GENERAL INSURANCE BLOG

The idea of moving into a new home is exciting, but the process of it can be hectic. Even finding a good apartment in the desired locality within your budget is a struggle.

Packing and moving all your things is a challenging task; you need to ensure that you change your address in all places, cancel utility services at your old house, and much more.

But the whole process becomes easier when you organize and maintain a checklist for all the tasks.

Staying on schedule will help you calmly move into your new house, and it will even give you time to make any last-minute changes.

Time becomes more precious as the moving date approaches, so we have made the checklist that will speed things up for you.

1. One month before:

● Look for moving companies and get an estimate quote from them.

● Start selling items you would not take with you.

● Make a list of items you need to buy for your new house.

● Schedule a pickup for items you are donating.

● Find a new doctor, dentist, and veterinarian in your new locality.

● Enroll your children in a new school.

● You should purchase online general insurance before moving into your new house.

● Check whether your new house requires any repair work.

2. When you decide on a moving date:

● Finalize a moving company.

● Take leave from work for moving and unpacking.

● Schedule an installation for electronics like television, air conditioner, geyser, and internet connection.

● Cancel utility accounts at your old home and set them up at a new house (utilities like water, electricity, and gas)

● Make a list of all the items you’ll be packing, from your television to your bathing bucket, don’t skip anything.

● Start packing your items into boxes and use tapes and bubble wraps to avoid any damage.

● Update your address to:

○ Your office

○ All important documents – Aadhar card, Driving license, Passport

○ Institutions like schools or colleges

○ Subscriptions

○ Friends and family

○ Financial accounts like a bank, retirement accounts, student loans

● Mail or call your insurance agent to change your address. You can also go to your online general insurance website and do the procedures to change the address.

3. One week before:

● Clear your refrigerator. Eat or toss the food in your kitchen.

● Confirm the details with the moving company.

● Stock your medications.

● Prepare a bag with everything you will need before you unpack.

● You will need a few toiletries, blankets, and mattresses for the first few days until you settle fully.

● Check everything thoroughly before you finally leave your old home, and verify your checklist to confirm that all the boxes are loaded in the truck.

4. After you move and settle in:

● Change all your locks and set up a security system.

● Check if all the packed boxes are in place and nothing should be missing.

● Arrange all the things properly to their desired places.

● Get your security deposit from your previous landlord.

● Open a new bank account if your current bank doesn't have a branch in your new locality.

● Create a home maintenance list.

Now you have a clear idea of how to go about your moving process. Use this checklist to avoid any mistakes during your move, and another essential thing to do is greet your new neighbours. They can help you out with a lot of stuff. Also, don't forget to throw a housewarming party and invite your friends, family, and new neighbours over. It will be a great motivation not to delay unpacking.

To get the best quotes for a home insurance policy, click HERE .

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

Maintaining good health is everyone's goal. But just going to the gym won't help you or add more years to your life. So, here are a few habits to integrate into your life to feel healthier and happier:

1. Drinking water as soon as you wake up can be the best health advice anyone can give you. Keep a glass of water on your nightstand to hydrate your body in the morning.

2. Drink green tea; it helps to break down fat and prevents new fat cells.

3. Do not use artificial sweeteners, they may be tempting in your coffee, but they don’t do any good to your body.

4. Plan your workout schedule ahead of time. If you've already paid for a class, you're more likely to attend it. Also, scheduling your sessions with a trainer will help you stick to your routine.

5. Miss your late-night binge-watching sessions and get proper sleep if you want to stay fit and be ready for another challenging day.

6. Avoid emotional eating. It is a fact that boredom and stress trigger unhealthy cravings, so stick to a healthy diet.

7. Be active besides your routine gym. Regularly take walks during lunch, play outdoor games, and go for activities like trekking.

8. Do not forget snacks. It keeps your metabolism high and keeps your hunger and energy levels steady throughout the day. But healthy snacks and not junk.

9. Control your sugar intake; treating yourself sometimes with a dessert is good but having desserts all the time is not a smart option.

10. Walk! To avoid being a sedentary person, you need to take at least 10,000 steps a day.

11. Stick to homemade food; though you might not like your cooking skills, you will surely love the feeling of being healthy.

12. Be in the company of people who prioritize their health. Hanging out with like-minded people helps you stick to your goal.

13. Eat until you are no longer feel hungry, not until you feel filled up. The habit of overeating also makes you feel sick.

14. At one of your meals, double your veggies and skip the starch. For example, you can replace rice with broccoli.

15. Do not multitask during your lunch. Instead, be mindful during eating! It will help you feel satisfied with your lunch and be more in control of your appetite.

16. Know your energy patterns. Do tasks that require concentration in the morning when you feel fresh and save tasks like checking your mail for post-lunch when your focus is low.

17. Journaling helps both your mental and physical health. Just reflecting on your day and writing down your random thoughts will help your mind relax. Plus, you can track your habits, sketch your plans, etc.

18. Socialize. Make connections with people who generally remain happy and empower your success. Humans are social creatures who thrive on healthy, loving interactions.

19. Adopt a pet. When you are accountable for another life, you learn to be responsible for yours too. You start to manage your time, and a pet can be a great source of joy in your life.

20. Be close to nature, make regular visits to the park, and meditate or settle down under a tree early in the morning.

21. Laugh! At a stand-up comedy, while watching your favourite TV shows, or when joking with your friends. Laughter boosts your mood and improves your immune system.

So, try these simple, easy-to-remember golden points for a healthy and stress-free life. But we have one more crucial point that can be an additional stress reliever – a health insurance policy. Yes, health insurance is essential to safeguard your family and have a financial backup in times of medical emergencies. With things getting online, search "best health insurance policy in India" and various options will flood your screen. Stay wise, stay fit!

To learn more about best health insurance policy in India, click HERE .

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

Only because you made it home “safely” does not make drunk driving a good choice. People usually tend to neglect the severity of driving under the influence of alcohol. When you decide to drive home in a drunken state, you endanger your own life and the lives of people around you on the road.

Regardless of your driving skills, mixing driving with alcohol can put you at a higher risk of causing an accident, injury, or even death.

In India, statistics say that the cases of drink and drive are on larger sides. As a result, we hear news of accidents, unfortunate deaths of people on roads, and damages to vehicles. The only solution is to avoid driving when drunk.

Here, let’s have a look at the consequences of driving under alcohol influence.

1. Lack of coordination and slowed reflexes:
When you consume alcohol, your body starts reacting to events slowly. Because you won’t be able to respond immediately, the chances of an accident increases. While under the influence of alcohol, your motor control, such as hand, eyes, and foot coordination will slow down. These coordination abilities are vital for safe driving, and alcohol should not hinder them.

2. Increased chances of getting into an accident:
A driver with a BAC (blood alcohol content) of 0.10 percent or above is seven times more likely to be involved in a fatal car accident than a sober driver. A driver with a BAC of 0.15 percent or above increases their risk by 25 times. And, while these figures demonstrate the dangers of drunk driving, being at or below the legal limit does not indicate you are safe.

3. Disturbed vision:
Drinking may cause your vision to blur or cause your eyes to manoeuvre on their own. You will even partially lose control over your eye movement. This vision impairment can influence how you’re able to judge the space between your car and other vehicles or objects on the road. You may even lose your visual modality, which plays a crucial role in safe driving. In general, the more you’ve had to drink, the more impaired your vision could be.

4. Poor decision making:
Even a small amount of alcohol can impair your judgment and concentration. Driving requires so much of your undivided attention that it isn’t worth the risk. You must be able to stay in your lane, control your speed, give other drivers adequate space and attention, and obey traffic signals. Because alcohol affects your attention, it dramatically increases your chances of being involved in an accident.

5. Your insurance premiums may rise:
Your driving risk partly determines your insurance premiums. For example, a person convicted of drunk driving will have to pay higher car insurance premiums. This is because the insurance company will most certainly classify that person as a high-risk driver and increases your private car insurance as a result.

Overall, the risks of drinking and driving significantly outweigh the benefit of hoping to arrive home safely. Even when sober, driving a car is challenging in our country. You need to understand that you all have a family back home, be responsible and take care of yourselves. For additional protection, make sure you take the appropriate decision and invest in private car insurance.

To look for private car insurance, click HERE .

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

“Music is the soundtrack of your life” – Dick Clark.
It is unimaginable to have a life without music and the ability to enjoy it. For most of us, music has been a medium that helps us navigate through the daily hustle of our lives. Few of us are blessed with singing ability, while the others are not.

Irrespective of whether we know or don’t know singing, we enjoy it in our solitude limited to our bathrooms or bedrooms. In this article, we will discuss a few ways to improve this craft and support your singing voice while being in the comfort of your home.

1. Warm-up:
People commonly discuss the importance of warming up for a sports activity but conveniently forget the importance of the same during singing. There are various ways to warm up your vocal cords to prepare before singing. Various jaw and muscle exercises such as blowing through your lips and sticking out the tongue can go a long way.
Another way to warm up your vocal cord is by humming tunes. Indian classical musicians use “sa re ga ma”. Using different variations of these notes is an excellent way to practice pitch and voice modulation.

2. Hydrate yourself:
If you are confused about what to drink before the event, then your answer is water. Drinking lukewarm water during rehearsals helps lubricate your vocal cords. Hydrated vocal cords ensure that you put forward your best performance. Another great alternative is herbal tea which has plenty of health benefits for your throat.

3. Take breaks:
Like any other activity, your vocal cords need rest as well. Over exerting your voice can lead to cracks, soreness, and itchiness that can tear your voice while performing. This can also lead to allergies and also aggravate any pre-existing problem. Hence you must avoid practicing on the day of the event. However, if it is mandatory, try not to strain your voice. Instead, try humming.

4. Avoid harmful substances:
Cold and aerated drinks should be avoided entirely for the good health of your vocal cords, as the high content of sugar in aerated drinks are harmful to your vocal cords. Smoking is highly detrimental to your vocal health and can lead to long term damage. When you smoke, you are subjecting your vocal cords to toxic materials—everything you breathe in passes through your throat, which can lead to permanent damage.
You should also be mindful of carrying masks or scarves while travelling through a highly polluted environment. While drinking alcohol has no direct effect on your vocal cord, it is dehydrating and inflammatory, hence not advisable for singers.

5. Do not sing if it hurts:
If you feel a strain on your throat, it is best to avoid singing. Straining your vocal cord can be devastating and can cause cysts in the long run. It is best to give your throat the rest that it needs. However, if the problem persists, visit your doctor.

6. Regular check-ups:
It is wise to visit your ENT specialist regularly. If you are experiencing any trouble, your doctor will examine the underlying problem. The doctor might suggest a few scans and medications that you can take for the speedy recovery of your throat.

These are a few ways to take care of your throat and your singing voice. As mentioned above, consider going to the doctor when you feel any kind of uneasiness associated with your throat. Avoid straining your vocal cords. If you are considering regular checkups, investing in health insurance will be a good idea as it will act as a safety net in case of any expense you might face during your treatment.

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.

At-home gatherings are now again in fashion post-pandemic. However, throwing a simple house party requires the right mindset, preparation, and skills to have an epic event. Make sure everyone will enjoy themselves if you're planning to host a dinner party, a modest birthday celebration, or any achievement.

Your gathering will be the party of the year if you follow these easy hosting recommendations.

1. Make a plan:
No matter how big or small, house parties are necessary to celebrate all of life's significant occasions. We've discovered from some of the event experts that preparation is half the pleasure. Prepare the invitee list in advance, deep clean your dining area or living room, and also remember to set up little sanitising stations throughout the gathering.

2. Decor objectives:
The house's decor would be the next thing to be played with. The cushions and upholstery can be changed to suit the occasion. As colour coordination is essential for tying the space together, you may use flowers to fill the day's mood. These simple and quick modifications give the impression that a lot of work was put into them.

3. Play quality music:
Party vibes are incomplete without happening music. Play fantastic playlists to keep the party going, whether it is an afternoon brunch with friends, a baby or bridal shower, or a holiday party. Keep the sound manageable so you can converse with your guests.

4. Proper lighting:
A well-lit space is needed every day, especially when you have company. Make sure all windows are open and provide plenty of natural light for a gathering during the day. In the evening, warm lighting creates a cosy atmosphere. The proper lighting transforms a room instantaneously, bringing out all of your home's lovely nooks and places.

5. Pay attention to the minor details:
Having additional closet space for jackets might be a simple example of this. These thoughtful additions will give guests the impression that you put a lot of consideration into this at-home party.

6. Absolute clarity:
First, ensure your environment is clutter-free, especially the hosting area. This advice is very relevant when young children are present because they frequently leave their playthings in impromptu locations throughout the house. Remember that a clean space feels airy, pleasant, and warm.

7. Understand your guests:
This is essential to mastering the art of entertaining at home. Understanding your visitors' preferences, dislikes, and ideas about what is most enjoyable is necessary. Take advantage of their preferences or encourage them to try new dishes you have prepared for the occasion.

8. Play games frequently:
A basic board game or a deck of cards should always be available if your party turns into a game event. At night's end, these essentials are impressive. Outstanding cuisine, good company, and extraordinary beverages are the ingredients of a successful party.

9. Ask for assistance:
You might want to appear to have it all together. We are here to tell you that just because you are having a party doesn't mean you have to do everything yourself. Invite your friends to bring wine, dessert, or other light fare food. A little aid can go a long way.

Nobody wants to feel tense during a party, dinner, or other function. Make everyone feel as though you are happy to have them there.

Also, a home is one of the most important investments you may strive to make throughout your life. However, you need to secure and protect this crucial life investment. House insurance India can help protect your home and your belongings against unanticipated events like burglaries, fires, floods, storms, and explosions. Buy the best house insurance India policy today, and always be prepared to celebrate good times at your dream home.

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.

Driving can be an overwhelming experience, at least when learning the basics of safe driving. While not difficult, it is a task that requires the presence of mind, effective judgement, and, most important of all, confidence. The more you know and the further you drive, the better driver you become.

Sitting in the driver's seat can be confusing initially, as various components are essential to the smooth functioning of a car, and it is impossible to know their importance and how to operate them instantly. While no manual can replace regular practice, you must brush up on the car's know-how to become a confident driver. Having complete knowledge of car features makes you enjoy driving your vehicle.

One such important section is the bonnet of your car. Located at the front of the car, lifting your bonnet will open up a whole new world. Most people need to learn about the components of a bonnet and the functioning of each part. While it may seem complicated, it is advised to know the basics of the workings of the machinery. Since breakdowns don't occur post-announcement, awareness of its working can resolve the breaking of your machinery.

You should also check under your bonnet regularly to avoid problems later. Also, you should buy car insurance in advance to avoid hassles later. Review the car insurance price in India before you invest in any.

For now, let's look at the basics of what lies under your bonnet.

1. Engine:
The engine is the most critical component located under your bonnet. The extensive working of the engine can be complicated. You don’t need to understand the work in detail. You just require to have a basic knowledge of the same. Here, the fuel consumed by your car is turned into power to run the vehicle. You should look for signs of wear and tear here. A professional inspection may help identify the same and point out any cause for concern. Frequently check for the level of different fluids like engine oil, coolant, etc., especially before planning a long trip.

2. Battery:
The batteries are surrounded by a protective shield and are easy to spot under your bonnet. The rectangular battery box has terminals on both ends, which are differently coloured. Red indicates a positive terminal, while black indicates a negative one.

3. Alternator:
Alternators are responsible for powering up the batteries, which keeps the car up and running. If it breaks down, it can lead to significant problems, including affecting the engine's functioning. The alternators resemble a wheel with slits on the side.

4. Radiator:
This is an essential component of the car that helps maintain the ideal temperature of the car engine. It regulates the temperature extensively. You should not interfere with the radiator much as it can be highly hazardous.

5. Engine coolant:
This fluid is responsible for keeping the engine's temperature in check and preventing it from overheating. You should check the fluid level regularly. It should lie between the minimum and maximum levels. You can easily spot the coolant tank upon opening the bonnet. The coolant should combine water and antifreeze.

Other important components that lie underneath include brake fluid, dipsticks, oil, crankshaft, belts, and cylinders. They have a distinct functioning of their own. You need to know the basics of the major components of your car's bonnet before you start driving a car. It always comes in handy, mainly when your car breaks down midway. You should also have suitable car insurance that protects it financially. However, before buying, you should know the car insurance price in India to understand various options and invest in the best one.

Click HERE to buy the best car insurance to protect your valuable asset.

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

Constipation is the most prevalent digestive condition and can affect people of all ages. It is often not indicative of anything dangerous, but it can certainly create discomfort and aggravation. It can occur due to various reasons, including a lack of fibre consumption, exercise, water intake, the use of certain drugs or pregnancy.

Prolonged constipation can be caused by various factors, including poor eating habits or a medical condition. Changing your habits or turning to over-the-counter medications might quickly alleviate occasional instances of constipation. You must buy health insurance online India to safeguard your health against troubles in an emergency.

Try some of these essential home remedies for constipation alleviation to see if they work for you.

1. Warm water:
Poor hydration is a typical cause of constipation, making it harder to expel hard stools from one's system. Therefore, increasing water consumption is the first and most straightforward cure for constipation.
You must drink lukewarm water as often as possible. If constipation is a recurring problem for you, make it a habit to drink at least one glass of lukewarm water in the morning.

2. Ginger:
Ginger is commonly used to enhance flavour, but it also has many health advantages. Being a prominent spice in every Indian kitchen, it is recognised for its natural laxative effects. Consumption of ginger aids in promoting bowel movement and the treatment of constipation. Drinking ginger tea or massaging your abdomen with ginger essential oil are some effective methods.

3. Fibre-rich foods:
Foods rich in fibre can provide instant relief and may even be beneficial in preventing constipation in the long run. Soluble fibre can aid in absorbing water and binding fatty acids. This results in the formation of a gel, which leads to softer stools.

4. Coffee:
Bowel movement can also be induced by the contraction of the abdominal muscles when drinking caffeinated beverages. To aid in the movement of the stool, drinking coffee can be helpful. One or two cups will readily alleviate constipation.

5. Lemon juice:
Lemons are naturally acidic and high in vitamin C and antioxidants. Constipation can be cured by drinking warm water with lemon juice, a common home remedy for the condition.
This helps remove waste products from the digestive tract and draws water into the intestines. Water helps soften stool and encourages bowel motions when the volume of water in the body increases.

6. Probiotic:
Probiotics are well-known to support maintaining a healthy digestive tract. They contain beneficial strains of bacteria such as Bifidobacterium and Lactobacillus, which help keep a healthy digestive system.
Natural probiotics can be found in various foods, including sauerkraut, yoghurt, and kefir, which are all readily available. Those who suffer from stomach troubles should use these remedies regularly.

7. Pineapple juice:
Besides being delicious, pineapple juice provides a long list of health advantages. Because it contains a digestive enzyme known as bromelain, it can help to relieve constipation, bloating, and stomach cramping.

Constipation may appear to be a minor condition, but it can harm your overall health and well-being if left untreated. It can also indicate an underlying condition and alert you before things worsen. Health ailments such as intestinal blockages, metabolic problems, pelvic prolapse, or even colon cancer can be the next stage of untreated and regular constipation. To keep yourself protected under the umbrella of health benefits, buy health insurance online India for a happy life.

Click HERE to buy 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.

Have you felt sick after eating a meal that comprises dairy products? This is a common condition that people suffer from, and the condition is called lactose intolerance. People with this condition cannot digest lactose, a type of sugar present in dairy products such as milk. It bars people from consuming a large variety of products since our country’s staple diet involves a large quantity of milk and other dairy products.

Over time, several alternative food products are introduced in the market for lactose-intolerant people. Those with the condition can use dairy-free products like soy milk, almond milk, and coconut milk while cooking to replace lactose-based products. However, even with new alternatives to dairy products, lactose intolerance has no cure and can only be managed by itself. You can only invest in reliable health insurance in India to secure your overall health in the future.

Even though undigested lactose is not severe, it can cause extreme discomfort, stomach cramps and intestinal pain, gas, and diarrhoea. Here are a few daily dietary tips that you can follow to manage your lactose intolerance better!

1. Avoid dairy-rich food products:
It is better to avoid consuming anything that can push your body over the edge. Avoid foods with high amounts of dairy content. The best method to follow is the 80/20 method. It involves having your diet composed of 80 per cent dairy-free food and 20 per cent dairy food.

2. Opt for reliable dairy-free products:
Opting for good quality dairy-free products can prevent you from developing symptoms of lactose intolerance. Many low-lactose and lactose-free products are available today and can enrich your daily diet without causing significant changes. Use almond milk or a dairy-free creamer for your coffee or low-lactose cheese for a burger.
While purchasing these products, you must ensure that they are FDA approved and authentic enough. Several products that claim to be dairy-free may not be completely free of lactose. As a trusting consumer, you may consume large quantities of these products and end up suffering from the symptoms anyway. Being a wise and knowledgeable consumer is critical when suffering from certain health conditions.

3. Choose yoghurt over milk:
Several lactose-intolerant people find yoghurt easier to digest than milk. Active cultures in yoghurt make it easier to digest lactose, which allows you to consume a rich source of protein without experiencing severe symptoms. A few spoons of plain Greek yoghurt can significantly improve your gut health.

4. Incorporate calcium and vitamin-D rich foods:
Being lactose-intolerant can cause significant calcium and vitamin D deficiency in your body. Your body needs a good amount of vitamin D to absorb calcium. You must ensure your diet has a well-rounded supply of these nutrients.
Include fish, almonds, green leafy vegetables, oranges, and tofu in your regular diet to ensure a stable intake of the calcium it needs. Eating eggs and salmon can back you up with enough vitamin D as well.

5. Try lactase supplements:
Several lactose-intolerant people take lactase supplements before consuming any dairy products. Lactase supplements can ensure you eat and drink lactose-rich dairy without suffering from any discomfort later. These supplements essentially help break down the complex lactose present in dairy while controlling the uncomfortable symptoms.

These few diet tips can help you enjoy a variety of foods without experiencing the discomfort of your condition. Even as there is no specific cure for lactose intolerance, controlling and managing it can go a long way in ensuring a comfortable and healthy life. Besides this, also remember to invest in comprehensive health insurance to safeguard your health against other ailments and concerns.

Click HERE to purchase 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.

Most of us have invested financially and emotionally in our automobiles, making them more than just a convenience. While cars are undoubtedly a long-term asset, the associated expenses can often amount to a large sum that many may hesitate to bear.

Apart from the regular fuel and maintenance, another necessary cost is your car insurance. Despite being mandated, many find loopholes to escape the law due to the rising cost of premiums annually. Instead of evading the process, find out why your car insurance premium is rising and whether you can manage it.

1. Vehicle inspection:
Your insurer may inspect the vehicle if there is a considerable lag between the policy expiry date and the intended policy renewal date, which may result in a higher insurance premium. You can prevent such costs by renewing your insurance on time as per the due date.

2. Brand and model:
The price of the car relies on its model, due to which different models have different premiums. A vehicle with a lower Insured Declared Value (IDV) will have a lower premium than one with a high IDV.

3. Advantage of NCB:
No-claim bonus is the primary element of a car insurance policy that lowers the premium and promotes careful driving. It rewards car owners for not filing a claim with a discount of up to 20% while renewing the policy. By applying the claims, you risk losing this advantage and could pay a more significant premium than necessary.

4. Driving habits:
Defaulting on laws, failing to use a seatbelt, etc., could get you into difficulty with law enforcement and your insurance company. If any traffic violation is made in your name, your premium will likely go up.

5. Purchasing insurance from the dealer in a hurry:
Explore various car insurance options and evaluate the offering, premium, and coverage to find the best option. A hastily purchased car insurance is a bigger expense than an asset. Additionally, dealers have a restricted area of competence, offer fewer options, and seek direct profits from the sale, so they may offer a policy that is more expensive than you need.

6. Claim history:
You may be a risky policyholder if you have a history of making frequent claims. Your profile might be deemed dangerous if your claim is denied due to factors like illegal vehicle use or involvement in filing fake insurance claims. As a result, you may be charged a more significant premium since the higher the risk, the higher the premium.

7. Vehicle and driver age:
The older the car and the younger the driver, the higher the premium. An older vehicle is more prone to wear and tear, and a novice or inexperienced driver needs to gain the knowledge of an experienced driver. You can lower your rate by choosing a zero Depreciation cover for your insurance plan.

8. Lack of awareness of deductible's effects:
An expense that the owner of the car bears when filing a claim is deductible or voluntary deduction. Making a proper deductible decision is crucial. If you are a seasoned driver who doesn't need to file claims frequently, you can select a greater deductible to lower your cost. However, if you leave it at zero, you will receive your entire claim payment but will have to pay a higher premium.

9. Locality analysis:
The insurer may raise the cost of insuring cars from a particular location if data indicates, for instance, that there has been a significant surge in flooding or car theft in your area.

A closer inspection is all it takes to identify why your car insurance premium increased, even if it may appear unclear initially. Some factors are uncontrollable, while others can be managed by a potential policyholder who has done his research. We encourage readers to check and compare car insurance prices online before purchasing a policy to avail themselves of the best offer.

Click HERE to buy reliable 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.

Wrist damage is one of the most frequent types of injuries among motorcyclists. While some may be caused due to collisions, some are caused due to general riding activities such as using the throttle for a prolonged time or during long bike rides.

However, not all wrist injuries require similar treatment. Some may need substantial surgery and numerous treatments to correct the problem, while others recover independently with little to no therapy. If not given appropriate care immediately after a collision, even relatively minor injuries can cause lifelong disabilities and an adversely impacted lifestyle. If you have recently suffered a wrist injury, keep these tips in mind to help you recover faster!

Also, it would be wise to invest in the personal accident and bike insurance online to cover allied costs of damages done to you and your bike due to an accident.

Why you should seriously consider aftercare for your healing wrist:
Wrists are an integral part of our daily movements. While an injury is enough of a setback, neglecting aftercare worsens the situation. Repeated strain due to bending and bearing weight on them can cause further inflammation and have severe consequences like tendonitis or carpal tunnel syndrome.

However, using the following tips regularly can aid in improving flexibility and easing the pain.

1. Stretching:
Place your palm perpendicular to the forearm by bending the wrist or using the help of a wall to maintain the position. Push back your fingers and hold for 15–30 seconds. Do the same by folding the wrist downwards such that the back of the hand is against the wall and holding for 30 seconds.

2. Extended wrist:
Targeting the wrist, hold a weighted object in your palm. A small bottle or jar serves as the best prop for this stretch. With your fingers cupped around the thing, twist your wrist upwards and backward at a total angle of up to 160 degrees. Start slow, as your movement is bound to be restricted and strained. As you get comfortable, increase the weight and range of motion.

3. Bent finger stretches:
Much like the first stretch, this starts by holding out your fingers splayed out. Bend them at the joints for five seconds. Start with two sets of five repetitions slowly to ease the strain on the nerves.

4. Rotations:
While it may seem impossible immediately post-injury, ease your way into doing this stretch. You may do this with additional weight. Rotate your wrist by focusing on your hand until discomfort sets in.

5. Increasing grip power:
Hold and squeeze a grip gadget or a rubber ball for 5-10 seconds each time. It is a comprehensive movement that helps improve overall flexibility.

Depending on your doctor's advice, avoid riding if your wrist is severely impacted. However, if your doctor approves your riding plans, here are some extra tips that may reduce the strain on your wrist.

1. Practise good posture:
Poor positioning when riding a bike can cause wrist pain. Your nerves and joints may become stressed if your wrists are constantly locked. Make sure your elbows are slightly bent to ease some of this pressure if you need to lean forward while riding your bike.

2. Use attachments on your handlebar:
Add cushioned or gel grips to absorb movement and eliminate handlebar vibrations. Weighted bar ends can help reduce hand fatigue by stabilising vibrations and movement. Also, ensure that you grip the bar with reasonable force.

3. Lock your throttle input:
For simple cruise control, install a throttle lock. It helps maintain speed without adjusting the throttle, reducing the strain on the wrist.

Injuries are an inevitable risk in life. While you cannot avoid them, you can prevent them by exercising caution. Similarly, the mandatory purchase of bike insurance online prudently covers the motorcyclist from shouldering the financial burden of theft and damages to a bike.

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.

Sprains are one of the most common injuries people encounter by suddenly hurting their wrist, ankle or body while performing daily tasks. It is mainly caused due to stretch or tear of ligaments, and it takes up to two weeks to completely heal from the internal wound and pain. There are various ways to heal your injuries faster and soothe the sprain, some of which we will be discussing in this article.

However, it is crucial to note that while most of these remedies are home remedies, it is best to consult a doctor who can help you choose the proper medication and treatment if the situation worsens. Since the injuries that cause sprains can also cause a fracture, the doctor might suggest you take some tests.

Choosing the best personal accident policy in India is a step that you must take to ensure the best treatment for yourself. Your insurer will cover your medical expenses and hospital bills under this insurance.

Now let us look at some ways in which you can ensure faster recovery of sprains.

1. RICE technique:
Sprains heal the fastest when treated to the RICE technique. Let’s understand what RICE means.

R – REST – Resting the affected area is crucial for faster healing.
I – ICE – Ice pack reduces the blood flow to the affected area and helps in reducing pain or swelling. Apply an ice pack for 20 minutes. Give it a break for 5 minutes and put it back on.
C – COMPRESSION – This helps stabilise the injured area and helps subside the swelling. Wrap a bandage snugly around the wound. Avoid tightly bandaging the area as it might obstruct the blood flow.
E – ELEVATION – Elevation prevents fluid accumulation in the joint. Try to elevate the affected area using a pillow while resting.

2. Heat therapy:
While it is advised to use ice bags immediately after the injury, once the swelling subsides, a hot water bag periodically on the affected area can help soothe the pain and aid in the faster healing of the injury. The heat increases blood flow and relaxes any strained muscles. Another good idea would be to alternate between heating pads and cooling packs.

3. Salt baths:
After a few days of the injury, introduce the affected area to a salt bath. Salt baths are known for their soothing properties. It helps in soothing sore muscles and reduces stiffness significantly, making the affected area mobile and functioning effectively.

4. Protect the injured area:
As you start the healing process, it is crucial not to put much weight or pressure on the affected area. Exerting the area can lead to further tears in the ligament or fracture. In the case of ankle sprains, it is best to avoid any sporting activity or heavy exercise for about two weeks.
You may use crepe bandages to provide external support to your ankles. Remember not to pack them tightly as it will prevent circulation. Similarly, in the case of wrist sprains, avoid lifting weights and use a crepe bandage, as mentioned above.

These are a few ways to give your sprain the care and time it requires to heal. Most of these steps are the aftercare suggested by doctors. However, you must go for a follow-up checkup. This way, you can rest assured that your injury is completely healed, and you can carry on with your daily activities.

In most cases, insurance companies help you go cashless during the treatment. Nevertheless, remember to keep the bills and reports handy for your insurer to verify details. Always go for the best personal accident policy in India for hassle-free insurance claims.

Click HERE for the best personal accident policy in India.

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

Whether you own a two-wheeler or a car, you should always ensure that you know everything about its maintenance and insurance. Getting insurance for your vehicle is of utmost importance. It protects your vehicle from severe damages by giving you compensation and solves third-party disputes.

However, just getting insurance for your vehicle is not enough. You also need to check out the various additional services offered by the insurance. This way, you can choose the most comprehensive insurance for your 2 wheeler. You must also inquire about all the essential terms relevant to your insurance. One such term is a constructive total loss. Although the term sounds complicated, it is not.

This article will help you to understand various aspects of a constructive total loss.

What is a constructive total loss?

You will likely file a claim for your 2 wheeler insurance only when your vehicle has suffered severe damages. Once you have filed a claim, the insurance company will inspect all the damages and reimburse the amount accordingly. Either you will get cashless compensation or money for the repairs. The damage is assessed well, and only compensation for the damages is provided.

If the vehicle is in dire need of minor repairs or servicing, the insurance company will reimburse that. It can also refund the amount for the replacement of bike parts. However, reimbursement only occurs after all the deductibles are assessed carefully. No matter the damage's severity, you will only get compensation up to the Insured Declared Value or IDV. You will not get any claim money that exceeds the IDV value.

There is also a major catch here. For instance, your two-wheeler undergoes irreversible damage. In such a case, the bike will be beyond repair. The insurance company can then declare it as a total loss. In other words, if the repair cost for the vehicle far exceeds its value, it results in total loss.

It is said that when the repair cost is more than 75% of the IDV, it is impossible to reimburse it. The constructive total loss takes place here.

Let's assume that your two-wheeler gets stolen. Then what will happen? In such a case, your insurance company will reimburse you for the IDV of your vehicle. The claim for theft of your bike will be treated as a total loss claim. The reimbursement amount will be sans the deductibles and depreciation.

How do you apply for a constructive total loss claim?

Now that you are familiar with constructive total loss let's look at the various steps to file a claim. They are:

● Go to the official website of your insurance company

● Look for the claims process tab or page

● You will see blanks to fill in your information

● Provide all the necessary information carefully

● After that is done, verify the self-inspection of your bike through the link sent to your mobile number

● A surveyor or inspector may be sent to get your vehicle inspected. Cooperate with them

● Once everything is done, you can submit all the required documents and forms

These easy steps can get you a total claim from the comfort of your home. You need to keep all these things in mind before you file a claim for your 2 wheeler insurance under constructive total loss. Once you give the correct information and abide by the guidelines, you can access the claim amount.

Click HERE to buy 2 wheeler insurance to protect your motorcycle from unexpected damages.

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

While the allopathic world is trying its best, home remedies have also proven very effective, especially in our Indian culture. Naturopathy is the alternative medicinal route to building antibodies, curing health issues, and catalysing the body's healing capabilities and defence mechanisms.

But, how well do you know about naturopathy? Are you aware of the positive effects naturopathy has on the human body? What precautions must you take while going down this route of alternative remedies? Don't worry. This blog has all the answers to your queries and more! Let's discuss naturopathy and its effectiveness for a healthy life.

What is naturopathy?
Naturopathy is a healthcare practise that brings science and nature under one umbrella. It relies on fundamental principles and natural remedies like sunlight, water, exercise, diet, and stress management. Naturopathy enhances the body's ability to regain excellent health without using allopathic or over-the-counter medicines.

What are the pillars of naturopathy?
The five crucial elements of naturopathy include - air, water, fire, earth, and ether. Naturopathy practitioners ensure that they direct your body and mind toward holistic development through hydrotherapy, sunray therapy, mud therapy, air therapy, and vacuum therapy. Naturopathic physicians are state-licenced medical professionals recognised as primary care providers (PCPs).

Following are a few ways in which naturopathy helps heal our bodies.

• The healing power of nature:
The study of naturopathy believes that the human body has a self-healing ability. Naturopathy helps enhance the body's capability to fight and ward off any issues by following a healthy diet, nutrition, regular exercise, and herbal medicines.

• Treat in entirety:
Naturopathy practitioners approach the human body entirely. They believe that human's overall health is composed of more than just physical health. While developing their treatments, naturopaths consider all these factors and establish the medications on a holistic level. While western medicine focuses on suppressing or treating the symptom, naturopathy focuses on restoring the body's health and curing the illness from its core.

• Complete focus on zero harm:
Naturopathy always prioritises treatment methodologies that cause no damage to the body and are non-invasive. While physicians believe in "doing whatever it takes," naturopathy has shown a reluctance to use drugs and methods that can put the human body under external distress. It uses only natural remedies and elements like air, water, earth, and herbs to perform the treatment.

• Identifying the cause:
Symptoms are not only the focus area in naturopathy. Naturopathy practitioners prioritise identifying and removing the cause, not just eliminating the symptoms. The reason helps them diagnose the underlying problem, which allows them to curate their medications and suggest treatment methods.

• Prevention is always the first step:
Naturopathy focuses on developing the body's strength and immunity to keep all diseases at bay. Naturopaths prioritise assessing the risks and provide suggestions through healthy eating habits, a sound sleep cycle, and practising meditation.

Yes, it is effective.
Naturopaths work in close connection with their counterparts to exchange ideas, research, and treatments for the betterment of their patients. Naturopathy can also be related to alternatives like ayurveda, homoeopathy, acupuncture, etc.

Naturopathy is covered under insurance.
Yes, naturopathy is insured by health insurance under AYUSH treatments. All the medical expenses involved in the naturopathy treatment, including access to AYUSH hospitals or day-care centres and in-patient hospitalisation costs, are covered. Also, you may save a considerable amount on your sum insured as the cost of AYUSH treatments is lower than that of allopathy.

These were a few benefits of naturopathy for a healthy life. Since we talked about health and its significance in our daily lives, you must ensure that you stay on top of your health insurance game for yourself and your loved ones. Did you check when you are due for your health insurance policy renewal? If not, hurry! You must ensure that your health insurance stays intact and updated to live your life without worrying about unforeseeable situations.

Click HERE to learn 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.

Safety technology is one of the most critical aspects to consider when purchasing a vehicle. For first-time buyers who want to know the importance of a vehicle's safety technology, it is a collection of intelligent technologies and devices built in the car to prevent collisions and ensure the safety of the passengers and the vehicle. Airbags are a common type of protective device present in all cars today.

Maintaining and abiding by all safety measures is essential to keep others and yourself safe. However, investing in trustworthy online car insurance can add an additional layer of protection to your vehicle.

With the car companies upgrading to the latest safety technologies, we must also understand their importance, especially airbags.

What are airbags?
Airbags are a type of supplemental restraint device (SRDs) whose main aim is to protect the individuals in the front seat from any injuries in case of a collision. When the car crashes, an electronic mechanism is triggered, and these airbags inflate with gas quickly. They are designed to instantly cushion and protect the driver upon impact and deflate soon after deployment. When airbags were introduced in 1951, most cars had this flexible fabric bag installed only to protect the driver. Today, most car models have it inbuilt for both the front occupants, the driver and the passenger. In 2021, the Central Government of India made passenger airbags mandatory for all vehicles to improve safety norms in the country.
Some car models only have airbags installed for the driver and the front-seat passenger. However, there are a few advanced models that have them installed in a way to protect the passengers in the back seat. While it is only mandatory to have airbags for the front passengers, cars that provide airbags for both back and front are the best to ensure maximum safety.

How effective are airbags?
Airbags are a crucial mechanism in your vehicle, and one cannot ignore their significance in improving the level of safety of your car.
An airbag comprises a thin nylon fabric bag, a set of inflators, and a sensor. It is designed to signal the inflators to blow up the nylon bags on detecting a collision. This mechanism goes a long way in avoiding severe facial, chest and head injuries.
While this device cannot stop or prevent a dangerous event like a road accident or car crash like other advanced safety technologies, it can protect the occupants from injuries and fatalities. The passengers are not only saved from the harsh impact of a collision but also avoid hitting any hard or sharp objects inside the car that can cause severe damage.
Several reports have confirmed that the rate of fatalities caused by dangerous accidents or collisions has significantly dropped, thanks to the safety devices including airbags. They can be most effective when the passengers are buckled-up and sit firmly in their seats.

To sum it up, drivers and passengers must always follow specific safety measures like wearing a seat belt, driving at a steady pace, adjusting the rearview and side mirrors for a clear vision, and not being distracted while driving. In addition to it, having a secure online car insurance can further cover the damages caused due to road accidents. So, before you purchase a new car, consider all safety technologies including the airbags for crucial cushioning for people during a crash.

Find the best car insurance India for your vehicle HERE .

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

As the owner and user of your vehicle, you need to understand the importance of cleaning your car regularly to save money and ensure that your vehicle is safe and hygienic for other passengers.

The vehicle's trunk can become the dirtiest place due to the stuff we put there. It could be the dust from the roller bags and carry-ons, stains from the fruits and vegetables, baby items, liquids, and more. So, it is essential to deep clean the trunk of your car to keep the atmosphere in the vehicle healthy and avoid any smells, decaying, and dust that could be harmful to the health of the people sitting inside.

This blog will teach you how to deep clean your car’s trunk. Without any further delay, let us get started!

1. Identify the suitable materials:
For deep cleaning, you need to identify the suitable materials you must use to ensure that it does not cause any adverse effects like bad odour, staining the carpet or the rag in the trunk, damaging the surface inside the trunk, etc. Removing the stains and cleaning the trunk is essential, but the right kinds of detergents, liquids, and cleaning cloth helps you make the process easier and show effective results.

2. Remove the lint:
You often store your furry coats, jackets, sweaters, trench coats, etc., in the trunk. Such clothes generally leave particular woollen shreds called lint on the surface of the trunk, which should be removed properly. If not, they tend to stick to interiors and lose their colour when they come in contact with chemicals in cleaning liquids, soaps, or detergents causing irremovable stains.

3. Vacuuming efficiently:
Deep cleaning involves cleaning the surfaces, the trunk, and the carpet-rolled interiors. However, do not stop just at the cleaning but also vacuum the trunk to get rid of those tiny pieces of paper, leaves from the vegetable stems, or fruit peels. Clean everything that is not easily visible to the naked eye while cleaning. The trunk of your car can be a complex surface to maintain if you do not deep clean regularly and follow the complete routine and methods.

4. Cleaning the carpet:
While the surfaces are supposed to be clean, do not just leave the carpet and vacuum it regularly. Occasionally, remove the carpet from the trunk and wash it well by shampooing and conditioning it. You need to dry it completely before putting it back in the trunk. Even a slightly wet carpet can cause damage by giving rise to bacteria, thus making it unhealthy and unhygienic for you and the people in your car.

Adding to this list, remember to clean the lid of your trunk. A dirty top of the trunk of your car might make your entire effort of deep cleaning your car’s trunk go to waste due to the dirt and dust sitting on it.

We hope you found this blog valuable and effective in maintaining cleanliness and pleasing odour inside your car. Moreover, it is always a good idea to get car insurance and protect your vehicle from any damages which might be caused during unfortunate circumstances. Explore your options and purchase the best car insurance India that optimally caters to your needs.

Click HERE to learn more about car 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.

Summers are here, and by now, you've probably made plans to detach from the routine life and plan an exotic vacation for the perfect summer. Overworking may lead to fatigue, stress, and significant health hazards. Taking a break is highly demanded by your body to unwind all the stress and rejuvenate to get back to work with a new positivity.

Whether you're flying across the nation or going on a road trip for a few days, there are a few travel essentials you should pick up before leaving your home. In today’s topic, we bring a helpful checklist of travel essentials that are a must to carry while planning a holiday this summer.

1. Sunscreen:
The scorching heat of summers invites tanning and burns that adversely affect the body. You should apply sunscreen before heading outside in the harsh sun. A sunscreen with an SPF35 or plus will block out around 95% of Ultraviolet radiation, which causes sunburns and raises the risk of skin cancer.

2. Hat and Sunglasses:
A hat will provide some relief from the heat by avoiding the direct contact of your head with the sunrays. Although a hat will provide some shade, it's also crucial to protect your eyes and ensure you carry your sunglasses.

3. Backpack:
One of the most pleasing aspects of an active holiday is the possibility of discovery. Invest in a good backpack to enjoy it. It should be light and with a waistband to relieve back pressure. We advise that you choose a rainproof rucksack with many safe and secure compartments.

4. Water bottle:
Hydration is crucial, especially in summers. We recommend getting a bottle with water level marking on it so that you can keep track of the amount of water you consume in a day. Regular sipping of water will help you stay active and keep your body engaged.

5. Comfortable clothes:
Most summer vacations are spent at the beach or poolside. Carry your swimwear and comfortable beachwear.

6. Footwear:
Flip flops are ideal in summers. Along with your flip flops, also carry a pair of hiking shoes. They will help you when you set out on a hike.

7. Quick-drying towel:
It's helpful to have a quick-drying towel to avoid soaking other things in your suitcase on the way home.

8. Dry-wet bag:
Separating wet and dry stuff is useful when on a summer vacation at the beachside. A bag with two separate compartments will do the job for you.

9. First aid kit:
There is always a risk of scrapes, bruises, bug bites, and even an upset stomach. It's usually a good idea to keep a modest first aid kit with the essentials. This contains bug repellent, bandages, essential medicines, antiseptics, pain relievers etc.

10. General Insurance:
General Insurance should always be on your checklist no matter where you go. It will protect your travel, and you can enjoy the vacation with complete peace of mind. Invest in the best general insurance India and be rest assured of a safe and memorable trip.

The best part about any vacation is to forget the worries of everyday life and be in the moment at your favourite beach or mountain resort. Summer is probably the best time for family vacations, and with the restrictions getting eased out, the opportunities for planning trips will increase.

Also, don’t forget to carry your masks and hand sanitizers wherever you go because the pandemic has not ended yet. Take all the necessary precautions and make the above essentials a part of your travel checklist to set off on an exciting, adventurous summer holiday.

Visit HERE to explore plans of general 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.

India faced the third wave of the COVID-19 pandemic in January 2022. During these two years of resilience, we have controlled the spread of the virus with effective public health protocols. National and state lockdowns, social distancing, and mandatory face masks have contained the infection rate. Last year, introducing the various COVID-19 vaccines tremendously helped build strong immunity against the deadly virus.

Vaccination against the COVID-19 virus has proved to be an essential tool in helping effectively manage the pandemic. Fully vaccinated people are relatively well-protected against a severe coronavirus infection, complications, and mortality. However, even effective vaccines become less viable over time. Intensive research suggests that vaccinations lose some of their power over time. It has been found that eventually receiving another vaccine shot after a few months can help highly boost the vaccine's effectiveness. This additional shot is called the booster shot.

Receiving both vaccine doses is the first and foremost integral step to building a strong enough immunity to control the infection rate. While the vaccines are deemed safe and effective, and everyone has been advised to get the jab at the earliest, several members of the Indian population have still not been vaccinated. Before considering the booster shot, the goal is to vaccinate the country's entire population to build herd immunity.

Here is some information to know before getting your booster shot:

1. The booster doses have been rolled out from Jan 10th, 2022. They will initially be administered to the front-line workers and adults aged 60 and above with comorbidities.

2. The booster is given 9 months or 39 weeks after administering the second dose of COVID Vaccine as per the guidelines.

3. The vaccine's side effects are reportedly similar to the previous doses, including fever, body and muscle pains, headache, pain, or swelling at the injection site.

4. Unlike other countries, Indians are advised to get the booster from the company as their previous vaccine doses and not mix any other. Citizens who have taken two shots of Covishield must take the Covishield booster shot only, and those who have taken Covaxin should go for the Covaxin booster shot. Do not take the alternate vaccine as it might create a complication.

5. The first two doses of the COVID-19 vaccine boost our body's immune system. With these shots, memory cells that remember the virus are produced to help in case of an infection. The number of these cells increases with the second dose and helps fight the infection.

When these memory cells are challenged with a booster, they induce a robust immune response. As a result, the booster shot produces more antibodies that have an increased potency to fight the virus.

While taking the vaccines is integral to stay safe from the virus, one must remain vigilant and follow the safety protocol. Vaccination alone is not enough to fight the pandemic and the constantly emerging variants. In these challenging times, prioritising health is paramount. Remember to renew health insurance online or simply contact your insurance company to ensure your safe future.

Apart from maintaining your health insurance, you must indulge in healthy activities like yoga and vigorously consume a nourishing diet to combat any health ailment or infection.

Click HERE to renew health insurance online.

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

The Government of India presented the union budget on 1st February 2023. It has provided incentives for the people to move from the old tax regime consisting of deductions and rebates to the new tax regime. This, in turn, will affect the insurance sector as well.

While there were a few surprises here and there, it has proposed a significant change by taxing maturity proceeds of insurance policies commanding an aggregate premium of over Rs.5 lakhs in a financial year. Such high premiums usually occur in the case of money-back insurance plans that require one-time premium payments or endowment plans.

Here are some of the key recommendations that would impact life insurance sector.

1. No change in Section 80C and 80D:
Insurance premium amounts paid for insuring the life of self, spouse, or child are presently eligible for deduction under Section 80C of the Income Tax Act up to Rs.1.5 lakhs per annum. This is irrespective of whether our child is minor or major, dependent or independent. Also, individuals, as well as Hindu Undivided Family (HUF), are both eligible for claiming this deduction.
Similarly, Section 80D allows a person to claim a deduction for health insurance premiums and expenses incurred towards preventive health check-ups for self, spouse, children, and even parents up to Rs.65000/- per annum, subject to certain conditions.
The budget of 2023 could have been better for the insurance sector of the limits under Sections 80C and 80D. The industry expected a raise in the limits under these sections to boost consumer savings and investment. However, these limits have been left untouched in the budget of 2023.

2. The choice between the old-tax regime and the new-tax regime:
Till now, there was an option to choose between the old-tax regime that allows for several deductions and rebates and the new tax regime that taxes your income at a flat rate. You could choose either of the two and enjoy the above deductions under Sections 80C and 80D by choosing the old-tax regime.
There has been a shift in policy in this regard in the budget of 2023. The new tax regime is the default setting for individuals, under which you cannot enjoy these rebates. If you still want to enjoy deductions under Sections 80C and 80D, you will have to choose the old-tax regime specifically.

3. Aggregate premium clause:
According to the budget of 2023, if the aggregate premium paid by an individual is over Rs.5 lakhs in a financial year starting 1st April 2023, he will have to pay tax on their maturity proceeds. However, if such a policyholder dies, the nominee's maturity proceeds will be tax-free.
Maturity proceeds or income from insurance policies having an aggregate premium of less than Rs.5 lakhs in a financial year will be exempted from taxation. However, the introduction of this clause may discourage consumers such as High-Net-worth individuals (HNIs) from buying big-ticket insurance products to save taxes. As a result, the revenues or top-line of the insurance companies are bound to suffer and go down.

The Insurance industry plays a vital role in the overall financial growth of the country, and as such, the sector is undoubtedly not very encouraged with the budget for 2023. There was a general expectation of an extension of the Rs.1.5 lakhs deductions allowed under Sections 80C and 80D, which still needs to be met. Moreover, taxing the maturity proceeds of policies commanding an aggregate premium of Rs.5 lakhs or more in a financial year will further dampen the sales of high-value insurance policies.

However, insurance buyers need not be worried as the prevalent deduction limit is still the same and has not gone down. Also, a very small percentage of Indians buy high-value insurance policies, and the changed clause is unlikely to affect most Indian residents. Online general insurance policies continue to offer the same ease, protection, and security, and individuals can continue to enjoy its benefits.

Click HERE to buy online general insurance plan to safeguard your valuable assets.

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.

Indian celebrities, cricket players, and business tycoons have all made headlines for driving fancy foreign cars that they brought into India. It takes time and is complicated to import a foreign car into India. But if someone is willing to put in the time and money, they can import their dream car by following the rules and going through the process.

In this article, we'll go through the steps involved in bringing a foreign car into India and some crucial rules you must abide by.

India has stricter regulations than other nations regarding the import of foreign cars. Foreign cars will be permitted to drive on Indian roads only if they meet all requirements.

Guidelines for importing a new car.
To import a new car, the following prerequisites must be satisfied:

● The car must be built or assembled outside of India.

● The car must be brand new in every way, and you can only import it from the nation where it was made. It cannot have been registered, leased, sold, or loaned before being imported into India.

● A right-hand driver's car is required.

● Kilometres, not miles, should be displayed on the speedometer.

● You can use only the naval docks in Mumbai, Chennai, and Kolkata to import cars. Therefore, you should use just one of these ports to transport the car to India.

Rules for importing a used car.
The procedures for importing a used car into India are complex and may take longer than expected. The rules are as follows:

● Imported used cars shouldn't have a manufacturing date older than three years.

● It must be a right-hand drive car.

● Kilometres, not miles, should be displayed on the speedometer.

● Again, only naval docks in Mumbai, Chennai, and Kolkata are allowed to transport the car to India.

● The car should be financed, leased, registered, or sold.

● It must have a roadworthiness certificate with a minimum 5-year validity.

Who is authorised to bring commercial cars into India?
You must meet additional requirements before you can import commercial cars into India. Because people can travel in passenger cars, SUVs, and jeeps that were imported, the rules for commercial cars are strict. The following are the profiles that can bring such cars into the country:

1. An NRI who last lived in India at least two years before the import and owned a car for at least a year.

2. Relatives, i.e., the legitimate heirs or successors of a person who passed away overseas and left a car in their care.

3. Individuals with physical disabilities.

4. Companies with foreign equity participation that are already operating in India.

5. International corporations with a presence in India.

6. Trusts that are legally established for religious, missionary, or charitable purposes in India and abide by the regulations established by the state or central government.

7. Any honorary consuls that the Indian government's Ministry of External Affairs recommends.

8. Any journalist who possesses an accreditation certificate issued by the Bureau of the Indian government's Ministry of Information and Broadcasting.

Things to take into account before bringing a car into India.
Before you start the time-consuming process of bringing a car into India, you need to think about a few essential things.

1. Import taxes on cars:
You might be required to pay an import duty of up to 116% of the car's CIF (cost, insurance, and freight) value.

2. Registration:
The closest RTO in India must register the car. The import tariff does not include the fees for registration and road tax. These fees vary based on the kind and price of the car.

Insurance is essential to drive your car in India legally. You can conveniently buy car insurance online to financially protect you from paying for damages caused by an accident or third-party liabilities. Your car insurance can offer financial security against collision, fire, or other unavoidable natural or man-made disasters.

Click HERE to buy car insurance online.

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

The Driving Licence (DL) and Registration Certificate (RC) are two crucial documents for any vehicle in the country. Without this, your vehicle is not registered under the law. It also means that you are not eligible to be a legal driver of your concerned vehicle.

When filing an insurance claim, you need to produce these two documents before your insurance company. They are crucial in determining your ownership details. However, many circumstances result in the loss of these documents. What will you do then? Will you lose the 2 wheeler insurance claim?

If you're looking for the answers to the questions above, this article is definitely for you.

What is an add-on for 2 wheeler insurance?
Many unforeseen circumstances can cause the theft, loss, or damage of your driver's licence and registration certificate. Although this nullifies your vehicle ownership under the law, certain factors can help you.

In situations like these, the Registration Certificate add-on or Loss of Licence comes to your rescue. It is an additional cover for your 2 wheeler insurance. Under this, you need to pay a higher interest rate or premium. The add-on ensures that you experience additional benefits as the owner of your vehicle and insurance.

You can easily buy the add-on when applying for your 2 wheeler insurance. It can be done both online and offline without any hassles. This add-on is extremely helpful in situations when you lose your Driving License or Registration Certificate. It ensures that you still get your insurance claim.

Benefits of add-on:

● It enables you to apply for an insurance claim without a driver's licence or RC

● You are entitled to receive monetary support in case your driving licence and registration certificate are lost or stolen

● It will serve as a helper when the claim is settled

● The add-on comes with a very partial increase in the insurance premium

What to do when DL or RC is lost or stolen?

If your Driver's Licence or Registration Certificate is stolen or lost, you need to do the following things immediately:

● Go to the police station and file a complaint about the theft

● Make sure to get a copy of the FIR with you

● Go to the nearest RTO office and file for a duplicate copy of your DL or RC. Attach the photocopy of the FIR along with the required documents

● Pay the given fees

● For a DL, you need to complete the biometric process as well

● The documents will be safely delivered to your address

What to do while filling an insurance claim without a DL or RC?

If you're filing an insurance claim for your 2 wheeler insurance, then you should:

● Make sure that you apply for the claim within the specified time

● Fill out the form with the correct information. Check it twice

● Gather all the required document

● Initiate the claim

● You should provide all the proofs if you have lost your DL and Registration Certificate. If you have an add-on, this process is all the easier

● Before applying for the claim, read all the terms and conditions carefully

These are the simple yet effective things you should remember while filling a 2 wheeler insurance claim if you misplace your licence and RC. However, always ensure that you keep all your important documents in the right place and prevent them from being lost or stolen. This can cause you great distress otherwise.

Click HERE to buy the best 2 wheeler insurance.

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