GENERAL INSURANCE BLOG

Two-wheelers are the most convenient mode of transport in India. They are budget-friendly, easy to handle, and come with multiple features and various designs. This makes them a popular choice amongst Indians to travel on narrow, inadequately maintained roads with constant traffic due to poor driving etiquette.

While vehicles are no longer designed to fit the fancy of a specific gender, it is easier for women to choose the suitable model, manoeuvre it and ride on the road.

If you are a woman or even a beginner looking to buy a new two-wheeler, here are some features you should look for to find your perfect ride.

1. Budget:
It is only possible to purchase after deciding the budgeted expenditure. Keep in mind the expected utility, life of the vehicle, and additional expenses of fuel, maintenance, and insurance while fixing a budget. With the plethora of options available, it should not be difficult to find a 2-wheeler within your budget, which can range upwards from ₹50,000. However, fixed expenses like 2 wheeler insurance online and servicing are additional costs that are often overlooked.

2. Build and size:
Of the multiple brands in the market, it is challenging to differentiate between models since they are built similarly. Riding comfort is highly dependent on the size of the two-wheeler. Make sure to sit on a stationary model and check if your feet touch the ground, which is a must in situations where sudden brakes are to be applied.

3. Vehicle weight:
Choosing a two-wheeler heavier than you can handle is the worst mistake a rider can make. A test ride and a general inspection will make you aware of its weight and your capability to handle it. By ensuring you can control its weight, you can prevent accidents, put the vehicle on and take it off the centre kickstand easily.

4. Mileage:
Two-wheelers usually provide a mileage of upwards of 35 kmpl. The higher the mileage, the greater the value derived. The advertised mileage is to be considered only when driving on highways. For congested cities, most two-wheelers provide a 35-50 kmpl mileage.

5. Engine capacity:
The power of the engine or engine capacity determines the fuel efficiency and smooth running of the vehicle. Scooters with an engine capacity of 110cc to 150cc are popular for city rides or short-distance travel for women to work and visit the supermarket.

6. Storage capacity:
Unlike a car, a two-wheeler is relatively compact, providing less storage space underneath the seat. Usually, the under-seat storage accommodates a helmet and a few other things. Presently, the largest under-seat storage available is 32 litres. While no additional designated storage space exists, you may have a top storage box fitted at your back seat.

7. Auto start:
Just like automatic transmissions are preferred over manual transmissions in cars, a two-wheeler can have a kick-start or an auto-start. Auto-start is a convenient way to start the two-wheeler by engaging the brakes, accelerating, and using the auto-start button. Kick-start requires physical effort to run the vehicle and is generally not preferred. However, purchasing a two-wheeler that provides both options is best in case one of the mechanisms fails.

Considering the ease of riding a two-wheeler, it is accessible to women of all ages in different economic strata. By following traffic rules diligently and purchasing the best-suited two-wheeler along with 2 wheeler insurance online, you can ensure safe driving and fewer accidents and allied financial burdens.

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.

Car insurance is mandatory by law for every car owner in India. Also, it provides us adequate protection against accidents and third-party cover. However, some exclusions or incidents are not covered under a standard car insurance policy. Some insurance agents might not tell you about them explicitly to sell more policies, but you need to be aware of all the essential terms and information at the time of purchase of the policy.

Let us go through some of the key exclusions.

1. Damages to tyres and electrical components:
A car insurance policy does not cover the tyres of your car. They are bound to wear and tear with regular usage and time. Also, your insurance policy will not cover any damage to your car's electrical components and wiring. These include lights, music system, central locking system, etc. Damages can occur because of mishandling, rough weather, short-circuiting, pests, rodents, etc., but you have to vent your pockets to cover these damages on your own.

2. General wear and tear:
Your car insurance policy will not cover your car's general wear and tear that happens with time, usage, and weather conditions. Hence, the policy will exclude damages such as scratches and dents, rusting of the body, etc.

3. Damages caused by man-made events such as war:
Your car insurance policy will not cover damage to your car because of man-made events such as a war. It will also exclude damages from a nuclear explosion, chemical attack, terror attack, etc.

4. Driving under the influence of alcohol:
Your insurance company would not be liable to accept your claim if you or your driver were driving under the influence of alcohol or any other toxic substance such as drugs at the time of the accident. We advise you not to drive after drinking. Instead, take a cab to your destination and stay safe.

5. Ape hangers:
Half of the bike enthusiasts consider these the most comfortable set of handlebars available in the market. For tall riders, these can be the most comfortable, while for others, if it is not set according to their height, the hands and back would go numb. These give a more upright position and eliminate the need to hunch over. These are supposedly the best handlebars in the market for long road trips.

6. Intentional damage:
Your car insurance policy will exclude any claims against damages to the car or any property caused intentionally by you.

7. Expired policy:
Always renew your car insurance policy well in time because your claim will not be passed if the accident occurs after the expiry of your policy. The insurance company will reject your claim even if you have applied for renewal, but your policy was not active at the time of the accident.

8. Oil leakage:
Your car insurance excludes damage to your engine due to leakage of oil.

9. Pledging of car:
If you have pledged your car to someone else, and the person meets with an accident, the insurance company will not pass your claim.

10. Invalid driving licence:
An insurance company does not cover you if you were driving without a valid driving license at the time of the mishap. It is recommended to have valid documents handy while driving a car.

11. National territory:
An insurance company is liable to pay for your damages only if you sustain them while driving in the national territory of India. Any damage outside India, say Nepal, will not be covered under the policy.

12. Re-appeal clause:
You have 12 months to appeal to the court if you feel that the insurance company has wrongly rejected your insurance claim. After this time period, you cannot appeal against the insurance company's rejection.

One must always be aware of the above situations under which your car insurance policy will not protect you. However, protection against some of the above incidents can be bought by buying a zero-depreciation policy instead of a regular car insurance policy.

You can also buy separate covers and add-ons such as an invoice cover, engine protector cover, etc., which will give you added protection. Always ensure that you go for the best car insurance company in India that gives you a clear picture of all the inclusions and exclusions right at the time of purchase of the policy.

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

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

India has a massive population of automobile owners plying their vehicles on the roads daily. Spotting people with varying personalities and driving habits is common. They exhibit different skills and traits, which can broadly divide drivers into the following six categories.

1. The learner:
Learners are drivers who are new to this experience. They have recently started to drive vehicles and are trying to be perfect at it by practicing and driving regularly. Since they are not pros at driving, they are usually submissive and try to be helpful and cooperative with other drivers on the road.
They drive slowly and carefully and may sometimes show nervousness while driving. Sometimes it can be annoying to drive behind a learner because they can brake suddenly and stop abruptly on the road. Also, they swerve their cars when changing lanes while trying to be in the right lane.

2. The distracted driver:
This is the most common type of driver in the recent era of social media and telecommunication. They try to answer every call and reply to messages they receive while driving. They tend to behave as if the world will stop if they do not answer their phones or make that call.
They display signs of anxiety and tend to check their social media feed. Many even try to record videos and click pictures while driving, putting everyone around them in danger of an accident.

3. The speeding driver:
Such drivers tend to drive their vehicles at high speeds, often above the recommended speed limit, inviting risk and increasing the possibility of accidents. They behave as if the world's end is near and they must reach their destination before it finishes.
Such drivers usually drive rashly and pose a risk to other vehicles around them. High speed means lesser control of their vehicles. Hence, one should avoid getting into a street race and let them pass quietly. Otherwise, you may risk your and your co-passengers' lives unnecessarily.

4. The violent driver:
Road rage cases have been on a high in India in recent years. They are due to drivers belonging to this category. Such drivers lose their cool on the roads due to heavy traffic and start fighting with other drivers around them.
They start driving rashly, dangerously overtaking other vehicles, and swerving their cars wildly. They can even stop abruptly, enter into brawls, and attack another driver if the situation worsens. People tend to vent their frustration on the roads, creating unnecessary chaos.

5. The honkers:
This category of drivers believes they can remove the traffic in front of their vehicle by constantly honking. Doing so adds immensely to the already high noise pollution around us.
As the traffic signal turns green, they will start honking as if the vehicle in front of them is driving slowly or stopping the traffic. Such drivers cause unnecessary nuisance and may display signs of a violent driver if you do not let them pass.

6. The Pros:
This is the best category of drivers, and you would want them to be around you while travelling. They show how good they are at driving and controlling the vehicle. They pay attention to the safety and comfort of the passengers in the car.
They are cautious and vigilant and avoid rash driving by following all traffic rules. Instead, they effectively find their way out of traffic without using useless honking or rash driving. Also, they avoid entering into altercations with other drivers and have good control over their emotions.

Like humans, car insurance also has several features and qualities and varies from company to company. They may differ in premium, coverage terms and conditions, inclusions, exclusions, etc. Hence, you should research thoroughly and buy the best car insurance policy as per your specific needs and a better return on investment.

Click HERE to buy the best car insurance for your car.

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

Road accidents continue to be the leading cause of death in India. In the metro cities, the need to ride at a blistering speed is overwhelming. In this process, you tend to slip the clutch while struggling to switch off the motorcycle. As the phrase goes, "Haste makes waste", it can't be more accurate. You not only risk jolting forward but also the likelihood of accidents is concerning.

As per the World Bank report, "India tops the world in road crash deaths and injuries. Around 11 per cent of all road crash deaths are witnessed in India, which corresponds to 53 accidents every hour; taking one life every 4 minutes".

By this point, you all must be wondering what can be an efficient way to eliminate this problem. The ideal solution is a kill switch to wind down a motorcycle.

This blog is a comprehensive guide to understanding the purpose of a kill switch.

With this emergency stop, you can rapidly turn off the bike without withdrawing your hand from the handle to reach for the key. To turn off the power, you just have to use your thumb. In short, this safety mechanism can save your life in an accident.

Turning off the motorcycle instantly seems like an unusual idea. But in general, while doing so, we put the bike’s mechanism at risk. The kill switch is designed in a way to mitigate this problem. It swiftly breaks the contact with the ignition coil. This is a very straightforward mechanism to shut the engine off. It is also convenient, considering how by keeping your hands on the handlebars, you can engage the kill switch more immediately during an emergency.

All in all, this is a simple, direct emergency shut-off switch that clicks the device off. It is an essential safety feature that enables the rider to turn off the motorcycle when it is impossible to do so manually.

All you have to do is press the red button. If you're a new rider, you probably spotted a scarylooking red switch on your bike's right-side handlebar. So, you now know how a kill switch looks.

In a heavier bike, the rumbling engine is silenced with this mechanism's help. It also aids in handling emergency situations without disturbing the bike's stability. You won't need to glance down to find it because it will be easy to operate after some experience. It is also a quick method to halt your bike for a brief period, to give directions, or in traffic.

Numerous motorcycles are designing advanced technologies to eliminate road accidents. While this is one way to make you feel secure, you should consider other options. In India, it is almost necessary to take insurance for your motorcycle. If it expires, you can apply for an online motor insurance renewal. It is another way to drive safely without worrying about financial losses against insured vehicles, including extensive damages and liabilities. Always keep your insurance policy up-to-date to avoid it from lapsing.

We hope the above information explains the importance of kill switch and online motor insurance renewal. It is always best to have complete knowledge about your vehicle, its parts and their use. This information can help you better understand your bike and stay protected during unfortunate events.

Click HERE to get online motor insurance renewal.

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

We can all agree that having difficulties starting a motorcycle is an unpleasant experience. Even though motorcycles are relatively basic machines, it can be challenging to identify the problem preventing them from starting.

Before starting up, the first task, which is sometimes overlooked, is to bring your bike to an open place. Your bike's startup process will depend on how long it has been standing, which may result in smoke. It is advisable to wait till the thermostat turns on the radiator fan before starting the engine. Let your air-cooled motorcycle run until you can feel the warmth emanating from the engine.

Let's examine any issues you might have with your two-wheeler failing to start.

1. Defective or dead battery:
The bike's electrical system depends on the securely mounted battery. When a twowheeler has just an electric start, the battery is the only power source for the starter motor. The motor, which requires a high voltage from the battery, can only be started if the battery has enough charge.

2. Blown-out fuses:
Blown fuses will make the motorcycle sound normal when you try to start it, but it will spin endlessly without producing any power. Even if you try to spray starter fluid into the carburetor, nothing will change since the fuse cannot send a spark to the spark plug, causing it to ignite. A blown-out fuse typically indicates a defective grounding wire somewhere.

3. Preventing the intake or exhaust:
A situation that causes starting problems is a blocked airbox or muffler exit, which can happen for any reason. Therefore, you should also check your bike's intake and exhaust systems to see whether they contain anything unwanted blocking their way.

4. Put the side stand up:
A few newer bikes may not start when the side stand is down. Your motorcycle may contain an internal code and other sophisticated sensors that prevent the ignition from turning on if the kickstand is in place.
Check to see if your bike has a side stand sensor and if it does, and the bike still won't start, examine if the switch down there is in good working order. If it's not, the bike side stand sensor might have a fault. Get this problem checked at an authorised service centre.

5. Injector clogged:
A clogged injector will attempt to turn over normally when you try to start your motorcycle, but there won't be any combustion. A clogged fuel injector is likely to blame if you are certain that the spark is occurring properly, there is gas in the tank, but still, your bike isn't starting. Fuel injectors should be checked regularly. They should be cleaned or replaced if they appear soiled and clogged.

6. Defective spark plug wire:
Motorcycle riders are accustomed to loose spark plug wires, which might happen due to jerks. To solve this issue, you don't need to visit a mechanic. Unplug and replug the connectors before starting the motorcycle again.

7. Not properly engaging the clutch:
When starting your motorcycle and the transmission is in gear, you must pull the clutch lever correctly. The clutch occasionally fails to engage properly and causes a starting issue. Put your transmission in neutral and try again in this situation.

Checking a few things off your pre-trip list helps you overcome the ignition issue of your motorcycle. Other times, a thorough overhauling is required before you get stuck on the road, in which case you must seek professional assistance. Following these procedures will help you identify the issue and arrange for the necessary repairs. Additionally, it is prudent to have 2 wheeler insurance online to acquire comprehensive coverage for damages to your bike and be stress-free regarding its repair and maintenance expenses

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.

Electric vehicles are all the rage right now. India will significantly switch from fuel-based to electric-based vehicles in the upcoming years. Countries like the USA have seen a significant chunk of their population switch to electric cars. Even in India, people drive electric scooters in metropolitan cities. Like every other vehicle, electric vehicles also require maintenance. Plus, you would need to ensure that you make the energy of your electric vehicle efficient and increase the capacity of the engines to give your vehicle a prolonged life.

Now, let's discuss the techniques and tips that can increase the range of your electric vehicle. Doing this will help you improve your car's battery life in the long run. So, let's get started.

1. Drive properly:
Sudden jerks and an increase in acceleration can adversely affect your battery as the increment would put pressure and end up draining the battery. Experimenting with your vehicle's torques and testing the high speeds sure seem very lucrative, but it will impact your battery negatively over time. You also need to ensure that you drive smoothly and operate your vehicle carefully to increase the battery's longevity and the overall functioning of your two-wheeler or fourwheeler.

2. Go easy on the air conditioners:
The usage of air-conditioners does impact the battery. Prolonged use of air conditioning depletes the battery power at a fast rate. But there are places and times when you cannot live without the air conditioner. How do you go about this issue? You can switch on the fan instead of amping up the compressor. This will help you conserve power and regulate the cool air inside the car. You can open the windows, but this slightly affects the car's aerodynamics, functioning, and operations.

3. Be careful on those brakes:
Your electric vehicle's regenerative braking helps you recover the energy lost during the sudden braking process. So, use that whenever there is a necessity for brakes. And make sure to avoid unnecessary braking as it stresses the battery into bringing the vehicle to a halt or lowering the speed out of the blue. So, take it a little easy on the brakes whenever you are driving. Also, ensure that you use the maximum regenerative setting of your car during the deceleration process. This option will help conserve all the extra power by directing it back to the battery and increasing its life.

4. Be mindful about charging your vehicle:
It would be best if you carefully charge your electric vehicle. Keeping it plugged in all the time while your car is idle in the garage is of no use. Instead, it will negatively affect the battery as it starts to self-discharge once it gets fully charged. Timing the charging of your electric vehicle's battery helps you to attain those few miles once your vehicle is fully charged and plugged out at the right time. Timing the battery charge also helps conserve electricity and increases your battery's longevity. So, it's easier on the pocket and the environment.

Some other ways to increase the range of your electric vehicle include figuring out an efficient route to your destination, packing and travelling light, keeping your tyres in check, etc.

Unprecedented circumstances indicate the level of uncertainties around our lives and possessions and how we must be careful and take mandatory steps to prepare for these situations in advance.

This is why you need to purchase motor insurance from the best motor insurance company to safeguard your vehicle in times of distress. Explore your options carefully and buy insurance from the motor insurance company, which promises to cater to your needs in the best ways possible.

Click HERE to know more about the insurance benefits provided by 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.

As per the Motor Vehicles Act, every vehicle owner in India is legally required to purchase insurance. It is a compulsory prerequisite that serves as a preventive mechanism to protect the owner from losses from accidents and damage to the bike. Despite the mandate, many two-wheeler owners shy away from purchasing a policy due to the lengthy process and inspection.

While it may seem like an additional step in the process, inspection is an essential part of the conventional insurance procedure that makes the insurer fully aware of the bike’s condition before accepting to insure it. However, two wheeler insurance online India has become a popular and convenient alternative that facilitates comparison between different policies and allows one to skip the inspection altogether.

Why is an inspection necessary?

Buying an insurance policy is a prudent move on the owner’s behalf. It protects them from any financial losses due to accidents or damages. However, insurance companies also require comprehensive information about the insured vehicle. A physical inspection helps identify the present state of the two-wheeler and whether it complies with Government issued legal guidelines.

The process scrutinises the physical condition of your bike and its documents like PUC certificate, service records, etc., to prevent insurance fraud. This helps the insurer gauge its value and expected life, which helps determine whether they should insure your vehicle and the premium amount.

The inspection may also discover unnoticed issues with your vehicle that you can resolve before it leads to an accident.

Is inspection before insurance mandatory?

Although important, inspection is not a mandatory process. If you buy two wheeler insurance online India, you can skip the inspection by providing basic details of your twowheeler on your preferred insurance company’s website. Usually, it takes a little while postapplication for them to send your bike insurance policy.

Requisites for an inspection-less insurance.

When applying for two wheeler insurance online India, you may notice that different insurance providers have different procedures. While some may use factors like brand, period of use, model, etc., others may only ask for registration details. Typically, the process involves declaring details such as:

● Period of use

● Place of registration

● Record of previous claims

● PUC certificate

● Vehicle registration number

● Maintenance records

● Previous policy details

Circumstances when an inspection is unavoidable.

While two wheeler insurance online India is convenient, requires minimal effort, and eliminates the need for inspection, in some situations, it is inevitable to go through a check, such as

● When your previous policy lapses:
2-wheeler owners need to renew their insurance before the policy lapses or the 30- day grace period expires. During this time, when the vehicle is not insured, accidents or damages may have gone unrecognised, due to which insurers compulsorily inspect the vehicle before approving its insurance.

● When modifications are made:
Ideally, the vehicle should be left untouched without any aftermarket modification to its factory-fitted components. When modified, it becomes necessary to inspect the 2-wheeler to ensure that the additions do not adversely affect the basic functionality of the bike, which can lead to mishaps in the long run.

● When the 2-wheeler is second-hand:
Second-hand vehicles, while being cheap, are essentially weathered vehicles. They possess greater risk than new bikes and therefore need to be inspected after the ownership is transferred before altering the existing policy or purchasing new insurance.

● When the 2-wheeler has been in a recent accident:
For vehicles that have recently been in an accident, it becomes necessary to survey the extent of damage to determine its cost of repairs, current value, and insurable value.

Two wheeler insurance online India is a hassle-free way of protecting your 2-wheeler without having to go through an inspection. By following the general guidelines for safe driving and renewing your policy in time, you can easily avoid the inspection procedure

Click HERE to purchase two wheeler insurance online India.

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

There are many instances when people overload their cars. It might be a fun road trip, a once-in-a-lifetime hike, or helping a relative or friend move. From clothes, shoes, and other accessories to the amenities like bicycles, coolers, mattresses, and more, it seems necessary to pack our whole house up before leaving for a road trip.

Similarly, when moving or helping a friend move, you try to take more and more stuff on one trip to reduce the number of rounds taken, often leading to overloading your car unnecessarily. This may result in car accidents and injuries, sometimes fatal for the passengers.

This blog tries to give you an argument against overloading your vehicle in the future.

1. Stress on the suspension:
When steering an overloaded vehicle, there's a high possibility of the weakest point giving out, thus resulting in a crash that endangers the passenger's lives and those with them on the road. It becomes increasingly difficult to steer the car in the right direction and turn safely on bends due to overloading. Your vehicle might face serious suspension issues, resulting in an unpleasant driving experience, especially on bad roads.

2. Instability:
Every vehicle is unique in how it reacts to excess weight. However, most vehicles become highly unstable as a result of excess weight. It becomes difficult to steer, and the stopping distance increases drastically, which can hamper the smooth running of your car. Sudden steering or manoeuvring is highly discouraged when a car is overloaded because it can result in a spinout.

3. Chance of blowing a tyre:
One of the biggest concerns while driving an overloaded car is that the tyres heat and blow up when they come across high degrees of pressure. There are increased chances of bursting, and at the very least, there will be increased wear and tear on the tyres, bringing maintenance issues.

4. Penalties:
You might be fined solely for the safety and well-being of fellow drivers and vehicles. After increased accidents in India due to overloading, stringent laws are being applied all across the country, and hefty fines are being imposed.

5. Compromised safety:
With an increased number of people and items in the car, it is improbable that any of the passengers will be able to put their seatbelts on. This is highly dangerous and can result in the compromised safety of everyone in the vehicle, especially if the car meets an accident.

6. Harder to apply brakes:
Brakes will take longer to stop an overloaded vehicle than a regular vehicle. This, in turn, makes it harder for the driver to react in case of emergencies and makes it highly unsafe for passengers due to the possibility of car crashes

7. Acceleration loss:
Acceleration is highly compromised when a car is burdened beyond its carrying capacity. It makes it harder for these cars to move smoothly between vehicles on a busy road, which can result in mishaps.

8. Reduced visibility:
Your rear vision will be impaired if items are packed on top of each other in the backseat. This reduces driver control and can lead to hefty fines if caught. Also, the cramped space that comes with riding with so many passengers aboard can severely hamper driver control.

9. More petrol consumption:
The engine demands more consumption of petrol to generate the power to drive the load in the car. While this may not seem like a high cost, it adds up to be a lump sum with time.

10. Discomfort:
Driving with such heavy equipment increases discomfort, and there's a high probability of a heavy object hitting your head if you apply the brakes too hard.

Although insurance rarely covers damages resulting from overloading a vehicle, it's best to research the best car insurance in India to be safe from heavy expenses if your car faces damages due to an accident. We advise you to avoid overloading your car in any case. It is not worth damaging your valuable asset and putting your life at risk for saving time and stuffing your car with excessive items. Safety should be your top priority. Therefore adapt to healthy driving practices to keep yourself protected throughout your journey.

Click HERE to know more about 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 home is so much more than just a shelter. It is where you create memories, watch your family thrive, and compound your wealth. Considering the constantly increasing prices of homes, buying one is a dream that not many accomplish easily. Recognising the monetary and perceived value associated with the asset, it becomes essential to protect your home and personal belongings from unforeseen circumstances like burglary and vandalism by buying home insurance India.

While home insurance India is a periodic investment that satisfies your safety requirements for a specified tenure, the interiors of your house do not fall into the same category. With changing trends, tastes, and preferences, it is inevitable to wish to renovate and alter the aesthetic appeal of your home. However, you may not have the finances to avail the services of professional designers to bring your vision to reality and design your ideal space.

In such a case, fret not! Here are some inexpensive and easy DIY tasks you can take on the weekends to give your home a new look!

1. Entryway systemiser:
The area that greets a visitor upon opening the main door is the easiest way to build a great impression and set the tone for the decor used in the rest of the house. While you may customise it as per your tastes, it is essential to keep it organised to give your home a put-together look. Revamp your entryway with a compact organiser that stores all your keys, sunglasses, and bags. While you may purchase separate hooks, boxes, or frames for this area, consider arranging existing sturdy holders to create a sustainable assorted organiser.

2. Foyer frames:
The room that the entryway leads into, often known as the hall or living room, is the most used space in all houses. It is also the best place to display valuable memories such as photographs, achievements, and sample works of your hobbies and interests. The possibilities for this idea are endless, ranging from minimalistic matching frames to vibrant and funky options in different sizes and shapes.

3. Create an accent:
Often, homeowners feel the need to refresh their homes to complete renovations. However, if you wish to see immediate results and are working on a tight budget or with limited time, an accent wall or furniture may be your ideal solution. Identify a complementary colour to the current colour palette of your home’s interiors and consider options ranging from artwork, accessories, upholstery, furniture, or a wall.

4. Refresh your accessories:
Sometimes, small changes go a long way in creating the desired results. Consider changing minute details in a themed manner to achieve a cohesive effect. This may be by changing your lights to similar-toned ones to set the mood or switching your furniture’s hardware.

5. Switch things up with contact paper:
Contact paper is your rescue if you’re looking for a quick fix to alter your furnishing and flat surfaces’ visual appeal. You can achieve this without fundamentally altering their surface by using contact papers. These decorative materials come in several trending prints and are available in the length you require per your project’s needs.
Simply peel away the backing and stick it to the desired surface. It makes changing the look of your home effortless since it is easy to remove and reuse, making it perfect for renters who wish to personalise their rented homes without going against the rules laid by the homeowner.

When facing time and budget constraints, hanging lights and getting plants are only some of the makeover options available. With creativity and consideration of functionality, you can efficiently use your time, resources, and space to create beautiful additions to your home’s appeal. As you invest your time and energy in home renovation projects, we encourage you to consider purchasing home insurance India, which is an investment in securing your home from external contingencies and protecting your finances.

Click HERE to buy home 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.

Buying a home is a dream for most Indians. Considering the ever-increasing inflation, sky-rocketing real estate prices and constantly changing economic conditions, it requires extensive planning and budgeting. After putting in such efforts, a home becomes more than just a roof over one’s head- it is an investment, a sign of wealth, and probably the most important asset of your net worth.

Protecting an asset on which you have spent a fortune is essential. Buying the best home insurance policy in India is important to secure your home from multiple mishaps. While the best home insurance policy in India may offer you broad coverage from several risks, is the increasing threat of malicious mischief and vandalism included?

Read on to learn all about the specific coverage under home insurance.

What are acts of malicious mischief and vandalism?

To understand what the best home insurance policy in India covers, we must understand the meaning of the terms malicious mischief and vandalism.

Malicious mischief refers to the acts of destruction with the intent to damage or destroy property. It is usually acted out as a sign of resentment towards the property owner. Criminal mischief is recognised as a legal offence as per the Indian Penal Code, which prescribes an imprisonment term of 3 months, or fine, or both for perpetrators.

Vandalism is commonly used to describe the destruction of property without malicious intent targeting the owner. It is often seen as a mindless activity done to achieve the satisfaction of destruction rather than being fueled by ill intent. Vandalism is a punishable offence in India.

The need for malicious mischief and vandalism insurance.

While the terms may seem unfamiliar, malicious mischief and vandalism are rampant in the country. Irrespective of intent, such acts result in minor to massive losses for the property owner, depending on the scale.

In such situations, the prudent purchase of the best home insurance policy in India covering such acts pays off. Since one cannot immediately pinpoint the instigators of such acts of destruction, legal cases don't suffice as an instant relief. By comparing alternatives and purchasing the best home insurance policy in India, you can ensure the immediate raising of a claim and quick settlement of financial losses arising from vandalism and malicious mischief.

Exclusions from vandalism and malicious mischief:

1. If your property has been vacant for over 60 days consecutively, you cannot raise a claim even as a victim of vandalism or malicious mischief.

2. Suppose multiple people are listed as home insurance policyholders. If one of them intentionally indulges in destructive acts to damage the property, the other policyholders cannot raise a successful claim against the perpetrator.

General inclusions under vandalism insurance.

When comparing home insurance policies offered by multiple insurers to find the best home insurance policy in India, you may notice that each insurer offers a varying reimbursement limit and the extent of property covered under the policy. While minute details can differ, most vandalism and malicious mischief covers extend to the following.

1. Fixed structures:
The most apparent inclusions are the fixed structures on your property. This includes the house or flat's external frame, additional safety door, and exterior add-ons like mailboxes or shoe racks.

2. Personal property:
The best home insurance policy in India offers coverage for all your home appliances, furniture and fittings. Refrain from raising a claim for the destruction of commercial holdings since they are not covered by such plans.

In the backdrop of uncertainties, it is always ideal to have a security net that protects homeowners from the risk of vandalism and malicious mischief. If you are considering purchasing a house, ensure that you do due research to identify the best home insurance policy in India to safeguard your home and your finances!

Click HERE to invest in the best home insurance policy in India.

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

Detecting faults in your home's electric circuit can be simple if you know exactly where the fault is or which appliance has malfunctioned. Proper knowledge is the prerequisite to easily detecting faults in the home electrical circuit. It can be in any room, hallway, verandah, bathroom, bedroom, or kitchen.

The power supply may get disrupted in the entire house or only some portion of it. Safety is paramount when it comes to detecting faults in electric circuits. Even a small mistake can cause loss of life and massive property damage.

Are you someone trying to detect electrical faults for the first time? Let us understand how you can proceed with it conveniently.

1. Get the right gear:
The right equipment and tools are necessary before repairing a fault in your home's electric circuit. Get the right tools that ensure your safety while checking for the fault. Use a socket tester and voltage meter to check the running current.

2. Switch off the main power supply:
Make sure you switch off the main power supply of your house before trying to touch any open wire or faulty appliance. You can also remove the circuit fuse of the particular room or area where you plan the repair. Failure to do so can result in an electric shock.
If there was smoke or crackling noise from any wire or switchboard, wear rubber boots or slippers and rubber gloves before touching any wire or board. They will provide some electrical insulation if they are made of 100% pure rubber without any holes or tears.

3. Testing a faulty appliance:
If any of your appliances are not working, you should try to plug them into another socket to ensure it is working properly. If the appliance works there, you have a problem with the circuit of that particular room. If the appliance still does not work, it means that your house's electric circuit is okay and not at fault. You will have to get the appliance repaired from the electrician.

4. Checking the Fuse / MCB:
Our homes have fuses or MCBs (Miniature Circuit Breakers) for every room and separate portions of our house. To prevent overloading, there are separate MCBs for heavy appliances, such as an air-conditioner. When a circuit or appliance malfunctions, the fuse will break, or the MCB will trip automatically, which will shut down power to that circuit.
Whenever you face a power problem in any particular house area, you should first check the respective fuse/MCB. A faulty appliance can also result in tripping off an MCB or blowing a fuse. You can repair the fuse by fixing the live wire if the fuse is blown. If the MCB is down, you should switch it on again and check for the fault in that particular room or appliance. If the problem is still there, the MCB will trip or shut off again. In such instances, you should call a qualified electrician rather than fixing it yourself.

5. Faulty power line:
If all the MCBs are also fine and there is still no power in your entire house, the problem can be bigger from the main line or the transformer. Please do not try to rectify faults from the main line because of the high voltage running through them. Call a qualified technician who is capable of repairing such faults.

You do not have to run for a qualified technician whenever you have a minor electrical fault at your house. You can also detect and repair the fault if it is not that severe and manageable. However, you should be careful while checking or repairing faults in your home electric circuits.

Faulty electric circuits and malfunctions can result in fire and heavy loss at your house. Fret not! Home insurance provides you with safety and security from any such unfortunate events. It covers the house structure and its contents and assists in rebuilding the damaged property. Get complete peace of mind by opting for a good home insurance policy.

Click HERE to purchase a comprehensive home 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.

In recent times, technological advancements have been table-turners for corporates in the insurance industry. They aim to bring a noteworthy revolution to the conventional business management approach. The reorientation of the entire business using these futuristic technologies can be a great advantage in bridging the gap between service and convenience, which are major pain points for insurance providers.

Talking about the insurance sector, "efficient customer handling" is the need of the hour that demands the maximum technological support. If you think on a broader level, customer handling encompasses every aspect of the service provided by the insurers.

Customers are seeking higher expectations from their insurance providers to enjoy services conveniently. Insurance companies have been analysing and implementing every strategy placing customers as their top priority. With automation establishing itself diversely in every field, insurance industries are now ready to upgrade their business model to consolidate their position in the market and be more liable to their customers.

Moving into 2023, the insurance world will be riding this wave of technological advancement. It will be interesting to watch how technology-aided services help the insurance sector build a solid customer-centric approach.

Automation: Where imagination shapes into reality!

Who had imagined that getting tasks done automatically would be a practical thing? The introduction of automation is significantly impacting behind-the-scenes operations, making them more hassle-free. The involvement of automation technologies is a boon to the insurance industry that works as the brain behind all data handling tasks and achieves all desired objectives.

Companies can now supervise various processes and real-time monitoring and delivery of the services with the help of automation. This allows the organisations to lower their servicing costs, keep an eye on the operations and maintain transparency, which helps ensure faith and trust in their employees and customers.

There is a lot of sensitive information shared by the customers during their interactions with the insurers, be it purchasing, renewing, claims, etc. And this information needs to be carefully stored and safeguarded to avoid any data breach.

The technology like blockchain will help companies keep track of customers' vital information and help consistently revamp the data, along with developing robust and resilient networks to mitigate the risks of cyber-attacks and identity theft.

What other aspects of insurance are influenced by incorporating technology-aided services?

Technology-aided services enable insurance companies to track customer demands and preferences, current industry trends, and product innovation. Adopting artificial intelligence and similar technologies will help analyse a pattern and eventually create more applicable and prevalent algorithms, transforming how an insurance company handles its customers and curates an unmatched customer experience.

These technologies will humanise the process, thus increasing productivity and providing better touchpoints for the customers to interact with. There will be efficient data storage and analysis, thus helping the professionals gain insights from past interactions and offer reliable solutions to all problems to keep up with the frequent change in consumer demands and buying patterns.

A new era of storage and computation:

The businesses are future-ready and opportunistic about the evolution of cloud technology and believe that it will advent the massive shift of insurance companies and their infrastructure. This switch of all the core systems to the cloud will make it significantly more accessible for the insurance sector to launch new products and services. Once this transformation to the cloud completes, the large data sets will be easier to analyse and draw patterns.

Cloud technology aims to create an entirely different ecosystem that balances customers' expectations and insurance companies' aspirations.

The services are being reshaped with the involvement of automation and other prominent technologies. This global adoption in the insurance sector will help reform the life, health, asset management, and other fields of customer handling. Technology is the backbone of the insurance framework, from instant applications to faster claims and customised purchases to hassle-free settlements. These smart services will be a massive bonus for the customers to interact with their insurers, mention their grievances, and provide their feedback.

With the global advent of technology-aided insurance services, you need to be proactive to keep up with the pace of advancement and the changes in the expectations of the customers. The world of insurance is observing a digital shift, and you need to welcome it to see what it offers.

Buying a car in India is seen as more than just a mode of convenient travel. It is seen as an investment and a status symbol too. In such pursuits, people spend way more on their vehicles than they should.

However, considering the income disparity, uncertainty of economic activity, and rising costs in the current scenario, purchasing such high-value assets without security is not feasible. This makes car insurance a necessity.

Despite the benefits of car insurance, there are several things a policyholder has to consider while going through the buying process. It is essential to remember the policy period and renew it before it lapses. Read on to learn all about a car insurance lapse.

What is a policy lapse?

Car insurance is an annual mandatory policy as per the Motor Vehicles Act 1988. The policy document needs to be renewed within the date mentioned, after which it becomes due and expires—failing to renew it before its expiry is called the lapse of a car insurance policy.

Need to prevent lapse.

A policyholder cannot claim damages incurred after the policy has lapsed since it is no longer valid. Such expenses have to be borne by the policyholder himself. Hence, to protect yourself from getting into such a situation, it is essential to renew your insurance before it lapses.

Effects of a lapse.

Apart from bearing the entire cost of damages by oneself, several other problems arise from allowing your car insurance to lapse, including:

1. Vehicles with lapsed insurance policies must undergo the inspection process, which is rather tedious and time-consuming.

2. After your policy lapses, the premium amount on your policy may be revised and will likely be greater than the amount you were previously paying.

3. Fines and penalties are often inescapable while renewing a lapsed motor insurance policy.

4. If you are found to be driving a car without valid insurance, you may have to shell out a fine of up to INR 2000 as per the present rules in case of your first offence. For repeat offenders, the penalty amount increases, and you may be imprisoned for up to 3 months.

5. Since your insurance is no longer valid, you lose out on the accumulated amount of the No Claim Bonus.

Renewing car insurance after lapse.

Depending on the duration after the lapse, you can proceed with the steps stated below:

1. Within the grace period: Insurance companies usually offer a grace period of up to 90 days post-lapse. If you renew your policy within this period, you may avoid paying additional fees altogether or only have to pay a nominal amount.

2. Post-grace period lapse: If the grace period window has passed, immediately contact your insurer. While some may still allow renewal, be prepared to purchase a new policy if your insurer rejects your request to renew the policy.

3. Post-permanent lapse: If it has been a long while since the expiry of the policy, including the grace period, purchasing a new car insurance policy is the only route remaining. It is inevitable to undergo a car inspection for this process. Ensure you keep track of the policy duration and expiry to prevent making the same error again.

Keeping track of minute details can be challenging amid hectic schedules. Therefore, insurers do their part by sending electronic notifications through texts or emails to alert you about the upcoming renewal of your car insurance. While it is an aid you can benefit from, it is ideal to set self-reminders or set up automatic payments with your bank to stay on top of all things related to car insurance.

Using effective self-reminding mechanisms makes avoiding the consequences of a car insurance lapse easy. Ensure that you compare policies and keep track of periods each time you renew your policy.

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.

The joy of having a companion is truly unparalleled. While some are fortunate to have multiple family members, some adopt pets to count on as their extended family and sail through life's journey together. However, irrespective of the type of pet, it is a significant decision that requires tremendous planning, which comes with several responsibilities.

You must think carefully before getting a pet to ensure that you can provide an appropriate home environment which is safe and happy for it. Having a house insurance India provides personal belongings cover to keep your home safe from the shenanigans of your beloved pet.

Additionally, consider the following tips to pet-proof your home while making it a haven for your furry friend!

1. Inspect your flooring:
Carpets are a standard accessory in most households but and are an easy way to sweep things under the rug. However, for this very reason, they may be a terrible addition to homes with pets. They accumulate bacteria and pet hair, making the house dirty and a breeding ground for diseases. Hardwood floors or non-white tiles are alternatives that can keep your home looking clean and prevent the build-up of dander and fur.

2. Keep fragile items and antiques away:
Adopting a pet may seem like an activity with only fun involved until you see the sacrifices and additional effort required. Before you get your pet home, ensure that you stash away all your fragile and high-value items for the long term in high locations. This way, you can prevent the possibility of damages that are bound to happen as your restless pet explores its new surroundings.

3. Secure all electrical outlets:
Think of getting a pet as the same as welcoming a baby home. You must go through all the motions of baby-proofing the home to keep your bundle of joy- in this case, your pet, safe. Ensure all electrical gadgets are out of reach and all wirings are secured to prevent accidental shocks. Since pets are prone to chewing on all they can sink their teeth on, regularly inspect and secure any worn wiring.

4. Stock up on space separators:
Most effective when in their younger ages, blockades help keep your pet away from specific sections of your home where you cannot continuously supervise or where you wish to keep them away from. Ideally, section off areas where you have large machines like the washing machine or dangerous equipment like the kitchen or your bedroom if you wish to restrict pet access.

5. Get particular about cleanliness:
Pets are messy creatures. No training can eliminate their tendency to make a mess. Use lint rollers to get pet hair off furniture and periodically vacuum the floor to eradicate dirt and pet hair accumulation. Keep your indoor trash cans covered to prevent your pet from knocking them down and creating a more significant problem.

6. Make use of furniture covers:
Depending on your pet's activity levels and age, restricting its access to particular sections may be futile. Therefore, it may be better to use preventive accessories like furniture covers that protect your expensive sofas, lounge chairs, tables, and even bed covers when not in use.

7. Create an exclusive pet zone:
We often hoard items to maximise the space in our homes, leaving our pets with minimal space to stretch out. Ensure that you allocate a small area in your house for your pet to play without obstructions.

Before you welcome your pet, check the above parameters to provide it with a safe habitat. Buying house insurance India is a prudent move to cover financial losses that may occur to your shared home. Depending on its coverage, the policy may even cover pet damages to the house. We hope you have a wonderful time with your pet and enjoy seeing it grow.

Click HERE to buy the best house 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.

Due to the threat of a global pandemic and the surge of different health crises, everyone now should have health insurance. Health insurance coverage can significantly safeguard you and your family from medical expenses during an emergency. This occurrence can be erratic and unexpected, and to protect the family, you or your family can purchase health insurance individually. Or, it would help if you bought a family floater health insurance plan to offer comprehensive coverage to your loved ones.

What is a family health insurance floater plan?

A family floater plan is health insurance that allows your entire family to benefit from a single health plan. These plans cover every family member under one single umbrella policy. Also, they are cost-effective because only one premium payment is needed for all beneficiaries simultaneously.

What are the advantages of getting family floater health insurance?

One of the best things about buying family health insurance is that it covers people of different ages. Neither senior citizens nor even infants require you to have separate insurance coverage. Here are some of the more notable advantages.

1. The Convenience of policy selection:
A family health plan makes it simple to choose a policy that provides coverage for all beneficiaries at once. There is no need to manage the renewals of many policies for various family members or go through the process of shortlisting them all.

2. Adding new members:
Family health insurance policies generally provide maternity benefits. It is simple to add them and provide coverage for newborns and pregnant women. So, if you are planning to start a family soon, choosing a family floater health insurance plan with maternity benefits can be a good deal.

3. Reasonable premium:
Since single-family insurance covers the entire family, coordinating several policies and their renewal dates is optional. In addition, compared to standalone individual health policies, single coverage can be modified to meet beneficiary demands at an affordable cost. Using the online health insurance premium calculator, you can quickly calculate premiums.

What should you consider when buying a family floater health insurance policy?

There are other factors to consider when purchasing individual health insurance coverage. These rely on the individual needs of each family member. Here are some recommendations for choosing a family floater health insurance policy in India.

● Your policy's coverage:
There are various features that you can review before deciding on the final coverage. Coverage is the most important thing to consider when choosing one of these policies since it varies from one to the next.

● Your plan's adaptability:
You must choose supplemental coverage to cover specific age-related ailments. If you start a family, you might have to select maternity coverage. Keep this flexibility in mind when choosing a family floater health insurance.

● No-fuss experience with claims:
Choosing a plan with fewer documentation requirements and other benefits can help you receive a seamless claim experience even though the settlement process is largely the same across insurance companies. Consider a policy that has a high claim settlement record.

Now that you know the benefits and how to choose a family floater health insurance plan, use these helpful suggestions to have your family covered and enjoy the peace of mind you deserve. Addressing your entire family's medical needs may appear daunting, but with the proper knowledge and appropriate insurance coverage, you can get the best deal. Compare different policies online, and understand their clauses, premium, and benefits before making the final decision.

Click HERE to buy the best health insurance plan for your family.

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

Are you taking delivery of your new car? But do you know that there are some prerequisites before signing any papers? Suppose you discover a problem after driving your new car away from the dealership; there are chances your dealer may refuse to take responsibility.

To avoid such a situation and ensure that everything is in working order, set up a pre-delivery inspection checklist and do the due diligence. Also, before you hit the road, be sure you have adequate motor insurance coverage from the best motor insurance company in the event of an accident.

Following is a list of things to look for when you take delivery of your new car.

1. Exteriors of the car:
A car might get damaged while being transported from its manufacturer's facility to a dealership stockyard. Check for dents and scratches, paying particular attention to the bumpers and the sides. In addition, look at the paintwork and the finish. Bring any repaint spots, scratches, or dents to the dealer's attention as soon as you detect them.

2. Check the electrical components:
Inspect and test all of the vehicle's electrical components, such as the lights, power windows, in-car entertainment, and the instrument cluster. When an automobile is left in a stockyard for an extended period, rodents often chew through the wiring, resulting in costly repairs. Furthermore, the battery should not be too old. If it is, ask the salesperson for a copy of its warranty card.

3. Interiors of the car:
After completing the exterior inspection, check the vehicle's carpeting, seats, console, and glovebox. You may check to see any wetness in your carpet by taking off the floor mats. Also, inspect the glasses and mirrors for cracks or scratches.

4. Make sure the tyres are in good condition:
Ensure that the tyres are not older than the car by checking the manufacturing date. A hardened rubber compound in old tyres could reduce road traction and cause them to wear out faster than they should. Also, inspect the spare tyre to ensure it is correctly inflated. Then examine the toolkit to ensure that it contains all the necessary tools.

5. Make sure the A/C is working properly:
Turn on the air conditioning and check how quickly the interior cools down. Vehicles that are parked in the dealer stockyard for long accumulate dust. Dirty air ducts can lead to bacterial growth, which is harmful to human health.

6. Check the engine:
Keep an eye out for indicators of fluid leaks and a damaged engine cover under the bonnet. Examine the fluid levels in your vehicle to ensure that they are at the proper levels for your engine oil, coolant, braking fluid, and windscreen cleaning fluid, among others. Furthermore, the engine compartment should be free of dust and debris.

A brand-new car will rarely cause any difficulties during driving. However, when it comes to maintaining security, ensure that you get comprehensive insurance from the best motor insurance company. Compare different motor insurance plans and select the one that provides you maximum benefits and the best premium. And yes, always take the delivery of your new car in the daylight because you will be able to spot defects, scratches or repair work, if any.

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.

Driving a lorry at night can have several advantages, including reduced traffic, availability of parking spots, and a magnificent night sky. While nighttime lorry driving may be relaxing, it is critical to practice safe night driving to avoid mishaps. According to the Ministry of Road Transport & Highways of India, road deaths increase three folds at night.

As human eyes have poor night vision, with decreased depth perception and peripheral vision, it is no coincidence that the highways are dreadful and dangerous after the sun sets.

The best safety tip would be to not drive after dark, but if your schedule mandates you to do so, here are some tips that will help keep you safe on the roads.

1. Adjust the headlights:
Check that your lorry's headlights are correctly set. When it's dark, use upper beams whenever it's safe to do so. Uppers beams can see twice as far ahead as dipper. Switch back to dipper when you're within 500 feet of an oncoming vehicle.

2. Follow speed limits:
It's a fundamental reality that humans can't see as clearly during the night as in the daytime, no matter how excellent their vision is. So, driving slow at night helps you see the warning signs or other vehicles better. Slow down even more during severe weather and foggy conditions due to less visibility.

3. Reduce glare:
Maintaining a clean windshield is vital to reduce the blindness that an approaching vehicle's headlights may cause. Furthermore, replace your wiper blades regularly to maintain a clean windshield.

*Additional tip – Staring at an approaching vehicle's beams can slow your response time. When you see such lights, gaze toward the center or right side of the highway until traffic passes. Moreover, adjust your mirrors so that headlights from vehicles behind you do not blind you.

4. Beware of your limitations:
As per the Ministry of Road Transport & Highways of India, most police-reported truck collisions are caused by sleepy driving each year. Aim for at least seven hours of sleep before you get behind the wheels. If you ever start experiencing fatigue, pull over right away and rest or refresh.

5. Be responsible:
Do what you expect of others, don't use upper beams unnecessarily, don't drink and drive, always use your side indicators while driving, flash your lights before overtaking, etc. Remember, even a small thing can trigger a severe collision and lead to an accident, so be a responsible driver.

Additional Tips:

• Maintain the health of your truck by carrying a routine maintenance

• Cover the truck with motor insurance. You can also buy motor insurance online now

• Overloading is illegal as well as causes much trouble while driving

• Never forget to wear your seatbelt

• Turn on the mp3 player to avoid feeling drowsy but ensure you don't keep the volume too loud as it might prevent you from listening to the vehicles outside

• Take periodic refreshments breaks

Whether you're a novice or an expert, the roads are uncertain. As we earlier said, the best tip is to drive during the daytime, but if night driving is inevitable, these tips will surely benefit you in driving safely.

Visit HERE to buy motor insurance online now.

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.

Asthma is a health ailment that can take a severe toll on your health. In this condition, the air passage observes inflammation, and the bronchioles of the lungs swell, making it difficult to breathe. Asthma affects the functioning of your lungs and can lead to various long-term diseases as well.

While you can control asthma most of the time, it can affect your daily activities and may even be fatal. If not addressed correctly, the symptoms can worsen over time and lead to severe asthma attacks.

Today we will look at a few ways you can control your asthma.

1. Identifying triggers:
Almost all cases of asthmatic attacks arise due to a triggering agent or underlying factors. It could be pollution, smoke, allergies, exercise etc. Identifying what triggers your asthma is essential to prevent attacks as much as possible. One handy way of doing this is by keeping notes for a few weeks. Take into account all environmental and emotional things that affect you.

2. Avoid allergens:
Once diagnosed with asthma, you can do allergy tests to learn what you are allergic to. A comprehensive understanding of what causes allergies can help you prevent them in the future. Contact with allergens can cause inflammation which may block your airway and worsen your condition due to poor respiration.

3. Immunotherapy:
Immunotherapy or Allergy shots are injected to help mitigate allergic symptoms. Over a period of time, these small doses of specific substances allow the body to adjust to them and become less reactive in the future.

4. Avoid smoke:
If you are asthmatic, you should avoid smoke from vehicles, incense sticks, and cigarettes. Even passive smoking can be a deadly trigger for your asthma. Always carry masks, inhalers, and your asthma medication wherever you go. When stuck in situations where you're unable to avoid the smoke, use masks to cover your face thoroughly. Protecting your air passage should be a priority when you're in crowded places.

5. Take medications:
Even if your asthma has been under control for a while, never skip your medications. Asthma medications are designed to help to prevent symptoms and attacks over time. Skipping on your medications can be dangerous.

6. Keep your environment clean:
Sometimes the bare minimum can go a long way. Regularly vacuuming your couches and floor can help keep dust at bay. Use a dehumidifier to reduce the air's moisture and prevent mold growth. Install air purifiers to get rid of dust mites. Lastly, don't forget to change your bedsheets and liner every week to ensure maximum protection from dust and allergies.

These are a few ways in which you can prevent an asthmatic attack. However, in case of a severe asthma condition, it is advisable to visit a doctor. Having medical reports handy at all times is a good idea to give the doctors a better understanding of your medical history.

We are often not prepared for the expenses we might incur during visits to doctors. Costly medical bills should be the least of your worries in such times. Having the backing of an insurance provider is especially helpful. Consider this a reminder of your health insurance policy renewal and prevent it from lapsing.

Click HERE to know more about 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.

India's vast network of national highways is usually busy with trucks carrying hefty cargo across the states. Transportation of heavy-duty materials and goods is majorly carried out by trucks. Their labour happens to be an essential work that contributes to the entire country's economy and aids multiple industries in flourishing and growing.

As essential as the transportation of the loaded cargo is, it can be a complex process to manage. Hauling loaded shipments for kilometers at a stretch is a strenuous activity and can become dangerous. Due to their massive size and load, several rules and regulations are levied upon the lorries. There are standard weight limitations to be followed to avoid any road accidents. All shipment companies and truck drivers must follow these safety provisions.

What are the basic truck requirements to keep in mind?

1. The weight of the load or cargo must be evenly positioned in the vehicle. Distributing the weight evenly throughout the truck ensures that its balance is maintained while driving. It also guarantees that no part of the truck is heavier than the rest so that it drives safely across the distance.

2. The cargo must be positioned and secured firmly in its place. If any items of the shipment move with the truck's movement along the road, it can cause the lorry to tip over or fall while making a turn. This can cause major road accidents and distract the driver from driving.

3. The regulatory bodies imply a standard weight limitation depending on the truck's size. The driver must ensure that these weight limitations and norms are adhered to before setting off on their journey. Not only can they be heavily fined for disregarding these rules, but they can also cause significant weight displacement of the vehicle, leading to severe accidents.

What are the risks of overloading the trucks?

1. The mechanical components of the truck are proportional to its smooth functioning. The weight limits are placed to protect the vehicle's mechanical parts from the damage caused by overloading. Parts like the suspension and engine can be easily damaged.

2. Heavy loads cause high amounts of pressure on the vehicle's braking system. The driver is forced to push harder on the brakes to stop sooner, impairing the system. Extreme pressure on the brakes can significantly increase the possibilities of brake failure.

3. Like the truck's mechanical parts, tyres can also deteriorate due to truck overloading. It causes a significant chance of them blowing out. A tyre blowout can cause the cargo to shift, displace its weight and lead to accidents. If the driver is unable to steer the truck to safely move out of the road, it may cause a major road collision and pose a threat to other vehicles on the road.

Understanding the risks of overloading trucks is essential to securing yourself, people, and vehicles. Following the safety protocols and driving with alertness and lesser (permissible) load is key to avoiding landing into unwanted mishaps. Investing in a motor insurance scheme can ensure your truck's safety at all times and get you compensated in case of damages. A good motor insurance can help you secure your finances and make your journeys stress-free.

Click HERE to buy motor insurance to safeguard your truck.

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 internet being easily accessible even in remote areas, today, people engage and entertain more through the digital world. Social media is proving to be a significant source of entertainment worldwide. However, it turns out that it is also one of the rising causes of bad mental health. Primarily, the rise of social media has long-term consequences and adverse effects on people's mental health, including cyberbullying, depression, and severe anxiety.

People think that social media is a mood booster, which is true but under certain limits. Excessive socializing can make things odd for you, majorly affecting your mental peace. Let's take a look at how social media is affecting people's mental health.

1. Comparing our lives with others:
The comparison is one of the primary reasons why people feel socially isolated. As we scroll down our social media feeds, we start comparing our lives with other people. This may be in terms of money, their day-to-day activities, looks, or happy moments. Unfortunately, the habit of comparing ourselves to others is linked with symptoms like anxiety, depression and loneliness.

2. It triggers sadness:
The more you use social media, the higher it triggers your sadness. For example, a person already dealing with mental health issues may see things that can make her feel down. This way, people feel the fear of missing out, leading to higher anxiety.

3. Low self-esteem:
People on social media are all about showing off materialistic things. We tend to feel excluded from these show-offs, which can lead to higher insecurities. Seeing someone ‘perfect’ on social media further lowers self-esteem. You'll begin to judge your self-worth, and that's dangerous.

4. Social acceptance:
Social media has taken over people's minds by its craze for ‘followers’ and ‘likes’. Youth indulge in the thoughts that if they don't get a certain number of likes or followers, they are probably not good enough or aren't socially acceptable.

5. Abrupt sleep cycle:
Social media is like that one toxic addiction you want to leave, but you can’t. According to research, almost two-thirds of the youth check their social media at least once before sleeping. Sometimes you may come across a specific post, and you decide to check about them more out of curiosity. Within a blink of an eye, you'll lose hours just scrolling on social media.

6. Leads to jealousy:
Besides comparing ourselves to others, another way social media affects one's mental health is by inducing jealousy. Seeing other people's success stories, luxurious accessories, and vacations can be envy-inducing. This vicious cycle of jealousy can lead to severe consequences.

The rise in the influencer culture has further brought plenty of side effects on today's youth. Unfortunately, draining mental health can affect one's physical health too. While these health problems may not look concerning, they can turn out more significant and take a toll on your overall well-being, productivity and finances in the future. Therefore, it is in your best interest to get HEALTH INSURANCE so you do not drain yourself financially to protect your mental well-being.

Social media is not just scrolling feeds and looking at what's going on in other people's lives. If you use it wisely, social media is a perfect medium to make you productive and happy. You will find profiles and posts related to improving your well-being, practising mindfulness, drawing positivity through education, and even the importance of mental balance, health insurance and a perfect lifestyle.

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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.