causing a loss of efficacy.

7. Alcoholic drinks:
Heat leads to increased fermentation which ruins the flavour of alcohol. Additionally, alcoholic drinks are packaged with internal pressure to keep the liquor from altering while in transit before consumption. Excess heat is bound to make them explode.

While this list is not comprehensive, it is a general guideline for what you must not leave in the car. Generally, anything that may be affected due to high heat must not be kept inside the vehicle. Ensure that any important documents like your car insurance and registration are not left in the car. Take care of your valuables and avoid any considerable risks to your car.

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.

How often have you heard someone advise you to brush your teeth to stop late-night cravings? Brushing your teeth will magically make you feel full and prevent you from wanting to eat something that will stain your sparkling whites. Although some people find this hypothesis true, it isn't true for everyone, especially if someone has bizarre cravings in the middle of the night.

Here are some tips for overcoming late-night cravings that can help you avoid having extreme cravings in the future.

1. Have good sleeping habits:
Although you may not be familiar with the term "sleep hygiene," it is crucial for getting a decent night's rest. Because of the numerous studies linking sleep deprivation to lowered metabolic function, hormonal abnormalities, and increased appetite, sleep plays a crucial role in increasing late-night cravings.
You'll have a better chance of getting a good night's sleep if you make your bedroom a calm, cosy place to sleep rather than staying up late yearning for junk food.

2. Eat a healthy breakfast:
A whole grain bagel or oatmeal are excellent first-step carbohydrates since they contain a lot of fibre. You'll feel full and satisfied for longer periods if you eat a breakfast rich in these nutrients. Preparing a few items in advance can be useful if you have a habit of rushing out the door in the morning to ensure you have a satisfying meal to start the day.
For meals to be enjoyed throughout the week, you may try eating hard-boiled eggs, baked oatmeal, overnight oats, or even a few veggies and nuts. These beneficial breakfast routines can help you stay full throughout the day and avoid late-night cravings.

3. Try something else:
According to research, cravings are nearly psychological and not physical needs. Although you don't need to eat, this does not mean that you should disregard it. The research also states that willpower is like a muscle that weakens throughout the day and becomes almost non-existent at night. Create a distraction to take your thoughts away from food. You can try chewing peppermint gum, as the studies suggest that menthol odours reduce hunger.

4. Enjoy a delicious supper:
Your body will feel satisfied and full for several hours after dinner with protein, healthy fats, and complex carbohydrates. This will likely stop any late-night cravings you have.

5. Take warm liquids:
When you're rushing around making supper and getting the kids ready for bed, it's easy to confuse thirst for hunger and to forget to drink enough water. Try a cup of herbal tea without caffeine or warm water with lemon if you're still hungry after supper. These naturally calorie-free fluids are hydrating while also making you feel full.

6. Exercise your brain:
Put a mental barrier between yourself and the craving. Stop and give yourself a pep talk to control your emotions. As you picture "moving away" from your hunger, tell yourself that it is "only an idea."

7. Portion out your snack if you're hungry:
You've done everything you can to avoid feeling ravenously hungry at the end of the day, including eating filling meals, getting enough sleep, and paying attention to your body. This can occur occasionally! If it is late and you are still hungry, don't be too hard on yourself. Do yourself a favour and divide whatever you intend to eat. You may even try healthy snack suggestions if you want to feel satiated rather than hungry after eating.

These tips guide you to avoid disturbing your sound sleep due to the constant urge to eat something at night. Bring these tips into practice and adopt a healthy routine with lower bloating risks.

Also, consider investing in health insurance to keep yourself mentally and financially strong during medical emergencies. An all-inclusive health insurance plan will pay for hospitalisation, childcare operations, medical care received at home (domiciliary hospitalisation), and ambulance fees, among other things. Buy yours today without any delay!

Click HERE to buy health insurance for you and your family.

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

Repair and service of your vehicle can be daunting and more challenging if the damage is so severe that some parts might need replacement. But, the introduction of fake spare parts for automobiles is posing a threat to the longevity of the vehicles and depreciating their value over time. Recognising a fake spare component is challenging because the phoney industry is evolving quickly.

Companies are striving to enact severe punishments against the manufacturers of these counterfeit parts. Still, there is a large part that you might encounter. How can you distinguish a fake from a real one? The characteristics listed in this article can help you identify genuine or bogus spare parts.

1. Check the serial number and hologram: A specific serial number is linked to all OEM/OES authentic auto spare parts. It will be helpful to trace a piece back to its source, allowing the part's authenticity to be confirmed. In India, you can also find a unique hologram of the company that makes the auto parts, which makes them impossible to replace.

2. QR code:
Most spare parts have a QR code that a smartphone may read to verify that the part is authentic. This unique QR code helps maintain product tracking and get all the required details about that part right from its manufacturer, the manufacturing date, model number, and more.

3. Check brake pads:
These are crucial components of a car's brake system. A false brake pad typically deteriorates quickly and unevenly. Also, fake brake pads can quickly fall apart because the materials used are of poor quality and have less resistance factor. These bogus brake pads wear out too soon, causing the brakes to fail.

4. Electricity risks:
Electrical component failure is a significant cause of car fires. And when they are examined, it is typically discovered that these automobiles have electrical parts that are phony or counterfeit. Such components may be dangerous since they may not comply with industry standards and might turn risky due to the chances of a blowout at any time.

5. Uncommon packaging:
It is important to understand the packaging of parts before purchasing them. Stay alert regarding the regular packaging of that part and the one you receive. Fake parts are delivered in unusual packaging and boxes. You must be able to differentiate between them and look out for company branding, the model number, and other essential information imprinted on the auto part. Call the dealer immediately if you feel something fishy.

6. Huge price differences:
Finding a deal is one thing, but if you notice parts being offered at an outrageous discount, like 90%, there is a very strong likelihood that they are fakes. Always do a price comparison, ensuring you get the original product.

7. Always visit an authentic and authorised centre:
It is advised to visit only the company-authorised centres to purchase genuine spare parts. These centres are approved by that particular vehicle brand and get an exclusive dealership to provide genuine products and the best customer service. Also, you can always connect to the centre if you face any problem with the part. Don't forget to get the bill and other important documents like the warranty card, user manual, and more.

You are responsible for informing the manufacturer once you discover that spare parts are fake. The body that considers these complaints will take appropriate action against the seller. They take the counterfeit parts and ensure they don't reappear on the market.

Additionally, ignore anyone trying to sell you fraudulent parts by claiming they are identical and will save you money. This little bit of money you might be able to save right now could lead to something dangerous. Good quality and original spare parts will help you increase the life of your vehicle. Take your car to regular servicing, do proper maintenance, and buy the best car insurance in India to keep it in the best shape.

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.

Travel is a favourite bucket list item for most people who aspire to discover new opportunities, savour offbeat experiences, introspect and grow holistically. With general insurance covering the financial burden of accidents that may happen while travelling, it has become easier and safer to travel than ever before.

Despite the ease of travel, most people end up postponing plans indefinitely or even cancelling due to budgeting issues. Overspending while travelling can have a significant impact on your finances. However, pinching every penny ruins the joy of the experience. Therefore, it is essential to find a balance, make careful estimates, and use tricks that save money on regular activities.

Food is one such expense that adds to the joy of travel. However, it is easy to overspend on food while travelling. Here are some smart ways that can help you save on food.

1. Complimentary breakfasts:
Usually, breakfast is included in the cost of the room. It is an overlooked service that can save you a sizable sum throughout your stay. Most hotels provide good-quality breakfast spreads that give you a taste of the local cuisine and international foods.

2. All-you-can-eat buffets:
These buffets can save you a lot of money if you travel with large groups or have a voracious appetite. Instead of purchasing individual menu items in fancy restaurants, it is significantly cheaper to head to a buffet restaurant that specialises in a specific food type- meat, pasta, or pizza, for example. These restaurants can be easily found by a quick internet search.

3. Avoid tourist-catered restaurants:
Tourists often travel without prior research and pay exorbitant rates for items sold at prime locations. An example is the restaurants in tourist-centric areas like the city centre or nearby tourist attractions. These restaurants charge high prices and exploit tourists who don't know the actual cost. It is best to avoid such centrally located restaurants and instead research and find local restaurants to get a taste of authentic cuisine at reasonable prices.

4. Stash your snacks:
Have you ever experienced hunger outdoors without having a snack prepared, and the only available options are overpriced foods you would not otherwise purchase? Imagine that in a foreign place where you end up paying heavily.
In desperate times, we purchase unnecessary things at unreasonable prices that do not truly satisfy our needs. To avoid this, carry a few snacks with you. This helps tide over time between two activities and prevents you from wasting money on overpriced snacks.

5. Allocate one meal a day for dine-out:
It is tempting to dine out for all meals while on vacation. However, this leaves a massive dent in your wallet. The easiest way to overcome this obstacle is to define a meal to eat at a local restaurant each day. Preferably, this should be lunch to get the most value for your money. Complimentary breakfasts and grocery stores or cooking for dinner make it easy to follow this rule.

6. Opt to cook:
If you're booked into a hostel, or your hotel room provides the equipment you can use to cook, ensure that you make full use of them. This can help in cutting down food expenses substantially. In case neither of these options is available to you, choose to purchase freshly prepared sandwiches or similar quick fixes from grocery stores or local bakeries.
Ensure that the food is safe to eat by thoroughly checking the expiry dates to prevent any issues that may lead to illnesses, irrespective of whether or not your travel is covered under your general insurance.

With some planning and research, you can limit your food expenses without adversely affecting your travel experience and preventing you from travelling. Think like a local, and you can significantly reduce expenses. However, you must pay attention to purchasing comprehensive general insurance covering accidents while travelling.

Click HERE to buy the best general insurance policy before your next trip.

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.

Let’s address the big question, how to go about a claim?

The information on this page covers the part that you're most concerned about: Claims.

Our claim settlement ratio is something we're really proud of. Trust us, we are equally eager to settle your claims, should there be an untoward situation. Call us on 1800 266 3202 for seamless claim support.

Some important points related to the claims process:

For motor insurance claims, you can send us a video of the damaged vehicle taken from your smartphone, through the link that we share on your registered mobile number. You can also get in touch with your agent, visit our nearest branch or email us at customercare@magma-hdi.co.in for speedy assistance.

We promise you – we'll never leave you stranded. Our 24*7 Roadside Assistance add-on will help you with vehicle pick-up, repairs, and several other services (only if this service is opted for). For repairs, we urge you to choose our preferred workshops / network garages (where we'll settle the bill directly with the garage) or even if you don't, we'll settle the payment based on the relevant invoices and documentation (if only it is admissible under the terms of the policy).

To check the preferred garages near you, please click

For health insurance claims, in case of planned admission, we request you to inform us or your agent before the hospitalization, this will help us to process your claims quickly. Kindly intimate your claim within 30 days of hospitalization. You can avail yourself of the cashless facility at any of our Network hospitals.

To check the network hospitals near you, please click

You can also download our "Magma HDI" mobile app from the Google play store or Apple app store or visit our website www.magmahdi.com for the following services:

1. Intimate and track claims
2. Avail wellness services
3. Download claim forms
4. Search hospital for a cashless
5. Access your policy facility features and health card, and more

For more clarity, we have summarized a few points to know why health claims get rejected, click here to view our blog.

We've reached the end of this page. See how quick that was!

To register your claim, click

Modern problems require advanced solutions. If you've been on the internet for a while, you've heard about cyber-attacks. With the increased dependence on digitalisation, cyber-attacks are an enormous threat to the growth of any business. Cyber-attacks affect the devices on the company's network and infringe on its data reserves. It puts the organisation at the mercy of hackers who can gain control over its valuable digital assets.

A conservative cover like a public liability insurance policy may not suffice in such instances. Commonly known to cover any physical injuries and third-party damages on owned property, a general liability insurance policy is necessary for every business. However, it does not cover cyber-attacks, making it essential to purchase an individual plan.

This blog discusses the correlation between rising cyber-attacks and the recent hikes in premium rates.

Understanding cyber insurance:

The recent Covid-19 pandemic highlighted a business's digital presence like never before. With many risks like malware attacks, compromised emails, and attacks on software and hardware devices, insuring a business is crucial. Cyber insurance is the perfect tool to combat such contingencies to prevent sudden operations interruptions from manufacturing up to the delivery stage. Cyber insurance is a rapidly growing segment of the Indian insurance sector.

Insurance premiums and assets covered under the policy:

The potential of digital assets is unimaginable. They are highly valued compared to physical assets like machinery. The insurance segment presently covers a small percentage of businesses, including banks, non-banks, and information technology services companies that comprehend the need for the cover. These organisations are heavily dependent on their pool of digital assets.

The high premium amount is a distinguishing factor that sets cyber insurance apart from most insurances. While common insurances like health, motor, or fire insurance are significantly low compared to the cover value, cyber insurance has a very high cover, up to 200 crores depending on the industry and the valuation of the business.

These high premium values are marginal compared to the asset valuations covered under the insurance. Typically, the assets covered under the policy are 50-100 times the value of the annual premium paid. The premium amount is determined after studying multiple factors like the company's turnover, cyber-attack risk, and availability of backup infrastructures.

Insurance premium trends:

As the demand for the product increases, so does its price. With reputed insurance providers stating that the Indian cyber insurance market has a projected growth of 35-50%, the rising trends in premium amounts do not come as a surprise. The high rate of uncertainty and dynamic environment with new cyber threats frequently emerging has caused a steep increase in premiums.

While some reports and insights by experts suggest that the increase is by 50%, there is reasonable evidence to believe that the growth may be closer to 100%. Despite the exponential increase in premium amounts backed by expansion in demand, the need for cyber insurance continues to grow. While the policy was taken by only big corporations earlier, smaller businesses of varying natures are assessing the risk of being unprotected in such volatile conditions and are willing to pay the high premium amounts, which do not seem to stabilise or decrease any time soon.

While the penetration rate of cyber insurance policies is not as high as any general public liability insurance policy, the need is bound to continue creating a demand for the insurance and fuel higher premium rates in proportion to the risk shouldered by the insurance providers.

Click HERE to buy the best public liability insurance for your business.

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.

For most Indians, purchasing a car is a significant milestone. It is an asset that requires heavy investment, offers convenience, and doubles as a status symbol. Over time, alternate mechanisms of protecting your car against uncertainties have emerged. These mechanisms provide owners with greater security features. One such upgradation is that of smart vehicles. While advanced tech-powered features make the driving experience safer and smoother, they also raise cybersecurity concerns.

For a vehicle that holds such significance, it is necessary to buy car insurance policy online to protect it against accidents and financial worries.

Here are some tips to prevent your smart car from getting hacked:

1. Regular updates
Cars are getting smarter by the day as manufacturers race toward developing the best systems for their automobiles. With such rapid developments, installing those updates in your vehicle becomes necessary. This can be done during your vehicle's servicing at an authorised service centre at no additional cost.

2. Secure your fob
A key fob, also known as a fob, is a common feature in the latest car models. It replaces a traditional key and facilitates keyless access to your car through electronic signals by pressing a button. While this makes opening your vehicle easier, hackers have found ways to unlock your car even when the fob is not nearby by cloning the signal using an e-signal amplifier.

Consider using a specific fob holder that protects it against hackers to prevent such signal-altering tactics. Additionally, consider purchasing an add-on key protection cover. This ensures greater protection of your vehicle and allied tools. Also, remember to buy car insurance policy online as an additional layer of protection for your car.

3. Keep an eye on Bluetooth connectivity
Bluetooth connectivity has been around for a long while, and its scope of use has expanded to other electronics than just personal communication devices. While connecting your phone to your vehicle can make drives entertaining with music or navigating easier, turn off your vehicle's Bluetooth to ward off hackers' prying eyes when not in use. Not only can they access valuable data, but re-alter routes and pose a threat to your safety.

4. Embedded firewalls
With connectivity gaining significance, car manufacturers offer multiple mechanisms to transmit data directly between owners' devices and vehicles. Do not allow communication or connectivity access to any unauthorised devices. You can install a firewall that eliminates communication attempts from unknown vehicles or devices.

5. Smartphone connectivity
As we become increasingly dependent on your smartphones, they are also doubling as an alternative to keyless entry to your car. Ensure your smartphone is secure before connecting to your vehicle using the manufacturer's authorised app. Any existing malware may prove to be an issue in the long run. Therefore, for the security of your vehicle and personal data, check for any signs of malicious intent, unauthorised apps, and data packages on your phone before you connect it to your car.

6. Avoid third-party updates
You must only install or modify your car's software approved by the manufacturer. If you install any new updates through a third party, you may encounter issues with your car's functioning and create loopholes that hackers can use to manipulate your vehicle's processing.

With smart features rolling out daily, it is inevitable to eliminate cybersecurity threats, even when it comes to cars. Consider this when comparing options to buy car insurance policy online to find the best one that offers comprehensive protection against hackers, accidents, and more. Feel free to contact a cyber expert if you feel that the situation might get critical. Stay alert and try to gain fundamental knowledge about the potential risks to your car's safety due to hacking attempts.

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.

The numbers of road accidents in India are astonishingly increasing every year for many reasons, including drunken driving, being careless at the wheel, driving without attention, not following traffic rules, etc. Regardless of the reasons surrounding the road accident, you need to be extremely cautious on the road. You should also buy car insurance policy online, not as a mandate but as a comprehensive protection for your vehicle.

A lot of times, challenging situations may occur regarding road accidents, even if you are not at fault. Sometimes you may be accused of an accident you have no connection with. If you're not responsible for the accident and wondering what to do? You need not panic. We have curated this article to help you determine your next steps if you're not responsible for an accident.

What are the immediate steps?

Your immediate action plan should be:

● Try to stay calm before taking over the situation

● Call an ambulance if you or anyone involved in the accident is hurt

● If the cars are damaged, you should also call the police

● Make the drivers aware of the insurance coverage

● Take pictures of the vehicles involved in the accident

● Wait for the officials and car insurance companies to decide the next steps

● Do not panic and blame others

What to do if you are not responsible?

A car accident can be extremely stressful and anxious situation, so you must maintain your composure and pick your battles wisely. Some tips to help you deal with it are

1. Gather information:
You need to get important information like the name and address of the other driver. You should also take pictures at the accident scene. Collect photos of the damage to the involved cars, the number plate of the at-fault car, and then the driver's driving licence. Try to note down the statement of the passengers and witnesses.

2. Inform your insurance company:
Your insurance company should get involved in such a situation. But you must be very quick in submitting your details and proofs to your insurer (probably in the first 24 hours of the accident). The insurer of the at-fault driver may hold you guilty of the situation. Fret not! You should just state the facts, statements, and pictures for them to decide. You should also inform your insurer as it will establish your reputation as a good-faith citizen. They can also protect you if the other insurance company denies your claim.

3. File a legal claim if necessary:
Legal claims can be tedious. You need to choose that very wisely. You must only go for a legal claim if the extent of damage is massive. You are eligible for a legal claim when the other person's insurance company denies your claim and does not give you compensation. You can fight this with the other insurance company for rightful compensation.
However, if you are seriously hurt, you need a lawyer to fight your claim. Things can get pretty intense, and you need to choose everything with caution.

If you get into a car accident that you weren't responsible for, you should collect information on-site as much as you can. This will give you an upper hand. You can also claim their liability insurance. If you buy car insurance policy online, you will be covered against all the losses you encounter after a car accident. But, all of this should happen swiftly without any delays. You can win the situation only if you act fast and present your case strongly.

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.

Good health is considered to be our greatest gift. It results from practising healthy habits, including eating nutritious and well-balanced meals, sleeping on time, and exercising daily. These contribute towards a balanced and wellness-focused lifestyle that is exceptionally significant in the long run.

While your habits can help minimise the risk of illnesses and facilitate overall wellness, there is no practical way to prevent diseases. However, prudent mechanisms like buying health insurance online in India and conducting regular health checks can help maintain your well-being.

As astounding as it may sound, your nails can say much about your body's health in no time. You may not believe it at first, but this article on various parameters of nail health and what they may indicate is all you need to learn more about the topic!

1. Yellow nails:
Yellow nails indicate various things, including wearing nail paint frequently. In such a case, you need to take a break from the salon. Your nails may also turn pale yellow as a result of old age. Another significant cause may be excessive smoking.
Additionally, it could also be an indicator of yellow nail syndrome. It is a rare genetic disorder that causes thick yellow nails. If you notice that your nails are yellow for an extended period, consider getting them checked immediately.

2. White spots:
White spots are extremely common in nails. You can find these white spots scattered across your nails. Contrary to popular belief, it does not indicate a calcium deficiency. Instead, it could be the result of a minor nail accident. It could also be a symptom of leukonychia. It is harmless but may indicate other health problems, including liver or kidney issues. If you notice such white spots regularly, the best action plan is to consult a doctor soon.

3. Brittle, cracked, or dry nails:
Dry and cracked nails are extremely common in recent times. A dry nail plate causes dry nails. It can result from swimming, dishwashing, or excessive use of nail polish remover. Reduce the frequency of these activities to prevent dry nails. Low humidity could be another cause of this condition. It can also occur due to old age.
However, brittle nails can also be an indicator of hypothyroidism. Since it is difficult to gauge the root cause of the problem without medical intervention, we encourage you to consult a medical professional who can help diagnose the problem. To reduce the burden of hospitalisation expenses on yourself, you must buy online health insurance. If your tests do not indicate a significant problem, using lotions to keep your nails moisturised may suffice to correct the issue.

4. Blue nails:
If your nails turn blue frequently, it can mean that your body is not getting enough oxygen. This severe problem could also result from underlying heart and lung problems, requiring immediate medical attention.

5. Nail clubbing:
Frequent swelling and curving of the nails can result from serious issues like lung disorders and kidney issues, for which you need to consult a doctor immediately.

Many diseases and abnormalities can change your nails' colours or cause them to grow abnormally. All these are indicative of other ailments that may prevail in your body. You must consult a doctor immediately if you notice such signs and symptoms. Do not overlook these signs. Be responsible and ensure regular check-ups to keep your body in the best shape. You should also buy online health insurance to stay ahead and protect your health with comprehensive coverage.

Click HERE to buy 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.

With the advent of the hustle culture and technology moving at an incredible pace, our lifestyles have been affected dramatically towards the unhealthy side. Our diets, sleep schedules, and working hours have seen a massive shift that has negatively impacted our health and relationships with ourselves and others. And this unhealthy switch has a massive effect on our work and productivity. While self-care has become an enormous part of our lives, it is now a must-do activity instead of just a habit we are supposed to inculcate in our daily routine.

Have you been feeling down and unfocused lately? Do you need help concentrating to carry out the menial tasks of the day? Well, mental health is a massive part of our lives today. You should contact trained professionals if you feel severe anxiety and other issues. But if you're struggling with productivity, a morning routine may be what you need!

This blog discusses how you can reform your lifestyle with a proper morning schedule and observe significant changes in your spirit and health.

1. Plan your day in advance:
Figuring out your day's schedule helps prepare you mentally and physically for getting all the work done. Monitoring the time to accomplish a particular task enables you to keep track and improve your efficiency and make space for other personal and professional things. A to-do list is a right way to go about structuring your day. You can allot time for these things according to your estimation and roughly note down the hours you will dedicate to a particular task from your list. This will help you stay on top of your productivity game.

2. A sound sleep:
A good night's sleep is essential. While several other pieces of research every day indicate different hours of sleep required by a certain age group, seven to eight hours is the fundamental need for a human body to function correctly. Ensuring a good night's sleep makes you feel fresh and ready for the next day. It helps you to be productive and complete all the tasks for the day.

3. Meditation and reading:
Meditation helps you connect with your inner self and calms your body. It enables you to strengthen your focus. Meditating every morning will help you calm your nerves and prepare for the day. It is very effective in dealing with anxiety and stress. Mental health professionals and physical trainers always recommend it as a part of your exercise and self-care regimen.
You can also set a target for reading which is a nourishment for your brain. You can either commit to reading ten pages daily and slowly increase. Or you can set a time limit, beginning with reading for ten to twenty minutes and then working your way up. This will help you improve your reading speed and boost your concentration, and eventually, you can develop a habit.

4. Move your body:
Any form of physical activity in the morning like stretching, yoga, and exercise will improve the blood circulation in your body and regulate hormone levels. Physical activities also help you structure your day, improve your metabolism and enhance your well-being. Your fitness journey would eventually lead you to healthier diet choices, thus making an enormous contribution to your lifestyle.

Some other elements you can introduce in building productivity include drinking one glass of water in the morning, eating a nutritional breakfast, breathing exercises, cleaning and organising your personal space and work desk, spending some time in nature without any gadgets, positive self-talk and affirmations, etc. The key is to formulate all these things into a routine and take it one day at a time.

Health is the most crucial aspect of our life. While we try our best to take care of our health, some unforeseeable circumstances can create an imbalance and adversely affect our health. To combat such incidents, you must explore different insurance options from multiple companies and choose the best health insurance policy for family.

Click HERE to learn more about the best health insurance policy for family and its benefits.

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.

Relocating to a new country is a thrilling and challenging experience that requires careful planning to ensure a smooth transition. If you're moving to India as a Non-Resident Indian (NRI), one of the most critical aspects to consider is your healthcare needs. While India has made significant strides in healthcare, medical costs can still be quite expensive. Having adequate health insurance coverage is essential to protect yourself and your family.

Here we'll discuss why purchasing health insurance is essential for NRIs planning to relocate to India.

1. Access to quality healthcare
One of the most significant advantages of purchasing health insurance is having access to quality healthcare. India has an excellent healthcare facilities system and skilled healthcare professionals, but these can be expensive. With health insurance, you can access the best hospitals and doctors without worrying about the high cost of medical treatment.

2. Comprehensive coverage
Health insurance offers comprehensive coverage for medical expenditures. It covers hospitalisation expenses, doctor's fees, diagnostic tests, and medication costs. NRIs can opt for individual or family floater policies to protect themselves and their dependents, ensuring everyone can access quality healthcare when needed.

3. Protection against medical emergencies

Medical emergencies come without warning, and they can be financially draining. With health insurance, you can protect yourself against such emergencies. Most health insurance policies cover critical illnesses and accidents, providing financial security and peace of mind.

4. Cost-effective

Health insurance is a cost-effective way to protect your health and your finances. Paying a small premium regularly ensures that you are covered for medical expenses that may arise in the future after relocating to India. Additionally, some health insurance policies offer tax benefits, which can help you save money on taxes.

5. Pre-existing conditions
If you have a pre-existing medical condition, it's essential to have health insurance coverage. Most health insurance policies cover pre-existing conditions, ensuring you have access to quality healthcare when needed. Declaring your pre-existing conditions when purchasing health insurance is crucial to avoid future disputes.

6. Cashless hospitalisation
One of the advantages of health insurance is cashless hospitalisation. In a medical emergency, you can access cashless treatment at any network hospital, ensuring that you receive the best possible care without worrying about the high cost of treatment. This feature especially benefits NRIs who may need access to more cash in India.

7. Tax benefits
Health insurance policies offer tax benefits under Section 80D of the Income Tax Act, making it an excellent investment for NRIs. You can claim deductions for the premium paid towards health insurance for yourself, your spouse, and your dependent children. This deduction can lower your overall tax liability, making it a wise financial decision.

8. Flexible coverage options
Health insurance policies offer flexible coverage options to suit your individual needs. You can choose the sum you want to insure based on your age, health condition, and family size. Many policies also offer additional coverage options such as critical illness, maternity, and overseas coverage, making it a versatile investment for NRIs.

9. Peace of mind
Purchasing health insurance provides peace of mind, knowing that you and your family are protected against any unforeseen medical expenses. With health insurance, you can focus on settling into your new life in India without worrying about the high cost of healthcare.

Moving to India as an NRI can be an exciting experience, but it's crucial to have adequate health insurance coverage to protect yourself and your family. Health insurance provides access to quality healthcare, comprehensive coverage, protection against medical emergencies, and peace of mind. Consider purchasing health insurance when relocating to India to ensure you have access to quality healthcare when needed.

Click HERE to learn more about the benefits of purchasing 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.

Bloating can be a common but painful condition for some. We all know the feeling, the tender abdomen, and the stomach that looks a lot larger than usual. Bloating is a disorder that usually happens after overeating, eating something you are intolerant towards, or having too many fizzy drinks that result in a gas build-up.

However, bloating can also occur due to too much stress in your day-to-day life, which causes indigestion. This blog gives you some tips and tricks to get relief from bloating.

1. Try massaging the belly:
Bloating is usually a build-up of gas, which you can control by giving a gentle massage to your abdomen. This helps move the gas to the lower belly and relieve it. It’s best to follow the path of the large intestine for optimal results.

2. Drink that bottle of water:
Hydration is vital to most of the body’s functions. Drinking less water not only affects the kidneys but it has a significant impact on digestion too. Drinking water will make it much easier to pass stool, which will, in turn, help with your bloating. Also, the mucous lining of your stomach significantly improves from more hydration, so keep finishing that water bottle!

3. Reduce the consumption of fizzy drinks:
The consumption of fizzy drinks has increased drastically worldwide, which also brings digestive issues. Fizzy drinks are pumped with carbon dioxide, which gives the stomach a tough time. People have also replaced water in their households, which makes them even more dangerous.

4. Exercise:
In this technologically advanced world, sedentary lifestyles have become the norm making significant negative impacts on our overall health. Exercise relieves fluid retention as we sweat out sodium and helps move stool and gas out of our system. So, no matter how busy your schedule is, take time to indulge in some physical activity to relieve your abdomen.

5. Check for lactose intolerance, cut down on the dairy:
Approximately 65 percent of the world has a reduced tolerance to dairy products after infancy. So, it is no surprise that dairy products cause bloating in many people due to their inability to digest milk and milk products.

6. Drink your coffee:
Coffee can help make bowel movements regular and is therefore regarded as suitable for people who suffer from chronic bloating.

7. Avoid alcohol and other spirits:
Alcohol is fermented and is bad for your gut health. This might make you blow up like a balloon and cause severe discomfort. Using fizzy drinks to the mix makes the situation even worse.

8. Pop a peppermint capsule:
Peppermint is excellent for people suffering from Irritable Bowel Syndrome (IBS) but can also be used for indigestion and other gas–related issues. It is great for the gut as it helps relax the intestinal muscles, allowing stool to pass more easily. However, one should be careful and take these capsules only after reading the instructions. People with heartburn should skip this one.

9. Take a relaxing bath:
A warm bath or a shower can melt away all the stress of the day and make you feel light and breezy. This can reduce stress levels, which are a significant cause of indigestion. The warmth will also be relieving for a tender stomach.

10. Try to reduce your salt consumption:
Salt is a major cause of fluid retention and can cause bloating after an incredibly salty meal. Try cooking at home instead of dining out, and avoid fast food with salt and oils.

Bloating is highly uncomfortable and can ruin a day that otherwise was full of promises. Bloating can also be due to other medical reasons. If you notice regular bloating, contact a medical professional at the earliest to diagnose the issue. Additionally, consider purchasing health insurance that provides coverage against various illnesses to protect your health and look after your medical expenses. The right research and knowledge can help you find affordable health insurance plans that are soft on your pockets but best for your financial security.

Click HERE to learn more about affordable health 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.

Regular health check-ups are essential for everyone but become critical for seniors. People over 50 are more likely to develop chronic diseases because of unhealthy lifestyles, diets, genetics, and other reasons. The most common conditions in seniors include heart disease, cancer, COPD, arthritis, pulmonary disease, and memory loss. Buying health insurance in India for parents is a necessity you must pay attention to. Not only does it protect your finances from rising medical inflation, but it also offers preventive health checks.

A good health check for senior citizens covers various tests such as a kidney profile check-up, complete blood count test, fasting blood glucose test, thyroid profile check-up, abdomen and chest X-ray, and an ECG test. If you have senior parents or grandparents at your home, it is wise to provide regular check-ups to keep them healthy.

Here you can find more reasons to give your parents regular health check-ups.

1. Detect health problems early
Healthcare professionals are trained to detect different symptoms and suggest treatments accordingly. Doctors can help you identify health problems in seniors at the earliest. They can also refer them for requisite tests and send them to the right specialist. Most conditions, like diabetes and high blood pressure, don't result in symptoms at an early stage. However, doctors can identify these conditions by checking the senior's weight, blood sugar, blood pressure, and cholesterol levels.

2. Learn the risk of disease in seniors
During a prevention check, the doctor can find problems that may put your seniors at greater disease risk. Doctors also check the family's health history for inherited conditions like diabetes or cancer. If your seniors are more at risk of disease, doctors recommend a healthy diet, sleep, and fitness habits. Adopting these healthy habits prevents many diseases and ensures an enhanced quality of life.

3. Gain more control over chronic conditions
If your parents have long-term conditions like heart disease, diabetes, asthma, or arthritis, they will need regular care from the doctor. The healthcare provider will check in with your parents at each visit to ensure their condition is under control. They can also provide preventive measures like diet or medication to control the seniors' chronic conditions.

4. Treatment and cure chances increase
Besides preventing chronic disease, regular check-ups also help increase the effectiveness of treatment and recovery in seniors. With regular check-ups, doctors can provide better medication and lifestyle changes to manage symptoms and reduce risk factors for chronic diseases.

5. Save money by preventing costly medical services
People often spend lots of money on expensive medical treatments that can be avoided by developing healthy habits. If you don't want to spend money on costly medical services, you should take your parents to a clinic for regular health check-ups. Ensure they follow the doctor's advice regarding a healthy lifestyle and maintaining a healthy weight by paying attention to nutrition.

6. Build a relationship with a doctor
You and your parents can get to know your doctor better with each check-up. Building trust between doctor and patient is essential. It makes it easier for seniors to talk about personal subjects like drug or alcohol use, urinary tract health, etc., without any hesitation. Regular check-ups also help your doctor learn more about your seniors and advise the best health plan for them.

Regular health check-ups are a great way to assess your senior's health condition and detect any issues early. Also, getting health insurance in India for parents is essential, as it covers all medical expenses such as annual preventive health check-ups, domiciliary treatment, hospitalisation, and the costs of medicines.

Click HERE to buy health insurance in India for parents.

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

In today's car market, you can find many models in different sizes, styles, and shapes. With each design, manufacturers are rolling out additional features to enhance safety, aesthetic appeal, functionality, etc. While you may choose designs and functions as per your preferences, safety is a non-negotiable feature. The best car insurance company in India offers comprehensive coverage, ensuring passenger safety at all times.

As per the latest auto trends, boxy car designs are becoming popular in India. These cars can be likened to passenger cars with features of off-road vehicles. Indians show a great interest in SUVs and hatchbacks, which has caused automakers to launch over 35 models in the last five years. Additionally, the most popular boxy car models are still flowing in.

Reasons why boxy car designs are in vogue
A significant reason driving demand for boxy car designs in India is the need for premium features. Car buyers are willing to spend more on their mode of travel and top-end vehicles with advanced features like connected technologies, sunroofs, and more space.

1. Seating capacity
Indian families usually have many members that need cars with more seating capacity. Boxy vehicles are more popular among large families. Small SUVs are 5-seaters, whereas most SUVs are 7-seaters. There are options to fit the requirements of different families. This makes boxy cars perceived more as family cars.

2. Sturdy build
The boxy car has rugged styling that gives it a glamorous on-road appearance. It’s tough nature also provides a bold stance on the street. Also, the driver can enjoy good handling, high-speed reliability, and riding quality.

3. Feature-rich
Most small SUVs have a wide range of features, such as a sunroof, a two-zone HVAC system, a turbocharged petrol engine, an automatic gearbox, and more top-notch features. SUVs also have other features like seven airbags and dual-zone climate control. The best advantage of owning a boxy car is the greater storage space for luggage.

4. Driver's high seating seat
India is known for its busy and narrow roads. SUVs have excellent visibility of the road ahead and have a high seating position. This feature lets the driver handle the vehicle more adequately through traffic jams and narrow streets.

5. High ground clearance
Boxy cars are equipped with high ground clearance, which makes them more suitable for operating on full-of-pothole roads. This feature also allows drivers to drive on waterlogged roads more easily than sedans.

6. More safety
Boxy cars have a high seating position and airbag features that provide safety to the driver and passenger physically and mentally. However, when a collision occurs, the driver and passenger must wear seat belts so that the airbag can work properly.

7. Reasonable price
A few years ago, boxy cars like SUVs were limited to the higher affluent class. However, now SUVs are perfect for all Indian car drivers' needs. Another thing that makes these boxy cars famous is their attractive price, discounts, and bank EMI options.

Boxy car suits large families and is a top choice for planning adventures like camping and road trips. If you are also interested in boxy car design, consider factors like capability, safety, performance, practicality, and reliability.

Also, consider choosing an insurance policy issued by the best car insurance company in India to ensure optimal coverage for your car. You can also get third-party liability and personal accident coverage with the right car insurance plan.

Click HERE to get 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.

Young adults are at a nascent stage of life, beginning to understand and bear life's responsibilities. It becomes important for them to understand budgeting fundamentals to adequately control their expenditure against what they earn. It will help them avoid suffering a money crunch situation or a deficit by spending more than they can earn during the budgeting period.

A life without budgeting is similar to a rudderless ship in the middle of an ocean. A budget is a perfect plan to structure our investments and ensure financial stability by estimating our probable income and expenditure. Let's understand a few budgeting fundamentals that can encourage young adults to become financially independent individuals capable of making fruitful investment decisions. When we talk about investments, insurance plays a vital role. Investing in a reliable general insurance company can be a good kick-start for young adults.

1. Know your income:
Young salaried adults should know their net income after considering several deductions and taxes. They should not focus on their total salary but on what they will get in hand during the budgeting period. This will help them not to overspend.
A young adult with an irregular income stream, such as a freelancer, a contractor, or a self-employed, should plan and chart his probable earnings over the budgeting period. They should also consider income from other sources, such as interest and dividend earnings, rental income, etc.

2. Know your expenditure:
Young adults should then divide their expenses into two parts- fixed and variable. They cannot avoid fixed expenses such as rent, telephone and electricity bills, EMIs, etc. However, they can control and trim their variable costs according to their income. They need to track and categorise such expenditures so that they know which expenditures to curtail and which to completely avoid.

3. Setting goals:
The next step in budgeting is to set realistic short-term and long-term goals. Short-term goals are the ones that will take a year or two to fulfill. Young adults may budget to set up an emergency fund. Long-term goals will take a longer time to accomplish. They may budget to invest a certain amount monthly in a mutual fund through the SIP route to secure their future or plan for their children's future education. They may also budget to buy insurance policies such as term, health, or life insurance.

4. Plan effectively:
Effective planning is the key to implementing any budget. Young adults should plan how to increase their income in the coming time and set spending limits for the expense category that can be controlled. They should understand the difference between necessities, comforts, and luxuries. While necessities are a must and cannot be curtailed, spending on comforts and luxuries can be controlled through proper planning.

5. Review regularly:
Young adults should review their budgets regularly. Income and expenditure may go up or down due to several reasons such as a salary raise, fulfillment of some goal, new ambition, change in taste and preferences, etc. They should adjust their budget accordingly so that it stays relevant.

Young adults must understand budgeting fundamentals and their importance in their lives. This will help them to stay aligned with their budget goals. They can switch to using cash as the preferred mode of payment in case they cannot control their spending when using plastic money.

Young adults are at a stage of life in which general insurance policies also start gaining importance. They should divert some portion of their income towards buying insurance policies, be it health insurance, home insurance, or any other type of insurance per their specific needs. Insurance will ensure their secure and financially stable future and cover their entire family in emergencies. The right general insurance company can benefit young adults by streamlining their finances with protection.

Click HERE to explore different 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.

Have you ever been stuck in traffic without recourse to pass your time? Most of the Indian population has experienced the same due to the ever-increasing number of cars on roads, poor driving etiquette, and ill-maintained roads. In such situations, looking around often helps find temporary things of interest.

In such situations, even mundane things can catch your eye. Have you noticed that some vehicles have different coloured number plates? However, if you have wondered why some vehicles have other coloured number plates and their significance, read on.

Understanding the layout of number plates
In FY 2019, India had 295 million registered vehicles. With a CAGR of 10% between 2007 and 2019, it is safe to assume that the pace of growth of registration has sustained, if not grown. Legal mandates have made it compulsory to buy motor insurance online and getting a vehicle registration number even before your car hits the road. To adhere to the process, knowing the layout of number plates is essential.
● The first two letters indicate the Union Territory or State where the vehicle is registered
● The following two digits denote the district RTO's sequential number
● The next section of up to 2 digits or letters reflects the series of numbers presently being allotted
● The last four digits are your car's unique registration number

You can find IND lasered under the Ashok Chakra emblem on the left. Underneath the number is a unique pin code for the number plate. The text is usually in black or white, depending on the plate's colour. This is the general format commonly used until the introduction of the BH series number plates.

Different number plate types and their meaning

1. White
This is the most prevalent type of number plate. You will be allotted a white number plate if you purchase a car for personal commute purposes. The numbers are lasered in black.

2. Yellow
Another common number plate colour is yellow, with the registration number etched in black. This indicates a commercial vehicle that may transport goods or ferry passengers. The regular documents required to be carried by drivers include motor insurance papers, a driver's licence, and a PUC certificate. Additionally, commercial drivers must have a permit that states their eligibility to carry out the same.

3. Green
The emergence of green number plates is a sign of shifting toward sustainability. These are assigned to electric vehicles of all kinds- two-wheelers, cars, buses, etc. The registration number is etched in white on these number plates. Unlike the distinction mentioned above regarding purpose, all-electric vehicles have green number plates irrespective of use.

4. Black
A black number plate indicates a vehicle has been registered for rental. Drivers do not require a commercial driving licence for these rented commercial vehicles.

5. Blue
Blue number plates with white lettering are rarely seen. They are used to indicate vehicles that belong to a foreign embassy or consulate. These are reserved for foreign diplomats and have unique registration numbers. Instead of the state code shown in the first two letters, the diplomat's country is displayed.

6. Red
Red number plates are for vehicles owned by the President or Governors of India. These number plates have a gold emblem of India instead of a registration number.

Vehicle registration is a mandatory process in India. Before you purchase a new vehicle, knowing what type of number plate to apply for is ideal. You may research more to get deeper insights and understand the colour system. Also, buy motor insurance online to keep your car safe from accidents. A comprehensive motor insurance acts as a safety net to avoid venting your pockets if your car demands repair and replacements.

Click HERE to buy motor 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.

India is a country that has forever favoured 2-wheelers. With their cost-effectiveness, fuel efficiency, and ease of handling, the Indian 2-wheeler market will only grow multifold in the coming years! While manufacturers constantly launch new models that solve existing concerns in response to consumer feedback, what's classic never goes out of fashion.

One such model which is gaining popularity is Retro motorcycles. They are coming back in trend again! Apart from being a status symbol, various reasons have resulted in the popularity of retro bikes. They have been the favourite of Indians for many generations. People love riding these as they are classy, elegant, and highly durable.

Motorcycle enthusiasts prefer these retro motorcycles as they are suitable for varied terrains and long rides due to their sturdiness and comfort. Their additional safety features offer benefits similar to no other bike. Coupled with comprehensive bike insurance, you have a safe mode of a personal commute!

Despite the glitz around these classic bikes, buying your first retro bike as a beginner can be overwhelming. If you're confused about the features you should consider before purchasing a retro motorcycle, here's a quick guide to ease the process.

1. Longevity
Classic retro bikes are incredibly durable. Their quality justifies the hefty amount spent on these bikes. The vintage designs are built to last for years without hassles. Think of them as an investment in the long run, as they are heavy-duty and usually last for decades. Having a classy retro bike doubles the appeal of your parking area.

2. The comfort
These bikes come with comfy seats, an upright handlebar position for a straight riding posture, and uncluttered controls or switches. You can easily get the functions right and go along your way. They also have a high torque level and offer a pleasurable riding experience.

3. Improved engine
Engine power is essential to the biking experience. One of the greatest USPs of these bikes is their improved engines and loud revving thunder. You should always see if the bike you opt for has the latest engine and a high capacity. Also, look for shock absorbers and a secure braking system for efficient high-speed control and easy driving.

4. Practicality
Do not compromise on everyday functionality for the sake of aesthetics. Robust construction, wide tyres, and better ground clearance are required for multi-terrain use. Before purchasing a retro bike, you should keep these things in mind for the best motorcycling experience.

5. Colour options
Retro motorcycles are renowned for their classic designs and vibrant colours. Although it is a minor factor, it can contribute a lot to your style statement. You can either get them in monotone or dual shades.

Classic and retro motorcycles are incredibly well-known in India and beyond. Everyone loves owning one for themselves. It is a status symbol and a matter of pride for all. They appear vintage yet attract the youth! Hence, buying the best and most durable motorcycle for you is recommended. You can buy bike insurance for added protection to complement the safety it offers. This can protect you against the cost of damages from an accident and help preserve the value of your highly-valued retro motorbike.

Click HERE to buy bike insurance to safeguard your retro 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.

Motorcycles are a highly preferred mode of transport in India. While they are easily accessible, there continues to be a majority of the population that has second thoughts before buying them. Shared bike services have recognised the gap and mushroomed in response to market needs.

These short-term rental providers help reduce transport expenses in urban cities.

Despite their affordability, safety is a priority that cannot be compromised with these commute alternatives. Purchasing bike insurance online for your rented bike is a necessity to protect yourself from the cost of accidents. Additionally, running a comprehensive inspection can serve as an adequate preventive measure.

Here is a quick list of components to check before riding a rented bike.

1. Sound tyres
The most obvious component to inspect is the tyres. A safe ride needs to have well-maintained tyres and wheels. A glance will provide enough basis for the wear and tear of both elements. Multiple puncture signs, debris stuck in the ridges, deflated tubes, and worn tread depths are common concerns regarding tyres. For the inner wheel, closely evaluate the spokes' positioning to ensure safety.

2. Sturdy bike chassis
The general frame of the bike must be sturdy. A thorough check of all its essential functions will eventually give you an idea of the usage and condition of the motorcycle. Before leaving the facility with a bike, ensure you have tested its component adherence. A firm shake of the motorcycle will help make this clear. Rattling sounds are a sign of caution to look out for. The older the vehicle, the greater the sounds and the higher the risk of accidents.

3. Working brakes
Brakes are the safety net that can prevent accidents when coupled with riding expertise. A bike with failed brakes is a disaster waiting to happen that you must avoid. Ensure that you test the brakes with high priority. You must check the pressure required to engage the lever and the effective pace of braking. While bike owners often overlook it, bike renters must ensure that the front and rear brakes function flawlessly.

4. Check for any fluid leaks
Bikes do not appear as complex machines but are made of various parts. Many of these components require fluids that lubricate the inner bearings to ensure proper functioning. Some fluids essential for running your vehicle are fuel, clutch, radiator coolant, brake fluid, etc. While you may not know the exact location of each part, a quick check around the bike will expose any leaks. Also, check that these fluids are topped up to ensure optimal functioning.

5. Stands
An assumed to be non-integral part of a two-wheeler are its stands. Check the condition of both- the centre and side stand to ensure the bike is stable when parked. A proper chassis check will reveal any slack in the springs' tension or structural issues with the stands.

6. Indicators, horns, and lights
For a safe riding experience, giving clear indications while on the road is essential. By providing clarity, riders can communicate their intent clearly and prevent accidents. For ensuring smooth communication, the horn and indicators are critical. Test the functioning of indicators, horns, and lights.

Additionally, ensure that your signal reaches other riders. The head, tail, and brake lights deliver your indication. If you see any issues, notify the service provider immediately.

While shared bikes are extremely convenient modes of transport, riders and bike owners must inspect their two-wheelers properly before taking them for a ride. It is their responsibility to prioritise safety and derive value for their money. Additionally, riders and bike owners must consider purchasing bike insurance online to protect themselves against the financial cost of accidents.

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.

In a country like India, where rash driving is very common, you must be extra careful about your actions on the road. You need to be familiar with all the traffic rules and regulations. It is because you endanger yourself, your co-passengers, and even the pedestrians on the road while driving. Following traffic rules saves you from unwanted damage and getting penalised. You should also have bike insurance to secure your motorcycle and finances in a crisis.

Although bike insurance is a good investment, what does it cover? Suppose you meet with a small accident. Is it okay to file a claim for minor dents or scratches? We will answer them all for you in this article.

Is it worth it to claim insurance for bike scratches and minor dents?

Bike insurance claims can be tricky. If you are new to the world of insurance, you will find it challenging to decipher everything. You may face difficulties filing a claim for something that is rightfully yours.

Before you file a claim, you must keep a few things in mind. The first is the extent of the damage done to your vehicle. The second is the type of policy that you have purchased. It determines the level of damage it covers.

With a comprehensive policy, you can file a claim for damages that occurred to your bike. However, if you have third-party insurance, the scenario will be different. In the case of third-party insurance, you will not get the cost for all the damages done to your bike as it covers the damages to a third party's vehicle.

So, for your comprehensive motor insurance policy, access the damage done to your bike and the extent of it. If you believe that the damages are beyond regular repair, you can file an insurance claim. However, you should not file the claim if you think the dents and scratches are repairable and will cost you nominal. In such a case, you must save the insurance claim for a future crisis. It is always better to be on the safer side!

What are the advantages of not claiming insurance for minor dents?

There are many hidden benefits of not claiming bike insurance for minor damages to your bike, including

● Low premium:
It is known that the premium will increase significantly when you claim insurance. It can be bothering for you to pay the increased premium after that. To avoid this, you should not claim minor damages as it will keep your finances in control, and you will enjoy a low premium.

● Lack of claim bonus:
The No Claim Bonus feature in bike insurance offers discounts to policyholders when renewing the policy for not filing a claim during the policy period. The discount increases for the years if you do not raise a claim.

Understanding the basics of bike insurance, such as coverage, inclusions, and future implications is a fundamental requirement before deciding to claim bike insurance. It is usually never worth claiming for minor dents as it can be less fruitful in the long run. Do your due diligence before making major financial decisions, such as purchasing bike insurance, raising claims, etc. Wisely utilise insurance benefits to ensure the best compensation for the damages incurred.

Click HERE to buy the best bike 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.

For many years, owning a car has been looked at as a show of wealth. But in recent years, a vehicle has become more of a need than a luxury or leisure. Yet purchasing a four-wheeler is still recognised as one of life's significant achievements and investments.

As an impact of the pandemic, people are more likely to travel by car than public transport. Whilst the value of owning a vehicle has grown over time, ensuring its security and safety is essential. Therefore, do not overlook your car's insurance and get car insurance renewal on time.

What is comprehensive car insurance?
As the name suggests, comprehensive car insurance is broad insurance coverage that provides security against various concerns. Comprehensive car insurance is so far the most commonly adopted kind of automobile insurance since it covers both parties in the event of an accident. It protects you in a crisis, accident, robbery, fire, or explosion, among many other situations. Including extras or add-ons to comprehensive insurance, such as depreciation cover, emergency assistance, engine protection, and so on, makes it a more customisable and desired kind of auto insurance coverage.

What is third-party car insurance?
The Motor Vehicles Act of 1988 states that third-party car insurance is the most basic and necessary insurance to possess and is required for all car owners. Third-party insurance, as a contrast to comprehensive insurance, provides limited coverage. It protects you against losses made by your vehicle to a third party. The damages done to a third party's car, property, or the individual themselves will be covered under this policy. This sort of motor insurance covers any third-party damages, injuries, or losses caused by the policyholder's misconduct.

When to switch from third-party car insurance to comprehensive car insurance?
Following are a few reasons to switch to comprehensive insurance from third-party insurance:

1. Covers your losses:
With the exception of basic third-party car insurance, comprehensive car insurance covers your vehicle for losses caused by a range of factors.

2. Customisable add-ons:
One of the chief factors for switching to comprehensive car insurance is customising the coverage depending on the various add-ons offered by the insurer. Customising the plans gives the policyholder the independence to get better coverage and benefits.

3. Personal accident coverage:
In addition to injuries caused to a third party, comprehensive car insurance involves personal accident coverage for your treatment in the event of an accident. This feature is crucial for all policyholders and can be extremely helpful during unexpected situations.

Getting the proper car insurance coverage is as crucial as getting the perfect vehicle. While the law requires you to have motor insurance, do not limit yourself to the bare minimum. A comprehensive auto insurance coverage protects you against the expense of hospital and auto repair fees. It provides all-around protection, making it a must-have in your inventory.

Similarly, remember the importance of purchasing ideal car insurance and even timely car insurance renewal to avoid interruption in the benefits.

To get a car insurance renewal, click HERE .

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

Are you a long-ride motorbike enthusiast? Fun is always the best part of such experiences. But what about the rider's security? Safety gear like gloves is a matter of debate, with some viewing them as a fashion statement rather than a necessity. However, gloves can help you maintain a firmer hold on the handlebars, absorb shock better, and protect your hands in the event of a spill. Every rider should have a helmet and gloves for protection.

Investing in a good pair of biking gloves will make you look like a pro and make your rides safer and more comfortable.

The benefits of wearing your biking gloves on long rides.

Your head requires protection while biking so does the rest of your body. If you're in a collision, your legs, arms, and hands are also at risk. Investing in appropriate protective gear for these body parts is a good idea to ensure your safety on the road.

In the event of an accident, your natural reaction is to grab hold of the handlebars as tightly as possible. Most of the impact on the ground will be absorbed by your hands. If you're not using gloves or other protective gear, your hands are at risk of serious injury. To protect against harm, gloves are essential. A cushioning layer prevents damage from falling to the ground's grit, rocks, or gravel.

1. Concern for the riders' well-being:
Some gloves for bike riders feature a cutting-edge design that boosts user protection. To indicate a turn, urban bikers frequently don LED turn signal gloves. The gloves have a futuristic design and are illuminated to send a clear message at night. Most bikers agree these gloves are ideal for using hand signals while riding. Their longevity and solid build quality are additional selling points.
Comfortable gloves are great for long rides because they keep your hands warm and dry. And this is the main reason why bikers always wear gloves. It's normal to get sweaty palms after a long time spent on a bike. Because gloves can soak up moisture from your hands, they significantly improve your comfort level. A tight grip on the handlebars can cause discomfort from pressure and friction. You can reduce this if you wear gloves or other hand protection.

2. A firmer hold:
The temperature and humidity where you are biking can cause your hands to become damp and sweaty, resulting in a compromised grip. High-quality biking gloves allow air to circulate so your hands stay dry and comfortable.

3. It can reduce the impact of a fall:
If you enjoy riding over rough and rugged terrain, you should get accustomed to constant pressure. Gel pads or padding are commonly found in gloves for just this purpose. The gloves' palm padding helps absorb impact and distribute pressure more evenly, protecting your hands from injury.

4. Riding comfort:
Winter weather is a constant obstacle for bikers in northern latitudes. The cold will be especially noticeable on your hands. Good gloves help you ride comfortably to places in cold weather.

In conclusion, biking gloves are vital yet overlooked safety gear. Numerous situations call for the riders to always opt for protective gloves. The level of comfort and security it provides while you ride a bike is elevated to new heights. In addition, a bike insurance online plan protects the policyholder against losses resulting from theft, natural disasters, man-made calamities, etc., making for the perfect protection provider to accompany you on your long-distance adventures!

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.

Applying for a car insurance claim may be a stressful procedure, regardless of how well you may have painted the picture for yourself. However, not all insurance companies are trying to steal your hard-earned money. You can cope with any problems with car insurance claim settlement that may arise by just being informed of the specifics involved in the procedure.

Having a car insurance claim denied is common, though. There's a good chance that someone you know has experienced it. Additionally, it frequently occurs that the policyholder cannot understand why their car insurance claim was denied, which only heightens their frustration.

However, you need to know a few things concerning the rejection of a car insurance claim.

Reasons for denial of car insurance claims:
A typical car insurance coverage will often cover loss or damage brought on by theft, accidents, or other people. However, it would be absurd to assume that your car insurance company will pay for any losses or damages that result from the normal wear and tear the car experiences over time and with use.

What should you keep in mind to avoid your claim from getting denied?

1. Give accurate documentation, even when applying online:
Refrain from giving false or inaccurate documentation for insurance purposes, even if you are applying for a claim online. If you submit a claim and the insurer discovers that the supporting documents are incorrect, misleading, or even phony, your claim may be denied.

2. Read the policy document in its entirety:
Because they are more knowledgeable about the policy's terms and conditions, insurers can better find a point you ignored and use it to support their decision to deny your claim. To avoid this, policyholders are encouraged to carefully read their policy contracts to be informed of what will be covered and what won't. Feel free to seek assistance from someone knowledgeable in insurance jargon to clarify the policy and assist you if you are unsure of what it says.

3. Save every invoice and receipt:
It would be a good idea to have such accessories covered under an add-on cover if your car is equipped with anti-theft gadgets, an expensive radio system, or anything else that is not included in the car's standard equipment. The bills or receipts for purchasing those accessories must be presented, though, if you ever need to claim for the damage or loss of those items. The related invoices and receipts must be available. In every other case, the assertion is likely to be disproven.

4. Remain within the claim intimation time window:
Insurance companies typically stipulate that policyholders have 48 to 72 hours to notify the insurer of any incident or accident after it has happened. Always do so. However, this may only sometimes result in your claim being denied.

5. If a car is stolen, file an FIR right away:
You would be quite stressed if your car got stolen. To register a claim, particularly in the event of a theft, you must first file an FIR at your local police station. Take notice of this step. A claim's submission or approval could be complex without an FIR.

6. For co-passenger protection, take a separate cover:
Co-passenger insurance must be purchased separately for each passenger if you want to provide coverage for them while riding in your car. If you do not have adequate coverage for your fellow passengers, the insurance company may deny your claim for their injuries in the event of an accident.

You can conveniently buy online motor insurance policy, but getting a car insurance claim granted might be challenging. Nothing in this is set in stone, and you may always contact your insurance provider to figure out how to resolve a denied claim or learn the reasons for the denial of your claim. Invite those with knowledge of insurance issues to assist you.

Click HERE to buy 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.

As we get older, our body becomes subject to more wear and tear. Several adults develop comorbidities and illnesses as they hit the milestone of 50. At this stage, getting medical tests and screenings is crucial to maintaining a healthy lifestyle and habits.

While maintaining overall wellness is important at any age, adults are more prone to discovering their underlying health issues at this age. This is when it becomes imperative to get well-rounded annual health checkups to ascertain any medical worries and improve their quality of life.

Unfortunately, along with a sense of wisdom, getting older also brings a list of health complications. While investing in health insurance in India can secure your parents' medical worries, conducting annual health checkups is paramount.

Benefits of annual health checkups for adults above 50.

1. Discover health issues early on:
Getting health checkups involves various scans and blood tests. There are several things you can learn from these tests. When shown to your physician, they can point out any deficiencies and more extensive problems that your tests may reflect. Knowing about these health problems as soon as possible is key to controlling and managing them effectively. You may not be suffering from any symptoms early on. However, it's better to learn about these issues by running tests before matters get out of hand.

2. Know about a disease you're at risk for:
Your tests can also help your doctors find any problems leading to more severe diseases or illnesses in the future. Knowing your family's health history and comparing it with your own can help draw parallels and understand what condition to prepare for.

3. Manage chronic diseases effectively:
With every annual checkup, you can learn how many changes your body goes through. You can also know when you may develop long-term comorbidities like diabetes, hypertension, thyroid, asthma, arthritis, etc., that need hands-on treatment.

4. Save time, effort, and money:
Precaution is always better than cure. Regular checkups can help you prevent illnesses and save you from dealing with severe symptoms later on. Even though you may have secured the retirement life of your parents by investing in health insurance in India for parents, it is always better to know about the upcoming challenges you need to cope with. This saves the amount of time, effort, and money that needs to be spent controlling the health complications that get worse with time.

5. Make better lifestyle choices:
Health issues do not arise simply due to hereditary or genetic makeup. They can also occur due to unhealthy and toxic lifestyle choices. A regular habit of indulging in unhealthy food, liquor, and other narcotics can adversely affect your health.

Unhealthy habits like smoking can cause respiratory and blood toxicity. Getting annual health checkups can help you understand what physical issues these unhealthy habits are causing and how to fix them.

To sum it up, adults need to understand the importance of getting annual health checkups once they turn 50. Ignoring your health will only lead to more problems in the future. Encourage the elders in the family to get yearly checkups on time to avoid undue stress and health concerns. Remember to consider health insurance in India for parents to cover the medical needs of your parents and loved ones.

Click HERE to buy the best health insurance in India for parents.

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.

Running a business is seen as a highly lucrative earning opportunity. However, the efforts, resources, and time required to envision, set up, and grow a business are not discussed enough. While the process is challenging, the true extent of an entrepreneur's sacrifices and the venture's uncertainties go unnoticed.

Considering the volatile settings in which a business must find foundation and prosper, insurance services are a boon that entrepreneurs must benefit from to protect their vision from risks, third-party lawsuits, and compensation claims. One such perk is commercial general liability insurance that provides an enterprise of any size belonging to any industry with the combined benefits of a product and public liability insurance policy.

If you own a business or plan to run one in the future, here's all you should know about commercial general liability insurance.

Defining commercial general liability insurance.

An insurance offering for companies and businesses, a commercial general liability insurance policy is a comprehensive protection from financial losses due to legal claims of bodily injury or property damage arising from business operations. Applicable for accidents caused by the non-negligence of the proprietor, it helps in risk management and ultimately protects the reputation and finances of a business in the long run.

The unique offering is an inclusive product and public liability insurance policy, making it a dual-benefit financial coverage for manufacturers of physical and intangible products and protecting them against claims that may be raised by third-party stakeholders like suppliers, customers, etc.

Coverage extent.

Often considered a comprehensive business insurance cover despite specific exclusions, commercial general liability insurance covers the following risks –

1. Third-party damages and injuries:
Any unintentional accidents that result in bodily injuries or losses for third parties while on business premises are covered under the policy. Therefore, the business can raise a claim in case of any reimbursement of medical bills of the injured or the cost of replacing or repairing any damaged property of third parties. It also includes accidents that cannot be traced back as wilful mischiefs, like accidental fires.

2. Advertising lawsuits:
Amid the highly-competitive environment with unclear and relatively lax laws relating to advertising protocol, it is common for businesses to battle in court over intangible assets like ideas, campaigns, strategies, and patented copyrights or trademarks.
While such issues may arise without ill intent and a genuine lack of awareness, a lawsuit may result in slander, public discontent, or even loss of business due to a change in public sentiments. While the issue and compensation for the party at fault is a judicial matter, the legal expenses borne by the business owner can be reclaimed, as legal and settlement costs are covered under the policy.

3. Product quality discrepancies:
The effective use of a product is highly dependent on its quality, which makes it a significant factor to maintain on the manufacturer's checklist. In case of any issues with the final quality of the product marketed, the consumer is entitled to sue the business for the product quality issues, which may result in end-user harm. This is a serious allegation that can jeopardise the future earning capacity and perpetual continuity of the firm.
While manufacturers must ensure that such serious issues do not surface, commercial general liability insurance protects the business from lawsuits and reimbursement costs.

4. Privacy invasion:
To set your product apart, endorsements may do wonders for increasing its reach and enticing consumers to purchase. But you must always have the legal provisions to use such material directly. Without such an express agreement, the commercial general liability policy can help settle with the aggrieved party outside the court and reimburse you for the compensation.

The above extent of coverage offers a general guideline of the inclusions of the two-in-one product and public liability insurance policy. We encourage business owners to do due diligence before purchasing business insurance to ensure their organisation enjoys comprehensive protection!

Click HERE to buy the best public liability 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.

Many people are passionate about cars and love to add them to their collections with multiple vehicles of different classes and brands. Are you someone who owns multiple cars? If yes, your primary concern would be maintaining the insurance documentation of individual vehicles

What's the solution? If you own more than one car, you can have a single insurance policy covering all your vehicles. Yes, you read it right. The IRDAI offers a provision of paying a single premium for your multiple cars under a multi-vehicle policy or motor floater policy.

Let's understand in depth about this motor floater policy.

Merits of a multi-vehicle policy:

● It can cover up to 05 personal cars registered under a single owner.

● Helps in reducing the hassle of paying and managing multiple premiums and remembering the renewal dates of different policies for different cars.

● Customisation flexibility is offered to the insured to add or remove the cars covered in the policy.

● When you insure more than one car with the same insurance policy, you can be sure that you will save money and get better deals. The likelihood of long-term benefits is assured.

● A hassle-free process will result in less paperwork, and both the insurance provider and car owners may find the process convenient. The management and renewal of the insurance will be simpler for car owners since there will eventually be a single due date for all cars.

● The premium will be calculated and charged based on the usage of the cars, which is a crucial advantage for the insured.

Limitations you must be aware of.
There are a few restrictions you should be aware of before choosing to purchase multi-car insurance.

● Policy premium burden:
With a single renewal date, payments would typically be in substantial sums. Compared to allocating funds for various programs in an equitable manner, this significant money may put a strain on your finances.

● High-risk driving:
If the owner-driver is considered under the high-risk category, the policy's total cost may go up. Thus, it is important to have disciplined driving behaviour and a good record to avoid paying hefty premiums.

● Failure to renew on time:
Failing to renew your car insurance before expiry could cause all the cars covered by the policy to expire. This will happen because there will be a single renewal date for all the cars. If you forget to renew the policy on time, all the cars could become uninsured. Furthermore, you risk losing the NCB on all the cars if you go past the 90-day grace period following the renewal date.

Even though there are a few significant restrictions, insurance companies are working on solutions that could eliminate them, such as simple payment choices and extended grace periods so that you can have best car insurance in India.

*Imp:
The multi-car or motor floater policy is in its initial stage of formulation in India. It has some clauses and is applicable for selective services. Make sure to check further details with your insurance company for a better understanding and get the best out of your car insurance plan.

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.

A personal accident policy covers the loss or damage to the policyholder due to accidents. Considering that unforeseen accidents may happen at any time, one must always be prudent and purchase the best personal accident policy in India for complete coverage. However, does purchasing multiple personal accident policies result in payouts from various insurers? Read on if you need clarification about whether you can claim insurance from multiple insurers for a single accident.

Types of personal accident policy.

An insurance company provides several personal accident plans with differing inclusions, conditions, etc. Here are some of the best plans you can consider opting for, including –

● Individual personal accident insurance plan:
This personal accident plan covers death, and short and long-term disability for individuals due to an accident.

● Group personal accident insurance plan:
This personal accident plan offers primary coverage for more than one person. Usually, employers provide this policy for their employees as an additional perk.

What does a personal accident policy cover?

Under the personal accident policy, you can get coverage for the following damage or loss, including –

● Permanent disability cover: Under this cover, the insurer will pay a pre-agreed amount to the nominee if an accident leads to permanent disability.

● Accidental death cover: In this cover, the nominee will receive the sum assured of the policy if the policyholder dies.

● Temporary total disability cover: In this cover, the policyholder will get the pre-agreed amount if the accident makes them bedridden for some time.

● Permanent partial disability cover: In this cover, the policyholder will receive 100% of the benefit of the sum assured if the accident inflicts permanent partial damage to them.

Standard exclusions from a personal accident policy.

Let’s take a look at the list of exclusions under the personal accident insurance policy:
● Pre-existing disability or injuries
● Intentional suicide attempt
● Childbirth or pregnancy
● Accidents caused due to intoxication
● Non-allopathic treatments
● Taking part in dangerous sports
● Committing a criminal act
● Suffering from a mental disorder

Can you claim from multiple personal accident policies?

It is perfectly legal to purchase and hold multiple personal accident policies. The policyholder can claim from all the individual accident policies for an accident if the damage falls under the section inclusion.

Having multiple personal accident policies is beneficial as they provide extra layers, and the family of policyholders receives more money from different insurers during an emergency. However, if you claim insurance from multiple personal accident policies in a year, the premium will be increased when you renew the policy.

How to claim personal accident insurance from multiple insurers?

Follow these steps to claim insurance from more than one personal accident policy.
● You can make cashless claims from the hospital that your insurance company is in contact with.
● You can also use reimbursement claims when not treated at in-network hospitals. In this method, you pay the hospital bill first, and the insurer reimburses you. You need a few documents to make a reimbursement claim, such as bill receipts, claim forms, discharge summaries, prescriptions, and claim settlement summaries (if you claim from multiple insurers).

While choosing a personal accident plan, check its features, benefits, inclusions, and exclusions. The best personal accident policy in India covers various damages and losses and provides additional perks. Also, when claiming for a personal accident plan, keep a copy of your documents handy for a fast claim process.

Click HERE to purchase the best personal accident policy in India.

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

Having two-wheeler insurance helps you during unprecedented financial situations such as accidents, natural disasters, theft etc. A comprehensive plan covers the damages and repairs you might require in the future for your vehicle.

Over time, with new insurers coming to market and new insurance plans taking centre stage, we find ourselves wanting to make a switch. You might be tempted to change your insurance provider or simply want an upgrade.

This article will help you better understand things you need to look out for before changing your two-wheeler insurance.

1. Sometimes, due to a lack of attentiveness from your previous insurance provider, you might want to make a switch. You can look up the renewal process of the 2 wheeler insurance online. Insurance companies provide a hassle-free renewal process.

2. Instead of switching your insurance provider, you can simply upgrade your plans. At the time of renewal, ask your insurance provider to brief you on all the best and updated insurance plans. You can also check online and find the kind of upgrades the company provides.

3. If you need to switch services during your current policy, you can conveniently do that. First, you will have to close your existing policy. Most insurers will refund you with a few deductions. The switching process is generally hassle-free. You are required to submit documents to cancel your old one once the new insurance provider has given you cover.

4. If cost is the primary reason for you to switch, you should first compare the 2 wheeler insurance available online. Sometimes an insurance company may provide you with more cover for a few extra hundred bucks. If that’s the case, you might want to stick with your existing provider.

5. Look into factors like customer service, efficiency, claim settlement ratios etc. This gives you a better understanding of the company and their market ratings. This plays a massive role in choosing the best insurance provider for you.

6. The following documents are to be kept handy in case of a change of insurance provider:

• Identity Proof

• Address Proof

• Registration certificate

• The previous insurance policy document

• Passport size photo

7. While making the switch, don’t forget to look into the add-ons that the new policy provides. Add-ons such as roadside assistance, engine cover, etc., might increase the premium of your insurance, but it also assures prompt and easy service.

This is a comprehensive list of things you should keep in mind while changing your insurance plans. Remember that the insurance providers are there to help. Asking the right questions and understanding all the services your insurance provider is willing to provide can go a long way. With easy access to technology, you can go onto the internet, analyse various options, and choose the 2 wheeler insurance online that suits you the best.

Another thing to keep in mind is that you need to make these decisions before renewing your policy. Since riding a vehicle with no insurance is a punishable offence. Hence researching beforehand should be your priority.

Click HERE to take a look at 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.

Since Covid-19 hit the world, nothing has been the same. From individuals to industries, every aspect has undergone a massive transformation—changes that are leading to a disruption beyond the bounds of the economy and the global market. We saw extreme survival, lockdowns, economies tanking, corporates trying to run businesses with work-from-home options, and much more.

During lockdowns, businesses, start-up founders, analysts, and corporate professionals across the industries began to figure out the patterns of changing consumer behaviour and the solutions to address their demands.

We, too, believe that the insurance industry is experiencing profound change. The ecosystem is evolving rapidly, and insurers can no longer lean on old standard practices. With people being worried for themselves and their loved ones, investing in insurance meant investing in a healthy life. This has responded to the change in the insurance sector and marked the start of a revolution!

The following are the few emerging trends I believe will change the insurance industry landscape.

Insurance is not about products anymore.

It is almost weird to think about how the insurance sector is not "product-led" anymore. Safeguarding one's assets, health, life, homes, vehicles, and other aspects highlights the severity of having insurance. For example, you can consider health insurance a consumer product, but it is no longer about the "product" game.

The insurance sector is gaining recognition as a "service-oriented" industry. Constituting the perfect experience, right from being the potential customers' first choice to educating them about how their needs are going to be met, helping them throughout the process and beyond, addressing their grievances and providing solutions, and easing up the entire redemption process in the times of need is how you foster and strengthen your customer relationships. With so much focus on instant gratification, insurance companies need to curate an indispensable "service" – something that is hard to replace. We at Magma HDI endeavour to bring these practices into practicality.

Taking efforts to push digital transformation initiatives forward.

The Indian insurance market is encountering a massive technological shift. Digital-first business models are replacing traditional insurance practices. Gone are the days when insurance agencies relied on the older patterns of customer management, applying outdated systems and business thinking. The rise of state-of-the-art technologies has given new hope to age-old insurance practices, which we are the "modern legacy" powered by digital technologies. Digital-first insurers can offer relentless support, ensure transparency, and entrust their customers with realistic and practical solutions.

With these digital initiatives in place, the insurance sector can defy all stereotypes of being considered "conservative". This shift will push insurance companies to collaborate with different technologies developed by the IT sector and keep improving their services to ensure a seamless customer experience. Digitisation is the new cool. And the insurance sector is happily jumping on the bandwagon.

Personalisation is key.

Insurance companies need to admit that the habits and mindsets of consumers have changed with time. Personalisation is the new way of interaction that insurance companies need to adapt to volunteer the special interest of their customers. Tweaking your benefits and providing opportunities in a way that speaks "your" language, something unique to "you", is how we have been challenging the existing conventional work approach.

Data is the greatest resource in personalisation. This data includes the basic information, location, behavioural data of customers, etc. Making the right use of the collected data, the customers expect a personalised experience that can improve the relationship the company has built with them.

Delivering personalised services helps you strengthen your equations with your customers and prove that you, as an organisation, value their loyalty and contribution to the company's growth. It assures them that the company is standing strong with them. The other benefits of personalisation include an increase in sales, a boost in company’s reputation and the number of converts, customer retention, insights into consumer behaviour, and much more!

The transition of the insurance industry from traditional to digital, is making headlines and grabbing everyone's attention. The innovative-first approach and efficient technological solutions are leading the way to more promising insurance transactions and trusted customer relations. Your products might be one in a million but curating a perfect customer experience takes you to the top.

The industry is at a pivotal moment in developing forward-thinking insurance services, as the market is grappling with change at an exceptional speed. These are exciting times to take a step ahead and build deeper relationships with customers throughout the customer journey.

Being an entrepreneur brings a lot of risk to the table. Insuring your business against liabilities and risks is a wise consideration. Business insurance can help a company protect itself from unforeseen circumstances, such as natural disasters, theft, unintentional injuries, etc. It is of utmost importance for a business owner to be able to assess the risks involved with their line of work. They should consider the needs of their business so that one mishap does not wipe out their entire life's work.

Irrespective of whether you are just setting up or are an established player in your niche, specific policies like public liability insurance in India are essential to cover your business from lawsuits and compensations.

Here are some kinds of insurance that can help cushion the liabilities your business may face in uncertain conditions.

1. Property insurance policies:
For your small start-up business, you spend most of its capital on inventory. In the case of damage to the property, it is tough for businesses to replace or repair damaged property. Some companies never recover from this. So, it is paramount to insure the physical location, tools, and other industry-specific equipment against damages.
However, most property insurance policies don't protect businesses from natural disasters like cyclones and floods, so it's best to talk to your insurance company about all the policy clauses beforehand.

2. General liability insurance:
This insurance helps you bear the costs of legal fees and other liability claims arising from third-party injuries due to your product or business. The entire cost of any legal proceedings that arise from a lawsuit against the company has to be paid by the owner. Whether working in an office setting or remotely, you should be insured against this possibility as it can significantly impact your finances. Research public liability insurance in India before choosing the best policy for your needs.

3. Worker's compensation insurance:
Worker's compensation insurance is mandatory in most cases. This policy is necessary in case of employee injury, death, or illness. It also covers the legal fees if the deceased's family decides to sue the business. Slip and fall injuries may also happen within your premises, and you might have to incur considerable hits to your business by paying off medical costs.

4. Professional liability insurance:
Professional liability comes under the same realm as general liability insurance but has a different use. This insurance is solely for errors or lack of proper service and is also called errors and omissions insurance. It covers the financial repercussions of negligence on your part in rendering any services. However, this policy is usually industry-specific, so it is wise to take expert advice from your insurance company for your specific profession.

5. Business interruption insurance:
In the event of any natural disaster or other unforeseen situations like a riot or a strike in the work area, a business cannot continue uninterrupted. This results in a loss of income due to the stoppage of the ordinary course of a business. In this case, business interruption insurance comes in handy, as it compensates the company for its lack of income in the time it takes for them to get back on its feet again.

6. Commercial vehicle insurance:
Any company that uses vehicles for commercial purposes should insure their vehicles against any damage caused by unforeseen accidents, fire, or theft. This is mandatory in India, but you should research your options to get more comprehensive coverage.

Buying insurance, especially public liability insurance in India, is an essential step in any business owner's journey. Research all your options thoroughly and make an informed decision. Take account of all the risks and accordingly prepare a strategy to mitigate them without sustaining any loss. The growth and security of your business rely on your alertness and preparedness to avoid falling prey to financial loss due to unexpected mishaps.

Click HERE to know more about public liability 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.

Natural gas is commonly used at homes for cooking and heating purposes. It is a fantastic fuel and is highly convenient for domestic purposes. However, since the gas is combustible, a leakage in large amounts can cause suffocation and death.

As natural gas is colourless and odour-free, it is always difficult to find any gas leak signs in your home. Also, remember that it might not have physical indications or smells. So, how can you identify natural gas leaks? Let's look at everything you need to know.

Detectors for Natural Gas leaks.

1. Propane & Natural Gas Detector:
The goal of these sensors is to notify about grills or stoves being switched on. Many homes use sensors to detect whether the youngsters in the family are tampering with the grill or stove. These sensors come in both connected and wireless forms. If you have a hardwired sensor, you can use a wireless transmitter to connect to it.

2. Carbon Monoxide Detector:
When these detectors sense a particular level of carbon monoxide in the air, they go off and sound an alert. It has a combination of different sensors that help it function, such as

• A biomimetic sensor changes colour as it absorbs carbon monoxide, and this colour shift activates the alert.

• The silica chip's circuitry system detects carbon monoxide, which reduces the electrical resistance and causes the alarm to sound.

• If the electrodes in a chemical solution present in the detector come into touch with carbon monoxide, they detect variations in electrical currents, triggering the alarm.

Traditional ways to detect a gas leak.

1. The smell of a rotten egg or sulfur:
Natural gas and propane have unique odours for a particular reason. Gas processing companies employ mercaptan as a safety additive because it gives the colourless and odourless gas a distinct odour. Most people associate this odour with rotting eggs or sulfur. So if you smell anything of such nature, investigate for a gas leak.

2. Dead vegetation:
Although you can't see the gas pipelines beneath the soil, a visible patch of dead vegetation can signify a leaky gas pipeline underneath.

3. Hissing sound:
You may hear a mild hissing sound coming from your gas line if there is a leak. This is a solid sign to get the line diagnosed immediately.

4. The bubble test:
Combine a teaspoon of detergent with a cup of water. Apply this solution to the area you believe is leaking and watch for bubbles to form. This signifies that gas is leaking from that location.

The possibility of a gas leak can be frightening, but understanding how to recognise danger and what precautions to take can help you relax. When it comes to gas leak detection, using the methods outlined above can assist you in determining whether your family and house are in danger.

One more step in maximising safety is to get insurance for you, the loved ones and your valuable assets. Browse through different plans of general insurance companies in India and analyse your requirements. Buy the plan that meets all your needs and safeguard your home against these risks.

Click HERE to explore insurance plans from one of the best general insurance companies 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.

Bone injuries are severe and painful. They make your life miserable, and everyday chores become a huge task. The post-fracture recovery takes a long time to heal the bone. It requires the patient to undergo complex procedures to ensure that the bone heals appropriately and that normal body functions are not obstructed. Although your body has exceptional capabilities to heal itself, you must still take extra care while doing daily tasks.

We all have fallen at least a couple of times in our lives. We bruise, get cut, bleed, sprain, pull a muscle, or break a bone. There is always a risk of a hairline fracture. You must be aware of the term and how risky it can be. If you are somebody who is a stranger to the concept of a hairline fracture, do not fret. This blog discusses what it is, the signs of hairline fractures, and tips for healing them effectively. Let’s begin!

1. What is a hairline fracture:
Hairline fractures are also known as stress fractures. These fractures occur when small cracks appear and grow on the bones of your foot, lower leg, and hands. Hairline fractures are often observed in the bodies of people with a lot of footwork, like jumping, running, hardcore workouts, and other athletic activities in their routine. Moreover, in other cases, hairline fractures result from accidents and collisions against hard surfaces, during which the bones in your body bear an impact and get fractured.

2. Causes of hairline fractures:
As discussed above, excessive and heavy footwork involves activities that put a lot of continuous strain on your foot and ankles. Bones are very rigid parts of our body and can bend only to an extent to maintain the smooth functioning of the ball and socket joints. Persistent pressure on the bones also affects their elasticity and can develop minor stress or hairline fractures.

3. People at risk:
Apart from those who play challenging and heavy-impact sports and the ones who work out a lot might be affected by these hairline fractures with no warning. Genetic and biological factors like gender can influence a high risk of hairline fractures. These fractures are usually common among females.
Physical abnormalities (arched foot, etc.) or using the wrong footwear could also put your bones under stress, even while doing menial chores. Osteoporosis, or weak bones, a history of fractures, and dietary insufficiency (lack of nutrient-rich food items that help strengthen the bones) are other factors that can cause hairline fractures.

4. Signs and tips to heal:
Shooting or sharp pain, inhibition of movement, swelling, inflammation, tenderness, and bruised patches indicate hairline fractures in your bones. You can consult a doctor and get an MRI or X-ray done to confirm their diagnosis in case you have a hairline fracture.

The first and foremost tip for healing the fracture is to rest completely and avoid doing any heavy tasks. Secondly, in the first one or two days, you need to ice the area using ice packs frequently. This will help in reducing the swelling. With the decrease in swelling and lower pain, you can slowly resume your daily routine with extreme caution. Consult a doctor who might recommend crutches, protective shoes (footwear), or a splint to help avoid putting the damaged part under stress and provide maximum support.

That’s all for the signs of hairline fractures and tips to heal them effectively. You must ensure to stay in good health as much as possible. Take the best precautions and remain vigilant. Another wise decision would be to purchase a personal accident insurance policy to avoid monetary stress during mishaps and protect yourself and your family. Explore your options and buy the best personal accident insurance policy that provides optimum protection.

Click HERE to learn more about the personal accident insurance policy.

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

The recent Economic Survey for the year 2022-23 presented by the Government of India indicates a positive growth outlook for the Indian insurance sector. With the general insurance policy penetration rates at par with the global level, one may assume that all insurance policies are equally preferred in the country.

However, upon careful inspection, it is easy to realise that personal accident insurance plans do not enjoy such high penetration as popular insurance like health insurance, which is considered necessary. While many may think the formerly mentioned plan is sufficient to cover every contingency, the coverage against disabilities and personal accidents is often left out of the scope of consideration.

Defining personal accident insurance plans.

Personal accident insurance plans are a type of insurance that provides coverage in the event of an accidental injury or death. It offers financial support to help cover medical expenses, lost income, and other expenses that may arise from an unforeseen injury or death. Apart from monetary compensation, it also offers peace of mind to policyholders without worrying about the financial consequences of an unexpected accident.

The need for personal accident insurance plans with other insurance.

Buying health insurance only provides limited coverage for the illnesses and conditions included in the policy, leading many to believe it is enough to provide comprehensive protection against adverse events affecting one's well-being. However, this assumption is flawed, as can be understood from the definition above. Hospitalisation due to the policyholder's illness is a prerequisite for raising a successful claim. In case of only accidents or injuries, the policyholder is left unprotected, making purchasing personal accident insurance plans essential.

1. Coverage extent:
Health insurance only provides compensation in case of the policyholder's death or hospitalisation due to specified illnesses. It offers no specific coverage or payouts for accidental death or injury. Personal accident insurance plans supplement such cases by covering accidents caused during travel, work, commute, etc.

2. Financial compensation:
One of the benefits of personal accident insurance is that it provides financial support to help cover medical expenses and loss of productive capacity due to an accidental injury or death. This way, hospitalised policyholders who cannot return to work for a stipulated period are offered a daily cash allowance and additional benefits for their dependents, like children's education and transportation allowance.

3. A broad scope of disability coverage:
Most personal accident insurance plans offer coverage for accidental death, permanent partial or total disability, or temporary total disability. This provides incidental disability or death coverage regardless of the cause, unlike health insurance. Therefore, personal accident insurance plans offer peace of mind to policyholders about the financial consequences of an unexpected accident.

4. Flexibility of coverage:
Personal accident insurance plans are generally more affordable than other insurance types. They are also flexible, allowing policyholders to choose the ideal coverage for their needs and budget, making it accessible to a broad range of potential policy purchasers.

Standard exclusions to keep in mind.

Like every insurance product, personal accident insurance plans exclude certain factors such as natural death, high-risk work environments, childbirth or pregnancy, suicide, and self-inflicted injuries. Accidents caused while participating in extreme sports, under the influence of intoxicants, or while engaging in criminal activities are other reasons that most insurers do not provide coverage.

Despite their exclusions, personal accident insurance plans are excellent supplements to health insurance and provide relatively comprehensive protection against the financial impact of accidental injury or death. We urge you to consider purchasing personal accident insurance plans to protect against unforeseen accidents.

Click HERE to browse through different 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.

Losing your traditional car keys is a minor concern as you can quickly get a duplicate key made by the car service centre. However, as vehicles have become more technologically sophisticated, getting new keys can be more technical and expensive than ever.

It can take several steps and leave a dent in your wallet to replace a lost or stolen key, depending on the type and model of the car you drive. Fortunately, when comparing new car insurance rates, you can purchase an add-on coverage to protect your car keys.

While the add-on cover can limit your expense, here's what you should do if you lose your car keys.

1. Verify carefully:
Before deciding, conduct a comprehensive search for the keys everywhere. Retrace your steps and cover all the spaces you may have placed your keys.

2. Inform your insurance provider:
When you lose your key, the first thing is to write to the insurance provider and tell them what happened. With a misplaced key, there is a considerable risk of vehicle theft. Additionally, they may require the submission of an FIR filed with the nearest police station.

3. Reach out to a franchised dealer:
Contacting a manufacturer's dealer for your car is recommended if you need an OEM replacement key. It frequently costs money and takes time to obtain. If your original key offered features like a hands-free boot release, you will receive a new key identical to it in addition to programming for those features.

4. Decide on your car's essential type:
If you lose the existing key and have no spare, consider switching your key type. Traditional transponder, FOB, and intelligent keys are options to choose from.

How to recover different kinds of keys.

1. Traditional key:
You must put a conventional car key into the ignition cylinder to start your vehicle mechanically. If you misplace your car keys, you can phone an auto locksmith, who can immediately make you a new key. You might need a new ignition lock cylinder and key from the dealer or another repair facility.

2. Transponder key:
These keys are more advanced and detected by the Electronic Control Unit that starts the engine. A skilled electronic locksmith can help as they have spare keys equipped with the same tuning chips as your car. But they bill you more than they would have for a regular car key.

3. Smart key:
Modern vehicles almost universally include push-button start and keyless entry. However, we advise keeping a spare in your glove compartment for emergencies. If you lose your keyless entry FOB, you can buy a spare key or have your car towed to the closest brand dealership, where they will program a new FOB to pair with your vehicle. Smart keys are the most expensive set of keys among all types, and you should only get them from your authorised car dealer.

Losing your car key is not a significant concern as there are several ways to recover a new one or attain a spare key. Also, consider purchasing key protection coverage while evaluating new car insurance rates for comprehensive coverage of your car and its key. It's always a safe option to watch out for your car keys and keep them safely in your pocket and avoid leaving them unattended.

Click HERE to buy comprehensive 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.

When looking to purchase bike insurance coverage, there are a variety of options available. A comprehensive policy with zero depreciation add-on coverage is among the most used motor insurance policies.

This post will discuss the advantages of purchasing the zero depreciation add-on, how it improves coverage, and most importantly, whether the higher price is justified. To learn more, keep reading.

What is zero depreciation on bike insurance?

As a policyholder, you must be informed of the numerous crucial provisions of bike insurance. The depreciation component is one of them. Depreciation is nothing more than a loss in value that occurs over time. The bike and its components experience normal wear and tear over time. The result is depreciation.

When you file a bike insurance claim, the depreciation factor comes into play, and your claim amount is reduced. This is why you want to think about acquiring zero-depreciation two-wheeler insurance. You can purchase this add-on coverage along with the complete bike insurance plan. No matter how old or the bike has depreciated, the insurance company will pay out the entire claim amount when you have a zero depreciation cover.

The benefits of bike insurance with zero depreciation.

● More compensation: With a zero depreciation add-on, the cost of repairing your bike is covered without accounting for the bike's diminished worth. Consequently, you are reimbursed for the entire coverage.

● Saving money: You pay a higher cost with a zero depreciation add-on. But it's also true that your insurer will pay you more when you file a claim. Additionally, if you get insurance from an insurer that permits limitless zero depreciation, you can save money each time you file a claim for your motorcycle.

● Abundant coverage: Every bike owner can benefit from a zero depreciation add-on cover, valid for inexperienced and seasoned drivers. This acts as additional insurance to handle any financial problems arising from any catastrophe with your bike.

● Restrictions on out-of-pocket charges: With this add-on coverage, you can limit any additional costs that an insured person would otherwise be required to pay as depreciation charges. The depreciation value will not be considered when settling your claim, though, if you already have this add-on coverage.

● Reduces mental stress: The zero depreciation add-on cover provides a second layer of protection, which gives you more peace of mind by reducing your financial stress to a large extent.

When is a zero depreciation add-on cover required?

1. If you've only just started riding:
Compared to seasoned bike riders, new riders are more likely to make mistakes that result in collisions and bumps. Therefore, a zero depreciation cover would benefit you if you have just started riding two wheels.

2. If you purchased a new bike:
Since new bikes are so expensive, you should cover them as much as possible with protection. You may aid yourself at this point and preserve your bike in excellent shape for longer by getting a decent zero depreciation cover.

3. If you drive a pricey automobile:
If you possess an expensive bike, you should purchase the zero depreciation rider. A costly motorcycle requires a lot of money for repair and maintenance. Thus, you should be reimbursed for the total cost of each repair each time.

4. If your neighbourhood is dangerous:
Some neighbourhoods are crowded or prone to accidents. Acquiring zero depreciation insurance will benefit you if you live in such a location.

Reminders regarding the zero depreciation add-on cover.

Keeping the zero depreciation add-on cover in mind will help you recall the following:

● It is offered for new bikes up to two years old

● This addition does not waive the required deductibles

● Most insurance companies permit claims with no depreciation addition twice per year

A comprehensive bike insurance policy provides additional financial security if the bike sustains damage. Furthermore, a zero depreciation add-on to comprehensive insurance strengthens and adds more security when you file a claim. The most incredible thing about this addition is that by avoiding depreciation reductions, it can raise the amount of your claim. If the zero depreciation add-on is offered when you renew the bike insurance plan, you should consider opting in.

Click HERE to buy the best bike insurance plan 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.

Over the years, there has been a significant and gradual increase in the demand for luxury goods globally. In the automotive industry, superbikes are an excellent example of the shift from only necessities to splurging on comforts and luxuries. Once considered only for racing enthusiasts, high-capacity motorcycles with an engine capacity of over 150cc are now being used for recreational purposes and commuting.

However, the recent cases of rejected claims by motor insurance companies for accidents involving superbikes have raised concerns over the technicalities of insurance contracts and their effectiveness in shouldering financial losses.

Read on to find out about one such case, the aftermath, and some tips to ensure that your policy covers all such damages if your bike has a high engine capacity.

Case study:
This claim settlement case involved a bike with an engine capacity of over 340cc, which faced an accident, resulting in the rider's demise. The motor insurance company denied the claim since the bike insurance policy included a clause that stated that it should not cover personal accident claims involving bikes or scooters with over 150cc engines.
While the claim was initially denied, the motor insurance company later released the sum to the insured's family and clarified the issue. The insured was covered under an outdated policy that they had since updated to include personal accident cover.

This brings us to our question, is a high-engine capacity bike not covered under bike insurance?
While the case in question may make you believe that superbikes are not included under the provisions of bike insurance policies, it is not the case! The legal requirements of an insurance contract are constantly tweaked to provide maximum benefit to the insured while ensuring that the motor insurance company is aware of all the facts regarding its client to ensure that no insurance fraud occurs. While the old insurance clause excludes personal accident covers, potential policy buyers should read the fine print of their insurance documents to ensure that they are provided with the most recent version of the insurance policy that maximises inclusions.

General engine capacity and usage inclusions as per the old rule:
The old rule prevents the insured from lodging personal accident claims for motorcycles with an engine capacity greater than 150cc. Generally, 2-wheelers with an engine capacity of less than 150cc are used for commuting purposes only. They are, therefore, less risky and more profitable for the insurer since accidents are relatively fewer when compared to bikes with high engine capacity. High cc bikes are expensive, have lower mileage, higher premiums, and have less fuel efficiency.

Tips to ensure that all relevant damages are included in your policy.

As a prudent mechanism, insurance protects the insured in most cases as long as the circumstances are not stated as exclusions from the policy.

1. Read the fine print:It may seem tedious to go through the minute details of your insurance, but it is the safest way to ensure that your motor insurance company is providing you with the latest version of the policy with the most inclusions.

2. Consider purchasing an add-on: Despite close inspection, if specific clauses restrict the scope of potential claims, it is advisable to buy add-on facilities such as zero depreciation cover to keep your expensive possession safe.

3. Compare your alternatives: Before committing to an insurance provider, it is highly advised to compare the existing options and choose a plan with the most inclusions and justified premium with a high claim settlement rate.

4. Renew your policy on time: Delayed renewals and outdated coverage plans are significant issues that potential policy buyers must avoid.

Bikes with higher cubic capacity deliver a powerful performance, making it a worthwhile investment for motorcycle and speed enthusiasts to get their adrenaline rush. Since their cost and insurance premium is more significant than lower cc engine bikes, it is necessary to check the specifications your motor insurance company provides thoroughly. Read all the terms and conditions before making a final decision.

Click HERE to buy insurance from the best motor insurance company.

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.

Public liability insurance shields policyholders from lawsuits brought by third parties for their injuries, damaged property, or other damages due to the insured's negligence. Many people, particularly owners of small businesses, are still determining whether getting public liability insurance is required. We'll look into the answer to that question in this blog post.

General liability insurance may, however, be mandated by law as part of the licensing or registration requirements for specific businesses or professions. Let's dive deeper and understand why purchasing public liability insurance would be better for you.

Reason 1:
It is strongly advised that you consider getting public liability insurance even if your profession or industry does not mandate it. This is because accidents can occur at any time and can be highly expensive to handle. For instance, you can be responsible for paying a customer's medical bills, lost earnings, and other damages if they slip and fall on your property. You would have to cover these expenses out of your pocket if you didn't have public liability insurance, which might be extremely expensive.

Reason 2:
Public liability insurance helps shield your and your brand's reputation. If a client or a public member is hurt or loses something due to your company's negligence, it could hurt your reputation and generate bad press. By having public liability insurance, you can show your clients that you care about their security and well-being and that you have the resources necessary to cope with any mishaps that might happen.

What should be considered while purchasing public liability insurance?

1. The amount of coverage you require should be carefully considered before buying public liability insurance. The level of risk involved and the kind and size of your organisation will determine how much coverage is necessary. For instance, a tiny home-based firm would need essential protection. In contrast, a larger company with many employees and risky operations might need higher security.

2. To make sure you know what is and isn't covered, it is also crucial to carefully read the terms and conditions of your public liability insurance policy. Before acquiring insurance, it's critical to be informed of any exclusions or coverage restrictions that might apply. Although you will depend on the insurance provider to cover any potential claims, ensuring they have a solid reputation and sound financial position is also crucial. Therefore, when buying public liability insurance, it's vital to carefully examine the degree of protection you require, review the policy's terms and conditions, and select a reputed and financially sound insurance provider.

3. Cost should be considered when selecting public liability insurance. The price of public liability insurance will change depending on the level of protection needed, the size and type of your business, and the insurance provider you select. Even if cost is a crucial element, it shouldn't be the only factor you consider. In addition to the protection, comparing the insurance cost to the possible costs of a claim or litigation is crucial.

In conclusion, even though many businesses do not think about acquiring public liability insurance, it is strongly advised that you consider doing so. Accidents can occur at any time, and if you don't have public liability insurance, you may be responsible for significant losses and costs.

Also, by acquiring public liability insurance India, you can show your clients that you care about their security and well-being and that you have the necessary resources to cope with any mishaps that may happen. Therefore, explore your options and purchase the best public liability insurance, which would cater to your organisation's and your client's needs in the best way and add the layer of security as required.

Click HERE to learn more about the benefits of purchasing public liability 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.

We have seen cars with various types of number plates. Usually, the number plates of vehicles include the vehicle's registration and the state in which it was registered. There are VIP number plates too, which have digits in a unique combination and cost much more than the regular number plates.

In this blog, let's decode the BH series number plates that have been quite talked about recently in India.

1. What are BH series number plates?
In layman's terms, a car with a BH series number plate will not have to get a new registration card upon moving to a new state. These BH or Bharat series number plates were brought into execution in 2021 by the central government of India. It allows the vehicle owners of non-cargo automobiles to shift from one state to another without worrying about getting a new registration for their cars, two-wheelers, etc.

2. How are these BH series number plates useful?
The BH or Bharat series number plates have proven helpful for people in the government sector who frequently have transferable jobs, for people in the defence sector, or the private sector who regularly have to change their location to cater to the demand of their work and the companies they are employed in. These number plates allow them to avoid the hassle of exhausting themselves by running to the RTOs (Regional Transport Office) and getting a new registration for their non-cargo four-wheelers and two-wheelers.

3. Some information about number plates is essential.
The regular registration of a non-cargo vehicle involves limiting it to one state. The initial two letters of the number plates denote the state the car was registered in. For example, GJ for Gujarat, BR for Bihar, TN for Tamil Nadu, DL for Delhi, MH for Maharashtra, etc. The two digits next to the letters depict the district of the state of registration.
However, for regular registration, when a vehicle is shifted from one state in India to another, it is permitted to use its old registration and number plate for up to twelve months. After this period of one year, the vehicle needs to get a new registration at the RTO of that particular location. This new registration includes a NOC certificate, additional charges, and taxes, which will be informed upon your visit and consultation. The vehicle owner will be fined according to the costs of the new state if they fail to complete this process in time.
However, the registration process for BH series number plates began on the 15th of September 2021, and is entirely digital. Therefore, all your application work has to be done online. This avoids the struggle of commuting to the assigned government office and getting in line for your work to be completed.
A BH or Bharat series number plate will look something like this:
XY BH $$$$ XX
XY is the registration year, BH is the Bharat series code, $$$$ is the registration number of the vehicle (ranges from 0000 to 9999), and XX are alphabets from AA to ZZ indicating the category of the car.

The introduction of BH or Bharat series number plates provides a huge relief against this tiring and lengthy process for the people who have to move their families and house setup from one state to another quite often.

We hope this blog gives you insights into something new that benefits you or clarifies the BH series number plates. And while we are on the subject of cars, you must already be aware of the necessity of getting car insurance to safeguard your car during unfortunate circumstances which might lead to hefty damages. To choose which car insurance to buy, one of the most critical factors is to look at the standard car insurance price in India and compare different plans and their coverages accordingly.

Click HERE to learn more about the average car insurance price in India and which insurance would be beneficial for you.

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

Cleaning a driving test to obtain a two wheeler licence seems complicated, and the application procedure for a rider’s permit often dissuades many people from learning how to drive a two-wheeler. Balancing, control, awareness, and judgement are parameters evaluated during the practical assessment.

One of the most commonly feared parts of the test is manoeuvring the 8-track. It is the perfect test of all the criteria mentioned and requires excellent balance and coordination. Additionally, steering ability and break application are also checked in the test.

If making an 8-curve on your two-wheeler intimidates you, here are some simplified steps to ensure perfect results each time!

1. Pre-ride check:
Before starting, ensure your two-wheeler is fuelled and has appropriately functioning brakes and indicators. It is also necessary to practise with your helmet on to prepare yourself for the actual test, where it is compulsory to ride with your helmet on. Before starting, we recommend warming up by doing short laps in an open area to ensure you are correctly seated and find the right balance.

2. Initial right curve:
Usually, making an 8 begins by taking a right turn to form a quarter of the 8. You do not need to use the indicators in this section, so just focus on steering. Ride slowly up the arc and proceed towards the mid-point by following the lane markings to aid proper steering.

3. Prevent understeering:
The second quarter or the arc of the 8 can be easily manoeuvred by ensuring you do not understeer. Understeering occurs when the handlebar is turned at an angle less than the desired angle. Again, follow the markings to get a better judgement of the angle of steering. Maintain your momentum and balance while making the turn.

4. Reverse S-shaped curve:
After crossing one-half of the track, instead of sticking to the inner edge, slowly shift to the outer boundary of the curve to complete the reverse S arc. You might steer at a wider angle than required at this stage, resulting in your bike crossing the track boundary. This causes a failure in the test. So, be careful and ensure you have a strong grip on the handlebar.

5. Final curve before exiting:
The final curve is the easiest since it requires central positioning and basic balance before exiting the track by turning on your left indicator.

All you need to do is ensure coordination between the clutch, gear shifting, and accelerator while completing the 8-track. Remove the fear from your head, and understand that it is all about balance! Take a deep breath and get through.

Additional tips to make manoeuvring effortless.

For a rider with experience, the steps mentioned above may seem excessively detailed, but a beginner may require additional inputs to follow the same. Keeping these in mind can help prevent mistakes and make it easier to steer through continuous curves.
● Shift your weight slightly as you steer your bike to maintain your balance
● Do not go extremely slow, as it makes balancing difficult
● Ensure that you do not shift your handlebar to either end
● Keep your body relaxed and elbows at right angles to distribute weight evenly.

Beginners often question the need to learn how to make an 8-curve on their two-wheelers perfectly. Although such opportunities are rarely faced on the roads, they prepare one for sharp turns, immediate application of indicators, balance, and coordinated judgements. These skills are fundamental requirements of a good rider and prepare one for all terrains and roads. Before you begin practising your figure 8 manoeuvre skills, consider purchasing two wheeler insurance India which covers any accidents and allied costs you may face.

Click HERE to buy the best 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.

We all follow different sleeping patterns and habits. Some people like to sleep more, while some tend to avoid sleeping at all. Many fall asleep the moment their head hits the pillow, whereas others struggle to get any sleep throughout the night.

Inconsistent sleeping patterns can be hazardous to health. It disintegrates the whole sleep cycle and leads to various health problems. Sleeping too little or too much can be problematic in their ways. But how is oversleeping a bad habit? How can it affect your health negatively?

There are several reasons why oversleeping is bad for your health and can lead to severe problems. These problems can affect your health adversely. You must always have a health insurance policy handy to deal with unexpected medical expenses. Also, ensure that you take care of your health insurance policy renewal to enjoy the seamless benefits without interruptions.

Let's look at various things related to oversleeping.

How much sleep is adequate?

The amount of sleep you should get throughout the day varies for different people. If you're unwell or tired, you will require more sleep. If you are young, you're likely to fall asleep faster due to increased physical activity.

It is recommended to get over 7-9 hours of sleep at night. Any sleep above this can result in oversleeping. The various ill effects of oversleeping are mentioned below.

● Diabetes:
If you sleep more than the designated time at night, you are likely to be on the verge of developing diabetes. Oversleeping puts one at risk of a spike in sugar content in the body. Even not sleeping enough can lead to the same problems.

● Back pains:
Research has shown that oversleeping can be one of the causes of back pain due to disoriented sleep positions for long hours. It is recommended to perform certain exercises to help you deal with such back pain and, most importantly, avoid oversleeping.

● Obesity:
Oversleeping can cause weight gain drastically. If you sleep more than 9-10 hours, you'll likely develop obesity over five to six years. The reason is that your body goes into relaxation mode while sleeping. Lack of physical activity reduces the BMR, impacts digestion, and results in fat accumulation.

● Depression:
Not just physical ailments, but oversleeping can also lead to mental health issues. People who sleep more than usual are likely depressed. While oversleeping, one decreases their chance of recovering from depression.

● Headaches:
If you're prone to headaches and migraines, oversleeping can worsen it. Whenever one sleeps more during the weekends, it can disrupt their sleep cycle. Irregular sleep patterns can lead to persistent headaches. This is because it fidgets with the neurotransmitters like serotonin in the brain.

● Heart disease:
A lot of research has been conducted to validate that oversleeping can lead to increased heart disease. It puts you at risk of developing cardiovascular disease due to a sedentary lifestyle and lethargy. Oversleeping causes obesity which in turn puts pressure on the heart.

● Impaired fertility:
Women who oversleep can find it difficult to conceive. It is also the same for women who sleep less than the given time. It can affect their cycle badly and disrupt the hormone levels in the body.

● Death risk:
It is alarming to note that oversleeping can lead to an increased risk of death. It can also be directly linked to the risk of developing a stroke.

Everyone should sleep only 7-8 hours throughout the day. It is best to avoid napping during the day to sleep better at night. One should also maintain a good diet and exercise to keep themselves fit and energised. Prioritise your health, practise mindfulness, develop a sound sleep routine, and invest in health insurance to keep away your worries. You should also complete your health policy renewal on time to avoid problems later.

Click HERE to get your health insurance policy 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.

People with insomnia do not get enough sleep, and most of the days do not wake up feeling refreshed. The cause of sleep deprivation varies among individuals. Sleep deprivation is associated with various issues like weariness, difficulties focusing, mood fluctuations, and poor job performance. However, most cases of insomnia are caused by stress, an unpleasant experience, or abnormalities in the sleep cycle. Severe insomnia can only be cured via treatment. However, short-term insomnia is manageable.

If you have trouble falling asleep after retiring for the day, no matter how weary you are, here are some home cures you may try.

1. Yoga:
Yoga is considered a proven method to improve sleep quality and boost mental well-being. It also helps reduce stress, enhance physical performance, and increase concentration.
Remember to choose a style that emphasises moving meditation or breath work over strenuous physical motions. Slow, controlled motions help you to maintain your attention and concentration. Practicing the poses before going to bed might help you relax and unwind.

2. Meditation with awareness:
Mindfulness has been shown to improve well-being by lowering stress, building tolerance, enhancing good mood, and even strengthening immunity. It also has a positive influence on one’s sleep quality and schedule.
There are many free and commercial mindfulness videos, applications, and podcasts accessible online. People who want to experience mindfulness may decide to take a class, join a local weekly workshop, or visit a retreat.

3. Magnesium:
The magnesium generally produced in our bodies also aids in promoting a balanced sleep-wake cycle. Taking a daily magnesium supplement may help patients sleep better and for more extended periods. Consuming magnesium-rich meals, particularly in the evening, may aid in inducing better sleeping patterns.

4. Lavender oil:
For years and years, people have used this essential oil as a natural medicine to enhance sleep and produce feelings of relaxation. Lavender oil may be used as a pillow spray, patch, massage oil, or aromatic diffuser to help sleep. Lavender promotes sleep onset, healthy sleeping habits, and sleep patterns.

5. Practice sleep hygiene:

In its most basic form, sleep hygiene outlines a person’s nighttime habits and activities.

Individuals may improve their sleep hygiene by doing the following:

● Avoid computers, laptops, mobile phones, and televisions at least an hour before night

● Making the bedroom dark with muted lights, thick drapes, and blinds, or wearing earplugs and eye masks

● Avoid liquor, tobacco, and caffeinated drinks in the evening

● Maintaining a regular bedtime pattern that involves sleeping at the same time each night and waking up at the same time each morning

● Abstaining from eating large meals for dinner

● Take a hot shower or bath before going to bed

As per the studies carried out, insomnia is a frequent disorder with up to one-third of individuals suffering from it at some age. There are numerous cures and practices that a person who has insomnia might attempt to enhance their sleep. However, these home remedies will only work for people with minor insomnia.

We recommend consulting with a doctor for anyone going through chronic insomnia. Also, almost every health insurance covers the medical treatment for this disorder. Remember to get your health insurance policy renewal on time to avoid the last-minute hassle and avoid the lapsing of your current plan.

Click HERE to get a health insurance policy 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.

Insurance policies, including non-general and general insurance plans, have gained popularity among Indians. While the increased penetration rate is a welcome change, protecting policyholders against potential fraud becomes essential. Insurance companies are taking adequate measures to spread awareness and educate potential policy buyers about possible crimes that involve fake policies, fraudulent insurance agents, mis-sold policies, etc.

This blog informs you about insurance traps you might be prone to and helps you elude them.

1. False alerts: reviving expired policies –
One of the many ways scammers trap innocent people is by calling them about policies that lapsed a while back due to payment failure. These dormant policies are then illegally accessed by telemarketers, who call up policyholders, informing them of good news. According to them, policyholders can now get a bonus on their policy, but you can only access it with a fee. They may also try to sell new policies. You can easily avoid this trap by being vigilant and reading the fine print of your policy.
To prevent scams and fraud, IRDAI is also regulating the insurance sector by digitalising it. An e-Insurance Account is a digital portfolio of all your non-general and general insurance plans, which helps keep track of policy tenures, switch, or buy policies at a single click without any hassle.

2. A guaranteed return providing investment sans market volatility –
The lack of financial literacy is mainly to blame for this misconception. As the uninformed public continues to hear of the short-term successes of a small section of well-informed investors who do due diligence before making their financial decisions, they crave similar results without putting in as much effort.
Taking advantage of the situation, insurance agents often pitch general insurance plans as alternatives to conservative investments like a fixed deposit and promise high returns. While the money put towards any insurance policy is a better investment than letting it sit idle, such claims are not backed by proof and must be avoided.

3. Getting pitched insurance policies as a tax-saving investment –
Tax planning is usually seen as a dreadful task that most individuals undertake only when essential. Therefore, some folks jump at it when the most effective sales pitch comes in, saying that an additional insurance policy would give you tax cuts (because of 80C) and would be a suitable investment. The tax-saving months before March are when these fraudulent pitches are made, and people need to determine whether the investment is necessary in the first place.

As the insurance sector evolves, insurers must make policyholders aware of the role of general insurance plans as a protective cover rather than a mode of investment to minimise your tax burden.

Your overall financial and tax planning for the following period should be done at the beginning of the current financial year. It is crucial to consider all factors, including your current investments, non-general and general insurance plans you might have taken, your kid’s school fees, and other expenses. Start early, and you won’t be in a hurry to reach the deadline, so you can read the fine print on all the documents and do apt research before signing on anything.

Click HERE to learn 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.

A car has the capacity for durable and comfortable rides, ensures safety, and is a significant investment. All this has given cars an upper hand over all the other vehicles.

Although buying a car can be easy if you have enough money, it is not always the only thing. With a car, there are a ton of other responsibilities. One is getting your vehicle covered and ensuring the car insurance renewal is done on time.

There are multiple options available for car insurance online and offline. This can leave you to require more clarifications. One such option lies in the comprehensive car insurance that covers almost every damage that might trouble your car. From man-made problems to natural disasters, you'll get compensation for all the damages. However, this insurance might cost you more money than usual. Is it worth to have comprehensive car insurance, or is it just exhaustive? Let's find out!

What is comprehensive car insurance?

Comprehensive car insurance is not mandatory insurance by law, but most people prefer to buy it. It is because it comes with many benefits that set it apart from the other options.

Comprehensive car insurance will cover own damage (OD) as well as third-party damages. It covers all damages due to natural calamities, accidents, theft, man-made issues, and even fire. Natural calamities like floods, cyclones, and earthquakes are covered. Acts like vandalism and riots are listed under man-made issues.

What are the benefits of comprehensive car insurance in India?

1. Complete coverage:
This insurance type is the only one that offers complete coverage to a car, including its total or partial loss due to own damage and third-party damages. It also compensates for the death or disability of the owner-driver, third party, or property damage.

2. Best returns on investment:
Comprehensive insurance eliminates the need to buy separate policies to cover own damage and third-party damages. All the benefits can be obtained from a single policy, including the personal accident cover. This helps in saving money and offers the best ROI.

3. Liberty to add optional covers:
You can purchase additional covers like zero-depreciation, no-claim bonus, tyre protection, engine protection, breakdown assistance cover, etc. This makes your base policy stronger.

4. Cashless benefits:
Yes! You may enjoy cashless benefits while claiming your comprehensive car insurance when you get your car repaired or serviced in a network garage. You don't have to pay even a single penny for the damages!

You may have understood what comprehensive car insurance is all about. But, did you imagine to whom this insurance type would benefit the most?

1. The city drivers:
Cities signify constant traffic jams, chaos on roads, and persistent risks of accidents due to overcrowded roads and indiscipline traffic situations. Metropolitan residents must buy this policy to provide all-round protection to their cars.

2. The adventurers:
If you love to plan road trips and explore places frequently, this insurance can do wonders for you during emergencies with its road assistance cover.

3. New owners:
If you have bought a new car, the first step should be buying comprehensive coverage to improve the longevity of your new asset.

4. Premium and luxury car owners:
If you own premium and expensive car, having this insurance in your investment portfolio can be fruitful.

5. Obsessed with your car:
Even a small dent or scratch on the car panics you. Then you must opt for comprehensive coverage to calm your nerves and stay stress-free regarding compensation for any damage to your car.

You should keep various pointers in mind while buying comprehensive car insurance in India. Owning an asset is a crucial responsibility and ensuring its safety is paramount. Comprehensive car insurance has seamless benefits that make it a reliable investment option and less exhaustive compared to its counterparts. Regardless of the policy you buy, get the car insurance renewal done on time to avoid your policy from lapsing.

Click HERE to get your car insurance renewal done on time.

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

We have all heard the famous proverb, "a sound mind lives in a sound body". Both are integral parts that should be taken care of to lead a healthy life. In this blog, we will discuss some methods to sharpen your brain and polish your cognitive skills.

You can call your brain the control centre of your system since it processes all you see, hear, touch and think. Your brain perceives different sensations, sounds, images, etc., and conveys the signal to your whole body, signalling it to respond accordingly. Incredibly, this process happens within a matter of seconds.

It is crucial to take extra care of your brain's health and mental wellbeing. Dietary and lifestyle changes help combat cognitive-related issues such as mental health problems, anxiety and depression and help in enhancing creativity.

Here's how you can sharpen your cognitive abilities.

1. Relieve stress:
Develop a habit of taking walks daily and breathing in the fresh air. Other relaxing activities can include getting a massage, reading, meditation, etc. These activities help release the tension and stress from your body and lower your cortisol levels which tend to affect the memory sections of your brain.

2. Sleep well:
Sleeping at least eight hours a day is crucial to maintaining a sound mind. Quality sleep helps your mind commit things to memory and improve your brain's retention capacity.

3. Play:
Include games like crossword, sudoku, and puzzles in your daily schedule. These games intensify the usage of brain functions, thus helping in improving your reasoning and retention abilities.

4. Doodling:
Recent research has proven that doodling and colouring activate your brain's reasoning and problem-solving region. These activities enhance the blood supply to the prefrontal cortex and strengthen your mind's analytical and attention capabilities.

5. Dark chocolate:
Dark chocolate has been proven good for your physical and mental health. Studies have found that it contains flavanol, a substance that boosts your brain's memory retention, functioning, and processing abilities.

6. Reduce sugar consumption:
Consumption of carbohydrates and a sugar-rich diet can slow down your brain as your body takes time and energy to break down these substances. Consuming too much sugar also leads to depression and heart diseases, thus risking your physical and mental health.

7. Exercise:
Research has shown that lifting weights help in improving cognitive abilities. People who lift weights tend to increase their spatial memory. It helps in memorising the environments one is in at any given moment. Spatial memory enables you to remember layouts of a room or how you arrange things in your space. People who achieve their physical goals by walking strengthen their verbal memory.

These are some techniques that can help improve your cognitive skills. Apart from the above tips, you may even practise mindfulness by indulging yourself in daily yoga and meditation sessions. Yoga and meditation These healthy practices can keep your brain active and impact your productivity.

A wise option would be to protect your and your loved ones' health against unprecedented circumstances. To stay monetarily stress-free in health emergencies, explore multiple options and purchase the best health insurance policy in India.

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

Helmets are protective headgear that can save your life in case you fall from a running two-wheeler or collide with another vehicle. Also, wearing a helmet while riding a two-wheeler is compulsory under Section 129 of the Motor Vehicles Act, 1988.

Imagine if a helmet can detect drunk driving, location tracking, navigation, a hands-free device, and several other functions other than just protecting your head during a ride. Yes, this is all possible with the advent of intelligent helmets.

This article tells how smart helmets are set to change your riding experience.

1. Detecting a helmet:
Many two-wheeler riders do not wear a helmet intentionally. Also, some may forget to wear it while leaving home or the office. This can be dangerous to their lives in case they meet with an accident on their way. Smart helmets are equipped with Force Sensing Sensor (FSR) that detects whether the rider is wearing a helmet. It senses actual human touch. If it does not detect it, you will not be able to turn on the ignition of your two-wheeler.

2. Alcohol sensor:
Smart helmets can also be fitted with a gas sensor that can identify the alcohol content from your breath. It can be placed right in front of your mouth, detect if you are drunk, and prevent your vehicle from starting. This can be very helpful in avoiding an accident due to drunken driving.

3. Accident detection:
Smart helmets can detect accidents and alert a phone number by sending a message. It makes use of accelerometers and vibration sensors for this purpose. A free-fall sensing unit can detect when the two-wheeler falls freely and is not in control. Similarly, a vibration sensor senses signals and pressure and sends a message to the registered mobile number. This can be life-saving in times of an accident as the receiver of the message can instantly rush to the accident spot or alert friends, police, and an ambulance to reach the spot.

4. Over-speeding and rash driving alert:
Smart helmets can also alert you if you are riding above the speed limit fed into it or are driving rashly. Such alerts warn you to reduce your speed and drive carefully.

5. Bluetooth connectivity:
Smart helmets can be connected to your bike and mobile phone via Bluetooth. This can allow you to make calls or answer them safely while riding your two-wheeler.

6. Navigation, location tracking, and recording:
Smart helmets come equipped with a GPS device that can accurately tell the rider’s location. This can be useful in times of emergency or theft of your two-wheeler. Also, they can help in navigation while you are riding your two-wheeler.

You can also install hi-tech cameras on your smart helmets. They can record and store all the details of your rides, such as speed, distance covered, time taken, etc. This can be very helpful for bikers and racers.

Smart helmets are a world in itself, with numerous options for adding or removing applications and additional devices per rider needs. They can completely change how you have been riding your two-wheelers. They help to make your rides much safer and technologically advanced than a regular conventional helmet.

Why just rely upon a smart helmet to alert and protect you in case of an accident? Choose from a wide variety of 2 wheeler insurance online after comparing them thoroughly. Protect yourself from any sort of financial losses that you may suffer due to an accident or theft of your two-wheeler.

Click HERE to buy 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.

Reverse driving and parallel parking are two things that most people are scared of. Parallel parking takes some practice and extreme caution. The same goes for driving in reverse. Expertise in these driving techniques helps in becoming a skilled driver.

If driving in reverse scares you, here's what you need to know. This blog answers all your questions and more information on driving in reverse gear to understand how you can gain confidence over your anxious mindset about these driving techniques. So, without any further delay, let's get started.

1. It is not a big deal:
Many expert drivers get confused and anxious while driving in reverse. Due to nervous feelings, they might even mess things up and land in collisions. Therefore, it is vital to make yourself comfortable and relaxed in your position to get an accurate view of the traffic and the path you need to reverse.
You can place your foot on the brake and for your confidence, turn around to ensure you get a clear view of the pathway. Ensure that you keep your seatbelt intact and ask the passengers to fasten their seatbelts properly.

2. It is time for the reverse gear:
After positioning your seat, fastening your seatbelt, and adjusting your mirrors to get a clear rear and front view, you need to shift your gear to the state in which it indicates R, i.e., reverse gear.
After performing this entire process, you can slowly put your foot on the accelerator pedal and put slight pressure, just enough for your car to move, avoiding the risk of any collisions. Slowly release the clutch after putting your foot on the pedal. Drive the vehicle in reverse at a carefully vigilant speed, and park your car right where you want it to be.

3. Mirrors at the right angle:
You must always ensure that you keep looking in the passenger side mirror to be aware of any other vehicles or objects in the surrounding area, especially when driving in reverse gear. This will avoid any risk of collisions or accidents with things that might come your way. Mirrors even help you get a better view and understanding of available space to park your car correctly.

Some other tips to take care of while you are driving in reverse include placing your right hand on the steering's upper portion to gain optimum grip, going reverse in a straight line, stopping the car at the desired position slowly to avoid any jerking, doing a complete 360-degree check before you begin to reverse in a particular location, etc. Make optimum use of a rear parking camera that will assist you in observing the obstacles and parking your car precisely.

We hope this blog will help you drive in reverse more comfortably than before and help you alleviate your stress. Always wear your seatbelt while driving to ensure safety. And while we are talking about safety, understand the importance of purchasing car insurance to safeguard your car from financial distress due to damages. Therefore, to stay on top of your insurance coverage and continue to enjoy the privileges, you need to make sure that you take care of your car insurance renewal.

Click HERE to learn more about car insurance renewal and the tips you need to know when you pay your premiums.

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 bike drive chain consists of interconnected oval loops made of metal, forming a roller chain. The teeth of a sprocket gear mesh with the holes in the links of the chain. The mechanical force from the engine puts the bike chain in motion, which causes the bike's wheels to rotate. Hence, a bike's drive chain is an important part and must be handled properly.

A drive chain is usually the dirtiest part of our bike. It is oiled and greased, catching loads of dust and mud from the roads. Here are some tips for maintaining your bike's drive chain to ensure longevity.

1. Periodic cleaning:
Regular cleaning keeps it free from dirt build-up, rust, and breakage. You should regularly check your drive chain by lifting the rear wheel of your bike off the ground and manually rotating the drive chain. You should check every chain link and use a firm brush to clean them.
If you hear squeaking sounds from the chain while riding your bike, it is time for relubrication. Also, you should check for tight links that are not bending easily. Clean them properly and lubricate them to ensure their free movement. It will also prevent rust build-up.

2. Lubricant quality:
Always use a good quality lubricant to ensure its longevity. It should be specifically made for a bike's drive chain and should not be just any lubricant.
Dirt and mud damage the drive chain. The lubricant should be such that it should minimise the accumulation of dust and grime on the drive chain. Also, it should be long-lasting as the drive chain will wear down and get damaged if the lubricant is less or missing.

3. Do not over-lubricate:
Over-lubrication is harmful to the drive chain. It will attract more dust, mud, and concrete from the roads and damage the drive chain. To ensure smooth operation, you should always wipe off excess lubricants with a rag.

4. Thorough cleaning of the drive chain:
In case you ride your bike through muddy roads frequently or use it on rough terrains such as a mountain, you should remove the chain completely when it becomes excessively dirty. You can remove it yourself or seek the help of a mechanic.
Use a good quality chain solvent available in the market and soak your chain in it for the prescribed time. Then scrub hard to remove the dirty grime from the chain links. The solvent will do its job, and your chain will become clean and grime-free. Relubricate your drive chain once completely dry, and put it back in the bike.

5. Stretched chains:
Sometimes your bike's drive chain seems to stretch and become loose. This is because of normal wear and tear of the chain with usage. A loose drive chain cannot provide a good grip for the movement of the wheels and may even slip from its cog.
Check for a loose drive chain regularly, and get it fixed as soon as you find one. Ignoring it may cause further damage to the drive chain, and you will have to replace it.

The drive chain of your bike is a very important part of its smooth running. You must take good care of the chain to keep it in its best shape. Clean it regularly and keep it sufficiently lubricated to ensure its longevity.

Buying a good bike insurance policy for your bike is another important thing that you need to do to ensure a glitch-free ride. Buy bike insurance online after comparing it with the policies of several companies. You can do this from the comfort of your home or office without physically visiting any insurance company. Go for the best bike insurance policy as per your specific needs and enjoy complete protection, security, and peace of mind.

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.

An automobile comprises interconnected mechanical elements and complicated electrical wiring technologies. While we may enjoy contemporary comforts such as stereos, interior lighting, and even hologram speedometer readings as long as the electrical systems function correctly, all systems and components come to a standstill on account of short circuits.

A short circuit is a wiring fault because of a loose or defective wire that shunts electricity between courses before it hits its target. Although the signs of a short circuit are similar to those of an open circuit, the diagnosis is somewhat different. A short circuit may happen in various ways, and it's not always straightforward to locate and fix.

However, to understand how to discover a short circuit, we must first grasp how a perfectly working circuit operates. So here are a few tips for locating a short circuit in your car.

1. Make a map of your vehicle's circuit:
Remove the wire harness from your vehicle and turn to your Early Warning Device (EWD) to start diagnosing the circuit. Identify the various cables and circuits you're inspecting so you know where to go next. Wire colours should match the colours specified in the EWD. However, this may differ based on where you obtained your EWD.

2. Examine any exposed wiring:
One may also save time and effort by inspecting any exposed wires first. You may find a damaged or chafed wire that you can immediately begin mending. However, since most automobiles' wiring is tightly wrapped, you'll almost certainly need to try a few boards to figure out where the issue is.

3. Inspect all wires for faults:
If you feel a specific wire causes the problem, you may detach its connection at either the sensing or loading ends. Check your test indicator to see if it fades out or your multimeter to check if it stops buzzing. Next, you may remove your car's panelling and inspect the wires to see if you can pinpoint the problem.

4. Testing the 5V circuit:
In case the short is a 5-volt circuit, the Engine Control Module utilises it to regulate the gearbox and engine. You may unplug the battery first, then the ECM. It'll also enable you to identify electrical oscillations and approximately pinpoint the location of the short circuit.

5. One-by-one assess all the fuses:
Check the fuses and look for any easy, quick short circuits. Take a fuse at random and attach your testing indicator to its socket terminals. If a current is detected, the test LED will light up. If the test light does not ignite, it may suggest that electricity is not flowing to that fuse. This indicates that the damaged wire is along that route.

Knowing how to detect a short circuit may save you a lot of time and money while ensuring that your car is safe and perfectly operational. While it might be time-consuming, utilising the approach mentioned above should provide you with the knowledge you need to detect and fix any short circuit in your vehicle.

However, if you still face difficulty identifying the origin of the short circuit, visit the nearest garage. It is ideal to have your vehicle backed by insurance for even minor expenses like these. Search for the best car insurance in India and get yours right away to cover your vehicle against damages caused due to unexpected short circuits.

Find the best car insurance India for your vehicle 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.

Be it the summer season, winters, or heavy monsoon, you need to take care of a few things to ensure your car's proper functioning and longevity. While external servicing and maintenance of your car are crucial, some particular factors ensure that your vehicle is up and running.

The summer season brings in good weather. But the drastic temperature rise can harm your car. In this space, we will discuss tips for caring for your vehicle during the summer season to keep it in good condition.

1. Cooling your engine:
Engines getting heated due to high temperatures are one of the significant causes of car breakdowns in summers. You can cool off the engine by using cooling systems in your car as recommended by the manufacturer.

2. Coolant refill:
To keep your cooling system in excellent working condition, make sure to refill the coolant according to the overflow status. According to most manufacturers, the cooling liquid mixture usually contains a fifty-fifty water to coolant ratio.

3. Inspect your car:
Some parts of your car are susceptible to heat damage and may deteriorate in high temperatures. Examine your vehicle, and replace any wear and tear or other damages as soon as possible. Also, keep an eye on the coolant leakages due to fuel expansion in summers.

4. Tyres:
Take a close look at your tyres. If they appear to be more inflated than required, get them checked. It's necessary to regularly monitor the air pressure levels in your tyres during the summers.
Failing to do so might risk a tyre blowout which can be a considerable safety risk, especially if you're on the road, examine your car tyres for signs of wear and tear and replace them if you find any damages.

5. Corrosion:
Once your vehicle reaches a specific limit, it is recommended to check your ignition system. The electrodes might corrode or wear out, so replacing the spark plugs is the solution to combat any ignition issues.

6. Air conditioning:
Examine the air conditioning of your car, especially in the summer season. Any defects leading to the disruption of the air conditioner can cause massive discomfort during your travels in such rising temperatures. Also, ensure that you inspect the compressor clutch while checking the air conditioning system.

7. Wipers:
The wipers of your car play an integral role while you're driving. They clear the windshield, making it easier to see while you drive. Replacing the wipers for the summer season with new ones would prepare you for the storms or rainy downpours midseason.

These were a few expert car care tips you will need to take care of your vehicle during the summer season. Apart from these tips, consider protecting your car against unprecedented circumstances. Emergencies like road accidents or damages to different parts of your vehicle can lead to heavy monetary expenses. To avoid paying a massive sum of money in such unforeseeable situations, you can explore various options and purchase car insurance online in India.

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

First-aid tips and techniques have been a part of our educational curriculum since junior school. We all have learned the first-hand treatments one must do when there is a manageable injury or burn on our or someone else’s body. However, with time and as the level of injuries and diseases evolved, our knowledge about first aid falls short in terms of adequacy in the healing process.

Moreover, burns can happen anytime, primarily if operating around heavy machinery, fire, or in the kitchen. And it requires a lot of time to heal with proper care, ointments and medications, and extra precautions.

But what are some of the best ways to take care of these burns? What items should you include in your first aid kit to help you or someone else? Are there different degrees of burns, and which type of burns can first aid easily?

In this space, we’ll clarify all your doubts regarding first aid for burns. Let’s get started.

1. Minor or major:
A burn usually indicates tissue damage when the skin comes in contact with high flames, boiling water, sunburn/radiation, chemicals with corrosive properties, etc. Before starting the burn treatment, it is advised that you determine the degree of the burn to alter your treatment accordingly and determine whether immediate medical attention is needed.
A major burn occurs when the diameter of the burnt area is more than three inches, resulting in brown, black, and white patches with a dry and leather-like texture of the skin. In case of a minor burn, blisters appear on the burnt area, usually less than three inches in diameter. You will experience pain and inflammation, which might cause redness and soreness on the burnt site.

2. What you should NOT do:
Before we tell you the first aid tips you should follow, you need to be aware of the contamination of the sensitive and burnt part of the skin. Avoid using home remedies like butter, ice, water, etc., and immediately do not take any medications or remedies without consultation.

3. Must know first aid tips:
Remove jewellery items like rings, bangles, etc., from the burnt area. Cooling off the burn is essential. You can gently use cold water on the burnt portion and wet compresses to help with the inflammation and lower the pain. If you see any blisters, do not remove or poke them, as they protect the area from infection. If you see a blister pop, gently clean it with a disinfectant solution and cover it with an antibiotic cream. To ensure that the affected area does not dry out, use skin-friendly and chemical-free moisturisers. Aloe vera is a good option in such cases. Use sterile gauze and tapes to bandage the burn, but ensure that you do not tighten the grip of the bandage. Keeping it loose will prevent excessive pressure and alleviate pain.
You can take any doctor-recommended painkillers if the pain gets unbearable and causes too much discomfort. Avoid heavy tasks involving the burnt area, and avoid using fluffy cotton as tiny threads of cotton might stick to the burn risking the chance of an infection.

We hope you found the blog helpful. You must take care of your body and be extra cautious about your health to lead an extraordinary life. But sometimes, your efforts might fall short in unfortunate circumstances. To alleviate the monetary stress of such times, you must purchase the best personal accident insurance India which will provide you and your family with a reliable layer of financial protection.

Click HERE to learn more about the benefits of buying 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.

Human resources are the greatest asset for any company. A good workforce can make or break a company. Companies often offer group personal accident insurance to protect their workforce from the loss of income from any kind of accident and related disability or death. The employees feel protected against financial uncertainties of work-related hazards with such insurance. It benefits employees working in heavy industries with dangerous machinery and surroundings.

Group personal accident insurance India is an effective way for employers to attract and retain talent. As an employee, it offers protection against the financial distress of disabilities and supplements your existing insurance covers. Let us know more about it.

1. Coverage:
Group personal accident insurance provides comprehensive coverage to an entire group against accidental disability and even death. Policies are customisable according to the number of people in the group and their specific needs. Hence, you can be reassured if your group is too large or small. Such policies provide discounts on a higher number of members in the group.
● Permanent total disability – Insurance companies will pay you the total sum insured in case of permanent total disability such as loss of leg, limb, eyesight, etc.
● Permanent partial disability –You are eligible to get up to 50% of the total sum insured in case of permanent partial disability, such as loss of one foot, loss of hearing, damage to eyesight, etc.
● Temporary total disability – You will get a certain percentage of the total sum insured in case of temporary total disability from an accident, depending upon your policy terms and conditions.
● Medical care – The policy will also cover your medical expenses, even if you are admitted for one day in a daycare treatment. Moreover, it will also cover your cost of OPD treatment, physiotherapy sessions, and ambulance transportation.
● Education – Some policies also come with an education add-on cover. The insurance company will take care of the education expenses of up to two dependent children in case of the insured person's death.

2. Need and importance:
Several industries require their employees to work on heavy machinery and risky surroundings, including the iron and steel industry, automobiles, pharmaceuticals, etc. A work-related accident can cause temporary or permanent disability, causing a financial crisis and a lot of trouble for the employees and their families.
So, if you are an industry employee, group personal accident insurance India covers you against such unfortunate accidents. It takes care of the hefty hospital bills for your treatment up to the limit of the policy amount. It also provides financial assistance to the nominee in case of the policy holder's demise.
Therefore, such a policy will give you peace of mind and protect you against the monetary distress of disability or death, allowing you to work stress-free with greater efficiency. It also helps build trust with your employer and strengthens professional ties for a long time.

3. Exclusions:
Group personal accident insurance India does not cover pre-existing diseases when purchasing the policy, self-inflicted injuries such as a suicide attempt, mental disorders, non-accidental medical treatments, hospitalisation due to substance abuse, criminal activities, or war. Ensure to read the terms and conditions of the policy to know more about the details. You may contact your employer or the insurance company if you've any queries regarding your coverage.

Group personal accident insurance India offers coverage that regular health insurance policy does not provide and also compensates the nominee with a lump sum payment in the unfortunate event of disability or death due to an accident. This can be a great financial support to your dependent family members.

Choose the best personal accident insurance India to provide complete coverage, support, and protection during the time of need.

Click HERE to buy personal accident 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.

Even if you've taken exceptional care of your skin throughout the years, it still ages. The youthful flush eventually disappears and the indications of ageing, such as brown spots, wrinkles, more frequent bruises, and dryness, start to be evident.

Your skin can convey your mood and show how healthy or unhealthy you are. As you age, taking care of your crucial outer self is important. For elders, here are some skincare suggestions.

Why does your skin alter as you age?
Skin changes brought on by ageing are typical and include a combination of the following:
● Allergies
● Weather
● Genetics
● Nutrition
● UV exposure
● Smoking is, among other things

The most harmful of these to the skin is continuous and direct exposure to the sun. According to research, among the people having skin illnesses, nearly 80% had one or more skin conditions requiring treatment or medical attention.

If you're an older adult, here are a few best skin care tips for you to enjoy a youthful and glowing skin.

1. Frequently moisturise your skin:
Emollients and fatty acids are combined in the best moisturisers to resemble the skin's natural lipids. Choosing an occlusive moisturiser can help you to build a barrier that will trap moisture in your skin and reduce water loss.
TIP: Always rub face moisturiser in upward strokes, never down. Apply a high-quality moisturiser to the skin after a bath to lock in moisture.

2. Wash gently:
With limited natural oil production, mature skin is extremely dry. Cleanse gently to prevent further drying out. It's okay to wash once per day. Use gentle cleaners as opposed to harsh soaps and alcohol-based products.
TIP: When washing, use warm water rather than hot and limit the number of baths or showers you take. If you enjoy unwinding in the tub, stay away from bath oils because they make the tub slippery and increase the chance of falling.

3. Eat right for gorgeous skin:
The saying "you are what you eat" has never been more accurate if you want skin that glows. Our skin's health is significantly influenced by our diet, which should be balanced and high in nutrients, vitamins, antioxidants, and necessary minerals. Include berries, melons, avocados, walnuts, oily seafood like salmon, and green vegetables. These items are a part of a healthy diet that can support maintaining healthy skin as you age.

4. Do maintain a simple, consistent routine:
Dermatologists advise simplifying skincare regimens. Irritation can result from excessive scrubbing, exfoliating, and product use.
TIP: As a general rule, use sunscreen, a cleanser, and a moisturiser, as these are the only three items that will make a consistent visible difference.

5. Avoid the sun:
This is the most crucial thing you can do for your skin! Dermatologists advise you to shield yourself from the sun's damaging rays.
● To protect your face and any other exposed skin, use a broad-spectrum, water-resistant sunscreen with an SPF of 30 or higher.
● When spending time outdoors, look for cover because the sun's rays are most intense between 10 a.m. and 3 p.m.

6. Drink water to rehydrate:
Never undervalue the importance of water or the benefits that staying hydrated may have on your skin and general well-being. Drinking water can give you radiant and clear skin.

Inner beauty begins with the skin. No matter how much money you spend on anti-aging therapies, poor health can manifest in your skin's appearance. Keep up a healthy lifestyle, and pursue your passions. After all, ageing is a natural process that includes wrinkles, fine lines, and age spots. Be proud to wear them!

Enjoy your retirement life with wholesome meals, daily and different exercise groups, and regular health and wellness events. Also, invest in the best health insurance in India for parents to secure your finances from uncapped medical expenses due to ageing.

Click HERE to buy the best health insurance in India for parents.

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 engine is often considered a two-wheeler's most crucial component. However, an experienced motorcyclist would tell you that well-maintained tyres are equally essential for a safe and enjoyable bike ride.

The various squeaks, screeches, and rumbles can tell you about a tyre's health. Since your contact with the road is made via tyres, they have a crucial role in defining your riding experience. Taking optimum care of your bike's tyres ensures longevity and a smooth ride. Buy 2 wheeler insurance online and get your bike serviced regularly to maintain your bike's safety.

Do tyres always make noise?

You cannot completely eliminate noise from your tyres. The rubber will make noise as it rolls against any surface. Natural rubber friction against the road will be the source of most of the noise your tyres make. Also, air flow through the moving tyre treads further increases the noise.

On the road, the sounds made by various tyre brands and products vary slightly. The sounds your tyres generate have a language, but translating them takes practice.

Let's now understand different screeches and how to care for them.

1. Squealing tyres:
The possibility of tyre squealing exists, especially while making sharp turns. You can hear this frequently in parking lots. Your front tyres may be underinflated if they appear to be making this squealing noise. You should check their pressure even if the tyres don't appear underinflated.

2. Squeaking tyres:
You need to pay immediate attention if your tyre makes a squeaking noise. Compared to a screech, it's riskier. The front tyres typically exhibit uneven tread wear, which a screech can indicate. You may feel some pulling to the left or right. Go to the tyre shop right away to have your wheels balanced, aligned, and tyres checked.

3. Grinding tyres:
The time to be afraid has come if you hear your wheels grinding. The most likely reason is your brakes' failure due to worn drums or pads. Get your two-wheeler inspected right away, wherever you are.

4. Rumbling and vibrating tyres:
Your tyres may rattle and tremble on some road surfaces, particularly ribbed ones. A worn wheel bearing may be indicated by rumbling and vibration from your tyres, especially if the noise gets louder as you go faster. It is a significant cause for worry since the wheel bearing holds the wheel in place.
Whether you are turning swiftly or braking hard to halt quickly, screeching tyres are to be expected. Low tread depth may be the issue, which you can resolve by taking your 2-wheeler to a tyre shop.

Dealing with unidentifiable sounds:
Sometimes you instinctively know something isn't right after riding on a pair of tyres for a while. When you hear a noise, you might not be able to place it in a certain category or even identify it, but you get the impression that it doesn't sound right. This might even happen if you stumble over a pothole. Other reasons might be the low tyre pressure, the tread may have worn down, or your bike's wheel may have fallen out of alignment.

Remember to pay attention to tyre sounds. Take a conservative approach if you are unsure of what it signifies. Check the two-wheeler and the tyres. Safety is the utmost priority for any rider on the road. The easiest way to prevent mishaps is to pay attention to your bike, regularly get it serviced, and purchase 2 wheeler insurance online as a prudent safety cover.

Click HERE to buy 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.

Your body is a temple, and you must take care of it to ensure your physical, mental, and emotional well-being. However, certain conditions can take longer to cure, and their development or progression varies from person to person. One such condition is psoriasis.

If you are new to this term, let us explain psoriasis. It is a disease of the skin, which manifests itself by creating a rash with itchy and scaly spots and patches, usually on the elbows, knees, scalp, and trunk of your body. This inflammation in the skin caused by psoriasis is an autoimmune condition, and there is no single method to treat it. As every instance of psoriasis differs from the next, the treatment prescribed by dermatologists also differs.

This blog will shed more light on these treatments and the few home remedies to treat psoriasis.

1. Aloe vera to the rescue:
Aloe vera is believed to be very beneficial for managing your psoriasis and calming the inflammation of your skin. And the best part? It is readily available and hassle-free if you want to grow aloe vera in your home premises organically. If you are using aloe-vera infused creams, it is medically recommended that you use the ones with 0.5% aloe vera and apply it three times a day to treat the discolouration, rash, itching, and scales on your skin.

2. Warm water to cleanse:
Who doesn't like warm water baths? The soothing water at the right temperature falls on your skin, relaxing your body. But there is a disclaimer! You must strictly avoid "hot" water. It might not be helpful with the inflammation of the skin due to your psoriasis condition. Warm water is advised. You can add mineral oil, Epsom salt, or olive oil to help with the rashes and itchiness.
But you must be careful about specific things to avoid triggering or worsening your symptoms. Some instructions include: showering once a day, a maximum of fifteen-minute bath, using a soft, moisturising soap bar, patting dry, and applying a skin-friendly moisturiser post-shower.

3. The household's favourite – turmeric:
Every Indian household's favourite ingredient for cooking or home remedies is turmeric. There have been many studies on the usage of turmeric and its benefits which have suggested fruitful results in using this age-old home remedy in Indian culture. Turmeric has anti-inflammatory abilities, which help rid psoriasis.

4. Omega-3 is essential:
Omega-3 is an essential component that helps to strengthen your body's immunity, prevents heart diseases, reduces the chances of stroke, acts as protection against cancer, and much more. The omega-3 fatty acids are believed to lower the inflammation levels of the skin in your body.

Other ways to help you manage your psoriasis include keeping your stress levels in check by meditating, journaling, aromatherapy, anxiety management (therapy), etc. It is also advised to monitor your body weight and control it if necessary. Living with psoriasis compromises your immune system, which makes you prone to other health issues. Therefore, maintaining a moderate body weight is essential.

It's high time that we all understand the significance of our health, especially after the pandemic. While you try your best to stay in optimal health, you must be ready for any health crisis that might come without warning. Therefore, you must get online health insurance to avoid such unforeseeable situations. Explore your options and purchase the best online health insurance that caters to your needs.

Click HERE to learn 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.

Driving a car can be one of the most joyous and liberating feelings in the world. Cruising through the roads, being in control and manoeuvring your vehicle is sure to give you a sense of euphoria. While many of us master the art of driving effortlessly within a short period, others might take a considerable amount. The important thing to remember is that developing driving skills is a matter of experience.

In this article, we will discuss a few ways to develop your driving abilities and become a skilled driver.

1. Understanding how your car works:
An expert driver should be able to manoeuvre every car. But as a start, before you can take your vehicle out, understand its mechanisms and how it responds to adverse weather conditions. This will help you manage your car better if presented with any circumstance that you have had no prior experience with.

2. Configure the mirrors:
Mirrors should perform their intended functions. Knowing what mirror angle works best for you is crucial. Set your mirrors so that the sides of the chassis are not visible anymore. Upon setting up the mirrors the right way, you can reduce the blind spots significantly.

3. Turn signals:
Many people often neglect to use the indicators. However, it is vital to understand that the turn signals are not for you. They alert other people behind or around you about your next move. Warning others will help reduce accidents or crashes on the road.

4. Keep a margin:
This might seem futile when you are traversing through slow-moving and congested traffic. However, leaving a margin between your vehicle and the vehicle ahead is necessary when you are driving fast on an empty road. This helps avoid potential crashes in case of a sudden brake by the person ahead of you. A thumb rule to follow is the 10-second rule. Keep a checkpoint for reference and note the time the vehicle ahead of you passes this point. Ensure that your vehicle follows with a gap of 10 seconds.

5. Be responsible towards others:
When talking about good driving skills, one of the most neglected factors is the responsibility towards others. Being empathetic towards others on the road is the trademark of a good driver. Unnecessary honking, not adhering to speed limits, not warning the other drivers, etc., can lead to agitation and even accidents. Being calm during such situations can go a long way.

6. Practice night driving:
Traversing through night traffic can be challenging the first few times. Instead of taking your car at night during heavy traffic hours, start practising on relatively empty roads to get comfortable with the headlights from the opposite vehicles. Understand the rules of alerting fellow drivers during the night and stick to them.

These are a few ways in which you can improve your driving skills. Being confident and practising adds to your experience and makes you a better driver. As a beginner, handling a 3000-pound motor can seem daunting. Keep in mind that being intimidated is entirely normal. Start with open grounds and slowly make your way into heavy traffic roads.

Another thing to consider is that sometimes, accidents might happen due to the negligence of fellow drivers or some unexpected situations. To help you rest easy, consider buying motor and personal accident insurance. Personal accident insurance covers all the expenses you will face in case of an accident and compensates for your losses.

Click HERE to know more about 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.

While buying a car is hectic and time-consuming, learning how to drive a vehicle is a different ball game. We all know that Indian roads are chaotic, and sadly, the strict implementation of traffic rules is lacking. People are ignorant of the traffic rules. The high number of vehicles on the road makes it difficult for the traffic police to control the cars and catch the ones breaking the regulations, thus encouraging the environment of neglect. New learners find it challenging to navigate the roads under such conditions and risk a massive chance of landing in or creating an accident or collision with other vehicles, poles, and bumpers if they are not extremely vigilant.

Considering the above reasons, it is imperative for any potential learner or driver must pass a driving test with good scores or grades to show their understanding and make them eligible for driving on the road.

This driving test examines a candidate based on a written and practical test. Both these tests are focused on your knowledge of the traffic rules and road conditions, situational risks and solutions to avoid any accidents, and a practical display of your driving skills catering to the tasks given by your examiner. This driving test is extensive and essential, which is why many test takers get nervous before the test.

Are you someone who gets the pre-exam jitters that makes you anxious about the upcoming test and interview? Well, do not worry. This blog has the best tips to overcome your driving test nerves. Here are a few tips to get you started.

1. Confidence is key:
It would be best if you assured yourself that you are ready. You have studied well for the test and practised your driving skills enough times to be confident that you will pass your test with flying colours. You need to be satisfied that you will not be able to take this test until and unless your driving instructor thinks you are ready. So, if you are applying for this examination, you must avoid hyping up the test and magnifying its importance to make yourself anxious. This test will examine your skills in something you have done many times already.

2. Do not tell everyone:
Avoid telling everyone that you are about to take your driving test. Keeping it a secret will help you avoid the millions of tips and techniques people will say to you, and various negative reviews you might come across will make you more nervous and break your confidence. Losing confidence is not something you can risk. So, avoid revealing your test dates and take the pressure off.

3. Never skip your meals:
Skipping your food and having anxiety about your performance on the test is not a favourable combination. It might make you weak or cause a panic attack, which will eventually force your examiner to declare you unfit for the test, and you might have to reapply and go through the hassle again. Therefore, have a light meal, like some fruits, salad, or something which is fulfilling and energetic and does not make you drowsy.

Some other tips to overcome your driving test nerves include:

● Using the washroom before you go in for the test

● Washing your face lightly to wean off the pressure

● Chatting with your driving instructor to create a normal atmosphere

● Not consuming caffeine for a couple of days before the test

● Consider the actual test to be a mock examination

● Carry a jacket in case the exam hall gets cold

● Avoid too much revising on the day of the test

● Arrive at the test centre well in advance to give yourself some time to calm down and understand the procedure of the test

These are some of the best tips to overcome your driving test nerves. Follow them righteously, and you will pass the test with ease. And while we talk about driving tests, we should discuss the necessity of purchasing car insurance too. After getting your driving licence, car insurance is the next essential document you need to drive a car legally. Compare new car insurance rates and consider other factors before buying a policy.

Click HERE to learn more about comparing 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.

Hundreds of options are available for your bike insurance, both online and offline. You must have encountered tempting advertisements promising you the lowest premium with complete coverage for your bike. Also, we frequently receive calls from insurance companies or their agents with lucrative offers for buying our bike insurance from them.

But wait a moment. Are all these offers authentic? Will they provide you with complete protection, safety, and quick claim disbursal in the unfortunate event of your bike accident? You need to follow these steps if you have the slightest doubts and are concerned about the authenticity of your bike insurance.

1. Check with IRDAI:
The first step for checking the authenticity of your bike insurance is to check the website of IRDAI (Insurance Regulatory and Development Authority of India) and search for your insurance company. The insurance company will probably be a fraud if its name is not on the IRDAI website.

2. Go for a brand:
Always choose a bike insurance policy of a reputed company or brand. An insurance company that is well-known and reputed in the market is less likely to cheat and issue a policy with false claims and promises. Also, the chances of a fake policy from such companies are almost zero.
We often buy a bike insurance policy on the advice of an insurance agent or by getting influenced by some advertisement. You should first call the customer care of such companies and verify the policy details being sold to you. Also, you may visit the nearest branch of the company and verify the details there. Check whether the policy contains the same IDV (Insured Declared Value) and all the add-ons promised earlier to you. Buy the bike insurance policy only after you are certain about its genuineness.

3. Premium receipt and other details:
A genuine bike insurance policy will always issue a receipt for the premium paid by you. Also, the policy document will contain all the details, such as your name, policy tenure, terms and conditions of insurance coverage, etc.
To ensure the authenticity of your bike insurance, always insist on a hard copy of your premium receipt. Review your policy document thoroughly and ensure it contains all the required details.

4. Mode of premium payment:
A bike insurance company will give you several options to pay your bike insurance premium. You can pay it online through its website or issue a cheque in the insurance company's name and hand it over to the insurance company’s office or your insurance agent.
If your insurance company or agent is insisting only on cash payment or payment by cheque/bank transfer in the name of a person, it should be a red flag for you. The insurance company or the agent in between might not be genuine and authentic.

5. Verification link:
Insurance companies nowadays validate a bike insurance policy on their official portal at the time of issue. You can check the authenticity of your bike insurance policy by checking whether this link redirects you to the official website of the insurance company or not. This is especially important if you buy your policy from a 3rd party vendor.

The digitalisation of insurance services has contributed greatly to the progress and development of the insurance industry. However, fraudsters find new ways to dupe you while selling you a bike insurance policy. You need to be vigilant to protect your hard-earned money. Always verify the authenticity of your new bike insurance policy and its details before paying for it.

Bike insurance is compulsory under the law, and you must buy it from one source or another. Visit the nearest branch office of bike insurance companies, or go through their offerings in detail on their website. Call their customer care and confirm the details. Buy a good bike insurance policy that is genuine and does what it promises to do.

Click HERE to buy reliable bike insurance for your valuable two-wheeled 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.