GENERAL INSURANCE BLOG

Cars are the most comfortable mode of commuting and road trips. Their design and features provide convenience to you both on a daily basis and also for a longer drive. Is your car your second home? If yes, then why not think of personalizing it with certain accessories or gadgets. If you choose the right accessories or gadgets, then they can make your time on the road more joyful.

This article shares some of the best accessories and gadgets that we recommend for your car.

1. Dash cams:

Dash cams are designed to capture astonishing, and bewildering moments during a car ride. Are you aware that Dash cams can save lives? Dash cams record your entire journey, covering the footage of the road as well as inside of your car. They are helpful at the time of accident investigation. Several advanced versions of Dash cams provide car protection that is one step ahead. In addition, they come with GPS that stands crucial to locate the car in case of severe accidents.

2. USB charger:

These days, there is nowhere you can go without a charged cell phone because your life depends on it! From work calls to booking hotels, travel tickets to even paying for food, you need your smartphone for it all. Therefore, it is advisable to own a USB charger capable of charging multiple devices at a time. In addition, car charges are handy products and provide immediate battery backup for your electronic devices during the journey.

3. Bluetooth speakers for music:

Even a short ride home is incomplete without some music. You wouldn't want to miss your favourite song playing on the radio during a drive. So it would be entirely ignorant if you do not have a good Bluetooth speaker. In the age of wireless technology, accessories like Bluetooth speakers are doing wonders. They come with specifications like better sound quality, on-the-go wireless connectivity, and hands-free operation. So get yourself one to enjoy the uninterrupted music during your drive.

4. Head-Up Display (HUD):

This gadget will make people fawn over your whole car as it gives futuristic and ultra-modern vibes. It projects the GPS on a transparent screen in front of you. Head-up displays are positioned on the dashboards so that the driver gets a clear view of vital data to see without disturbing the usual view angle. HUDs come with a navigation facility as well and make your car complete with satisfactory cruise control.

5. Rooftop Cargo:

While travelling, fitting all your luggage in your car's trunk can, at times, be difficult for you. Suddenly you realize that the insufficient boot space is a major issue as it cannot accomodate all your luggage. However, a cargo box for your vehicle will surely help you fit in your whole family's baggage for the next trip.

On a conclusive note, the modern and futuristic accessories make your driving experience more personalized and comfortable. You can also keep updating your old gadgets with newly added features.

Having said that, keep in mind your car insurance renewal remains an important priority. Always renew your car insurance to enjoy the benefits that it comes with, continuously.

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We all want our cars to stay forever sparkling and perfect, and we do everything in our capacity to keep them brand-new. Still, we cause some damage to the vehicles. It doesn't matter if you are an experienced driver or a learner; we all sometimes make mistakes as a result of particular bad habits.

These incorrect driving habits lead to unnecessary wear and tear to the vehicles and spending more money on repairs in the garage. To avoid it, we have shared 07 driving habits that you might need to look into immediately.

1. Not slowing down at potholes and speed breakers:
At least one-third of the damage to your cars occurs due to not slowing down over potholes and bumpers. It is not practically possible to avoid potholes everywhere you drive, so the least you can do is slow down.
Not slowing down on potholes can cause buckled wheels, lumps in the tyres, and even cracked alloys. The same goes for speed breakers; if you slow down on a speed breaker, you can avoid severe damage to the underside of your car and the exhaust system.

2. Continuing to drive your car at a low fuel level:
People fill up the tank when it reaches the 1/4 mark. At the same time, others push their cars to their limits. If you're the second type, you may be causing damage to your vehicle. When your fuel tank is nearly empty, the car will draw petrol from the very bottom. This may appear harmless, but the base is usually where all the toxins settle and concentrate, and if there is a significant build-up of impurities, it may clog your filters which might enter the engine.

3. Overloading your car:
We all have a habit of leaving something behind in the car, thinking it does not make a big difference. But all this extra load brings strain on your car’s brakes and suspension. Therefore, think twice before loading unnecessary luggage in the trailer next time. Plus, you will also form a habit of keeping your car clutter-free.

4. Smoking in the car:
Smoke from the cigarette makes your car stink. But the problem does not stop there. Over time, the particles from the smoke will mix with the car's material, leading to bad odour and discolouration of surfaces. This becomes tough to get rid of and will eventually deplete the value of your vehicle.

5. Revving your engine too soon in cold weather:
Revving your engine too soon will damage the engine's parts which are not yet lubricated with engine oil. Therefore, allow the engine to warm up properly before revving.

6. Applying brakes too late:
If you are habitual of harshly applying breaks at the last moment, it creates strain on the brake and makes the discs and pads wear out fast. Instead, maintain a steady speed and oversee the obstacles to avoid sudden and harsh braking.

7. Resting your hands on the gear stick:
Keeping your hand on the gear stick can be bad for the transmission because the constant pressure will cause it to wear out much faster.

Take a note of these driving habits that you might be doing unknowingly and keep your car safe from unnecessary damages. Another bad habit that may affect your car’s safety is neglecting your car insurance renewal. It is important to keep your car insurance renewal up-to-date and follow the above tips to keep your car looking and running great.

Click HERE to know more about the car 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.

Are you happy with your existing car insurance policy and making repeat purchases from the same insurer every year? Your busy work schedule doesn't allow you to squander on choosing a new insurance plan or an insurance company every time your car insurance renewal is due. Anyone would know that renewing an existing policy is far easier and uncomplicated than looking for a new insurance company each time.

But do you know that your insurer also offers a certain level of loyalty appreciation to their existing customers? Most insurance companies offer reward points to their "mini-marketers" for renewing their policies, as these customers act as their company's brand advocates. They provide loyalty benefits to prevent policyholders from switching to other companies with competitive premium rates.

This article will explain 3 significant advantages of opting same insurance company for a car insurance renewal.

1. No Claim Bonus (NCB): Do you know that you get rewarded for not claiming your insurance? That's true; you receive the No Claim Bonus (NCB) when you have had a previous policy and have not made any claims during the policy period. The insurance company gives you a discount on your insurance premium as a reward in the form of a No Claim Bonus (NCB).

2. Decrease in Deductibles – enjoy surprising discounts: Few insurance companies offer you a reduction in deductibles for sticking with them. Usually, multiple factors determine the amount of reduction, like the number of claims-free years you have accumulated in your plan. Even in some scenarios, the car insurers entirely wave off your deductible. Meaning you don't have to pay any deductible at the time of the accident. Though it doesn't help you save any premium, you undoubtedly get cost benefits when filing a claim.

3. Buying a new policy – is it necessary? There are many other costs to starting up a new policy. For example, most insurance companies charge new policy process fees and might require a down payment. In addition, keep in mind that you will also lose the benefits at the time of car insurance renewal if you switch to a new insurance company. Therefore, considering the expenses mentioned above, the overall process of changing your insurance company could prove to be much costlier than what you would have initially anticipated.

Whether staying or not with your car insurance company is a personal choice. However, it is also good to get an insurance quote from other companies to keep up with car insurance renewal and market trends. In addition, there are other things to consider like customer service and claim service that are important for your decision.

Loyalty will nurture the relationship between you and the insurance company that will be beneficial for the long run. If you are satisfied with your current insurance company on the above parameters, there is no need to go around checking out new companies and giving up your loyalty benefits.

So, as you prepare to hit the "renew" button, consider these valuable points to get the privileged customer badge from your car insurance company.

Check out the best insurance plans for your car. Click HERE...

For adventure seekers, biking trips across India have become more common than you would have imagined. Bike riders are known for their love of long, challenging excursions and trips. For any bike owner, going cross-country is always on the bucket list.

A long-distance bike ride will put your riding skills and your bike’s endurance to test, so it is suggested to prepare thoroughly. Before starting your journey, make sure you have insured your vehicle with valid bike insurance.

While you have shortlisted your destination, we have also made this list for you to look at quickly:

• Tip 1 – You should plan a budget to spend on the trip and try not to exploit it.

• Tip 2 – Do invest in safety gear like helmets, gloves, jackets, glasses, shoes, knee elbow guards, and so on. Also, ensure that everything you buy is certified and genuine. Your safety is paramount for a pleasant trip.

• Tip 3 – Schedule a bike servicing right before leaving for the journey. Facing issues midway is certainly something you would not want.

• Tip 4 – Learn how to ride for long hours and the highways. Just starting with your tour is not how it works. You will have to practice at least a month before you begin the trip because these long journeys are the actual test of your endurance.

• Tip 5 – While packing for the trip, do not forget the following: two-wheeler documents, PUC, your ID (preferably Aadhar card), a spare key for the bike, and bike insurance papers.

• Tip 6 – Pack light for the ride. Don’t end up carrying the unnecessary weight. Be smart and only pack the bare minimum.

• Tip 7 – Be prepared for unexpected changes in the weather. When travelling for a long distance, chances are very high that the climate will keep varying.

• Tip 8 – Stick to your schedule and try not to take any detours. Install a GPS device on your bike and carry a physical map, which helps you navigate your journey.

• Tip 9 – Avoid late-night rides. Starting early and ending early is the bikers’ motto. Riding late at night can be tiresome as well as risky.

• Tip 10 – Stop at regular intervals. In your spare time, let your bike cool down, inspect it, or take some time for refreshments before you set off again.

• Tip 11 – Plan up an itinerary. Set a time for daily rides, breaks, stay and follow it.

• Tip 12 – Don’t miss out on the fun. You may face difficulties, but everything about this trip will be worth it. So, enjoy the ride and give yourself a break from the daily hustle.

The most important tip out of all is to ensure bike insurance before travelling anywhere. Keeping your two-wheeler insured is a step towards security and should not be neglected.

Put in some effort and follow the above tips to create an unforgettable journey to cherish for yourself. Good memories make great stories, so pick your bike and don’t miss the opportunity to do something thrilling in life.

To look for bike insurance online, click HERE...