GENERAL INSURANCE BLOG

All-terrain vehicles, popularly known as ATVs, are a new trend in the automobile market. With many options bombarding the automobile industry, be it utility ATVs, sport ATVs, or children's ATVs, it is difficult not to know about them. This article will look at all the options, their functionality, their working, and why they are becoming a popular adventure option.

What is an ATV?
An ATV is a popular off-roading option designed to travel on four wheels. There are two subcategories to ATVs. The first one is a TYPE I ATV, designed to be used only by one person, and no other passengers can be on board. TYPE II ATVs are more popular amongst tourists and can board two to three people depending on the vehicle's build.

ATVs are also built-in various sizes and for different utilities, and we will look at each in the next section of this article.

What are the different kinds of ATVs?

1. Sport ATVs:
If you enjoy adventure and the occasional bouts of an adrenaline rush, then sports ATVs are just for you. They are made especially for speeding and tricky turners. It glides smoothly across corners and different surfaces. Sports ATVs are the perfect machine for motor enthusiasts who enjoy the thrill of speed and sports.

2. Utility ATVs:
These ATVs are for more labour-oriented work and to transport heavy objects from one place to another. Some ATVs come with levers that can lift heavy objects and place them in different positions as per the requirement. With mighty engines, these can navigate through any terrain, including rocky and hilly areas.

3. Side by side ATVs:
These ATVs or quads can seat up to four people. These are not operated using handlebars. Instead, they are equipped with steering and provide riders with an experience similar to driving a car. These can be used in snow, sand, and deserts.

4. Youth ATVs:
They are designed for younger people, especially children looking to experience ATVs. These are equipped with full safety measures to ensure the protection of riders at all times. The engines are not as powerful as normal ATVs and range between 50cc to 125cc.

5. High-performance ATVs:
As the name suggests, these are high-performance vehicles, as they are equipped with extremely powerful engines, more than the power and acceleration compared to other ATVs. The engine capacity ranges anywhere from 350cc to 700cc.

Why are they a popular sporting option?

Because of their agility, speed, and ability to manoeuver different kinds of terrain, ATVs have gained traction over the years. Watching these can be fun and thrilling. Many sporting activities happen around the year, and if you enjoy all kinds of riding or racing, ATV sporting is a must.

Driving an ATV requires a lot of physical exertion, skills, and tactics, which is why it is a challenging and interesting option for adventure seekers. Trail racing, motocross, cross country, desert racing, hill climbing, etc., are some of the more popular ATV sports in the country.

Having discussed all the important elements of an ATV, it is time to shed light on the importance of careful driving and maintenance of your vehicle. While ATVs are an interesting option if you enjoy riding, keeping yourself and others around you safe is important. Always wear safety gear and helmets while driving ATVs.

Remember to take your ATV for regular servicing and maintenance to ensure their longevity and optimum functionality. Do not forget online Motor Insurance Renewal to safeguard yourself against the costs and expenses of maintaining an ATV.

Click HERE for online motor insurance renewal.

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

Owning a bike is a fun and thrilling experience. Bikes make it easier and less time-consuming, whether you have to go to your office, ditch the cab surcharges, or go for a monthly grocery run. Adding to that, impromptu road trips, midnight drives, etc., are some of the bonuses of having a bike. Familiarising yourself with every inch of your bike brings you closer to your bike and helps keep your bike functioning properly for a long time.

But there are many parts of the bike that not everyone is familiar with, and even if they are, they might not know the importance and the maintenance of the same. In this article, we will take up one such part of your bike's body and deep dive into understanding its mechanism and usage. We will discuss your motorcycle's Upside Down fork or USD forks.

1. What is a USD fork or upside-down fork in your bike?
A USD fork or the upside-down fork is foldable, fitted in an upside position on your bike. Most modern bikes are equipped with these for better movement and agility of your motorcycle. Their primary purpose is to reduce the unit's weight by loading heavier components onto the lower part of the fork. USD forks also enhance the strength and integrity of the different elements in your bike.
USD fork is responsible for handling the suspension of your motorcycle. As opposed to the telescopic forks, in USD forks, the sliding tube is on the lower side of the wheel. Since it is fixed with the help of a triple clamp, it is better suited for handling heavyweight and maintaining the weight of the suspension system. Most heavy-duty and racing bikes have USD forks in them.

2. What is the use of USD forks?
Sports bikes are meant to give high performance concerning pick up, speed, and torque. The USD forks permit the riders to use their bikes efficiently without compromising the quality of their riding experience.

3. What are the disadvantages of USD forks?
Although USD forks perform better, they are way more expensive than conventional telescopic ones. And since the cost is a crucial factor in making bikes, the motorcycle's overall cost increases significantly when the manufacturers use USD forks. Another disadvantage of the upside-down fork is that since it is more susceptible to shock absorption, the suspension is likely to wear off over time.

4. How to maintain USD forks?
Lubrication is the key to keeping your fork working efficiently and for an extended period. Ensuring no contaminants in the lubricant is one key factor to keep when maintaining your USD forks. Oil-based lubricants are best for such suspension systems. Ensure that the seals in your suspension are proper. The seals make it easier for the system to keep the dirt and oil separate.

Mudguards are another way to ensure the wheel's dirt and dust are thrown up and do not get into your suspension fork. Take your bike to an experienced mechanic and get a mudguard fixed to avoid contamination.

Remember that your bike is only as good as your maintenance. Regular servicing and maintenance are crucial to keeping your bike in perfect condition. To ensure you are not compromising on the care, buy bike insurance . Bike Insurance is a safety net that protects you from any extra expenses you might incur in damage or repair of various parts. Also, always ride with proper gear and with all the valid documents.

Click HERE to buy bike 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.

Ten minutes of your time on a road, you can see many bikes, varying designs, different builds, unique colours, etc. Some people choose to customise their vehicle according to their liking by changing the frame, engine, headlights, horn, or handlebar for a better driving experience.

You might wonder how these changes help with the riding experience and why is the standard built not sufficient? Experienced bikers know what suits their bikes better and what would give them a better riding experience. To match their vision, they customise their bikes.

This article will take up a less talked about subject; Handlebars. How do different handlebars affect the riding experience? And what are the different kinds of handlebars available in the market?

Let's discuss a few types of handlebars available in the market and their benefits.

1. Clip-on handlebars:
They are a set of two-piece components fixed directly onto your front fork. Because of this, no extra tools or materials are needed to fix the handlebar. Since the set-up is fairly simple, it gives great flexibility and movement to the bike. These are more specifically used for racing and sporting bikes.
The most significant advantage of clip-on handlebars is that they can be adjusted as per the rider's requirements. Since these are lightweight, it's easier to manoeuvre. For the bikers to handle the bars, they need to bend forward, which gives them a great aerodynamic push during racing.

2. Z-bar handlebars:
These angular handlebars aren't too wide or tall. These are better suited for bikes that have a narrow build. These are a budget-friendly alternative as opposed to other handlebars. They offer one of the most relaxed driving positions and are sufficiently agile for better manoeuvring. These handlebars are better suited for casual riding as opposed to clip-ons that are made for sports bikes.

3. Moustache handlebars:
Moustache handlebars give better control to the rider, especially when navigating treacherous roads. For off-roading, moustache handlebars provide a better stance to the rider so they can navigate and enjoy the view without worrying about their handlebars' position.

4. Frisco handlebars:
Narrow frames characterise Frisco handlebars, and the handles are turned towards the biker. These are fitted into narrow bikes with high-rise chassis. These bikes have a better ground clearance than any other bike model.
The Frisco handlebars are made specifically for these bikes to navigate through heavy traffic or congested roads. The smaller handlebars might provide less radius, but they help manoeuvre through heavy traffic.

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

These are a few of the most common handlebars in the market. Remember to talk to an expert mechanic who can understand your vision and comfort before adjusting a handlebar. Handlebars and other accessories add the desired look and comfort to make your riding experience more fun and comfortable. Wondering how to add more value to your bikes? Invest in Bike Insurance . 

Bike insurance is a safety net against all the expenses you incur during your bike's course tenure. Boost the longevity of your bike with a comprehensive insurance plan and get benefits that will help you in the long run.

Click HERE to buy bike 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.

As the fuel prices are skyrocketing, it has become quite a concern for ordinary people to afford them. Still, the type of fuel your car needs stays at the top of their requirement list. Having the clarity on the kind of car you own, you can make a well-informed decision about the type of petrol you should choose. And for the people who are still new to the world of vehicles, there are two kinds of petrol- power petrol and normal petrol.

But how do you determine which one would be the most suitable for your car and what are their results? If you have these questions, we have your answers. This blog will discuss power petrol or normal petrol and understand which is best for your car. So, let's get started.

1. Types of petrol in India.
First and foremost, let's get acquainted with the situation of petrol in India. If you go to a gas station, you usually get three types of petrol: unleaded (normal), Power/premium (turbojet, Hi-speed, etc.), and Speed octane (high octane) petrol. The difference between premium petrol and normal or unleaded petrol is that power petrol has a comparatively higher number of octanes. Different types of petrol have other numbers of octanes.

2. What are the advantages of using premium/power petrol?
Using power petrol has several advantages. Higher efficiency can be achieved, which can thus help fuel usage more economically. The power fuel helps in an improved fuel combustion capacity of the engine, thus helping in less consumption and providing better results.
Power petrol also enhances the engine's strength. The stronger the engine, higher the speed and acceleration it can achieve. You might often find deposits in the injector and intake valves which might carry them off into the mechanism of the engine. Power petrol helps eliminate such contaminants and residues, which helps in the smooth functioning of the machine, thus increasing the combustion levels.
It also aids in reducing the banging of the engine, thus de-stressing its work and increasing its longevity. This further decreases the number of harmful exhaust releases through the silencers of your car. Lessening such toxic releases from the silencers also helps reduce pollution and contributes to a cleaner environment. Premium petrol also helps handle and boost your car's ORI (Octane Requirement Increase).

Some other advantages of using power petrol over regular/unleaded petrol include the lower chances of input valves' fusion, the better and smooth riding of the vehicle, and much more. Although it is a little more expensive than normal petrol, your car's mileage is boosted if you start using the power petrol, which helps you efficiently minimise the frequency of fuel expenditure.

We hope that the information proves helpful in arriving at an informed decision. And in the interest of your vehicle, you also need to safeguard your vehicle from unforeseeable damages or accidents which can land your car in trouble and put you under financial stress.

To avoid such issues, you need to get Motor Insurance which would act as financial aid and help you handle the situation efficiently with your insurance provider. Put your research work to the test and purchase the best motor insurance India that will help you efficiently deal with the repair and maintenance of your car.

Click HERE to know more about the benefits of buying motor 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.

Purchasing a bike is not an easy task. It would be best if you had a lot of time to do the market survey, finalise your budget, see which models fit your budget, explore and compare the features you require, gather the funds, seek information about the loan, and choose the best option and then begin the process.

All these things require considerable time, money, and effort. And with insurance, the information seems never-ending. Also, you need to ensure that you know sufficient knowledge to help determine which insurance policy would suit your needs.

We will shed some light on the know-how of bike insurance policies catering to your needs and help you gain better insights on how you can get one. So, let's get started.

1. Why do you need a two-wheeler insurance policy?
Accidents come without warning, so you must purchase insurance that protects you and your bike from unfortunate situations. A Ministry of Road Transport and Highways report revealed that over 158,964 road accidents of two-wheelers were reported in India in 2020, causing over 56,000 deaths. This alarming figure demands the need to buy a robust bike insurance policy to protect you and your bike from such potential threats and uninvited damages.
You must have a valid driving licence and original insurance documents to ride legally on Indian roads as per the Motor Vehicles Act 1988. It is advisable to compare 2 wheeler insurance online and explore different options before concluding a policy.

2. Have you asked your insurer to customise your two-wheeler insurance?
Were you aware of this fact? If not, then now you do! We know that the insurance sector has started inculcating options for personalising their policies to help the customers get the best out of their insurance. There are several options of add-ons available to choose from, making your insurance plan more customisable.

3. Do you know that a basic insurance policy does not cover the engine?
You will be surprised to discover that your bike's engine is exempted from insurance benefits. Fret not! You can still protect the engine by buying the "bike engine protect" add-on to your existing insurance.

4. Your insurance policy can also provide you a legal protection.
A good insurance plan also covers you under natural calamities, accidents, theft, and vandalism. These insurance plans have several options for add-on coverage and other choices, which allow the companies to personalise their insurance benefits according to their audience type. This also includes covering damages to third-party and avoiding the risks of legal actions or hefty penalties.

5. Did you compare your 2 wheeler insurance online?
Make the best use of technology and compare different two-wheeler insurance plans online with just a few clicks. But, carefully read all the terms and conditions before proceeding to payment. Understand the benefits thoroughly to calculate the return on your investment.

6. Have you picked a reputed insurer?
There are several advantages to purchasing the insurance policy from a reputed firm. Looking for a trusted insurance provider should be your first step. You can decide this by analysing the company's claim settlement ratio and its customer base.

7. Don't forget to read online reviews.
Reviews are the best way to get an overview of the company, its process, and customer relationship. These can help you make an informed decision and learn more about the company's services.

These were a few know-how of bike insurance to choose the right two-wheeler insurance policy. Life is chaos, and everything else is arbitrary. But, it would be best if you had something to fall back on if you find yourself in a difficult situation. Insurance keeps you stress-free financially and helps you fix the problem and get your vehicle repaired in case of severe damage.

Now, finding the best deals for buying insurance is easy with digital platforms of insurance providers. With a digital device and stable internet, the entire insurance buying process can be done in just a few clicks. By purchasing 2 Wheeler Insurance Online , you considerably save time and money and are, in return, promised seamless services. Everything can be done hassle-free and without the involvement of any intermediaries, from making claims to paying premiums.

Click HERE to buy 2 wheeler insurance online.

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

Crime rates are increasing every passing day, and it has become necessary for everyone to consider personal safety at all times. Be it going to the school, office, movie halls, or public transport, people are being told to be cautious concerning themselves and their belongings.

One lesser talked about safety concern is safety during driving. There have been various instances of robbery, mugging, and break-ins, and it is best to learn how to be safe during these times.

This article will look at all the things you need to take care of while driving and how you can prevent attacks and crimes against you while going.

1. Check where you park:
Parking a car in a country like India can be highly challenging. With people flogging the streets at all times, there are barely any parking spots left. Under these circumstances, do not park your car in unsecured places. Always lock your steering completely because thieves find it challenging to manoeuvre, and more often than not, they will not try stealing a steering-locked car.
However, if you have parked your car in a parking spot away from the public eye or in an underground garage, look below the car. Attackers and thieves generally hide under the vehicle and wait for the perfect time to launch an attack. Remember to keep a safe distance from your vehicle before checking under the car.

2. Lock your car:
Remember to lock your car even if you are stepping out for a minute. Thieves are always on the lookout for situations like these. Lock your doors properly even when you are stepping out to make a quick payment at the petrol pump. If you use a central locking system, then it is best to check the locks after locking your car.
Thieves use jammers to interrupt the signal emitted from the remote key, enabling easy access to them. Try the door handle before leaving the parking premise. Another important thing to remember is to keep the windows entirely closed. Even slightly opened windows allow easy access to the car's interiors.

3. Do not open the cars to strangers:
Have you ever come across a passer-by curious to know the direction? In most cases, they are genuine people looking for a way to reach their destinations. But there have been instances of snatching and robbery in situations like these.
Never keep the windows open on heavily congested roads, and never open your car doors or windows for roadside vendors. If you intend to leave your car, never leave your belongings inside the car. If you want to leave things behind, put them in the boot space or under the seat to avoid a clear visual range of your belongings.

4. Added layers of security:
Technology has advanced so much in the past few years that there are readily available security devices in the market to ensure better safety of yourself and your car. Equipment like the steering wheel, gear locks, tracking devices, and cameras are some of the more common technical gadgets that will keep thieves away from your vehicle.
Some modern cars provide an internet connection feature that helps you keep connected with your car through mobile apps where you can turn on and turn off your ignition, be notified if the car is opened, and get updates about the door locks with the tip of your finger.

These are a few ways to ensure your safety during driving. However, if you live in an area susceptible to theft and vandalism, getting an appropriate add-on from your MOTOR INSURANCE COMPANY IN INDIA is a good idea. Under this cover, your motor insurance company will cover the cost of theft of your car and sometimes your belongings. Be responsible and invest in a safer ride by purchasing reliable motor insurance today.

Click HERE to learn more about the motor insurance company in India.

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

The COVID-19 pandemic has been a tumultuous time for the globe, and it is no surprise that we were not ready to deal with a pandemic of this scale. It has been a trying time for everyone involved, including doctors, nurses, frontline workers, and the general public.

The global economy has taken a massive hit in the past two years of the pandemic. Businesses all around the globe are trying to figure out a way to stay afloat in these trying times, and many of them have turned to insurance companies seeking clarification for the clause called "Act of God."

While this term may seem facetious at first, an act of God used to be an actual insurance term. Although it's not commonly used in policies, an act of God is used as a term to describe natural calamities outside human control. This can range from floods, cyclones, earthquakes, typhoons, tornadoes, storms, etc. An Act of God can also be described as an event that cannot be prevented by reasonable care.

As you may have already deduced, this term is vague and does not provide clear antecedents of what businesses can claim. Insurance providers mention the disasters covered or excluded to avoid this confusion. However, being faced with this horrific pandemic that has closed down businesses and decreased revenue drastically, companies and small traders are looking for an insurance policy that will cover the revenue lost because of the pandemic.

What policies cover diseases like COVID-19?
With business owners getting desperate to stay afloat, here are the policies that generally cover or exclude disasters like the current situation:
1. General liability insurance: This policy might help with lawsuits about exposing employees, customers, or clients to the virus.
2. Worker's compensation pay: This may cover the workers' medical costs for an infectious disease such as coronavirus.

Should you be concerned about lawsuits related to COVID-19?
It's improbable for a business to be sued over a global pandemic. However, it can be sued against the negligence of its employees in following COVID guidelines or for professional negligence regarding project delays or cancellations. In this time of financial insecurity, this can be a massive liability to the company. The best way to protect your business against these scenarios is by including these in your contract with the client.

Force Majeure to the rescue.
Force Majeure clauses, like acts of God, is a relatively vague term in insurance. It relieves your business from contractual obligations under natural calamities, pandemics, or other uncontrollable events. Another significant advantage of this clause is that it clears your business from responsibility to fulfill contractual obligations in the case of armed unrest, conflicts, etc.
It can provide optimum protection in case meeting deadlines is impossible. However, suppose the client has a high-stakes project with your company, there is a high possibility that they'll ask for a narrower definition of Force Majeure that may exclude certain disasters.

There is a lot of philosophical discourse about whether COVID was an act of God, and the debate can go on for decades, but the truth is, there are a lot of businesses unable to cope with this deadly pandemic. Stores have shut down, and people's dream businesses have been halted. This has been a trying time for everyone, and some insurance policies might help. Research Public Liability Insurance In India to get optimum protection for your business and safeguard it against unexpected financial losses.

Click HERE to know more about public liability 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.

Childbirth is beautiful. Pregnancy requires a lot of commitment, physical and mental strength, and external support from your partner, family, and friends to be able to give birth once the cycle ends. Things do not end once your baby is out of the womb and into this world. That's when the real work begins.

Are you someone who is currently going through the pregnancy phase? Or someone taking care of a pregnant friend, relative or family member? Well, whatever your reasons are, this blog will answer your queries about the dangerous activities you need to steer clear of during childbirth. So, given below is a list of pregnancy injuries you must be very careful about.

1. Say no to lifting:
During pregnancy, you should strictly prohibit yourself from lifting any heavy items, including large, heavy boxes, weights in the gym, etc. If you want to keep your body fit and still hit the gym or get a quick workout, consult your doctor before starting anything.
Do not run the trial-and-error methods and put your body through unnecessary physical stress and exhaustion. You might risk many things, have to bear the side effects, and face adverse results during delivery.

2. Avoid standing for more extended hours:
Standing for long hours is similar to the case with lifting, as discussed in the previous point. You exert your body and put it through a lot of physical stress when you stand for longer. Your body is already carrying your weight and the weight of your child. Your legs need rest.
Your locomotive system needs to catch a break to be strong enough to support your entire body if there is some emergency. Prolonged standing also risks premature birth (babies born before nine months or their estimated date) and increases the chances of miscarriages.

3. Understand the changes in your body:
Once the "late pregnancy" period begins, you will notice several visible changes in your body. Your body goes through several internal and hormonal changes. Therefore, your weight increases as the baby develops, and different body parts get bigger to ensure that they can serve the baby's needs when it arrives. All this weight gain thus eventually causes imbalance even when you do the simplest of activities. But exhausting your body by doing your regular heavy physical activities can put your child at risk. The imbalance might make you more prone to accidents that happen due to falling or increase the chances of musculoskeletal injuries.

4. What about your menstrual health:
Heavy physical activities, lifting massive items, and standing for extended hours also threaten your menstrual health and put your body under stress. And as for pregnant people, their hormones during the process can affect the strength of the ligaments and spinal joints. Excessive physical strain can delay the process of your body preparing itself for childbirth or might adversely affect the baby's health.

These were some pregnancy related injuries you must be very careful about. As it is said that accidents never come with a warning, and the period of pregnancy is one such critical time when you need to be the most careful you can ever be. But there might be times when you or your loved one find themselves part of an unpredictable incident that can potentially endanger your health or life.

And even if not, it is always wise to have a certain financial backup for the future so that you can focus on sorting the situation and finding a solution instead of worrying about the funds. Therefore, a smart option is to purchase the Best Personal Accident Policy In India , providing comprehensive coverage for your family and your baby.

Click HERE to know more about the benefits of buying 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.

All businesses people are constantly conscious about managing finance and cash flow. With this unpredictability surrounding your business, it is stressful to consider other factors that may drain significant money. For instance, if a customer gets hurt within your company premises, let us say rolls their ankle because your floor is slippery, you might be liable to pay their medical expenses or the expenses of a lawyer or an investigating officer.

As you might know, these expenses quickly cut a hole in your pocket and might leave your business bankrupt. Opting for public liability insurance is best to avoid these unforeseen problems.

It offers optimum protection to a business, a contractor, an event, or even a person from any legal charges that they might be liable for in case of injury, bodily harm, loss or damage to property, or even death of a third party resulting from their negligence.

This blog aims to give you an insight into public liability insurance and its types to decide on a suitable choice for your business.

Does your business require public liability insurance?

Businesses that constantly interact with customers and the general public are in great need of this type of insurance. Industrial as well as non-industrial organisations require this. It is especially recommended to doctors, hospitals, and IT-intensive businesses as they are constantly handling their customer's assets.

Moreover, even if you're an online business and use third-party sites or companies to deliver your products, you must invest in public liability insurance to avoid legal fees ensuing from any mishaps that might occur during the delivery of your products.

What does public liability insurance cover?

Public liability insurance covers any expense incurred by your business when a third party is harmed in any way in connection to your business. This includes-

1. Legal fees, settlements, and investigations: If your business is facing a lawsuit due to harm to a third party, this policy will cover the expenses of the attorney and the investigating officer and any settlements, if necessary.
2. Medical expenses: If the third party faces any bodily harm inside your premises or any negligence on your or your employee's behalf, this policy will cover the medical expenses incurred.
3. Personal injury: This policy also covers any legal expenses against slander, wrongful entry, and other offences.
4. Property damages: A third party might sue you for property damage. This is also covered under public liability insurance.

Public liability insurance is more limited than other insurance policies, promising more affordability but less coverage and payouts. It also does not cover professional errors, your business property damage, or any damage out of a war-like situation.

Types of public liability insurance:
1. Public liability for manufacturing units such as warehouses and godowns.
2. There is public liability coverage, especially for non-manufacturing units such as hospitals, doctors, banks, or other BPOs which are in direct contact with the general public.
3. Businesses that deal with hazardous substances are also covered under the Public Liability Insurance Act of 1991 to provide immediate relief to those harmed by accidents related to these hazardous substances.

This insurance can be extended to cover legal expenses arising out of other eventualities, including:
1. Natural calamities
2. Transportation of treated effluents
3. Sudden and accidental pollution

Unexpected financial losses are the biggest concerns for any business owner. There is a constant fear of an unforeseen accident happening to the third party and their financial impacts. This policy reduces a lot of the stress on business owners. Do proper research of public liability insurance prices to understand the rate and payouts insurance policies can provide you.

Click HERE to know more about public liability insurance prices.

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.

Monkeypox is a health concern registered under the World Health Organization (WHO) radar. And the scale of its transmission and the number of countries that have active Monkeypox cases has led the WHO to declare it as a Public Health Emergency of International Concern (PHEIC). The infections have now spread over to more than forty countries across the globe, and sadly, India is on the list.

While there are different opinions of doctors, scientists, and medical researchers around the world as to whether or not, Monkeypox would take the shape of another pandemic like the Covid-19 virus. It would be foolish of us not to take the infections seriously and be educated about them to ensure that we can stay safe and take all the proper measures if one gets affected.

This blog will help you seek answers to all your queries and shed some light on other related information.

1. What is Monkeypox?
Despite the name having the term “monkey” in it, monkeys are not the original hosts of the Monkeypox virus. The actual hosts are considered to be the species of African rodents such as African squirrels, dormice, etc. Scientists have found that the virus is an enveloped, double-stranded DNA virus with around 190 kb of genome size. Monkeypox virus and smallpox virus belong to the same family.
Besides the outbreak in 2022, Monkeypox cases have been discovered in various Central and western African regions and countries. The first human case of Monkeypox infection was found in the year 1970. This disease is usually spread through imported animals or with people who have a history of international travel and came in contact with such animals who are the primary carriers of this virus.

2. What are the symptoms?
Well, the symptoms of an infected person would include muscle and back aches, fever, severe headache, exhaustion, chills, swollen lymph nodes, rashes which might look like ordinary blisters or pimples appearing inside the mouth, on the face, on the legs, hands, feet, genitals and other parts of your body. Monkeypox symptoms are pretty similar to the symptoms of smallpox, but they are milder in comparison.

3. What about its transmissibility?
Monkeypox can spread among people in different ways, which include being in direct contact with scratches, bites, infectious scabs, or using or even coming in touch with the used properties of infected people like bed sheets, clothes, etc. A pregnant person can infect their fetus through the placenta. Other forms of transmissibility include contact with infected animals or their rashes or consuming meat products of the said infected animals.

4. What preventive measures should you take?
You must avoid physical contact with infected people or any rashes that might look like Monkeypox. Ensure you don’t come in contact with their rashes or scabs and do not share their items of use. Wash your hands frequently and use alcohol-based sanitisers, which are medically approved. Ask the infected person to isolate and separate their items and stay away from the pets.

5. Is this disease curable?
Yes, in most cases, the infected person has noticed that the infection lasts for up to 3 to 4 weeks. Monkeypox is curable, and mainly the symptoms subside on their own after a few weeks. Patients can get treatment with antivirals to avoid the risks of viral infections.

6. Is this disease fatal?
There are no such cases of fatality reported due to Monkeypox. This infection is not fatal and is milder than smallpox.

These were some important points about understanding Monkeypox and how you can protect yourself. Times are stressful, and viruses keep popping up now and then. Health emergencies never give a warning, so we must stay prepared. And one of the ways to accomplish that is to get health insurance so that in times of need, you can focus on the recovery of the patient without the slightest worry about the finances. Explore all the available options and purchase insurance from the best Health Insurance Company In India , which will suit your requirements.

Click HERE to learn more about the benefits of the best health insurance company in India.

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

Long working hours, unhealthy eating habits, and lack of physical exercise can lead to uncontrolled weight gain and obesity. People are always seeking instant solutions in this world of fast food and ready-to-make edibles.

But the thing about weight loss is that the results start showing only after a while. People invest thousands of bucks at the gym, buy the perfect equipment and gear, and dedicate their time and efforts to the gym. Since the results are not quick to come by, they often give up.

In this article, we will take a look at a few ways in which you can ensure a faster weight loss to keep yourself motivated and healthy.

1. Know what is the right diet for you.
The biggest myth when it comes to weight and weight loss is to eat less. Not only is it extremely unhealthy, but it is also impractical. Without the right amount of food, your body cannot produce energy and the nutrients it needs, which often leads to fatigue and other ailments. Your primary focus should be eating a calorie-deficit diet. Calories are the main reason you gain weight, but no calorie intake is almost impossible.
The best way to kill your cravings while also having a healthy diet is to increase the amount of protein. On average, an adult should eat the same amount of protein in grams as their weight in kilograms. Ideally, you should consume at least sixty-five grams of protein if you weigh sixty-five kgs.
A protein-rich diet will ensure you are not losing any muscle weight. It also helps you maintain your body's metabolism, which further aids in faster calorie burn.

2. Develop a disciplined sleep routine.
People significantly undermine the importance of proper sleep. An average adult requires at least eight hours of sleep to function correctly. Ample rest is essential for your body to function optimally.
Lack of sleep can hamper the hormonal activities in your body, which will create sugar cravings or other processed food, leading to overeating. Sleep is vital if you want to restore your muscles after a workout.

3. Drink water.
Water is truly the elixir of life. A person must drink at least three to four litres of water daily. Water helps with boosting the metabolism and suppressing the appetite. What most people think of hunger is actually a thirst, and drinking two glasses of water will keep you satiated. It also helps you remove any toxins from the body, thus helping with the better absorption of nutrients by your body.

4. Eat fibres.
Increasing the fibre content in your food prevents you from overeating as fibre is extremely filling. A person should consume between twenty and thirty grams of fibre daily. It also controls blood sugar levels and cholesterol. Fibres are mainly found in fruits, vegetables, and grains.

5. Involve in more physical activity.
Most of the time, people do not get the time for a dedicated workout. Starting slow is the best way to ease into a healthy lifestyle. Walking to your office or your grocery store is one way of maximising your step count.
Ditch the elevator and choose the stairs to burn the calories on the way. Instead of choosing cafeteria food, pack food from home or choose healthy alternatives such as fruits or oats to keep your hunger at bay and avoid bingeing.

These are a few ways to ensure that your road to weight loss is faster and more efficient. Remember that the end goal is to be fit and healthy and not to lose fat. Mindful eating and exercising are simple yet efficient ways to start your fitness routine. Obesity can lead to severe diseases that are sometimes irreversible. To safeguard yourself against hospital bills and medicines expenses, purchase health insurance Do not forget to renew Health Insurance Online if you already have one. Keep your policy up-to-date to prevent it from lapsing.

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.

Everyone wishes to open up their venture someday. Entrepreneurship is taking a tight grip globally and even more so in India. We have hit almost a century in the number of unicorn start-ups, and have been escalating quickly. Apart from the start-up cities like Bengaluru, Mumbai, Delhi, and Hyderabad, there are people from various towns across the country aspiring to do their businesses. Some of them own small businesses, which they can manage on their own or with the help of a small team. There are various aspects of running a small business, and it should not be considered easy to manage and run the show.

But what kind of insurance do small businesses need? Do they need public liability insurance? If yes, then why? How will the insurance benefit them in times of need? Are you looking for these answers and some more information on the subject? This blog will discuss everything about why small businesses need public liability insurance. So, without any further ado, let’s begin.

1. What is the importance of public liability insurance?
Public liability insurance helps you go about your legal business deals and operations without worry. It assures the management of unprecedented circumstances adequately and enables you to deal with the unpredictability of life in a less stressful way.
Public liability insurance also releases you from the stress regarding the payment and compensation of workers and their families in case they get hurt within the company premises or face serious injuries or death at work. All in all, public liability insurance can deal with work-related catastrophes to third parties efficiently.

2. Why do small businesses need liability insurance?
Big or small businesses, everyone must purchase liability insurance. This insurance protects the owners against unfortunate situations where someone is wrongfully accusing them of malpractices or other offences. One can register claims if some worker or employee gets injured in the line of business or there are any settlements to be made, or there are severe damages to the business property.
You can efficiently perform damage control when stuck in potentially harmful circumstances, including damage, injuries, fraud, and copyright infringement, to name a few. But make sure you go through the risks, exceptions, and coverage plans before you claim to stay on top of the situation.

3. What kind of coverage does public liability insurance provide?
You can claim work injuries or business infrastructure damage under the Corporate Insurance Policy. If your business’ name is being wrongfully accused and there is an attempt to tarnish your name through unfair practices, you can claim it as “maligning of reputation.” Any false advertisements, copyright content, or material used against your business can claim it as a commercial error under public liability insurance.
Damage to property claims also includes damage caused to rented property. Damage can be natural, artificial, or hazardous; you can still make a clear claim. You may also claim the treatment costs for injuries caused in the workplace under the insurance.

It would be best if you were mindful of the things that have been excluded from the public liability insurance coverage. They include pollution damage or pollutants emitted from your business operations, eventually causing harm to the environment and the ecosystem of the resources. For any particular loss incurred due to your products, personal liabilities, and intentional damage to properties, ensure you check with your insurance provider about the exclusions and other terms to stay informed.

You must purchase public liability insurance to protect your business, no matter how big or small it is. Your business is your primary income source, and it helps sustain yourself and your family. It is wise to keep your business afloat and purchase the Best Public Liability Insurance India to protect your business against any odd and maligning circumstances that can potentially cause financial destruction. Always be prepared! It takes a lot of sweat and patience to build a business. Don’t let any mishap turn it to dust.

Click HERE to learn more about purchasing the best public liability 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.

Two-wheelers have been around for decades now. Once considered a symbol of status and background, now two-wheelers are vehicles of convenience. They help you run your daily errands, commute to work and other work locations, go for long drives, and several other purposes. Every year, different two-wheeler manufacturing companies release new models and versions of previous models with improvised features.

They conduct a market survey and analyse customers' demands who have been using two-wheelers for a long time. With the advancement in technology, different features and systems have been included in the two-wheelers to make them more efficient, fuel-saving, stylish, practical, and convenient.

Customers invest a lot of time and get influenced by several factors when determining which two-wheeler they want to purchase. Everyone wants to buy a trendy two-wheeler with multiple features that help make it more convenient, efficient, and within their budget. But how do you differentiate the demands of customers every year? What factors influence the needs of two-wheeler users and potential consumers? This blog will discuss the answers to all the above questions.

1. Improvised anti-lock braking system:
An anti-lock braking system is a modern technology development curated for two-wheelers for safety purposes. The ABS helps in monitoring the rotation of the wheels of the bike.
An efficient anti-lock braking system helps the tyres stay in contact with the surface whenever the two-wheeler rider uses the brakes. This helps avoid wheel skidding, spinning, or unrestricted slipping accidents. The entire purpose, as explained, is why this system is called an anti-lock braking system.

2. Tyres with excellent performance:
We cannot stress how much tyres can help to increase the bike's efficiency and performance. They are considered one of the essential mechanical parts after the engine of the vehicle. The engine's power is channelled into execution by the tyres, which happens in fractions of a second.
This high and fast execution level is why high-performance tyres are needed in a two-wheeler. And the modern vehicles are launched with superior quality tyres, thus enhancing the appeal and helping with improved grip and traction capabilities.

3. The body of the two-wheeler:
Vehicles with improved fuel injection systems also require bodywork that can be sensible aerodynamically. Lightweight materials are used to achieve an aerodynamic shape of the two-wheeler, which ensures a smooth riding experience while keeping the safety quotient intact.
The air resistance reduction capabilities of the aerodynamic structure of the vehicles have smoothened the entire riding affair in the new models.

Other features the customers look forward to are improved quality and framework of chassis and suspension, enhanced fuel efficiency, engines with liquid cooling capacity, traction control systems, slipper clutches, and several others.

We hope that this blog catered to a lot of questions you had about the consumer demands and how different features help improve the bike's quality and can prove to be the differentiators in buying a particular two-wheeler. And in the interest of learning about two-wheelers, you must also understand the importance of protecting your vehicle if you land in chaotic situations. Accidents never warn you before they occur.

So, it is a wise option to be financially prepared to focus on the situation and not worry about the money. This is why one must get 2 wheeler insurance. You can explore all your options from the comfort of your home and purchase 2 Wheeler Insurance Online to save time, money, and energy. Buying 2 wheeler insurance online will reward you with good premiums and a hassle-free process of getting it issued.

Click HERE to know more about the benefits of buying 2 wheeler insurance online.

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

With the increasing traffic and road accidents, taking a car insurance is imperative. However, car insurance premiums can be heavy on the insured person's pocket and make up most of the annual expenses if not considered carefully.

It is very confusing for most insured people whether they should make small claims like for a damaged bumper or broken tail lights. To answer this question, there are a few things to remember. In every claim made, the car owner must pay an amount called the deductible. Also, there is a no-claim bonus (NCB) which is a premium reduction by a certain percentage by the insurance company for a year where there are no claims by the policy holder.

This percentage grows bigger and bigger each year in which there are no claims, eventually reaching a maximum of 50%. So, sometimes where there are minor dents on your car, it makes sense to avoid claiming as you may lose out on a much bigger NCB. Also, if these claims keep repeating, the insurance company may label you as a risk and increase your premium even more than the original.

Here are a few tips to reduce your car insurance premium.

1. Increase the deductibles:
The most effective way of lowering your premium is to increase your deductibles over coverages. It makes no sense to pay an extremely high premium yearly, as the purpose of purchasing the policy becomes null.

2. Staying loyal pays off:
Loyalty to one insurance company will get you a higher ground than others. If there is more than one policy you might want to avail of the same insurer, the company might give you a much lower premium on the second.

3. Research and compare car insurance online:
A car insurance policy is technically a pre-discussed set of benefits for the insured. Thorough understanding and research are needed on car insurance to understand which features to avail of and which to opt-out.

4. Try to make reasonable claims:
Try to be as selective as possible with the claims you put forward to the company, as they might end up causing more harm than good.

5. The early bird gets the reward! Avoid letting your insurance lapse:
While being smart about things to lower your car insurance premium, it's also essential to be aware of what racks it up. By letting your car insurance lapse, you're not only letting go of the NCB you would've previously availed, but you're also taking upon the stress of planning out and purchasing a brand new plan with a penalty added.

6. Avoid car modifications:
Car modifications like expensive lights and fancy wheels can all increase your car premium drastically. However, if you're still interested in installing cool features in your car like ultrasonic sensors, night vision, etc., or any other modifications, be sure to inform your insurer before any claims as they might invalidate a claim based on this.

7. Installing anti-theft devices:
Installing anti-theft devices like alarms and steering locks in your car can significantly reduce your premium.

It's essential to be wise while selecting car insurance. Compare prices of different insurance policies and choose the optimum Car Insurance Online India . Follow the above ways to save on your car insurance premium and increase your chances of reaping huge benefits during adverse situations.

Click HERE to know more about car insurance online India.

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

Have you ever been in a situation where the mechanic asks you to change or repair something, and you have no idea what they are talking about? Don't worry; we got you covered. In this article, we will talk about one less discussed car part known as the differential. This article will walk you through car differential's key points and functionalities.

What is a car differential?
A set of gears that transmits power to the wheels is known as the differential. The differential helps apply torque (rotational force) on the wheels to make turns and operate at different speeds.
The differential is a critical player in the movement of the driving wheels despite their positioning. We all are aware of the fact that while making a turn, the wheel on the outside turns faster than the wheel on the inside. Differentials keep such movements intact, smooth, and crisp.
Differential gets its name from the root word "difference." The name is related to the part where the differential helps turn the wheels at various speeds. Hence, the term is justified.

Working of a differential.
The differential is made up of several parts, of which the main components are considered to be the ring and the pinion gears. The carrier assembly is the part where the ring gets attached. A set of gears called spider gears are placed inside the carrier. These spider gears are again made up of a group of pinions and the side gears, which mainly function to create the differential action/activity.
After this is set in motion, the flow of power inside the differential forces the pinion gear to drive the ring gear, which ultimately rotates the carrier. This carrier then sets the pinion gears in motion and pushes the side gears. There are driver axles that help transmit the torque attached to the side gears, which ultimately drive your car's wheels.

Where is the differential found?
The differential is usually placed in the front axle assembly or the rear axle assembly of your car in modern cars and trucks. You will notice a centre differential that helps drive the front and the rear axle assemblies in AWD-all-wheel drive applications.

Types of differentials.
Vehicles use different types of differentials which accomplish their functions differently when attached to other technological systems in the car.
Open differentials have a relatively simple and efficient design. They have open designs, which include a pinion gear that drives the ring gear and sends power to both the front and the rear axles for further operation.
Limited slip differentials follow a similar pattern as the open differentials except where they can power both the axles even if one wheel loses traction. Limited slip differentials also contain a few extra parts called the clutch packs, which help in locking the left and the right side of axles together in case a wheel loses its traction.
Other types of differentials include locking differential and torque vectoring differential.

How would you know if there is an issue with your differential?
Your car's differential can wear out eventually due to various reasons. It would be best if you watched out for these signs to get an idea about the condition of the differential, such as annoying noise and vibrations, clunking noises, weird sounds while making turns, oil leakage, etc.
We hope this information helped you gain a better insight into the functions of different parts of your car. And while we are talking about understanding your vehicle's mechanical systems, it is equally essential to ensure the safety of your car. Explore all available options from the comfort of your home and Buy Car Insurance Policy Online that would optimally cater to your needs.

Click HERE to know more about how you can buy car insurance policy 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.

With the world going completely digital and transactions occurring primarily online now, insurance companies have also progressed and advanced technologically, enabling many options for their customers. These include authentication and verification and improved premium payments and claim processes. These advancements make the insurance procedure more convenient for the users.

The motor insurance market is one of the fastest-growing sub-group in the insurance sector. The overall economic growth and improving quality of life attributed to more people buying two-wheelers and four-wheelers for their day-to-day commute or running their businesses. According to a survey, the motor insurance sector has expanded almost six to seven times the market size.

Digital platforms are now strengthening this market grip more than ever. The digitisation of transactions has reformed the customer relationship with companies. This blog will help us navigate through the information and help us learn why insurers are suggested to carry MOTOR INSURANCE transactions digitally.

1. Instant processing and deliveries:

With the development of cloud-based platforms, the entire procedure of exploring the benefits, comparing various policies, purchasing, etc., becomes error-free and transparent. The delays also drop as compared to the conventional methods of buying motor insurance. The transparency helps the customers understand the multiple stages of the insurance process, thus allowing them to build a trusting relationship with their insurance firm. Lesser errors speed up the process and are significantly less time-consuming for consumers and insurers.

2. Cost benefits are not a myth:

Insurance companies save considerable money when they opt for digital transactions. They hold a lot of operational and workforce costs, thus reaping huge profits. Companies allocate some of the benefits for their current customers to engage them, ensure consumer loyalty, and attract potential customers into a transactional relationship. Although there are specific terms and conditions which would determine the reduced price at which you can purchase policies online.

3. Accuracy is the key:

Digital transactions allow the customers and the insurance providers to keep an accurate track of the payments. These payment receipts and logs can be proof in case of any fraudulent incidents or identity thefts. And digital transaction logs avoid the hassle of vast heaps of paper, which hold the potential for huge errors.
Accurate insurance details are always provided alongside the online payment rolls, making it easier for insurance officials and customers to keep track of the money flowing in or out of their respective accounts.

4. Improved possibilities of safety breach:

Online transactions eliminate the high risk of false selling of policies, theft, wrong identity authentication, frauds, etc. People are falling prey to scammers and are losing vast sums of money. Online transactions related to your motor insurance can be organised securely due to the elimination of a sales agent meddling in the middle.

Other perks of carrying motor insurance transactions digitally include the direct link to government apps and road safety or transportation departments of the state/central government to help them ensure that you are a responsible citizen of the nation and adhere to road safety.

This is a huge plus point regarding a background check and identity verification. Customer service also speeds up as you can send your queries, complaints, and grievances online. It is a much better method for the customer service officials to address your issues in the most appropriate way possible and with a quick response time.

Click HERE to know more about the benefits of purchasing motor 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

Motor insurance companies generally cover maintenance, damage, or even theft. If you have an insurance policy with the best motor insurance company, you can rest assured that all your bills and expenses are being taken care of by the company. However, if you find yourself in a situation where even after adequate compensation, there are still damages that need to be covered, umbrella insurance is a must for you.

Are you trying to understand the insurance sector's take on personalisation and centralising their services around their customer base? This blog will discuss several pointers regarding customisation in insurance industries to provide customers with precisely what they need.

What is umbrella insurance?

Umbrella insurance is a policy you can use if your other general insurance plans cannot cover your liabilities. From general insurance to home insurance, any insurance policy that fails to reimburse you fully for your experiences can be compensated with the use of umbrella insurance. Certain unforeseen events that lead to property damage or injury, umbrella liability coverage protects the policyholder from financial losses.

Should you buy umbrella insurance?

The idea behind umbrella insurance is debatable. More often than not, your domain-specific insurance policies cover all your insurance needs. These policies are home insurance, motor insurance, personal accident insurance, etc. However, in today’s day and age, legal obligations and liabilities are part and parcel of big and small business owners alike.

Having umbrella insurance will cover your litigation expenses and protect your assets in case of a lawsuit. If your profession or daily activities can lead you to bear costs higher than your insurance cover, investing in an umbrella insurance policy is best.

Who needs umbrella insurance?

If you own businesses that cause problems or raise liabilities for others, you should invest in an umbrella insurance policy. Tour operators, doctors, lawyers, construction managers, etc., are some professionals who should ensure that they are covered under umbrella insurance. Safety hazards in the workplace and unsafe working environments are some of the leading causes of accidents and mishaps. This makes professionals like these susceptible to lawsuits.

How much coverage is needed?

Coverage can change depending on the needs of the policyholder. But to provide a rough estimate, you need to consider the total value of assets, including vehicles, houses, property, and future scope of income. Since the requirements of your needs can vary, it is best to talk to your policy provider to get a better insight into the coverage and the premium.

These are a few things about the umbrella insurance policy that you need to know to make an informed decision as to whether to purchase this policy or not. Remember that the overall premium might seem expensive, but considering all the liabilities that might arise in the future, opting for an umbrella insurance policy would be a smart decision. Factors such as your geographical location, net worth, credit score, driving record, and profile risk analysis can affect your premium. Talk to your trusted MOTOR INSURANCE COMPANY to know more about umbrella insurance policies.

Click HERE to know more about motor 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.

Are you turning 18 soon and just starting your life as a motorcyclist? Most of the teens are filled with enthusiasm and hold a different excitement for bike riding. That's quite obvious as the adrenaline rush of turning 18 keeps the soon-to-be-adults on the tips of their toes.

Are you excited to start riding but don't know how to get started? In this space, we've put together some key points to ponder on if you're a newbie rider, also acquainting you with important terms like basics of riding, bike maintenance, and bike insurance.

1. Choose your model and learning space wisely:
As you start anew, you must choose the best-fit model. It should not be too bulky or heavy; rather, it should be modest, lightweight, and easy to handle for you. After all, you will be riding the bike, so you cannot compromise convenience over physical appearance. The second step is to choose the learning space where you can start riding. It is not advisable to get on the heavy traffic roads of India for a beginner. So, better choose the roadway with flattened or open ground, less bumpy, and with fewer vehicles around; this will help you make your learning process hassle-free.

2. Learn about the components & functionalities:
You cannot glide on the road directly without having basic knowledge about your bike. Be proficient with the parts of your bike and understand their working. You should know the fundamentals like the clutch lever, gear shifter, rear brake, throttle, side stand, accelerator, etc. Anytime, good research can help you uncover the unknowns, and this information can surprisingly come to your rescue if your bike faces any faults.

3. Buckle up and get started:
Get on your bike, make sure you side up the middle stand first. Give ignition, roll on your clutch, and adjust yourself in a comfortable driving position. Shift your gear in neutral, wait for half a minute, and let the engine start properly. You need to be alert at all times and keep the clutch, gear shift, brake and accelerator in rhythm to allow the bike to move smoothly. If you are not confident with your driving skills, take some learning classes from a certified motor training school.

4. Maintenance of the bike:
Like any other machine, your bike also needs the care to provide you with a smooth and safe riding experience. You can do this by scheduling an appointment for complete bike servicing and washing that will boost the performance of your bike. In addition to it, just as life insurance covers your damages, your bike needs BIKE INSURANCE to shield it from any mishap. But are all the two-wheelers owners meeting their responsibility of safe riding? Unfortunately, many of them don't even hold a valid two-wheeler insurance policy. So always be a responsible rider and carry a valid insurance policy for your bike.

5. Ace it with practice:
Be it a bike or any other activity, 'practice' is the key to excellence. Practice safe driving and follow all the traffic rules when on roads. Always wear safety gear like helmets, gloves, bumper jackets before hopping on your bike. Remember that the greatest pleasures can be enjoyed only if you’re safe and sound.

6. Be alert – potholes ahead on the road:
Be a responsible driver, and don’t let the excitement turn sour due to recklessness while driving on bumpy roads or ignoring potholes and stray animals on the roads. There are no magic tips to manage these situations. The only solution is to avoid them by slowing down your speed. There is no other secret.
Lastly, keep patience along with your enthusiasm, and don't rush while learning. You'd look cool on a bike, but always remember that life is more important than the ride. Follow the rules and invest in an ideal bike insurance policy for the comprehensive security of your asset.

Click HERE to know about the bike insurance plans that are best for you.

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

There is no doubt that the relationship of an Indian with food is above and beyond anything else. We don't just love the food, we worship it. Every time someone talks about food, and we get all nostalgic and tempted about it. Food is possibly India's biggest obsession.

Travelling from place to place to explore the best food and culture is another trend which is quite popular in India. If you are a foodie and looking for some famous cuisines, there are boundless cuisines exploring options you can find. Below are the best 5 amazing food tours you must try as a food lover.

1. Mumbai: ‘The city that never sleeps’ holds a speciality in street food as well as fusion dishes. In the city of nightlife, you will find a whole range of cuisines served at night too. Some remarkable famous signature delicacies are Vada Pav (local trademark snack of Mumbaikars), Pav Bhaji, Misal Pav, Dabeli, Bombay style Chowpatty Bhelpuri, and whatnot! Savoury food with a hint of Maharashtrian spices and taste is all you need to bless your tastebuds.

2. Old Delhi: It won't be wrong if we call Delhi as ‘food capital’ of India! Historical places, super delicious food, and politics are in the blood of Delhi. Delhi is famous for its street food and traditional cuisine of 'Purani Dilli' (Old Delhi). The famous landmark, of course, is ‘Paranthe Wali Gali’ in Chandni Chowk. The series of shops selling varieties of parathas make it the most happening food destination.

Other delicacies of Delhi food culture include Momos, Kebabs, Chhole Kulche, Paneer Pakora, Mughlai Biryani, and a large variety of chats. Crowned with their signature desserts like Jalebi with Rabri and Kulfi Falooda, Delhi perfectly satisfies your sweet tooth.

3. Ahmedabad / Surat: Gujarati delicacies exhibit homely comfort food with complex flavours, oscillating among sweet, spicy and savoury. Ahmedabad, aka Amdavad and Surat ‘The sun city', are both filled with food streets loaded with huffy-puffy food. As the significant population is vegetarian, here the food is full of vegetarian options. 'Manek chowk' is a prominent place loved by Gujjus. You will get fusion eating options created from traditional dishes, such as Khaman-Dhokla, Surti Locho, Jalebi Fafda, Khakhra, Undhiyu-puri, Khandvi, variety of Farsan, Thepla, and last but not the least is the whole ambit of 'Kathiyawadi' delicacies.

4. Amritsar: When it comes to counting the best of taste, you cannot miss out on the contemporary north Indian food of Amritsar. As you step into the streets of Punjab, the utterly buttery aroma of Amritsari Chole-Kulche, Karah Prasad of Golden Temple, and ghee emerging from Sarso da saag with Makki di roti is mouth-watering.
The food of langar at the Golden Temple is what makes this food tour worth it. A whole ambit of large Amritsari glass of Lassi and buttermilk will drench your heart with happiness.

5. Bengaluru: Famed as the IT hub of India, Bengaluru has preserved and marked its cultural flag with authentic South Indian food and its incredible taste. A quiet morning with a South Indian breakfast is the major ritual of true-blue Bangalorean.
Masala Dosa at CTR, Filtered Coffee, Seafood platter, Idli with four style Sambar, tomato chutney, Medu Vada, Dal Vada, Rassam, the whole trunk of South Indian variety is exclusive here. Wrapping up this south Indian elegance with Coconut Lassi and Payasam tastes straight from a local chef's kitchen.

On a conclusive note, while visiting all these places for your food tour, consider another essential factor of your health and safety. You're likely to catch a 'Delhi-Belly' if you ignore the hygiene factor at the roadside eateries. Avoid drinking tap water or eating uncovered cut fruits as much as possible. Also, avoid unforeseen health issues caused by travelling and experimental food tours by protecting yourself with good health insurance. If already not purchased, you can opt for an ONLINE HEALTH INSURANCE policy before planning your next food trip to any of these destinations. Keep exploring the world on your plate!

Are you looking for an online health 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.

Going on bike rides in India is an enthralling experience, as our country is home to awe-inspiring landscapes, natural beauty and colourful local rural life. From the snowy Himalayan range to the lush green forests of Kerala, the sandy deserts of Rajasthan, to the beaches of West Bengal, one can never be bored.

As you see, there are many bike routes that any travel enthusiast will be excited to go on, but we have shortlisted the top 5 bike trips you must not miss!

1. To the highest motorable road in the world (Manali – Leh): It is probably one of the most recommended routes for bike trips, and it is famous for all the right reasons. Every second spent away from work and home is worth watching the picturesque scenes pass by. You will come across the beautiful and challenging Rohtang, Gulaba, Khardungla Pass, Dorcha passes on the way. Winter jackets and thermal wear are necessary as the climate is exceptionally chilly.

The tour lasts for about 12 days and 11 nights. The total driving distance is 1055 km from Delhi, and it is worth every mile. The best time for this trip is from July to September. Take refreshment breaks to enjoy warm sips of hot coffee/tea as you en-route towards your destination.

2. The road towards yellow sands and palaces (Jodhpur – Jaisalmer): You cannot possibly find a better way to explore these traditionally rich and rustic cities. These places are all about their palaces, music, dance, and authentic mouth-watering traditional cuisines. It is ideal for bikers who are curious to explore beyond just nature and concentrate on the city's glorious history, rich heritage, and tiny nooks and corners.

3. Riding on the salt marshes (Ahmedabad – Rann of Kutch): The short tour is full of surprises. It is the perfect blend of nature, tradition, and escapade. Don't forget to have a night's stay at a Bhunga (mud house) to experience the local lifestyle. Plan your trip during a full moon because watching the full moon from the Rann is considered a liberating moment in life.

4. To the French heritage town (Chennai – Pondicherry): For the people in Chennai, Pondicherry is a great weekend getaway. A ride along the east coast will take you through tranquil sunsets by the beach, along with eye-catching green rice fields and fascinating fishing villages.

Though many people don't take any halts, there are a few underrated places worth visiting on your way to the French town, like the Chunnambar backwaters and the Dutch Fort.

5. In God's own country (Kochi – Ooty): You will feel close to nature in Kerala, nestled in sublime greenery; the tropical place makes you feel alive. The journey begins from the beautiful city Kochi and continues along the Arabian coastal strip with a soothing breeze encompassing your soul, straight towards the hilly terrain of the state.

You will come across several tea and coffee plantations, which produce the best and most expensive coffee beans in the world. Overall, the plantations, beaches, and backwaters will rejuvenate you! The recommended season is summer, between March and May.

A helpful tip: Bike rides are the best way to connect with nature and learn about a region's traditions, food, and art forms. But, you may not know specific state laws regarding tourists and driving, so go through travel websites to stay out of legal trouble. Also, get your bike an essential servicing, carry a basic tool kit and always ensure valid 2 WHEELER INSURANCE before going on such trips.

Click HERE to know about 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.