GENERAL INSURANCE BLOG

How can you make your car insurance foolproof? The intricacies of car insurance can be puzzling, but it is undoubtedly worth the effort. After purchasing a car, an intelligent person’s first thing is buying insurance, as one shouldn’t delay good deeds. Car insurance is just as valuable and necessary as health insurance. It is crucial to be secure financially once you get behind the wheel.

We bring you tips for making the right decision so that you select the best possible car insurance policy and enjoy stress-free driving:

1. Always review the policy cover yourself to make sure it fits your requirements. Do not go for the first deal suggested by your dealer or insurer.

2. Cut down the costs of any non-required benefits provided in the policy to get reduced premiums.

3. Search for additional discounts such as membership benefits or one-time payment discounts, etc.

4. Make a sensible move and go for higher deductibles. A higher deductible will make your annual premium cost lower than expected, leading to a profit.

5. Do not settle for the first policy that comes your way. Explore your options carefully, compare every selected choice and then opt for the best suited one.

6. Usually, if you get insurance for a single car, it ends up costing more. Getting insurance for two or more vehicles at a time will save you thousands. This is known as the multi-car discount or bulk rate in insurance.

7. Insurance companies may consider the credit ratings of a driver while evaluating the premium cost. Therefore, keeping your credit rating high is only going to be beneficial.

8. A Pay-as-You-Go policy is the best choice for people who drive efficiently. This policy tracks driving to calculate your annual discounts based on how well the car is driven. So this way, driving safely can now save you additional bucks.

9. Do not forget to claim your yearly bonuses such as NCB while renewing your car insurance policy.

10. To avoid inspections of your car from the insurance company, be punctual when it comes to renewing the insurance. Companies may conduct tests on the vehicle to ensure its performance if the policy is not renewed on time.

11. Installing a certified anti-theft device in your car will get your premium cost reduced by the company.

12. Your geographical area makes a difference in the premium of your policy. Two people using the same car model, the one living in an urban zone, will have to pay more than the other living in a rural area.

13. A company providing you with a Cashless option is of advantage since you will never have to worry about arranging cash every time you make a claim.

14. Avoid waiting for your policy to get issued. Instead, take advantage of the updated technology, go for insurance that is given in a short time and does not take months to issue the policy to the buyer.

15. Switch to online policy purchase mode as you get an additional discount for online insurance.

Were you able to draw productive outcomes from the above tips that we have stated? Although car insurance is a basic necessity in today’s life, it can sometimes be cumbersome to your pocket. If not chosen wisely, one may end up paying more than required. So be smart and stay safe by considering these tips when buying car insurance.

For more information on car insurance, click HERE...

Buying online motor insurance is growing into a trend. With the wide availability of many online insurance options, it takes just a few minutes to purchase an ideal 2 wheeler insurance online. The simplified processes help you with the best insurance policy for your two-wheeler instantly.

So, if you too own a two-wheeler and are planning to insure it online, below are the steps you need to follow.

1. Do the best research work:

To purchase an appropriate 2 wheeler insurance online, you need to have a basic understanding of how two-wheeler insurance works. You need to carefully study and compare the plans of different companies by taking their premium, settlement policy, and benefits into account. Familiarize yourself with terms like Insured Declared Value (IDV), Zero Depreciation, No Claim Bonus, Third-party Liabilities, and so on. This helps you to choose the best insurance plan for your vehicle.

2. Selection of a trustworthy insurance company:

Undeniably, selecting the best insurance company results in getting a perfect insurance plan. Always choose a reputed and recognized company. Also, keep track of the company’s sales pattern, settlement process, and after-sales customer support. You can even go for Third-Party 2 wheeler insurance online. Selecting an insurance company with a good customer base and effective customer support secures your vehicle against a wide range of hassles.

3. Look for the insurance plan that suits your requirements:

Once you have selected the best insurance companies, you need to check the various insurance policies listed on their website. Go through all the details of those plans, settle on the best plan that fits your requirements, and then enter your required details and share the necessary documents to buy it.

4. Set your two-wheeler’s IDV:

Post selecting your insurance plan, the next step will be entering the IDV of your two-wheeler. Basically, IDV represents the current value of your two-wheeler in the market. With time, IDV observes a downfall and affects the premium of your insurance. It can turn into the amount you can claim entirely from the insurance company if your two-wheeler faces damage or theft.

5. Pick the add-ons and proceed to payment:

Note that you can select add-ons only if you are investing in a comprehensive insurance plan. Add-ons like cover for Pillion Rider, Zero Depreciation are the best ways to boost the scope of your insurance policy. After successfully completing all the above steps, you are set to proceed to pay the policy premium online. Choose your mode of payment from the options available, make the payment, and soon you will receive the docket of your insurance policy on your email address as an acknowledgement. You can simply print this document to present as proof whenever requested.

Buying online insurance plans are increasingly replacing the conventional method of purchasing insurance policies through agents. These are fast and convenient options with many advantages like lower premium compared to their offline counterparts. Follow the trend that gives you complete control as you take a well-read decision based on terms and conditions shared by the insurance agencies online.

Have A Two-Wheeler But No Insurance? You Can Buy A 2 Wheeler Insurance Online Here.

Having a sound sleep after a long day of work is undoubtedly one of the best things for your well-being. Besides recharging your body for the next day’s schedule, a good rest has various health benefits that can help you live longer.

Having a balanced diet and working out for hours will surely improve your health. But sleep is just as important. Many of us have habits of watching late-night TV shows or busy surfing the internet, utterly unaware that sleep is the pillar of good health and a happy life.

Let us explain you the health benefits of getting proper sleep.

1. You are less likely to be overweight:
Research states that people who do not regularly follow a proper sleep routine are more likely to gain weight and develop obesity than people who get a good night’s sleep.

2. You consume less calories:
Poor sleep patterns can affect your food consumption. Evidence proves that getting good sleep can reduce your calorie intake during the day. This is because your sleep routine affects the hormones responsible for your appetite. The more you sleep, the more your hormones will be active to stay energetic throughout the day.

3. You will have a healthy heart:
Your blood pressure and heart rate go down at night, giving your heart a rest from all the work done during the day. Lack of sleep can adversely harm heart functioning and impact your blood pressure. On the other hand, good sleep can keep your heart healthy if you already suffer from heart disease.

4. You will have fewer risks of diabetes:
Getting good sleep is particularly important if you are at risk of developing diabetes or already have the condition. Sleeping less than the medically recommended hours can negatively affect blood sugar levels for both the short and long-term. For example, a study involving several healthy young men showed that sleeping 04 hours a day for 06 days straight caused signs of prediabetes.

5. You will prevent depression:
Scientists have concluded that there is a link between sleep deprivation and depression. Various studies have shown people with depression complain about their sleep quality. People suffering from sleep disorders, such as insomnia and obstructive sleep apnea, report higher rates of depression than others. So, to prevent stress off your mind, take adequate rest and sleep well.

6. You will have a stronger immune system:
Sleep significantly helps your immune system by enhancing immune cells known as T cells. T cells fight off intracellular pathogens, such as HIV, herpes, and cancer cells. Therefore, better sleep quality results in the better ability of your body to fight infections and illnesses.

7. You will experience reduced inflammation:
If you have chronic inflammation or are suddenly experiencing inflammation, the chances are that your sleep habits are to blame. As we have stated above, sleep regulates your immune system. Poor sleep can result in inflammation. Signs and effects of inflammation may not appear at first but may develop into long-term problems.

Sleeping for a short duration leads to bad health that invites heavy medical expenses. Healthcare isn’t getting cheaper, and you should be one step forward with your medical finances by getting a health insurance plan. This way, you can get access to medical facilities without putting yourself in a pool of financial debt. Get yourself covered with health insurance today for a better tomorrow.

Click HERE to get the details about various health insurance benefits for you and your family.

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

Does your physical appearance matter to you more than your health? If you consider so, you need to take a minute to understand why this thought needs to be corrected. Forty is the best time to take a deep breath, do a little introspection and say to yourself, "there are a few things I need to do to ensure that I stay healthy". Just because you feel you are in great shape does not mean your health should be left unsupervised.

People in their 40s need to upgrade their game by great leaps by evaluating their well-being and planning for the long run.

Wellness and health experts suggest these few general medical tests as a preventive measure for people over 40.

1. Blood pressure – keep stress away: High blood pressure or hypertension is also known as the silent killer since the patient does not experience its symptoms until very late. It increases the risks of a stroke and other heart as well as kidney-related diseases. Hence, you must check your blood pressure every six months to ensure that you do not suffer from hypertension.

2. Diabetes – an alarm for sugar lovers: Does sugar tempt you, and your taste buds crave to taste sweet regularly? The majority of people will relate to this, and it is pretty natural. But, excessive sugar intake leads to the risk of Diabetes. To eliminate conditions like Diabetes, keeping your blood sugar level in check is essential. A simple blood test can keep you away from numerous risks like heart attack, stroke and kidney problems. So, keep a record of your blood sugar level regularly.

3. Eye and Dental exam – have a clear vision: Regular eye and dental check-ups are just as important as any other medical check-ups. Spectacles do look cool, but why make our eyes suffer? An eye check-up to ensure the best vision is essential to bless our eyes with a long life. Similarly, dental visits to keep your teeth from decaying are equally necessary to keep your teeth in good shape. Indeed your smile complements your personality and leaves an impactful first impression.

4. Mammogram – a wise thing to do: A mammogram or breast cancer screening should be practised every year or two for women in their 40s. Mammograms immensely reduce the risk of breast cancer, saving many women's lives by making a substantial difference. There is a strong message for women: spare time for your health and take care of your body. Your body demands your attention, and never overlook even a minute hint that your body gives you.

5. Health insurance tests: Recently, many health insurance companies ask you to go through several tests before issuing a policy to clients over 40 years old. This requirement has proven to be an intelligent choice for both the client and the company. Buying an appropriate health insurance cover post 40 will be the best gift you can ever give to yourself.

In your 40s, you discover considerable life changes as you feel more in charge of your life. So instead of allowing your 40-phobia to get in, turn it into an elegant transition. This is the time when you need to be careful and alert.

What do all the above signify about planning your health routine after turning 40? Regular medical check-ups and signing up for health insurance should be a top priority to lead a healthy life. Simply getting medical tests done is not enough. If tests can help you prevent serious health ailments, health insurance will safeguard all your health expenses.

To know more about buying health insurance, click HERE...

Your car's routine maintenance is key to saving time and money and keeping it in the best condition. But can you maintain your vehicle by yourself? If you have the right knowledge and the right tools, you can definitely maintain your car in perfect condition. Besides, every car owner wants to keep the vehicle protected from a possible risk of breakdown, accident, or theft. To ensure that, you can have online car insurance for the financial immunization of your car.

Now, let's have a quick look at a few ways that help your vehicle perform smoothly.

1. Hydraulic jack makes things easy: Hydraulic jack is a tool that should always be available in your car, especially if you are off for a long trip. A jack makes it convenient to lift the vehicle at a certain angle so that you can go underneath the car to do a check and do the repairs. The use of hydraulics in jacks eliminates human workload by applying hydraulic pressure to lift the vehicle. Plus, it is so compact and handy that it can easily fit in your car’s luggage boot. If you are working on a slope, you should apply the handbrake and place a big stone or a brick to prevent the vehicle from moving downwards.

2. Carry an entire set of screwdrivers:

The screwdrivers impart an ideal driving force to handle the screws and rip open specific parts. The set of screwdrivers comes with a bunch of drivers of varying sizes and front tips. You can choose any one appropriate screwdriver that can efficiently operate the screw you want to handle.

3. Set of sockets for the nuts and bolts:

Manoeuvring the nuts and bolts with convenience can be effortless, thanks to the sockets. If you have a perfect set of sockets of all different sizes, then repairing the car will not be a mammoth task. You just need to examine the nuts and bolts and accordingly pick one socket, that’s it! For more ease, use a ratchet that matches your sockets.

4. A wrench set can get your job done:

Wrench sets come into two variations, the first one is the metric wrench, and the other is the standard wrench. The metric wrenches are perfect for doing all the essential maintenance work. The standard wrenches capitalize on the situation by fixing the issues that cannot be addressed using the metric wrenches. It is preferable to use electronic or cordless impact guns for better utility. Automatic impact wrenches reduce the mechanical effort hence saving energy and time.

5. Don’t forget to buy an ideal insurance plan:

For long-term benefits, investing in comprehensive car insurance is necessary for your car. To make the entire process of comparing and buying insurances easier, you can buy online car insurance that fits your requirements.

The above set of tools should always be part of your car’s maintenance regime. With the help of these tools, you can perform many simple maintenance tasks yourself and quickly repair your car.

Want To Know About The Best Online Car Insurance? Get In Touch Today To Get Affordable Online Car Insurance.

Fear is a powerful emotion that affects us in different ways. We all have been in a situation where we feel our heart racing, body sweating, and sometimes, even zoned out when anxiety starts kicking in. Unfortunately, many people ignore anxiety because it is not a “physical” illness. However, severe anxiety can impact a person’s ability to perform day-to-day tasks in the long run.

Diminutive yet powerful lifestyle changes can help in effective anxiety management. Many experts and professionals recommend a lifestyle-changing approach to tackle anxiety. In this space, we will focus on some of the best lifestyle changes to give you relief from the constant anxious feeling.

1. The shift towards a healthy diet:
Your brain needs sufficient nutrients to function properly. Lack of a healthy diet or nutrients can affect neurotransmitter production, triggering your anxiety symptoms. Therefore, switch to healthy food, including vegetables, protein, calcium, and vitamins. Furthermore, quit too many sweets and stay away from caffeine. Studies reveal that too much caffeine can trigger anxiety and worsen the symptoms.

2. Get involved in physical activities:
Professionals reveal that even a few minutes of exercise or physical activity a day can relieve anxiety symptoms and elevate your mood by releasing serotonin and endorphins in your brain. You don’t necessarily need to join a gym. You can start by taking a short walk, jogging, yoga, or basic exercises at home. In addition, you can also practice breathing exercises and sports activities, including swimming, dancing, or more.

3. Get sufficient sleep:
The importance of adequate sleep is well-known, and it indirectly impacts your mental health. An adult needs at least eight hours of daily sleep for healthy brain functioning. Contrarily, lack of sleep can affect your mood and trigger your anxiety.

4. Avoid or limit your alcohol intake:
Many people rely on alcohol to feel better. While it may please you in the heat of the moment, the after-effects of alcohol can aggravate your symptoms, making you highly vulnerable. Sometimes, “just a drink” can make you feel on edge the next day and disturb your sleeping cycle. If possible, stay away from alcohol, or limit your intake.

5. Keep an eye on your thoughts and emotions:
Feeling helpless, self-doubting, or having a negative attitude can impact the production of neurotransmitters in your body. Constantly indulging in negative thoughts and emotions can worsen your anxiety and even make you depressed. It also affects your immune system, making it worse for your physical health and inviting unwanted illness.

6. Don’t isolate yourself:
Being social can make you feel less lonely and elevate your mood, leading to a better social life. Keeping in regular touch with your friends, family, and loved ones will help you deal with anxiety as they can offer support and realistic approaches to managing your stress. Anxiety can sometimes make you withdraw socially, so try socializing with your friends, join a group or classes that you enjoy, sign up for a volunteering project, and more.

Anxiety can shake up your world inside out. When it starts making you physically weak, immediately contact your doctor to diagnose any physical conditions you are suffering from. The last two years have already been a stressful ride for all of us, and you don’t want to burden yourself with hefty medical bills. Therefore, having online health insurance can ease your pocket and give a sigh of relief. On your way to ensure your well-being, health insurance protection can help to go the extra mile.

Click HERE to get the best deals on 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.

After your home, automobiles are probably the second most valuable assets you possess. Automobiles are machines, and they'll undergo wear and tear with time, demanding a proper service at regular intervals.

It's only natural that you'd want to locate a mechanic who would adequately care for your car while keeping your best interests in mind. Here as we are talking about maintenance and safety features of your vehicle, so doubly ensure by dealing with only experienced mechanic or repair workshops.

There are hundreds of mechanics available in your vicinity, and making the right choice isn't always straightforward. So, let's have a look at some questions to ask when selecting a mechanic to ensure you receive the most satisfactory job for your vehicle.

Is the mechanic certified? Car manufacturers or other reputed training institutes certify some technicians to work on specific types of vehicles. If a technician gets a proper certification, it implies they've completed necessary exams and are knowledgeable about the various brands of cars. Therefore, it's always best to go for certified mechanics as you won't agree to hand over your priceless possession to an amateur person.

What is mechanic's reputation in the market? Make sure to look over the mechanic's reputation. Find out how good their service is by checking their website or any other trusted online forum for reviews. Also, ask around your petrolhead friends for inputs. A reputable mechanic will always give you better service than the competition.

What are their charges? Nobody wishes to pay an arm and a leg to get their automobile serviced. It might be challenging to locate a skilled mechanic who isn't overly expensive, but it is doable. Look for certified and self-employed mechanics who run their businesses since they are generally the most economical. If you have good car insurance coverage, it will be easier for you to pay the fees of a mechanic as most of the excellent insurance coverages offer an add-on for car servicing and repairs.

What guarantee do they offer on the repaired parts? Although many technicians provide a guarantee or warranty on their services, some do not. If possible, choose a mechanic that gives a warranty; otherwise, you will face difficulty if the problem reappears.

How convenient is to reach the garage from your place? Having a mechanic close to your workplace or home is both handy and cost-effective. It helps you save money by removing the need to travel long distances and makes it easier to monitor the progress of the repairs. You may also swiftly return to the workshop for any extra service, if necessary.

Are they good at communicating? Speak with potential mechanics and observe their approach when dealing with you. If they have time to sit down with you and explain things or go over what's wrong with your automobile, there's a good likelihood they'll take the necessary time while servicing it. If they don't have time to talk with you, on the other hand, there's a strong possibility they'll speed through the work and overlook minor things that can have significant consequences later.

Final thought: A skilled mechanic will play an essential part in keeping your automobile in good working condition and serving you for an extended period. As you look for the perfect mechanic for your car, don't forget to pair it with reliable car insurance to help you cover your repairing cost at the garage.

Click HERE to know about the best car insurance coverages…

Life is full of turns and twists, making it thrilling and happening, but every turn comes with a different experience that can sometimes set you back. No one can predict what the future holds, but we can secure it.

Under the umbrella of the General Insurance sector in India, several insurance plans protect our assets from all aspects of unexpected risks. These plans provide us with a financial cover for valuable assets like a car, motorbike, house, etc., against an economic loss caused by unforeseen events like accidents, theft, burglary, natural calamities, etc.

We will see the preliminaries one should know about General Insurance and why one should choose it.

Why do you need General Insurance? Your priority is your safety, followed by the avoidance of any mess. But at times, you may experience unexpected losses that you are entirely unaware of. In such cases, insurance is your best friend. A good coverage plan from a reputed general insurance company can act as your assistant in covering economic losses which otherwise would be heavy on your pockets.

Advantages of having general insurance:

• In the event of an emergency, insurance will be your financial protection. It will repay you for the losses and expenses you had and keep the load off your wallet.

• Some insurance policies are mandatory by law. E.g., in India, a motor insurance policy is mandated under the Motor Vehicles Act of 1988. When you purchase such policies, you fulfil a legal responsibility by avoiding violations.

• Tax advantages are available with health insurance policies, which are a form of general insurance plan. Premium paid for such schemes are deductible under Section 80D. Such a type of deduction reduces taxable income, lessens your burden, and allows you to reserve some money.

Types of General Insurance in India:

1. Health Insurance: Health insurance plans provide you with a double bonanza by securing your health and wealth at the same time. It covers all the medical expenditures incurred during accidents, illness, or injury, including hospitalisation fees, doctor consultation fees, or medicines costs. One can pay it monthly or annually, depending on their convenience.

2. Motor Insurance: Motor insurance coverage financially secures your vehicles from any potential risks. The policyholder's two-wheeler or car is subjected to compensation against damages caused by accidents or any other dangers.

3. Property Insurance: Property insurance can protect your property against any risks or damages to it, such as theft, burglary/housebreaking, fire or damages due to natural calamities.

4. Travel Insurance: Travel insurance provides you with compensation for financial losses due to flight cancellation, trip interruption, delays, baggage loss, or any mishap during your trip.

Required document while buying General Insurance:

- Proposal form of the policy

- Identity card, Age proof, and Address proof

- Passport size photographs

- Documents of the assets that are to be covered

- Other supportive documents that the company may ask

When should I buy insurance? The answer, in most cases, will be a resounding "now". It protects your life, family or assets for a specified period, as long you pay timely premiums. So whether you are an unshakable optimist, a thorough planner, or someone who prefers to go with the flow, obtaining an insurance policy from a trusted general insurance company provides you risk cover and precious peace of mind.

So if you don't have the best insurance plans already, HERE is what you need to know…