GENERAL INSURANCE BLOG

Music plays one of the inspiring roles through the most unpredictable journey called life. During the highs and lows of life, it is one constant that has been proven to have immense benefits for your mind, body, and soul.

Today, technological advancement can be seen through the different instruments and the tools to produce music that fuels our minds, thus lessening our stress and pain. People have started pursuing music professionally with immense dedication.

But one of the main questions still stands. What effects does music have on the human body and mind? How does it calm us down and bring peace to our lives? This blog will answer all your questions. Here are a few health benefits of listening to music you might not know.

1. Changes the brain:
Playing a musical instrument requires lots of practice, a massive chunk of your time, and immense dedication. And as an outcome, along with the fact that you will get well versed in playing an instrument, it has been scientifically proven that there are structural changes in your brain!
You involve a lot of senses when you learn to play an instrument- spatial reasoning, muscle movement, memory, coordination between sensory organs, and within the different sections of your brain. The nerve fibres connecting the left and right sides of your brain are more prominent in musicians than in regular people of various professions.
People who play the violin have been found to have larger brain sections that control the movement of the left touch and hand. Similarly, people who play the keyboard have bigger sizes of areas of the brain which control hearing and visual-spatial abilities.

2. Protection against diseases:
In many cases, it has been seen that people who have been in the field of music (playing instruments especially) for fourteen years or more have shown significantly visible structural and functional developments/changes in the brain. These changes might help protect them against dementia later in their lives.
Apart from this, various types of research have proven that musicians are much better in terms of verbal abilities and memory, spatial tests, and learning abilities when compared to non-musicians.
Patients who suffered from a stroke but have learned to play musical instruments have displayed a better recovery as they uniquely developed their motor skills compared to non-musicians. Such motor skills eventually help stroke patients function during everyday activities.
Not just dementia but listening to music or learning an instrument has also proven effective in reducing the risk of Alzheimer’s or delaying the progression or onset of this disease since these people have heightened memory and enhanced sensory skills.

3. Faster response/reaction time:
As people grow older, their reaction time increases due to the weakening of their senses and understanding skills. But people who have been into music, either by learning a musical instrument or being a fan of listening to their favourite musicians, have shown faster-listening capabilities, excellent touch response, and enhanced auditory and tactile abilities. Music lovers are also proven to have better integration skills of multiple senses while performing various tasks.

4. Handle pain after surgical procedures:
Several studies have shown that listening to music helps relieve chronic pain and alleviate pain generated by various surgical procedures. Music helps the patients keep calm and soothe themselves, relax and lower the need for sedatives, allowing for efficient recovery and satisfying the patient. Music therapy is often advised to patients to lessen their pain during recovery.

Other benefits of music include boosting mental health, managing anxiety and depression, enhancing productivity and concentration, improving cognitive abilities, and much more.

We hope this blog gives you insights that might help you delve deep into the world of music, navigate your interests, and improve your health. Considering your body, mind, and overall health, it would be wise to buy health insurance online India in safeguarding yourself and your family against unprecedented circumstances. You can explore your options and buy health insurance online India which is best suited for your needs.

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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.

Drinking alcoholic beverages has been a social norm for centuries. But it's time that we rethink our relationship with alcohol. Alcohol may have some short-term benefits, such as reducing social anxiety, insomnia and a decrease in cardiovascular problems. These reasons and the fact that alcohol has become a part of nearly every social activity makes it a drink on many occasions.

However, excessive drinking can lead to serious health problems, including but not limited to liver problems, depression, heart diseases, and certain types of cancers. It is very admirable if you have decided to quit or cut back on your drinking, and this blog aims to guide you on how to do that conveniently with the best tips provided by health experts.

1. Introspection and finding out your triggers:
If you've decided to cut back on the alcohol, maybe you're worried about your cravings when you stop drinking for a day or two. Or perhaps it is about the reasons for which you drink. It is important to find out why you're drinking too much, which might be stress from a relationship, work, or other triggers. When these are identified, you can start avoiding them or try dealing with these problems in a different course of action rather than having a drink.

2. Measure your drinks:
One of the most effective tips that most experts give is to measure each drink and compare it to the official guidelines on how much drinking is safe for adults. This will also estimate how much you're drinking and further solidify your approach to reducing your consumption.

3. Set a drink limit:
Set a fixed drink limit according to official health guidelines and be cognizant of the drinks you take at a time. If possible, involve a friend or a family member to help you stop at the right amount.

4. Have dry days and make fun challenges:
The brain is always up for a challenge. Try having dry days, such as vowing not to take any alcohol Monday through Friday. Or you can have months of abstinence, such as No Drink December or Sober October. Make things a challenge and do it with the people you love to get the maximum benefits.

5. Find a support person / people:
Finding a community is the most crucial step towards a good change. Talk to trusted friends and family members about your decision to abstain, and they will surely help in the process. If this is not ideal, find online support to discover people with similar goals.

6. Keep attractive non-alcoholic options at home:
There's an urge to drink alcohol even if you're probably just thirsty and need water. However, water seems like a boring alternative to alcohol. So, keep fruit juices, sparkling water, or cold drinks in your fridge to avoid going for alcoholic options.

7. Make alcohol non-accessible, and try delaying your first drink:
A 10-minute walk at night to a bar or a liquor shop can be a significant deterrent to getting a drink. Avoid stocking up on alcohol in your house, as you'll likely be tempted to finish it sooner than expected. Request friends and family members to bring their drinks and take them back with them as they leave.
Another approach you can try is delaying the day's first drink to as late as possible. Research suggests that the earlier you start drinking, the more you consume.

Quitting alcohol is an excellent choice for your mind and body. There is no saying what excessive drinking does to your health in the long term. It is heavy on your well-being as well as your pocket. Follow the tips from health experts and take your step toward healthy living. Practice mindful habits like eating a healthy diet and drinking fresh juices, regular exercise for at least 10 mins, and indulge yourself in yoga and meditation.

Opting for a reliable health insurance plan is best to save money on hospital visits. Health insurance adds a safety net to you and your family to provide robust coverage and secure your finances during emergencies.

Click HERE to know more about 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.

Car accidents do not come after announcements. Irrespective of the intensity of the accident, it is bound to stress you with a financial burden, bodily harm, or in worse cases- both. While we cannot prevent mishaps, taking precautions against potential risks is essential. Most people still undermine the importance of reliable car insurance that provides comprehensive coverage against accidental damages.

An accident cover provides monetary compensation in case of accidents that may leave the policyholder deceased, wholly or partially disabled, temporarily or permanently.

What is accident coverage in a car insurance policy?
An accident cover provides monetary compensation in case of accidents that may leave the policyholder deceased, wholly or partially disabled for a temporary or permanent period.

Factors to consider while choosing a car accident insurance cover.
In the era of digitalisation, you do not need to visit any insurance provider to buy an insurance cover. Purchasing car insurance online is straightforward and allows comparison between several policies to find the best one for you- saving time and money. The main challenge is to find the right insurance for you. Here are a few tips for finding the best car insurance in India with efficient accident protection.

1. Scope of plan:
Car insurance provides accidental cover in two forms- personal coverage of an individual (driver and occupants) or third-party damage. The premium amount and cover will change depending on the scope of inclusivity. Choose an appropriate plan after comparing the cost and benefits of different covers and choose the one with maximum benefits at an attractive deal.

2. Inclusive benefits:
Personal accident cover in car insurance plans includes permanent partial disablement rider, permanent total disablement rider, or accidental death benefit rider. Along with these benefits, look for additional benefits that your insurance provider may include in the plan, like ambulance, medicine, or allied recovery costs, which can help significantly reduce the final bills you will have to pay from your pocket.

3. Premium and coverage:
Premium plays a crucial role in accident covers of car insurance. Select an appropriate premium amount for each year so that it is not a burden on your income and provides you with a sum large enough to cover any expenses you may incur by meeting an accident or any allied expenses.

4. Insurance provider’s rating:
It is necessary to check the insurance provider's reputation in the industry before purchasing any insurance; car insurance is no exception. Ensure to check public reviews and ask your acquaintances about their prior experiences with the company.

5. Protection to occupants:
It is advised to closely understand the terms and conditions of car insurance that compensates family members or other occupants in case the accident leads to their disabilities or death. Generally, the policyholder must pay an additional premium to extend the coverage to the occupants or co-passengers in the car during the accident. This allows the policyholder to receive requisite medical attention without worrying about the costs.

6. Claim settlement:
Claim settlement rate, method of benefit payout, and settlement time are of the essence when choosing insurance. A reputed insurance company that processes claims within a few days with minimal paperwork is ideal for minimising stress related to getting compensation.

7. Exclusions:
Before choosing a plan, check what is excluded from its cover. Usually, driving under the influence of intoxication, suicidal attempts, and involving in dangerous racing sports are excluded from the accident cover of the car insurance. Read all the terms and conditions and clarify your doubts before purchasing the policy.

Safety is the greatest and crucial aspect we must ensure while driving on the roads. While you cannot prevent accidents, you can minimise their impact on your finances, your car's well-being, and the damage to third parties by purchasing the best car insurance in India. Good car insurance is the essential safety net to protect your assets and increase longevity. As responsible drivers, you need to drive carefully, avoid over-speeding, and take care of all safety parameters like wearing seatbelts and regular car maintenance.

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.

An off-road bike trip is a common wish on the bucket list of most adventure enthusiasts. The thrill of taking challenging terrains while watching picturesque scenery go by is unparalleled. Especially in a country like India, with rugged roads that aren't accessible by car, two-wheelers are the best option to explore the extreme interiors. However, planning for an off-roading trip is not to be taken lightly. It involves strategic decision-making regarding routes, your health, and safety.

While there are plenty of decisions to make while planning an off-road bike trip, the first should always be your and your bike's safety, and the best way to do so is by purchasing two wheeler insurance India.

Here are six tips to prepare yourself for your upcoming off-roading adventure!

1. Find the right bike for the trip:
To take on an adventure like off-roading, finding a bike that is the perfect fit for you is essential. While comfort is necessary, also look for a safe bike that is well-maintained to ensure it does not break down on the road. Check if any repairs or maintenance need to be done on components like the handlebar, seat, headlights, etc.

2. Get appropriate safety gear:
When we think of off-roading, we do not picture people wearing safety equipment. However, it is a rookie mistake not to go well-prepared. Safety is of utmost importance, not style. Get yourself a full-face helmet and knee and elbow guards. Also, try to keep your clothes form-fitting to minimise disturbance and discomfort. Ideally, look for riding pants, ankle boots, and a riding jacket, which are made for long rides. Always invest in your safety, and you'll surely get amazing results.

3. Insure your bike:
While the above-stated safety gear can protect you from injuries, two wheeler insurance is necessary for long-riding trips. It covers any possible financial losses due to accidents, thefts, or third-party damage. Two wheeler insurance India is mandatory even on regular roads. Still, it becomes essential for undertaking off-roading trips and provides a blanket of safety to cover your expenses in case of damage to your bike during the trip.

4. Pack appropriately:
What you pack depends highly on your destination, but wherever you may be headed, pack light. Do not try to pack everything you may need during the trip, as it's bound to weigh you down.
Keep it simple and carry disposables to throw away once you're done using them. For essentials like must-carry electronics, take the simplest versions, a few clothes, and crucial medicines. Prioritising items is necessary when packing for a road trip on your bike.

5. Make arrangements for self-sufficiency:
When planning for a road trip, you must be aware of the troubles you may encounter. You may face problems like not having access to food, water, or electricity. Be prepared with supplies or arrangements in such situations. Pack extra food and water as they are higher-priority items than a spare change of clothes.
With constant technological advancements, you can also find ways to use your bike's battery as an electricity source for your gadgets in worst-case scenarios. Do not rely on technology only- have a basic understanding of the route and destination and keep a physical map handy.

6. Get the essential tools:
As an experienced motorist, you may have a toolkit already. Still, if you're a newbie to motorcycles, it is essential to have a well-maintained tool kit with the basic equipment and a general idea of how to resolve minor issues. Always ensure that the kit is equipped with fully functional tools.

While spontaneous plans are exciting, taking an unplanned off-road bike trip may not be a good idea. With meticulous planning, comprehensive personal insurance, and two wheeler insurance India, your upcoming off-roading trip can be safe and enjoyable simultaneously! The last but most important thing you need to carry is loads of positivity, energy, and enthusiasm. The twists and turns are waiting for you to conquer them with pride.

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.

Hygiene is a factor that requires attention at all points of time in one's life. The significance of maintaining hygiene only grows with age as responsibilities pile up. While teachers and parents continue to preach about the importance of hygiene throughout childhood, it is only in adulthood that individuals realise its need. Post covid, the importance of cleanliness and personal hygiene has been seriously undertaken to tackle the adversities of health conditions.

Good hygiene helps project a well-maintained image of yourself to your employer. While hygiene habits can prevent diseases, it does not replace the need for purchasing the best health insurance in India that provides a monetary cover to compensate for hospitalisation and allied expenses.

This article covers the benefits of maintaining personal and workplace hygiene and some easy tips that can be followed to ensure the same.

1. Employee-employer satisfaction:
As an employer, you may think that only compensation contributes to employee satisfaction. However, multiple factors affect an employee's perspective towards the organisation. While salary and non-monetary benefits play an essential role, so does the environment- including communication and working conditions. An employee made to work in a confined space with minimal to no care for workplace hygiene is likely to develop a negative image of the organisation and may not create a sense of organisational loyalty, resulting in high attrition rates.
Similarly, an employee that appears not to pay attention to their hygiene is seen negatively as an unbothered, unorganised person in a formal work setting. This negatively affects the employee's performance, and companies that emphasise cleanliness, organisation, and maintaining a high business environment may even lay off such a person.

2. Outsider image of the company:
While employee-employer relationships and satisfaction are vital for the organisation's functioning, more stakeholders play a significant role in the organisation's growth. Partners, suppliers, investors, and other professionals usually visit offices, and presenting an unhygienic office or employees with poor hygiene results in a negative image of the company in their minds.
Such negative word-of-mouth publicity may be detrimental to the company's growth, making it essential to maintain personal and workspace hygiene.

3. Reduced health concerns:
The effect of poor workplace or employee hygiene directly impacts the health of employees. Since employees are human capital for any organisation, employees frequently falling sick due to improper hygiene is bound to affect the functioning and profitability of the organisation.
Therefore, employees and employers must always maintain their and the office's hygiene. While good hygiene can prevent diseases, employers should invest in their employees' well-being by providing them with the best health insurance in India and reducing the burden of massive medical bills

How can employers maintain workplace hygiene?
The employer is responsible for providing a clean and well-maintained environment that allows employees to collaborate and make the most of their capabilities using the resources provided to them to work towards the organisation's goals. Some simple ways to ensure that the workspace is clean are:
● Clean and sanitised restrooms
● Cleaned windows to allow ventilation or functional air conditioners
● Installation of air filters in polluted cities
● Regular HVAC duct cleaning

How can employees maintain personal hygiene?
Personal hygiene is not a new concept. It is only the implementation that may seem difficult to some. Following these simple tips will ensure that employees can present themselves in the best manner:
● Following the official dress code
● Ensuring proper grooming before coming to the office
● Use of self-hygiene products like deodorants, trimmers, etc.
● Regular sanitisation of desks and periodic washing of hands with soap and water

Hygiene is a basic necessity in our lives, and workplace hygiene is no exception. Employers and employees can optimise the work environment to ensure enhanced productivity by making a conscious effort together. A healthy workspace blooms fresh ideas, and these ideas drive the success of the organisation and its individuals. Good health results from practising healthy habits, and when we talk about maintaining good health, insurance plays a vital role too. Employers must buy the best health insurance in India for their employees as a responsibility to ensure their well-being and value their commitment.

Click HERE to buy the best health insurance in India.

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

Be it enjoying fun activities amidst a large crowd in another city or country or revisiting nature to restore your peace and calm and give your soul the gift of solitude, the culture of travel in India is embedded right from the schooling years. The schools include educational trips, excursions, inter-school competitions, and student exchange programs and promote them with full zeal to the students.

But what places in our country can be considered safe and have the educational potential for students of different ages? Do these places have a rich history and culture the youth of our country must know about? We have curated a list of the most popular places in our country with educational prospects so you can review them and create your travel bucket list, if you are taking your kids on these field trips.

1. Let’s take a look at Aurangabad:
Aurangabad is a popular place that has been the centre of several discussions throughout the school years in our country. This place derives its name from the name of the Mughal emperor, Aurangzeb. Famous for the UNESCO-declared heritage sites, the Ajanta and Ellora caves, it also houses Bibi ka Maqbara, whose architecture is similar to the world-famous Taj Mahal in Agra.
Aurangabad is also known for its hand-woven Himroo and Paithani sarees which display the work of the artisans beautifully. It is one of the most-visited locations by students in our country and is also considered an important pilgrimage site for the Hindus.

2. The historical importance of Chittorgarh:
Rajasthan is known for its unique culture, tradition, and a wide network of heritage forts, palaces, and Havelis. Chittorgarh boasts stunning architecture and is brimming with beautiful temples and forts across the city.
The history of Chittorgarh involves several significant wars and dynasties taking over from time to time, making it a place that beholds a keen sense of interest from the eyes of historians and history lovers. You will find lavish and budget accommodations throughout the city and interact with locals to learn more about the Chittor fort's activities and other must-visits.

3. Say hello to Hampi:
The ancient city or empire of Hampi, in Karnataka, is one of the most popular destinations to enjoy an educational tour in south India. You can witness the brilliant carvings on the rocks, which depict the history of the place in a detailed version.
The elephant stables of Vijayanagara, the lotus palace known for its lotus-shaped dome and other attractions, enhance this historic site's charismatic value. The Hampi Bazaar market is one of the most famous bazaars in India, which sells a range of artefacts, antique coins, bags, handmade shawls, and much more.

4. Who hasn't heard of Kolkata:
One of the four main metropolitan cities in India, Kolkata is a city that holds major significance in terms of technological development, job prospects, and historical importance. The most popular city in eastern India and the capital of one of the largest states (West Bengal) in India, it radiates its culture, tradition, and history. From the famous Howrah bridge to the Victoria Memorial, you will witness a range of attractions perfect for an organised educational tour dripping with information that will sweep you off your feet. Some must-visit places in the city include Sri Aurobindo Bhawan, Raj Bhavan, National Museum and Energy Education Park, Science City, Nicco Park, Writer's Building, Dakshineswar Kali temple, and many more.

Some other destinations include Jodhpur and Jaipur in Rajasthan, Kaziranga National Park in Assam, Konark in Odisha, Mahabalipuram in Tamil Nadu, Mysore in Karnataka, Nalanda in Bihar, Agra in Uttar Pradesh, etc.

Now that we have spoken about how travel is an essential part of our lives to create memories and enjoy as we progress with our days. It is also necessary that we take crucial steps for the protection of our health and belongings while travelling. General insurance is a step towards ensuring that you and your family stay safe and secure and get the coverage you need during unforeseeable times of distress. You need to explore and opt for the best online general insurance which can cater to your needs in the best way possible.

Click HERE to learn more about the benefits of online general 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.

Have you ever taken a long bus journey and gotten bored? Long bus journeys may sound exciting but are extremely challenging as you need to sit in the same position for many hours, causing boredom and fatigue. Hence, you should be prepared to make your journey comfortable and enjoyable in every possible way. If you're looking for tips to do that, this is an article for you.

*Pro-tip
Looking for good general insurance plans to improve your traveling experience and safer than usual should always be a priority. It will also keep everything in check and provide seamless benefits to protect your belongings while travelling.

A few tips to make the bus journey more enjoyable and less troublesome are as follows:

1. Opt for a night bus:
A night journey is far more comfortable than a morning one. Bus journeys at night are better due to less traffic and noise, and most importantly you save one whole day.

2. Choose comfort:
Make sure you wear comfortable clothes that are easy to move around in. If it is summer, opt for cotton clothes. During winter, make sure to wear enough warm clothing to keep yourself protected. If you're travelling in an air-conditioned bus, ensure you have blankets or shawls ready in your bag.

3. Keep things handy:
Some essentials like medicines, water, tissues, neck pillows, and socks, among others, should always be accessible to you. Quick munchies or snacks like biscuits, chocolates, dry fruits, etc., can be a great relief to withstand hunger during long bus journeys.

4. Keep an eye on your belongings:
It is extremely important to keep a good eye on everything you carry. Make sure that all your cash is not stored in the same place. Do not keep your handbag away from your eyesight.

5. Entertainment to pass the time:
Long bus journeys can take a big toll on your mood and mental peace, and only keeping yourself entertained and engaged can be the best resort. You should have all the entertainment devices packed beforehand. If you're into reading, carry your favourite book with you. You may also plug in your headphones, get lost in the musical nirvana, and feel every beat excites you as the bus moves.

6. Keep your composure:
Many things at play in a long bus ride can disrupt your peace. For instance, a crying baby, loud music, people, etc. The frustration of a tiring journey can outburst if you feel irritated by these disturbing noise sources. You need to find ways to remain calm and sane.

7. Stay hydrated:
It is essential to keep yourself hydrated throughout the long bus journey. Do not consume a lot of caffeinated drinks, as it can lead to discomfort later. Drinking enough water will help you stay fresh and energetic.

8. Book a sleeper coach bus if possible:
It is preferable to book a sleeper coach bus rather than a seater or semi-sleeper. Sleeper seats are convenient for passengers to travel with comfort and put less stress on their bodies. You can enjoy your small private cabin space in a sleeper bus and feel at home, especially when covering longer distances.

Although a bus journey can be very difficult to sit through, with proper planning, you can make things fall in your favour and, indeed, have a pleasant journey. The roads to beautiful destinations like mountains or countryside, among others, are magnificent in every possible way.

Sitting for long hours can develop boredom, health issues, and fatigue, but with the above tips, you can overcome all the stress and stay enthusiastic until you reach your destination. In all the hassle, it is crucial to prioritise your safety while travelling. As discussed earlier, purchase a good travel insurance by looking for general insurance plans to safeguard you and your belongings during the journey.

Click HERE to look for the best 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.

Having your vehicle is the best way to reach your destination, commute to work, or go on a trip, but sometimes the road traffic conditions become unfavourable. These situations arise for various reasons, such as traffic jams, accidents, faulty traffic signals, etc., and it's impossible to dodge such traffic woes.

But, as a result, some intolerant drivers display aggressive behaviour on the road and risk the safety of pedestrians and fellow drivers. Road rage is a common incident experienced daily, which is a serious issue to resolve.

Road rage can pose a threat to you, and you must follow various prevention tips to avoid it and drive safely. Also, you can save yourself from car damage costs by insuring your vehicle with the best motor insurance company in India.

Here are some of the best ways to avoid road rage and drive your vehicle peacefully and efficiently.

1. Follow road safety rules:
One of the main reasons for road rage is that people ignore road rules and regulations. Jumping signals, avoiding indicators while driving, or wrong-side driving can result in vehicle collisions. It also increases the chances of road arguments, fights, and sometimes worsening situations.
However, you must remember that you are not the only one driving on the road. When you take charge of the steering, you become responsible for your co-passengers and fellow drivers' safety. Even if another negligent vehicle is coming your way, you must let them go. Avoid trying to overtake them by keeping your ego aside and maintaining your cool.

2. Stay calm while driving:
Some drivers become aggressive while driving, leading to road rage and chaos. So, you need to know how to remain calm in such situations. If you stay composed and focused, it also helps to reduce panic and accidents. If you get trapped in a tricky situation, try not to get stressed or hyper. Refrain from getting into arguments with other drivers. Instead, try to handle the situation peacefully.

3. Maintain a safe distance from fellow drivers:
You must know the correct distance between your vehicle and others. Sometimes people ignore the safe distance and drive very close to other cars. When the vehicle in the front applies sudden brakes, and you do not maintain a safe distance, it will cause you to collide with them.

4. Manage your time:
You must know the importance of your time and manage it wisely to avoid the last-minute hassle. If you leave your home late to go to the office or anywhere, you will be in a hurry and drive very fast. Over-speeding and rash driving are leading causes of accidents and road rage. So, it would be best if you moved early to your destination to avoid the rush.

5. Ignore the person who tries to fight:
Some people on the road are short-tempered and always try to argue with other drivers. If you come across such a person, avoid road rage by ignoring him. Stay calm, have a smile on your face, do not get out of your car to settle the matter, and try to resolve your issue with apologies and move on.

6. Get your insurance:
It is mandatory to have motor insurance for every vehicle owner in India. It will protect you from car damage, mishaps, and undesirable situations. If you do not have a car insurance policy, you must buy one from the best motor insurance company in India.

Everyone wants to drive safely, but sometimes people misunderstand the right way of driving and engage in road rage. You must follow the tips mentioned above to avoid such situations and travel to your destination without chaos. Also, educate others with these tips to minimise the rising cases of road rages in India. Lastly, ensure that you purchase reliable insurance coverage for your vehicle from a trusted motor insurance company in India.

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

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

People from all walks of life have resumed their travel adventures after the stressful time of the covid era. They are back on the roads, taking long flights, camping, or extended stays at popular destinations to enjoy their holidays. For some avid travellers, travelling is not just a hobby but a way of life. It is the oxygen that lets them stay alive.

However, planning a vacation seems like a challenge knowing the changed interests of the travellers. There's much to be done, from booking flights to finding the perfect hotel room. Many people make wrong decisions while planning their vacation and regret it later.

One of the key features of a good vacation comes with a good hotel room. Your accommodation matters a lot. This is where you will relax and stay put after a long day of travel. You should make sure it is top-notch and fulfils all the criteria. If you're also struggling with finding the best hotel room for yourself, we have some tips to help you. Regardless, you should always sign up for general insurance if things go wrong during your travel. You should buy general insurance online before starting your vacation.

Here are a few top tips to consider while booking a hotel room.

1. Location:
Location is of prime importance when you book a hotel. You should always check where your hotel is situated. It should always be within walking distance or a 10-min drive from the prime locations of the tourist destinations. This way, you will not need to spend a fortune commuting from one place to another. Your hotel should be in the city centre, easily accessible by all public transportation. Whenever you book a hotel, make sure that you find its exact location. Often hotel booking websites have a brief description of the location. Before booking, you should use online maps to find its appropriate location and distance.

2. Internet access:
You may require a stable internet connection to access maps or book cabs. You will also require the internet if you're working on your vacation. For this reason, you should always check if your hotel has a Wi-Fi connection. And even if it does, it should be available in your hotel room. If Wi-Fi is listed, you should find out if it is free or paid.

3. In-house restaurant:
Most hotels now have an in-house restaurant for all your needs. You should check about the same before booking a hotel room. This way, you don't need to head out whenever you feel hungry. This can make your stay enjoyable. Enquire about it in advance before booking the room.

4. Type of hotel:
Before you book a hotel room, you should always find the type of hotel you are opting for. If you're with a family, you should not go for a budget stay and consider selecting the best one. It should also abide by family policies. If you're travelling with your partner, the hotel should be couple friendly. Check the type of hotel in advance before you book your stay with them. You can also book from different staying options like premium luxury hotels, boutique hotels, homestays, camps, glamping, and more.

5. Room size:
You should have a fair idea about the room size before you book the room. It makes a significant difference, especially when you are travelling with family and staying for a long duration. You should check on the hotel website before booking. You should also look at the bed size and if it abides by the number of travellers.

These are the few tips and tricks that travellers should consider while booking a hotel room. This can help you immensely with a smooth booking experience and a successful journey. Always go online, research multiple properties, their prices and amenities, and reviews, then make a final decision. If you want your vacation to go well, you should buy general insurance online to deal with mishaps later!

Click HERE to buy general insurance online.

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

Recently, the discussion about money management and growing wealth has taken centre stage. In the background of the pandemic, layoffs were causing concern while freelancing and remote online jobs boomed, providing people of all ages a chance to make money. Despite the opportunities and rising wages for specialised jobs, the risk of recession and inflation is still present.

In such an environment, simply making ends meet is not enough. Individuals need to save and purchase general insurance for future contingencies.
Saving and personal financial management may seem complicated. Still, with some planning and habitual implementation, you can make an emergency fund, plan for your wants and invest without compromising on your present or future aspirations!

1. Make your budget:
Our first tip would be to prepare a budget that makes you aware of your expenses and income. Your budget is a combination of your income and expenses for a period. Ideally, your income should be more than your expenses at all times, and it is recommended to have more than one source of income.
Once you have your budget, do not make excuses for your financial position. Numbers do not lie, and your reasons will not reverse your situation but can help you plan better in the future.

2. Set aside a savings fund:
Consciously putting aside money from your income as savings is difficult as the temptation to splurge on impulse shopping is at its peak when you first get your paycheck. To resist such temptations, set up a separate bank account for savings.
Schedule an automatic transfer from your monthly salary immediately after it gets credited into your account. This way, you don't need to take time and decide to save; it just gets done automatically!

3. Purchase general insurance:
If there's one expense you must undertake at all times, irrespective of your income and expenses, it is general insurance. General insurance covers your property, health, and vehicles against unintended harm caused by many factors.
The lack of a general insurance policy is bound to pinch your wallet as the burden of compensating for the damages ends on your shoulders. Online health insurance, travel insurance, motor insurance, home insurance, and commercial insurance fall under this umbrella. Some of these are tax exempt, which can help you reduce your taxable income and pay reduced taxes.

4. Consciously use a credit card:
A credit card is an excellent monetary tool that gets a lot of flak for being mismanaged by individuals with no financial discipline. Credit cards are instruments that facilitate credit-taking and make it highly accessible, which tempts many people and ends up leaving them in a cycle of debt.
If you lack financial discipline, immediately cancel your credit cards and dispose of them. If you have credit card loans, focus on repaying them as early as possible. Use a credit card to purchase items that you know you can repay within the month.

5. Pay recurring bills on time:
Services billed monthly, like electricity, internet subscriptions, etc., can become a significant expense if not paid before the due date. Often, people forget dues, and these dues snowball into a much more considerable amount than the original sum. If it is an unnecessary expense, consider cutting it out before it piles up. If you need it, try scheduling an automatic payment to prevent paying interest on dues.

Savings and financial planning are not habits that are developed overnight. They require conscious planning and continued discipline to build. However, simple tips like directing your income towards investments, and savings before considering expenses can help inculcate sound financial habits.

Insurance is an all-time favourite tax-saving financial instrument and a beneficial liability to undertake healthy life and manage funds smartly. A wise decision will be to purchase online health insurance or other general insurance plans to make the process less hectic and more rewarding. The more you value your finances, the better your lifestyle will be.

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.

What's better than enjoying a cosy winter afternoon basking in the sun? In India, winters have their charm. However, as the winter season descends, the temperatures can dip low from December to February. This means that you will find it difficult to wander outdoors.

But staying indoors can also become monotonous. It is all the more difficult for the elderly, who find it extremely difficult to step out. The weather is difficult for them, making them prone to various infections and health conditions like arthritis, joint pain, cough problems, and more.

The best solution to deal with it is by staying indoors. It is a month-long lockdown for them. So, how do we keep the seniors entertained and content at home? This article will give you all the answers that you are looking for. We have curated a list of the best indoor activities for the elderly.

While you create an atmosphere with all the indoor activities, you should always have the most affordable health insurance plans to keep you and your family afloat, especially the seniors.

Here's a list of the top indoor activities during winter for seniors.

1. Puzzles:
Puzzles are one of the best indoor games ever invented. They are not only entertaining and enjoyable but also great for the mind. They will help the seniors pass the time and make priceless memories with their families. You can engage them in jigsaw puzzles, crosswords, or sudoku. They are good exercises for the brain. You can also turn it into a family activity for added fun. It will guarantee moments of warmth and togetherness.

2. Knitting or sewing:
Knitting or sewing is an amazing indoor activity during the winter. It is not only productive but also helps in enhancing the motor abilities of the body. It helps in maintaining the hand-eye movements of the elderly. You can encourage them to pursue their hobby of knitting or sewing in their free time. Gift them a sewing kit to get them started, and try to knit with them to make them more valued.

3. Reading:
Reading is the best hobby to practise in old age. It encourages cognitive benefits. Reading diverse literature will also strengthen their knowledge and develop their imagination. What's better than losing yourself in the world of fiction during winter? It is a superb indoor activity for seniors. You can ask them about their genre of choice and help them select a book accordingly. You can also get them to join an online book club to discuss their book every month.

4. Cooking / baking:
Winters are for sweet treats distributed throughout the household. If your seniors are into cooking or baking, they can easily have a great time doing that. Cooking is a fulfilling yet productive activity that can keep one busy all day. The results also give them a sense of worthiness. You can ask your loved ones to treat you with baked goods during this festive season.

5. Painting / craft:
Winters are the best time to explore the Picasso in you. You can gift your elderly art supplies and see them unravel their creative side. You can encourage them to draw, paint, or create whatever they wish. It is a great activity for them to enhance their creativity and imagination.

These are some of the best indoor activities you can do with the seniors in your house. They will thoroughly enjoy doing these while they stay home during the winter. Regardless, you should always look at affordable health insurance plans beforehand for your family members. It is good to always look out for them!

Click HERE to buy 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.

If you are somebody who wants to invest in a scooter or a bike, you should first figure out if you wish to purchase a new or used vehicle. It will help you to narrow your searches by a large margin.

Not just that, buying a used two wheeler will also save you a significant amount of money. If you are a first-time buyer, you may not understand why a used vehicle can be a good option. In this blog, we will discuss a few reasons you should consider buying an old two wheeler rather than a new one.

Meanwhile, whether buying an old or new bike, understand that it is crucial to protect your vehicle with the best two wheeler insurance in India.

1. Getting bikes or scooters at half the price:
One of the main reasons you should select a used vehicle over a new one is the price difference. You will be able to get your favourite bike or scooter for half the price, making it convenient for you to get the best deal.
So, you should make a detailed list to narrow your choices and filter them as per your requirements and budget. Compare the offers of different dealers and pick the one that suits you best.

2. Getting in contact with the best dealers:
When you start looking for used bikes or scooters, get in touch with trustworthy dealers. Since several dealers are selling pre-owned vehicles, reputed dealers are the ones who have a wide range of well-maintained models with competitive prices. You can choose one that will fit your needs the most.
Not only that, but an experienced dealer will also ensure the two wheeler is safe and secure. If you select the best dealer, they will also provide you with other benefits, such as insurance, post-care services, etc. In addition, they will also help you acquire a bank loan for a pre-owned vehicle, if required.

3. Appropriate professional check-ups:
Good dealers have their panel mechanics who ensure that bikes and scooters are safe to drive before they go out on the road. Not just that, but they also examine the two-wheeler for rust and change the parts with new and genuine ones for an improved rider experience.
You may also ask them to look at all these improvements and alter them if needed at the time of buying. In addition to that, they will also assist you in taking the bike or scooter out on a test drive to determine if it is best suited for you.

4. Price negotiation is available:
If you are looking for a two-wheeler within a budget, it is best to opt for a used one since price negotiation is readily available. If you already know everything about the bike you want to buy, you can make an offer based on your budget.
Multiple dealers nowadays provide options to help you acquire the best price for your choice of vehicle. Because of this, it will be easy for you to save a lot of money in a short amount of time.

For novice riders, it is always a good idea to ride used two-wheelers and train themselves professionally before purchasing a new one. Used two-wheelers will give you better opportunities and options to go around and get your favourite bike home at affordable prices.

Whether buying a new or old one, it is important to purchase two wheeler insurance. It is mandatory by law to have insurance to ride legally in India. Buy the best two wheeler insurance in India and promise your two wheeler a reliable safety net.

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

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

Is this your first time owning a bike? If so, you may not know how to detect a dying clutch. A clutch is one of the most crucial parts of a vehicle that connects and disconnects the engine to the transmission system.

It is one of the main working parts that needs your close attention. A malfunctioning clutch may cause serious harm to your vehicle.

Here are a few factors that can help you to detect if the clutch needs an immediate replacement.

1. The bike and the engine start at different speeds:
One of the main aspects that can help you notice a malfunctioning clutch is when your two-wheeler and engine start working at two different speeds. This is known as clutch slippage. You will be able to notice it when you start your vehicle and accelerate, it will run slowly, but the engine will be at high speed.
Since the friction in the clutch gets reduced over time, it becomes more challenging for the disc to hold on to the flywheel and pressure plate. It, in turn, makes it hard for the engine to transfer energy. You should pay attention to this symptom immediately, or it can lead to some major damage to your bike.

2. Reversing the gears becomes challenging:
The second factor that will make it evident for you to notice a dying clutch is when reversing becomes more challenging. In such a situation, you will not be able to get in or out of third gear, making riding comparatively worse for you. Since it only happens when your clutch is dying, it will help you realise that your two-wheeler requires servicing.

3. Clutch pedal makes noise:
When you depress or release the clutch, the clutch pedal starts making noise. You may also feel vibrations on your bike with shifting the gear, which might indicate a worn-out clutch. Not just that, but the clutch also makes a sound when the lubricant that helps it run dries up. Hence, you should get your vehicle checked by a mechanic to get the problem solved.

4. Clutch creates a burning smell:
Another factor that can help you spot the malfunctioning clutch is when it starts giving a burning smell. It happens when the slipping machine causes friction, which increases the temperature gradually.

5. Avoid aggressive downshift and riding on clutch:
Many riders have a strange habit of aggressive downshifting even when it is not needed or can be done better and more smoothly. These sudden and aggressive downshifts put pressure on the clutch system, and it gradually wears out.
Riding for a long time with a half-clutch pressed is not recommended. Use the clutch only at the time of gear shifting and avoid riding with the clutch engaged at all times.

6. Reduced fuel consumption:
Clutch problems significantly impact the mileage of your bike. A worn-out clutch puts pressure on the gearbox, further lowering the engine's performance due to the excess fuel required to generate power. This reduces the mileage of the bike and even impacts the quality of the engine over time.

Do you wish to drive in a way that will help you stay secure? If yes, you should take care of your bike's clutch regularly. One of the best ways you can do this is with the help of mechanics and regular servicing. Another proactive way to ensure your bike's safety is purchasing bike insurance online. Get affordable deals, enhanced coverage, and exciting benefits that make your life less stressful and financially sound.

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.

Diesel and gasoline both cost a lot of money. Each has benefits and drawbacks, and you'll find it challenging to choose the best car variant. If you compared them to one another, you would see that their prices are still very different from those of CNG. The winner is unquestionably CNG (compressed natural gas) every time!

If you drive a lot, CNG is cheaper and better for the environment in the long run. However, it does have an impact on your car insurance premiums. What and why?

Here is what you should know if you ever want to buy a CNG kit for your car. Determine whether owning a CNG kit will affect your premiums directly or indirectly.

Before that, let's discuss its benefits.

1. More efficient mileage:
The mileage of your car will significantly increase after the CNG kit is installed. Less fuel is required for the same distance than petrol and diesel. Additionally, CNG is less expensive than petrol by roughly 50% or more, getting you more saving on fuel.

2. More protection:
Need protection and good value? A safer option than gasoline and diesel is compressed natural gas (CNG). It is a good eco-friendly fuel option due to its low carbon dioxide emissions.

3. Real cost savings:
Although CNG kit installation involves a considerably high initial cost, you can easily cover it in a few months

The drawbacks of CNG are as follows.

1. Increases boot space requirements
The size of a CNG kit may take up most of your car's boot. Avoid CNG kits if you like taking long trips with a lot of luggage.

2. It's not always easy to find:
CNG is still not available at all the fuel stations. It implies that you'll have to wait in a huge line of vehicles when you need to refuel. The refilling process could take up to 15 minutes or more.

3. Licensing and convertibility:
The CNG fuel system only works with some cars. Before the equipment is installed, you must receive government approval. The Registration Certificate (RC) must be branded with a "fuel change" seal as part of a series of requirements.

How does your car insurance policy be affected?

1. Current insurance won't be enough:
There is still work to be done if you want to install a CNG system in your car. You might assume the current insurance coverage would be sufficient. However, it won't be enough. With CNG kits come higher maintenance and repair costs, the car insurance premiums also increase. The CNG kit must be listed on the vehicle's registration certificate to satisfy some insurance.

2. Invest more in premiums:
Insurance companies view CNG vehicles as of a higher risk. Liability insurance for your CNG vehicle would cost you an additional sum. Typically, the increase is between 4% and 5% of the cost of the CNG kit. The age and brand of your car affect the premium as well.

To insure the kit, you must have your car insurance policy's endorsement approved by your insurance provider. Your entire policy will be considered invalid if you don't complete it. Be prepared to give up your car insurance benefits if you choose not to insure the CNG kit! Always verify with your insurer before putting the kit in your vehicle. After receiving their confirmation, only then should you decide.

Click HERE to buy a reliable car 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 demand for passenger cars has continued to grow each year due to economic growth, the production of affordable vehicles, and driving convenience for the public.

However, with the rise in vehicle ownership, an inevitable increase in traffic and stricter rule enforcement have followed. It is essential to follow the rules to protect the passengers and the vehicle. For instance, purchasing a car insurance cover is one of the first things that you must do after buying a car to protect the vehicle from damages and reduce the financial burden on the owner. The car insurance price in India is reasonably set depending on usage, model, and engine cc and covers any contingent damages.

It is also essential to follow the rules laid down by the RTO. Often, car owners get their windows tinted, a practice restricted by the authorities. This blog discusses the issue and the consequences of not following the regulation.

What are window tints, and why are they needed?

If you are unaware of the term, it may be because your car does not come with pre-existing tinted windows. Placing a thin laminated film on the inside or outside of windows is common in automobiles and glass buildings, which results in tinted windows.

The thin barrier prevents harsh sun rays from entering the room or the vehicle, thereby minimising the heating. Since sunlight is known to penetrate glass easily, it not only heats the interior but may also cause damage to the seats or furnishings. Apart from sun protection, it provides the added benefit of privacy by minimising visibility from outside.

To sum up, tinted windows are a beneficial addition to cars since they protect the car's interiors from heating up, reduce the risk of damage due to direct exposure to sunlight and also provide passengers privacy.

Why does the RTO restrict the use of tinted films?

The RTO only allows a percentage of tinting that is permitted on laminated films for use on car windows. By following the limits, car owners can safely and legally protect their cars from the heat.

The significant risk of using tinted films is the reduced visibility to drivers. Driving requires the complete focus of the driver and the proper functioning of all his senses to ensure safety on the roads. Depending on the tint percentage, these films can severely hinder the driver's visibility and lead to accidents.

Are window tints illegal?

According to the judgement passed in 2012, the RTO has approved sun control films on windows that provide a minimum of 70% visual light transmission on the front and rear glasses. The side glasses must have minimum visibility of 50%. Some automobile manufacturers also provide the option of installing RTO-approved car glass films.

Penalty on tinted car windows:

If you install tinted films that are not following the RTO's guidelines, you may be fined INR 100 for your first violation. If found for the second time, the fine increases to INR 300. The subsequent breach is fined INR 300, along with the cancellation of the driver's licence. While tinted windows are not illegal, it is necessary to abide by the rules established by the authority to prevent one from getting into legal trouble.

Car insurance is a crucial investment tool that offers comprehensive coverage to the owner if the car gets damaged in an accident. Purchase one for your car by browsing through different plans online and looking for the best car insurance price in India.

But, not following the RTO-issued guidelines on tinted windows or road safety may cause you to encounter the rejection of your car insurance claim. Stay alert and avoid yourself from landing into any trouble.

Click HERE to check out for the best car insurance price in India.

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

Nearly 138 crores of the Indian population adhering to stringent traffic rules can seem daunting, but the benefits are surely rewarding. It is imperative to understand that these rules are in place to ensure the safety of citizens and exercise their rights freely without causing inconvenience to others.

Even with so many rules and regulations, many people face harrowing accidents and unfortunate defilement while travelling. It can be costly to deal with the expenses involved after an accident. With accurate knowledge and proper planning, one can counter these challenges with the seamless advantages of an insurance policy.

A motor insurance claim is a compensation provided to the insured by a motor insurance company. The compensation is paid for any damage caused to the insured's vehicle. The policyholder must pay a monthly premium to avail of the insurance benefits and get compensation for damage done to the vehicle and even to third-party.

Motor insurance is an efficient safety net to safeguard your asset and prevent your finances from draining behind the repair and maintenance work. It is important to keep your motor insurance updated and look for its renewal date. Never miss out on your motor insurance renewal. You can conveniently do online motor insurance renewal to save time and avoid your policy from lapsing.

Let's look at various types of motor car insurance claims available along with their requirements.

1. Cashless insurance claim:
This settlement process is the most convenient. You don't have to worry about expenses or vent your pockets for the repair work. The motor insurance company will clear all the bills associated with the respective vehicle, thereby giving you cashless benefits.

2. Reimbursement insurance claim:
You have to foot the bills by yourself, and the responsibility of filing for reimbursement is upon you. It can be daunting to keep track of all paperwork of repair, original bills etc. The documents required for claiming insurance should be thoroughly checked and filed accordingly. The claim can remain deficient if the necessary instructions are not followed.

3. Third-party claim:
This claim is enforced to seek coverage to the third-party liabilities. If any third party suffers damage from the insurer, it should be reported to the nearby police station and the motor insurance company. If the roles are reversed, the individual seeking claim must provide the vehicle and owner details needed to claim the insurance.

4. Own damage claim:
This type of claim is filed after the insured's vehicle is damaged in an unfortunate incident. The motor insurance company should be immediately notified where the verification and assessment of the damage will be done before paying the repair cost. The insurer must submit the required documents if a reimbursement claim is needed.

5. Theft claims:
This is raised when a car gets stolen. The initial step is to notify the police, the RTO, and the motor insurance company. Documents required to claim must be maintained and provided along with the car keys.

The following documentation is necessary as deciphered by the insurer:

1. In the case of accidents:

● The claim form with signature

● Copy of motor insurance policy

● Car registration certificate

● Driving licence

● FIR copy

● The bill estimated for damage repair

● Repair bill and payment receipts

● Vehicle inspection address (if no garage is mentioned)

2. In the case of car theft:

● Copy of insurance policy

● RTO theft declaration

● Police FIR copy

● Subrogation letter

● Car registration certificate and book

● Previous insurance policy details

● Any car-related items such as keys, warranties, booklets, etc.

● Forms 28, 29, 30 and 35

● RTO official intimation for theft

● Claim discharge voucher with revenue stamp and signature

3. In the case of the third-party damage:

● Claim form signed and filed

● Police FIR copy

● Driver’s licence

● Registration certificate and related documents

● A vehicle's original registration copy with the stamp

The police and the insurer must be notified about the mishap within 24 hours. The claiming process can become effortless and less complicated if the necessary documents are prepared beforehand. The owner must evaluate the entire situation before claiming anything for their vehicle. Every legal documentation in motor car insurance must be taken care of. Regularly schedule your online motor insurance renewal before the due date so you can avail maximum benefits and safeguard yourself by being a responsible citizen.

Click HERE to get online motor insurance renewal and protect your vehicle.

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 is no denying the importance of having the most comprehensive and cost-effective motor insurance policy that fits your needs and finances. Though in all of this, let's not forget that the insurance policy's premium can be affected by several things, natural disasters being among the most significant.

Since many readers seem to lack even the most fundamental understanding of how large floods might affect the cost of your car insurance, that's what we'll be discussing today.

When your vehicle is damaged in a major flood:

The first thing you should do after a flood is contacting your motor insurance company. They should make the necessary arrangements to restore your vehicle. Floods affect many people and their vehicles all at once, so you'll want to act quickly. It's important to file your claim immediately; the longer you wait, the more damage you'll likely incur. However, remember that major floods can make insurance companies slow down as the other drivers may be filing similar claims at the same time. This makes the claims process difficult for insurance companies.

If your insurance company provides a claim based on a flood, you may see your premium increase or lose on the NCB (No Claim Bonus) benefits. Most insurance companies won't increase the premium immediately, and also it may take longer for the claim to be cleared.

Methods used to calculate flood-risk zones:

Flood-risk zones are areas prone to frequent floods. These zones are often identified in the form of maps. There are many ways to determine a flood zone, and each type has its own conditions.

Flood insurance premiums are based on the probability that a vehicle will be damaged due to flood. The probability is usually between 0.2% and 1.0%. The risk to a vehicle's value depends on the location within the flood zone and the severity of the flood.

Effects of large flood events on premiums:

In the last decade, weather-related catastrophes have increased in frequency and severity, posing considerable challenges for the insurance industry. And the effects of climate change are expected to accelerate this upward trend, further affecting insurers' bottom lines.

Large flood events can cause motor insurance companies to reduce their payouts by reducing the number of claims they pay. Insurers also limit their payouts by restricting coverage for high-risk events. This, in turn, increases pressure on governments to invest in flood prevention and to provide compensation to those affected.

Floods are events that cause significant damage to vehicles, from expensive repairs to a total loss. They reduce the vehicle's value, and only comprehensive motor insurance can help you deal the best with these losses. If you reside in a flood-prone area, you need to consult your insurance company to see if they can cover the cost of repairing the vehicle. You may even consider buying add-ons like Zero Depreciation cover, Non-Claim Bonus (NCB), Engine protection cover, Roadside Assistance cover, and more to further lower the impact of flood damage and provide broader coverage. If you live in a flood-prone area, then you always need to be on your toes and up-to-date with safe and reliable financial instruments like insurance to make damages appear less daunting.

Click HERE to buy comprehensive motor 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.

Financial education is a topic being discussed like never before. What was previously seen as a taboo is now being openly discussed in live conversations and on various platforms on the internet by an audience of different age groups. As modern-day parenting involves breaking down finances by providing the privilege and freedom money brings, children are not far left behind.

Insurance is a fundamental component of sound financial management, which must be introduced to kids early. You can set an example by discussing different insurances with your child in simple words.

Why should you discuss insurance with kids?
You may wonder why discussing insurance with kids is of significance. Simply put, insurance is a mechanism that provides safety cover and teaches budgeting and saving, which are essential for efficient money management. People who have not been exposed to insurance at an early stage tend to take it for granted and realise its importance after reaching their 30s or 40s, when insurance providers hike up premiums, making insurance expensive.
By teaching your children the benefit of insurance, you are making them aware of contingencies, being prudent, and taking covers to monetarily protect themselves from any damage to their property or health. When taught at such an impressionable stage, concepts tend to stick for a lifetime and help in making conscious decisions relating to money.

How to bring up insurance with kids?
Insurance is a complex yet essential instrument that provides safety against contingencies in the future. While necessary, it wasn't easy to understand and pick one for your needs before digitalisation. However, the internet's plethora of resources makes it accessible to all. For example, you can buy your two wheeler insurance online India and show your children the complete process and its benefits.

1. Make use of your kid's prised possessions to pique their interest
Drawing and retaining a child's attention is challenging. However, you can easily explain different insurance types to children using what they hold dear- toys. Insurance protects what matters most from unintended damage. Use this concept to get your child's attention. Insurance discussions with children do not have to be formal and provide the best results when introduced naturally.
Playtime provides the best opportunity to introduce insurance. Using imaginary scenarios and functional characters, you can use them to explain the unpredictability of the future and the need for a safety net.

2. Use of digital resources:
Recently, resources like online courses have seen a rapid increase in demand. Similarly, online creators on platforms cater to simplifying finance for non-specialists, and a specific niche for kids is also developing. Since kids of this generation occupy the maximum screen time, it becomes easy to introduce financial habits in uncomplicated terms through visuals and digital content.

3. Involve your child in making financial decisions:
Choosing where to spend your money is essential to building an ample savings amount and helps determine the individual's financial acumen. Once you have introduced the topics to your child, give them a weekly or monthly allowance of a minimal sum that is enough to purchase a small value item like a snack, and then ask them where they would prefer to direct the balance amount.
You can guide them to invest their money to safeguard their valuable assets like their two-wheelers by researching themselves and investing in the two wheeler insurance online India. Let them know the wonders insurance can have in one's life due to its seamless benefits. This way, your child will gain practical exposure in a controlled environment.

Financial literacy is not obtained overnight and is a healthy discussion that should be initiated at the earliest stage possible. It allows for a greater sense of responsibility in children. The best way to inculcate this habit is through regular discussions about savings and managing wants and needs.

You might give your child a pretty bike or a scooter once they cross 18 years of age. Still, your next step should be advising and motivating them to self-understand the importance of crucial financial investments like insurance. They can start by using the internet for their analysis and learn to invest in two wheeler insurance online India not just to safeguard their asset but more to learn the power of smart investing!

Click HERE to buy 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.

In a country like India, a two-wheeler is one of the convenient options for commuting. It is affordable and preferred by the majority of people. As the cost of fuel prices is soaring high, two-wheeler has become people's favourite. Most people in India prefer a two-wheeler for all their travel needs.

However, an average Indian family consists of a minimum of three members, which makes it challenging to travel by road on a two-wheeler. A two-wheeler is designed to keep the needs of two people in mind, and using it for triple riding can be dangerous. When three people travel in a single vehicle, the risks increase manifold.

In this article, we will discuss why triple riding in India is a violation and should be avoided.

Furthermore, you should always have 2 wheeler insurance to help you tide over unwanted circumstances. It will ensure the safety of your vehicle at all times and prevent it from any financial harm during emergencies.

Why is triple riding prohibited in India?
Whenever roads are heavily congested by traffic, things ought to get complicated. India is no exception. It is the second most populated country that still lags in road planning and spacing. This leads to numerous road accidents daily. Henceforth, to tackle this problem, the Indian government has come up with a set of stringent traffic rules and regulations, including triple riding.

The main traffic rules related to triple riding via a two-wheeler are:
● Only two people, including the driver, should be allowed to sit on a two-wheeler.
● Both driver and pillion rider should be wearing helmets while riding.

If these two strict rules are not followed:
● You will be liable to pay a fine of up to INR 1000 to the traffic police. The fine rate can vary according to the state you live in.
● You may be prohibited from holding your driving license for up to three months. This means that you will not be able to drive around at all.

Why should triple riding be avoided?
Tripling has become extremely common in India. It is as common as jumping traffic lights or not wearing a helmet. Most people do not seem to care about the repercussions when they consider tripling.
Additionally, the bikers who opt for tripling are not only putting their lives at risk but also endangering the lives of others on the road. A two-wheeler is meant for two people and is mechanically incompatible with bearing the weight of three. This can damage the vehicle in the long run or cause problems at any time.
Mostly young riders of 18-25 years of age are spotted triple riding. They put their lives in danger without being aware of the traffic rules and the severity of the offense.

Triple riding is a regular sight in India. The government should make strict rules and levy heavy fines on riders who break the traffic rules. People try to overlook the consequences of tripling and consider it as a fair option for commuting, especially to travel short distances. Know your responsibility and act wisely when riding a 2 wheeler. Also, you should have 2 wheeler insurance so that there is no financial loss that you have to bear if you meet with an accident.

Click HERE to buy 2 wheeler insurance to keep your vehicle protected at all times.

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 is nothing as fascinating as travelling, which allows you to explore new and exciting places, meet new people, identify their culture, try diverse food, and discover local music.

As a traveller, you always want to have a travel experience that is hassle-free and free from any problems. The more problems you encounter on your trip, the less enjoyable it becomes. Tourist traps are one of the major issues that tourists face on their trips. Many scammers and fraudsters roam at these tourist places, trying to scam travellers. This can make your journey unpleasant and uncomfortable.

To avoid such a problem, you should always stay alert and follow certain things that will help you dodge tourist traps. The first layer of safety can be ensured by researching and investing in the best general insurance plans.

The tips and tricks to help you deal with tourist traps are as follows.

1. Blend in well:
You must not look or do the deeds of a tourist. This will make you stand out from the crowd. In this way, you're likely to fall prey to tourist traps. To avoid this, you need to blend well with your surroundings. If it is a new place that you have not visited earlier, do some research in advance. Be aware of the dressing style of the locales and dress accordingly. You should always dress in outfits to camouflage your surroundings and avoid unwanted attention.

2. Go local:
Instead of relying on your guidebook, go for a local option for dining in the city. The fancy and posh restaurants that your guidebook and brochure suggest are often too pricey and not up to the mark. They offer mediocre meals at high rates. You are likely to spend a fortune and then end up with nothing. Hence, it is recommended that you dine locally at cafes and restaurants. Explore nearby areas and discover hidden gems that will satiate your taste buds.

3. Go during off-season:
Although the tourist season is attractive, it has its set of worries. It will leave you with more headaches than you can fathom. From spending more money to getting bad deals, the prime holiday season is a waste of time. If you want to explore a place in peace, then go during the off-season. You will also be saved from tourist traps!

4. Use public transport:
Instead of opting for cabs or taxis, take the train, subway, or bus. You are likely to avoid tourist traps this way. It will also ensure you save a ton of money when taking the bus. If it is possible, walk to nearby distances. There's nothing as fascinating as exploring a city on foot.

5. Don't trust strangers:
When you're in a new city, a large number of people will want to interact with you. They will offer to take your luggage, give you directions, or even offer you a taxi or auto ride. However, you need to be extremely careful in such situations. It is often advised not to interact with such people as they're always looking for a chance to earn more money from fellow tourists. They can also charge a hefty fee for their services or even run away with your luggage in worse cases.

With this being said, you must take all the possible measures when you travel to a new place. You can easily fall into a tourist trap and lose your money and belongings. As a traveller, you would always want to carry good memories rather than stress when you head home from a destination. Invest in the best general insurance plans in advance to avoid problems during your trip.

Click HERE to buy the best general insurance plans and protect yourself while travelling.

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.