GENERAL INSURANCE BLOG

So, you have got a promotion and decided to upgrade your car. When you choose to upgrade your vehicle, the first thing you feel is nothing but complete excitement. However, in reality, it takes more than just excitement to upgrade a car. You might like to consider many other reasons before selling your current vehicle and getting a new one.

You have to introspect on the very first factor: how necessary is it to upgrade your car? Because with upgrades, the cost of maintenance and CAR INSURANCE changes too. Let us help you to decide if upgrading is a rewarding decision for you or not.

1. Budgeting: Car is an expensive and fast depreciating commodity. If you think you have got enough money to upgrade the car, you must decide on a precise budget you can spend on the new car. Another point is the type of car you want to upgrade. See the model, features, and warranty policies of the car and check if it justifies your requirements. Rather than only visual choices like the colour and design of the car, you must also focus on its features and comfort.

2. Monthly maintenance cost: Make sure you can pay the EMIs, maintenance, and other hidden costs with ease without stressing your budget. Car is like a perpetual drain on your pocket. So pay attention to hidden fees like fuel, repairing, servicing, registration, or car insurance policy.

3. Usage of the car: A small to a medium car (preferably electric) would be fuel-efficient and easy to use if you live in a metro city. It is convenient for driving, and you can park it easily. Be mindful that bigger cars require more parking space and can be an everyday hassle if you live in a crowded area with no dedicated parking.
If your family size increases, you need to choose the car with the ideal cabin space to accommodate all your family members and enough boot space for luggage.

4. Higher annual insurance: While the upgradation will enhance your comfort level, it's necessary to consider the impact on your car insurance premium. The higher the cost of the car, the more you have to pay to insure it. Usually, expensive vehicles have very high premiums. Therefore, it's better to estimate the annual car insurance cost than to put sudden stress on your pockets.

5. Smart features: If you are an auto-enthusiast, have a passion for cars, and can afford a luxury vehicle, you should go for a premium car. Try to get some smarter and better features when you upgrade your car. It includes light bars, a GPS, reverse-parking assist cameras, cruise control, auto-pilot, keyless entry, and a better sound system. Safety features like airbags should be the top priority. High-budget cars also bring other safety features like anti-theft alarm technology, anti-lock braking system (ABS), and traction control.
And a final thought before you decide on a model, changing your old vehicle is the best occasion to refresh your lifestyle, but you need to stick to your budget and surf for multiple options. Research thoroughly and find the best deal for the vehicle. By considering the above points, you will not regret the thought of upgrading your car.

Are you looking for a Car Insurance policy? To know more about it, 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.

Starting a new job or getting transferred to another city is stressful already. What adds more to it is the requirement to move away from your current city. The transition is exciting, but at the same time, when you imagine the severity of the relocation process, you feel daunted. Naturally, it will be a bit on the tougher side to figure everything out by yourself.

Shifting to a new city means finding a place to live, adapting to the type of weather, language, people, food, lifestyle, and culture. While some like to experience the newness of a place, others find it challenging to accommodate themselves. Either way relocating is nerve-wracking.

Here's a quick guide to making relocating easy for you.

1. Logistics: The very first thing you must plan is shifting your belongings. Whether it is your personal valuables or simply your furniture, these are the things that cannot be left unattended by just anyone. Therefore, choose a trustworthy packers and movers company with a good reputation for helping you migrate your stuff. To search for the best packers and movers in your vicinity, customer reviews or company ratings available on the internet can be of great help!

2. Prepare a budget and checklist: Keeping your expenses in check isn't simple at all in such hurried times. Hence, preparing a budget for every payment caused will help you save some bucks and refrain from spending on redundant things. It will also aid you in attending transactional details. Similarly, creating a checklist will ensure not leaving anything behind for the last moment hassle.

3. Acquaint the location: It is better to have some knowledge about the city you are planning to move to. Find a good home broker or take your network group's help for some references already living there. Making contact with the locals beforehand, such as your colleagues and people in your society (if you have found an apartment), will prove helpful when settling in the new city.

4. Traveling arrangements: After checking out all the boxes mentioned above, the last thing that remains is how you will get there. If you plan to take a flight or train, ensure you book it before time and not at the eleventh hour. This will not only secure travelling but also get your money and time saved.

5. Insurance for your goods: It is highly recommended to secure your goods and chattels with transit insurance before having them packed and moved. No one can guarantee zero damage to the goods that are to be shifted, but you might be able to cover the loss by getting paid for it. The transit insurance policy covers all possible perils to the items. Whereas for things like your vehicle, get CAR INSURANCE to prevent damage cost.

On a conclusive note, migrating to a new city is not the same trouble as it used to be decades ago. With all these services and networking through various platforms, it has become convenient to plan out relocation. However, everything seems to fall short when you are actually at it.

Hence, we came up with a list of things to assist you in your new start hoping that it will help. Wish you a Happy Moving!

To get the best car insurance Motor 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.

Roughly around six million people are flying somewhere every day. Air travel has become a necessity for most of us for multiple purposes; study, work, holiday, and different other reasons.

Air travel brings in a different excitement of seeing the world from a bird-eye view. But some of us are still terrified of travelling on an aeroplane. Air travel is not an easy game for all. These are all signs of aviophobia, from feeling groggy to having a panic attack during or before a flight. And this fear and anxiety can hold you back in your life. With that in mind, here are a few tips to help you overcome the fear of flying before and during your flight.

1. Recognize your fear: Extreme avoidance of planes or anything in association with flying like airports is considered the fear of flight. According to psychologists, people with severe aerophobia organize their life around avoiding flying. When stepping onto a plane, you may be afraid of a single or a range of things like noises and sensations during takeoff and landing or sudden or prolonged turbulence. Therefore, it is crucial to figure out what triggers your flight-related anxiety so you can take steps to anticipate or avoid it.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

2. Distractions can be saviours: Keep your mind off it. Many people can sleep the moment they are on a plane, but typically, people with aerophobia find it difficult to relax, let alone sleep. Therefore, to keep your mind occupied, we suggest you pack many distractions. Of course, it is sometimes impossible to concentrate on something when you have high levels of anxiety. But stuff like music, movies, books, magazines helps you pass the time and refrain from overthinking.

3. Educate yourself: If your aerophobia has got nothing to do with other phobias, then you are probably paranoid thinking anything, and everything is going wrong with your aircraft mid-flight. Instead of indulging in scary, unrealistic fantasies, educate yourself on some other interesting stuff, such as the reasons behind the switched-on seat belt sign. There are multiple resources offline, and online that educate you on what happens during different flying conditions. YouTube videos are always a great help. Many airline employees like pilots and air hostesses have their channels to explain how turbulence is uncomfortable and what safety measures are taken from their side that you might not know.

Of course, worrying about a person's well-being while flying is digestible, but it would be best if you did not fuss over the possible financial loss as there is online GENERAL INSURANCE available to secure your valuables.

So, are you ready to work on your fears to enjoy a good flight this year? For sure, it won't be easy at first, but eventually, you will overcome your fear. Some techniques may be helpful to you, and some downright not effective. So, you might want to experiment a little to find a strategy that works best for you.

Click HERE to know about health insurance policies that are the 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.

A two-wheeler insurance policy covers the cost of repair and replacement for your bike or scooter. It includes theft of the two-wheeler and damages to the bike that involves paid repairing. The insurance can also provide personal accident coverage, including accidental death and partial or total disability due to the accident. You can also opt for personal accident coverage of the pillion rider if you often ride with a pillion rider. Personal accident coverage can also include paid riders if the bikes are used for commercial purposes.

Here we talk about what all is insured if your bike encounters an accident, if you have existing two-wheeler insurance for your bike:

• Accidental death –

Accidental death coverage takes care of the financial difficulties that the surviving family faces in the event of the policyholder’s demise. This coverage is extremely beneficial for families where the policyholder is the sole bread-winner, and the family is financially dependent on him/her. The accidental death coverage acts as a supplement to the term insurance policy that the policyholder may have purchased.

• Disability compensation –

A disability to the policyholder also affects the financial position of the policyholder and his or her family. The earning capacity of the policyholder may get compromised in case of a partial or total disability. This part of the two-wheeler insurance coverage addresses these concerns by earmarking a sum assured for disability.

• Hospitalization Expenses –

Many two-wheeler insurances provide a cash allowance to meet hospitalization costs in case of a two-wheeler accident. This cash allowance can also be claimed if the policyholder is required to stay at the hospital to recuperate from injuries sustained in the accident. Most insurance companies offer cash allowance for a specific number of days that is stipulated in the policy.

• Own damage coverage –

A basic third party coverage will not cover the damage to your bike. However, comprehensive two-wheeler insurance covers any type of damage that can happen to the policyholder’s bike in the event of an accident or a natural calamity. This policy covers all man-made and natural damages to the bike, along with third-party coverage. Insurance companies also provide cashless repairs facility and maintain a network of garages where you can avail of this facility. If the bike has been in a road accident, the policyholder can make the claim through traditional paper mode or opt for a video claim facility if provided by the insurer. The policyholder can make reimbursement claims even if repairs are carried out in a non-network garage.

• Third-party insurance –

Two-wheeler accidents can damage not just your own vehicle but also damage or injure a third party. This is why insurers provide coverage of a specific amount in case of damage to a third party. Besides, the disability and death of a third party are also covered in most third party insurance.

Do note that personal accident coverage is compulsory for all Two-Wheeler Insurance policies. Therefore, any harm to self in case of a motorcycle accident is sure to be covered under your existing policy. On the other hand, not all types of two-wheeler accidents are covered by a typical motorcycle insurance policy. These are unusual causes such as self-inflicted injuries, riding without a driver’s license, riding under the influence of drugs or alcohol, riding as a part of hazardous or criminal activities, riding outside geographical limits of the policy, and so on. In other words, a comprehensive two-wheeler insurance with a reliable insurer covers all the possible damage and harm resulting from an accident.

As large scale infections sweep the nation, there is a massive demand for COVID-19 related medicines and vaccines, apart from the surge in demand for Health Insurance Online . Strong immunity is vital for keeping COVID-19 successfully at bay. Luckily, apart from Zinc supplements and Vitamin C tablets, there are several readily available food items with which you can build immunity.

Here are some foods that will help strengthen your immunity to fight everything from a common cold to more concerning ailments:

1. Tulsi – Also known as holy basil, Tulsi is a highly regarded herb in Ayurveda. It is a rejuvenating herb that enhances your respiratory system and has expectorant properties that help keep your lungs clean. You can chew a few Tulsi leaves every morning or mix them with your cup of morning tea.

2. Garlic – The spice trinity of the Indian kitchen - garlic, ginger and turmeric - all find a place in our list of immunity boosters. Garlic has been used to fight infections for ages. It is known to prevent artery blockages and helps prevent cold. Garlic contains the compound allicin, which in turn contains Sulphur that is an effective immunity booster.

3. Ginger – Ginger is commonly used for inflammatory conditions, nausea and sore throat and is a well-known antioxidant. Apart from its popularity as a spice, ginger is also popular as an additive in tea.

4. Turmeric – The presence of curcumin makes turmeric a great candidate for antiviral immunity boosters. Turmeric has been used through the ages for muscle damage and inflammations from osteoarthritis and rheumatoid arthritis. Luckily for Indians, we consume sufficient turmeric in the form of a powdery additive in our curries, vegetables and gravies.

5. Citrus fruits – An umbrella term for oranges, tangerines, limes, lemons, grapefruits and pomelos that we are so fond of, citrus fruits are a rich source of Vitamin C. Vitamin C increases the production of white blood cells, which help the human body fight infections. Vitamin C is not produced by the body, nor can it be stored. Regular consumption of rich sources of Vitamin C (or citrus fruits) can also speed up recovery from cold and flu.

6. Broccoli – Most children would not be happy about this, but broccoli is a rich source of Vitamins A, C and E, folic acid, fibre, minerals like iron, potassium, calcium, magnesium, and antioxidants like sulforaphane. Easy to consume and digest, broccoli is one of those versatile vegetables that help build immunity, reduce the risk of heart disease, promote stronger bones, and better eyesight.

7. Spinach – Spinach is an excellent source of beta carotene, which helps our body fight infections. It contains Vitamins C and E which help strengthen immunity. It contains flavonoids which are known to be effective in fighting the common cold.

8. Green tea – Flavonoids are also found in green tea and black tea. Additionally, green tea contains the powerful antioxidant Epigallocatechin gallate or EGCG, which is highly effective in boosting immunity. Green tea helps in the production of germ-fighting compounds due to the presence of amino acid L-theanine in it.

9. Ghee – This is one of the most easily available items in the list. Ghee can be spread generously on chappatis or added to rice and curries. Although many people think of it as fattening, ghee is actually a good source of healthy fats, aids digestion, and is excellent for skin and hair. It contains Vitamins A, E and K, and omega-3 and omega-9 essential fatty acids.

10. Indian gooseberry (Amla) – Amla is a powerhouse of nutrients and is loaded with health benefits. It contains 20 times more Vitamin C than oranges and is an excellent aid for digestion and colon cleansing.

Our health insurance takes care of us when we fall sick (check for health insurance online today). But our food habits can ensure that we rarely fall ill. Luckily, our world is filled with fruits, vegetables and natural foods rich in nutrients, which offer an organic way of strengthening our body. In these tough times, let us embrace nature and enrich ourselves with its goodness.

COVID-19 has upended the lives of billions of people around the globe. People have been restricted to their houses for months on end, and personal and professional habits have changed considerably. It is only over the past few weeks that things might have started getting back to normal with the vaccination drives ramping up, but certain habits are here to stay. Some of these habits are related to driving. Since most people who own a personal vehicle are bound to use it for their daily commute once workplaces are reopened, it would be prudent to understand how you can protect your car from the COVID-19 virus.

Sanitizing:

The most obvious way to protect your car from COVID-19 is by sanitizing all possible surfaces in your car. It is essential that you make a note of all the surfaces that you are likely to touch inside your car while driving. This includes the steering wheel, manual gear, belt buckle, glovebox, and dashboard. Make sure that you use a medically certified alcohol-based sanitizer to clean these surfaces before you start driving. Sanitizing surfaces is the most important step that you must regularly take whenever you take your vehicle out.

Cleaning Fabrics:

Apart from regularly cleaning polymer and leather-based surfaces on the interior of your car, make sure to clean the seats and other fabric-based surfaces from time to time. There are currently no recommendations on the kind of liquid to use when cleaning these fabrics. There are several soaps and liquids that claim to purge viruses from fabrics, but these are seldom medically certified. It is sufficient to use regular soap and water to clean your fabrics for now since these also help wash away any external elements from the fabric of your seats. It is prudent to recall that when you buy Online Car Insurance , it often includes periodic servicing, which is a great feature to take advantage of for cleaning your car.

Using a Microfiber Cloth:

While it is good to clean your seat fabric and other interior surfaces of your car, it might not be practical to do this often, for example, every time you step into your car. It might be much more practical to use a microfiber cloth for cleaning. This may be a dry microfiber cloth or a damp cloth that cleans surfaces thoroughly. Non-microfiber cloths often leave scratches and marks on surfaces when they’re used for cleaning. Microfiber cloths contain minute loops that trap dirt particles in them and prevent them from causing scratches.

Wash Your Hands:

Perhaps the most important part of keeping your car and other surroundings safe from COVID-19 is to keep your hands clean. Wash your hands before you step into the car and sanitize them after getting in. This is very important to ensure that you don’t inadvertently end up acting as a vector for COVID-19 for your car or the people around you.

COVID-19 is a once-in-a-century pandemic, and it is essential that we all stay safe from getting infected and keep our surroundings hygienic enough to reduce the risk of infection. The above steps will go a long way in ensuring that your car does not become a carrier of the coronavirus. Alongside these steps, do not forget to follow the personal sanitization steps to contain the spread of the coronavirus.

It is known that COVID-19 infections spread faster in places where people come in proximity to one another. Therefore, one would need to be cautious about the threat of infection, especially in offices and other closed workplace settings. There are many commonly used areas in the office like canteens, conference halls, meeting rooms, elevators, parking lots etc., where the chances of infection are much higher. That is why every office-goer needs to consider these risks and exercise utmost precaution while in office.

While health insurance (check for health insurance online today) stands out as a basic personal precaution, there are many precautions one can keep in mind to prevent the spread of COVID-19 in office spaces. It includes general precautions like:

● Maintaining a minimum distance of 2 yards or 6 feet from others.

● Wearing a face mask or cover at all times to cover your nose and mouth. Also, remember to avoid touching these areas of your face with your fingers.

● Washing your hands with soap or using an alcohol-based hand sanitizer regularly, particularly after touching foreign objects and common surfaces.

● Covering the mouth and nose while coughing or sneezing. Spitting should be avoided altogether.

● Monitoring health and reporting it timely whenever required.

● Using the Aarogya Setu app for timely medical response and COVID-19 awareness.

Here are some precautions that can help prevent infection in office premises:

● Mandatory hand hygiene and thermal screening should be installed at entrances. Employees or visitors with suspected medical conditions should be barred from entry.

● Work-from-home should be permitted for people living in containment zones.

● Service providers such as transport and housekeeping should maintain similar rules regarding containment zones.

● Office vehicles should be disinfected at least twice a day with a 1% sodium hypochlorite solution or spray.

● Aged and pregnant employees and employees with medical conditions should not be exposed to front line work.

● Officers, staff, visitors, valet parking personnel and all other support staff should be wearing masks at all times. Valet parking personnel must also wear gloves.

● Keys, steering wheels, door handles etc. of all office vehicles should be disinfected.

● Proper permission and screening of visitors must be made compulsory.

● Meetings must be conducted over video conferencing as far as possible.

● Awareness of COVID-19 should be promoted through standees, posters and audio-visual presentations

● Crowd management within and outside office premises should be ensured, with adequate physical distancing norms.

● In case of queues, physical distancing norms and marking signs should be put in place.

● Washrooms must have an adequate supply of sanitizers, soaps and running water.

● Restrictions on the number of people using elevators at the same time must be adhered to.

● A temperature of 24-30 ℃ and relative humidity of 40-70% should be ensured in office air conditioning.

● There should be adequate cross-ventilation within the office.

● Large physical gatherings should be avoided.

● Sanitation should be maintained in washrooms, drinking water stations, and hand wash points.

● Commonly used places like doorknobs, elevator buttons, benches, handrails, and bathroom fixtures must be regularly disinfected with a 1% sodium hypochlorite solution or spray.

● Cafeterias and canteens should have their staff checked for temperature and respiratory wellness. Crowd and queue management should be ensured with adequate social distancing, including seating arrangement.

In case health issues or signs of infection become apparent, the office should:

● Facilitate isolation for the unwell person till medical attention is available.

● Inform the nearest medical facility, and confirm availability of cashless Health Insurance Online , if possible.

● Disinfect the places used / visited by the infected person in the last 48 hours, in case of one or two cases of infection.

● Disinfect the entire building or block in case of a large number of infections.

While making efforts to control the possibility of infection, offices should also work to dispel social stigma and show consideration towards the mental health impact of isolation and infection on their employees.

As millions of people have learned over the past year, time spent in quarantine can be an absolutely harrowing experience. While your physical health may not be impacted if you’ve not been infected or had a mild version of it, it can have a tangible and perceivable impact on your mental health. Human beings are inherently social animals. We love talking to each other and being in each other’s presence. Our survival depends on the cooperation between other humans and ourselves. So, when we are suddenly reduced to being in the company of nobody but ourselves, surely the effects would be felt.

If you and your family are in quarantine or any of your family members are isolated, here are some ways to support them and take care of their mental health:

Stick to a Timetable –

Even though we know the benefits of having a timetable, we are not used to adhering to these timings. Although many aspects of our lives depend on these routines, it is easy to allow mundane, every day things to get in the way of these schedules. However, the importance of a timetable cannot be understated when you are in quarantine. Having a timetable gives you something to look forward to for the entire period of your isolation. Try to pack your timetable with many fun activities to keep you engaged every day, such as reading, painting, playing an instrument, etc.

Inculcate Physical Activity –

Your physical health has a definite and perceivable impact on your mental health.

 This is why when you build a timetable, it is a good idea to include some kind of physical activity into it. Since you would mostly be confined to a room, make time for some light exercise once or twice a day. This does not need to be high-intensity exercise; just enough to keep your blood circulating and limbs moving. Exercise helps release endorphins, a very important hormone that keeps your mood up throughout the day.

Communicate Frequently –

Being in quarantine means you cannot step out of the house. Kids cannot go out to play, and you cannot go out for work or even to meet your friends and relatives. However, not being able to meet others in person doesn’t mean you cannot communicate with them. Make sure to call your loved ones frequently over video calls as well as phone calls. Quarantine can often make one feel like the distances between people are increasing. Relationships can be brought closer together simply through regular online interactions.

Limit Consumption of News –

News today is full of distressing stories of people getting infected, suffering, and losing the battle with the pandemic. Following the news closely for extended periods, especially if there are kids in the house, can be a bad idea. Negative news tends to make one feel morose and drastically reduces productivity. It is important to have an atmosphere of positivity in the house, especially during these days. One simple step is to reduce the amount of time spent watching or reading the news, and only follow it on your personal device. Let communal devices such as the television be for entertainment with the family.

Along with the above steps, to maintain your mental health, it is important to guard yourself against the virus. It would be wise to buy Health Insurance Online to ensure that you have additional cover in case the virus enters your bubble.

It is pretty easy to get insurance for new two-wheelers. Several dealerships provide a complimentary 1 to 5 year insurance plan when you buy a two-wheeler. But, what if you are planning to buy insurance for an old two-wheeler? What is the process of purchasing 2 wheeler insurance for an old vehicle? What documents and checkboxes do you need to figure out?

Let’s follow the below mentioned tips to find a two-wheeler insurance policy for an old vehicle.

1. Search your plan online:

The first step is to do some research work to get all the information pertaining to a 2 Wheeler Insurance for an old vehicle. While looking at the various insurance plans, make sure that it satisfies all your requirements. Go through all the terms and conditions, claim settlement process, renewal of the policy, premium, and information about the add-ons. You can do all this simply and remotely from your home or workplace by searching on the internet.

2. Gather all the required documents:

When buying insurance for an old vehicle, the proper documents play an essential role. These documents are valid proofs regarding the ownership of the vehicle and its physical condition. Keep the below-mentioned documents handy that are made mandatory by the Insurance Regulatory and Development Authority of India:

a. Original registration papers of your two-wheeler

b. Personal details and associated documents regarding nationality and address proof

c. Brief inspection analysis report of your vehicle.

You can also get an idea of the premium that you will have to pay for your vehicle based on the insurance plan and add-ons you select. There are many premium calculators available online. You need to pick the one having a good rating, then enter necessary information like:

a. Registration details of the vehicle

b. Model number of the vehicle

c. Current policy details (if any)

3. Read the policy carefully and proceed to make the payment:

After completing the documentation process, it is important to verify the policy documents before making a payment. Check all the details thoroughly, and you can now proceed to the payment gateway. Once you pay your policy premium, you will receive your 2 wheeler insurance policy receipt and documents through your registered email.

Note – Please have a fact check done about the company, such as CSR (Claim Settlement Ratio), time taken to process claims, testimonials from the customers and the company policies carefully before you buy an insurance.

There are few important things to be taken care of while buying a two-wheeler insurance policy for your old vehicle:

1. Note the date of manufacturing of your vehicle to get the correct premium

2. Calculation of the Insured Declared Value (IDV) of your vehicle

3. Derive the premium expected (premium lowers as the age of the vehicle increases)

Note – Don’t commit the mistake of declaring a lower IDV just for the sake of availing a lower premium. This will cost you heavily if your vehicle faces massive damage as you will not be able to claim the actual damage compensation.

No matter if your vehicle is old, it too deserves the best treatment and care. Gift your old vehicle the best available insurance coverage to help it serve you actively for more years to come.

Wish To Buy The Best Insurance Plan For Your Old Vehicle? Click Here…

This unfortunate and devastating pandemic situation has completely shaken the quality of health globally. Coronavirus or Covid-19 is leaving damage on not just the economy but also to the well-being. The health expenses involved in the Coronavirus treatment badly affects the pockets of patient and his / her family members. During this economic crisis due to the pandemic, medical costs can adversely add unnecessary stress. But, what if your existing Health Insurance covers all your expenses of Coronavirus treatment? Definitely, a wave of relief might have passed through your body after reading this. Let’s understand it further here.

Does your existing health insurance plan cover Coronavirus treatment?

So, the answer to this crucial question is YES. If you still don’t own health insurance, then purchase online health insurance today itself. The government has given clear guidelines to all the insurance firms that they need to cover Covid-19 (even if it is a new disease) under their health insurance policies and provide full benefits to the policyholders. It clearly states that if you own a health insurance plan and test positive, all your hospital charges will be taken care of by the insurance (of course with the pre-defined terms and conditions).

Some key points to be noted here:

1. You will be able to claim it only if you are hospitalized; that too, with a written recommendation by a verified doctor.

2. The minimum hospitalization criteria is of 24 hours.

3. The home quarantine will not insure your expenses.

4. If you get admission to a quarantine centre that is non-recognized, you won’t receive the benefits.

5. If you are already taking advantage of your existing health insurance plan to cover the treatment of other pre-existing illnesses, no compensation will be given for Covid-19 treatment.

6. The waiting period plays a crucial role; you can’t avail of any claim during the waiting period.

So, the bottom line is that if you are Covid positive and are admitted to the hospital with valid health insurance, you don’t need to worry about your expenses. These policies can cover your entire costs like bed charges, ICU charges, medicine bills, tests or scans, ambulance charges, depending on the policy features.

Claiming process of several health insurances.

1. Go Cashless: Most of the insurance plans provide their policyholders with the benefit of cashless claims. The policyholder doesn’t have to pay for treatment of Covid to the hospitals; his / her insurer takes care of the same.

2. ‘Pay now, reimburse later’ option: If the policyholder receives treatment by getting hospitalized in a non-network hospital, then the cashless claim will not stand valid. The policyholder needs to pay for his entire expenses at the time of discharge and later apply for a reimbursement procedure by submitting all the required documents to the insurer. Always obtain a pre-approval for the hospitalization and claim from the insurance firm.

On a conclusive note, you must have a health insurance policy in place during these challenging times of pandemic and lockdown. You can purchase online health insurance without stepping out of your houses and safeguard the health of your family and yourself.

Click Here To Check Online Health Insurance.

Two-wheelers are the easy moving, compact and sleek asset to glide through congested traffic and to move faster on the roads. But a two-wheeler doesn't just require maintenance but also requires compulsory insurance. Insurance coverage for two-wheelers got mandatory after the passing of the Motor Vehicle Act in 1988. Insurance is a shield of protection for your vehicle. It is helpful when you meet with some unfortunate incident, such as an accident or theft. In such cases, your insurance plan pays for the expenses due to the incident.

Read below the complete guide for the first-time bike insurance buyer.

Broadly the insurance plan is divided into two categories; Comprehensive Bike insurance, and, Third-party liability. When choosing bike insurance, it is important to understand the difference between the two types of policies available in India.

Third-party liability: Third-party liability is mandatory by law in India. It is limited against the coverage of the expenses to the third party only. It protects against any loss or damage caused to the third party by your vehicle during an accident.

Comprehensive Bike insurance: The purpose of this policy is to provide coverage against the own vehicle damage and the third party. It means that you have total protection against all kinds of expenses against any loss or damage caused to the vehicle or third party.

Do remember these essential features of a bike insurance policy before you buy one.

Insurance Declared Value (IDV): It is the maximum amount paid by the company as compensation at the time of claim. You should compare and research the IDV of multiple insurers before deciding the best fit for your bike.

Workshops and garage network: In terms of insurance, choosing a wide range of facilities for the vehicle is important. Select an insurer that offers a wide range of garage networks. It helps you to enjoy cashless services and much more when there is a need.

Advantage of No-claim bonus: Your two-wheeler insurance policy offers you a reward for safe driving in the form of a no-claim bonus. You are eligible to receive a discount for no-claim under your policy. If you maintain your vehicle perfectly, and drive safely, and don’t make a claim, your discount on the policy premium goes up.

Opt for a long term policy: Always go for a single policy that offers coverage for 2 to 3 years. Also, pay annually rather than monthly or quarterly. It saves you substantially on your premium.

Voluntary deductible saves you more: Voluntary deductible is the money you decide to pay for your two-wheeler future repair work in the case of an accident. By choosing a voluntary deductible, you significantly save on your vehicle's annual premium, thereby securing a policy at a lower premium.

Apart from this, it would be best to keep in mind that some cases do not protect you in any insurance plan. Not having a valid driving license, driving under the influence of drugs or alcohol, or the damage because of road rage, war, etc. do not provide you with any cover.

You can also check Bike Insurance Online for the best premium. Compare them all and choose the best fit for your bike and act smartly.

Buying Bike Insurance For The First Time? Click Here To Know More About The Best Plan.

The motorcycle ride is an exhilarating adventure that gives you enthusiasm, thrill, and a joyous feeling. But a two-wheeler ride also involves higher potential risk because of the exposure of the rider. It is important to prioritize your safety against any pleasures, and as a rider, you need to make the roads safer for others as well by abiding by some essential road safety tips.

Along with below mentioned important tips for safe riding, we also recommend you to possess a valid two-wheeler insurance coverage that offers you risk coverage against any injury to you or damage to the motorcycle.

1. Helmet before ignition

Before kick-starting your ride, ensure that you are wearing a helmet over your head. Never start your bike without a helmet; your head is the most vulnerable part. It is crucial to protect your head entirely while you are riding on the roads. Uncovered head faces the most severe damage when met with an accident. Also, remember to invest in a good quality helmet, preferably one with an ISI quality certificate.

2. Make safety gears a part of your ride

If you want to reach safely to your destination, it is advised to wear sufficient safety gear. Carelessness and mistakes on roads are not an intelligent thing to do. Shield your body by wearing motorcycle gears that protect you from debris, road rash and other elements. Knee caps, elbow guards, good riding jackets, and hand gloves are excellent accessories that can save you from serious injuries. Female motorcycle or two-wheeler riders are suggested to be careful regarding their outfit or accessories like dupattas while they are riding.

3. Your motorcycle, your responsibility

Before touching the road, basic checking of the motorcycle should be done. Brakes and clutch should be checked if they are functioning correctly. Air pressure of the tyres should be noted. Regular oiling of the gears and chain should be done. Most importantly, regular maintenance of your motorcycle should be scheduled. Take care of your bike, and only then your bike will take care of you when you are on the roads.

4. Follow the road safety rules

Once on road, you are responsible for strictly obeying all the traffic rules. Traffic rules are designed to ensure the complete safety of people when travelling on the roads. First and foremost, you should never DRINK and DRIVE. Never try to ride on the wrong side of the road, avoid overtaking, or over speeding, and always obey the traffic lights. Be a responsible rider, use the indicators on your bike before taking a turn, press the horn whenever required, maintain a safe distance from the other vehicles, and always follow the lane discipline.

5. Gift your motorcycle a good insurance plan

Try to invest in a two-wheeler insurance policy that suits best for your bike. Carefully understand the benefits of the policy, the process of claiming the insurance, and the payment of premiums. You can even buy Two-Wheeler Insurance Online that offers coverage for your injuries including medical bills, coverage for your bike, and damage you cause to others.

Keep safety as the priority and never compromise with the fun factor involved with bike riding. Loss of a bike can be compensated, but the loss of life cannot! Also, when you are on the road, you are not just responsible for your safety but also for the people around you.

This pandemic situation has yet again given us a wake-up call to be alert and handle the matter of health wisely. The truth is that health is one of the crucial aspects of our lives. No compromises should be made when it comes to your health and the family. In this Covid-19 situation, any health insurance can be a “Sanjeevani” for ensuring efficient health benefits and hassle-free financial backup at the time of medical emergencies.

But, with the number of options that keep growing, finding the best Medicare plan for you and your family can be overwhelming. A common question people ask is, “How to choose a Medicare plan that will fit perfectly as per our needs?”

The answer lies within little understanding of what all to be included in the Medicare plan. So, the first step is to list down your requirements and expectations before deciding on an ideal Medicare plan. Consider these five things to help you find the best Medicare plan or buy Health Insurance Online in 2021.

1. Family floater plans for your dear ones

This is an ideal insurance plan to invest in if you are aiming to provide healthcare benefits to your entire family. Through this Medicare plan, all your family members will be insured under a single plan, and that too by paying just one single yearly premium.

2. Medicare plans for the aged

Old age invites a number of health problems. With increasing age, the body's immune system weakens and makes it vulnerable to issues that can even turn severe. Ensuring the health of the elders and the aged members of your family should be your utmost priority. There are multiple Medicare plans for senior citizens that offer a wide range of benefits to older people. Be the support system for the aged by selecting the best senior citizen Medicare plan for them.

3. Don’t miss the Accidental policies

It is advisable to buy an appropriate accidental insurance plan to compensate for the hefty treatment cost involved in case of accidents. Accidents are unforeseen and unpredictable, so we should stay on a safer side and be prepared beforehand.

4. Severe illness Medicare plans are critical

Medicare and insurance plans for severe illnesses are equally important. If a policy is already purchased, people suffering from those illness and crucial life-threatening diseases can benefit from these plans. They can undergo the suggested treatment, medication, surgeries or transplant without worrying about the expenses.

5. Booster packs to the rescue

Top-ups and super top-ups can bring cost-effectiveness to your Medicare plans. You can avail these booster packs at the time when your existing health insurance plan has exhausted, but still, there is an emergency. During such circumstances, these top-up plans can come to your rescue that too at lower premium rates.

Hopefully, you now have clearly understood the various Medicare plans that you can invest in along with their benefits and purposes. On your part, do detailed research of the different aspects of health insurance and, accordingly, pick the best Medicare plan or buy health insurance online.

Two-wheeler thefts are very common. Bikes or scooters parked without proper safety can catch the eyes of thieves giving a chance to steal them away. You would never want your prized two-wheeler to fall victim to the cunning thieves. You can never predict the mischievous mind of the thieves, but you can safeguard your two-wheeler from getting stolen. How can you keep your bikes safe from theft?

Here, we have five important tips for you to prevent two-wheeler theft.

1. The handle of your two-wheeler should always be locked

The majority of people usually take this thing lightly and don’t lock the handle of their two-wheelers. Although handle locks are not considered fully safe, if your two-wheeler has different ignition and handle locks, it definitely falls under your favour. Remember that locking the handle acts as the first wall of defence against thefts.

2. Lock your two-wheeler with something heavy

For a gang of masterminded thieves, it is a cakewalk to tow your two-wheeler easily and disappear. To prevent this, lock your bikes or scooters and anchor them to something rigid and heavy. This way, you can put the thieves in great distress and disappointment too.

3. Quality external locks can be the saviours

Purchase premium-quality chains and external locks that can be tough to be broken. The material of the chains and the locks must be so strong that even after trying multiple times, the thieves should ultimately drop the plan of stealing your two-wheeler. Preferably use multiple locks, and if possible, use a lock that comes with an alarming buzzer.

4. Stay alert and cautious

Sometimes, we need to think like a thief to crack his mind. Usually, thieves keep a close watch on the two-wheelers that stand at the same location daily. They swiftly note down all the key points like the timing of you returning home and then plan a perfect time to grab an opportunity to steal your two-wheeler. So, you need to be careful and try to cover your two-wheeler with a cover to avoid the unnecessary attention of the thieves. Also, opt to park your two-wheeler at different locations, or well-guarded locations, if possible.

5. Insurance can protect you from loss

Buy a comprehensive insurance plan for your two-wheeler to ensure that there is no financial loss even if your two-wheeler is stolen. Two-wheeler insurance can allow you to claim your money in case of theft. You just need to register an FIR and later submit it to the insurance company along with other policy papers. Due to the ease of the internet, you can easily buy Two-Wheeler Insurance Online., Not only it is convenient and fast, but in some cases, the additional cost is being waived off in buying two-wheeler insurance online.

On a conclusive note, you need to be vigilant enough to outsmart the thieves. Follow the aforementioned tips to keep your two-wheelers protected from getting stolen. Also, don’t forget to choose two-wheeler insurance for financial security and peace of mind. Your two-wheeler is your responsibility, be a responsible owner and do the best that you can to keep your bikes or scooters safe.

Owning a car is one of the crucial investments that we make. But just buying a car is not sufficient; it is equally important to keep it well maintained. Maintenance and repair is something your car will demand in regular intervals. As we humans too need health check-ups to be active, similarly, your car needs proper maintenance to run smoothly. By taking little time for routine maintenance, car servicing and timely paying your private car insurance online prevents several problems with your vehicle, from minor to severe.

Keep reading to know the six benefits of regular maintenance of your car:

1. Improved safety

Timely maintenance and repair work of your car can enhance the overall driving experience. You will experience a safer ride on the roads and even minimize the chances of your car breaking down during your journey. Regularly checking the parts of your car can help you detect any faults beforehand so that you don’t have to face them while on road.

2. Performance upscaled

For a flawless and smooth driving experience, safety and performance should go hand-in-hand. Maintenance services can help you boost the performance of your car significantly. Get your car washed inside out, especially keep the carburettor dirt-free, and check the levels of all the essential fluids and oils that are an important part of lubrication. Don't miss out on the engine oil, brake oil, tire traction, steering stability, and brake pads. All these bullet points can make your dream machine perform to its best.

3. Less load on your pockets

Maintaining your car regularly can avoid the occurrence of major issues or breakdowns. Deal smartly and invest in bits to keep your car in order to prevent a sudden hefty maintenance cost later. Also, if your car is taken exemplary care then it will not waste the crucial fuel drops. Effective fuel consumption and improved mileage are observed in well-maintained vehicles. Long road trips will no longer be costly as your car will have a good mileage.

4. Time will be valued

If you show leniency in maintaining your car, then no wonders that you might face severe consequences. Heavy unexpected breakdown and wearing out of parts can occur, which usually are time-consuming to be fixed. Usually, major faults demand a couple of days to be rectified. You surely won't be happy to see your car standing in the garage for weeks. It may be problematic to deal with your daily errands without your car at your service, even for a few days.

5. Expect a good resale value

By selling your car in the pink of its health, you can expect a good resale value for your vehicle. You can earn an attractive amount in return for your car only by assuring your car's well maintained condition to the buyer.

6. Lower premium for your online car insurance policy

Your private car insurance is not a fixed amount, however, a well-maintained car with no accidents indeed is the key to getting lower car insurance. When you renew your private Car Insurance Online , you can almost always get features like no claim bonus and lower annual insurance cost.

Given that maintenance expenses can sometimes be high, there are things (some of which were mentioned above) you can do both today and over time that will keep your car happy, and in return, it will take care of you.

We all wish to have a healthy life and stay fit to live a long and happy life. Investing in a healthy life can give you excellent benefits. How many of us know that a healthy lifestyle can be a friend to our waist and wallets? And, how can your “Stay fit” formula save you money? Let’s quickly understand how a healthier lifestyle save you money.

1. Say NO to addictions:

As the termites eat the wood and make it hollow, similarly, addictions eat a human’s body and make it useless. Quitting alcohol, smoking, drugs, or consuming other tobacco products can forbid you from falling prey to severe health issues like cancer, heart, kidney, and fatal liver diseases. It will not just save your life but also cut down the unnecessary expenses required for the treatment of these life-threatening health issues. Just give this a thought before you smoke or drink the next time!

2. Cut down the use of personal vehicles:

Learn to say no to travel by your personal vehicles. Instead, opt for a quick bicycle ride or walk to travel in and around your locality whenever possible. Even to travel to your workplace, opt for public transport. These small but efficient measures can put less pressure on your pockets and at the cost of staying fit. You can majorly save on the fuel price, maintenance cost of the vehicle, and toll taxes. Isn’t this a great low investment strategy leading to substantial health profits?

3. Bye-bye JUNK:

A harsh reality is that we all fantasize about fast food (junk), packaged products over homemade and fresh food. It only increases your food bills and shoots irregularities in your body as an effect of eating junk. Even doctors and nutritionists recommend that for a healthy life, a healthy diet is crucial. Be on the side of fresh home-cooked food and rely on organic products, you will observe that you are not over-budgeting.

4. Pay attention, not bills:

Your body needs attention too; it too demands maintenance, and this should not be neglected. Due to our hectic routines, disturbed diet, and irregular sleep patterns, our body suffers a lot. But, by exercising daily, we can keep those bones and muscles active and control the damage. Don’t forget to meditate a bit for your brain to feel fresh. If you responsibly pay attention to your body, you can do a lot for your savings. This way, you can avoid ample money that usually is washed away for medications.

5. Absorb the benefits of insurance:

The best investment is health insurance and life covers. Insurances can add exceptional value to your life due to the practical benefits that they come with. Lesser payable premium is an advantage to investing in insurance policies from an early phase of life, especially for non-smokers and healthy people. Nowadays, technology has made things so convenient that you can buy Health Insurance Online and avoid paying additional charges to the agents. So, don’t delay to secure your life and wallets too.

Each day, by practising a healthy lifestyle, you tend to eliminate hefty expenses. Focus on your wellbeing by considering it an integral aspect of your life, and never miss out on any chance pertaining to healthy lifestyle that can help you save money.

How many of us can address the problems that arise unexpectedly in our car’s heating and cooling system? Not most of us are skilled to do that. We usually call the mechanic without even trying to figure out what exactly went wrong initially. In most cases, the underlying problems about the heating and cooling system are not difficult to detect and fix. Regular car maintenance and understanding these issues can prevent the potential repair cost and claiming of car insurance. So, let’s understand the DIY list and save big on these costs.

Heat is dispersed inside our car through the heat core. This device diverts hot radiator fluid, generating heat that hits the fan, which ultimately blows it out into the cabin. So, if there is an issue regarding the heating of your car’s cabin, then;

1. Check with the radiator hoses for any leaks

Leaking hoses can lead to overheating problems, especially if you haven’t changed them for a long time. If your car has aged, then it is advised to regularly check with the hoses and replace them if needed. Also, look out for the radiator fluid, whether the level is sufficient or not!

2. Heat core can be non-functional

In some cases, the fault is being detected in the heat core, which is the primary source of heat generation. No need to worry if your heat core is problematic. Visit a nearby automobile garage and get a new heat core installed.

3. Feel the fan for heat

You can manually touch the fan or blower to check if it throws warm air out of the duct. Sometimes due to overheating, the fans face physical damage. If this is the case, then get a new fan for your car.

4. Avoid clogging of the exhaust

If your car’s exhaust is jammed then it can lead to severe heating issues. Take care of the exhaust and always keep it clog-free.

If your car faces a cooling problem then;

1. Address the fluid leakage

The anti-freeze fluid can experience leakage due to faults in the valves responsible for the passage of this fluid. Leakages are easy to detect physically and can be fixed without any haste.

2. Refilling the coolant

The level of cooling is directly proportional to the level of coolant in the car’s system. Maintaining the appropriate level of coolant mixture is essential for the delivery of adequate cooling.

3. Something up with the thermostat

The thermostat is responsible for regulating the flow of coolant and temperature in the car’s engine. The opening and closing mechanism of the valves of the thermostat are crucial for unified heating and cooling effect. So, issues with the thermostat can lead to irregular cooling. Also, don’t leave the water pumps dirty. Wash out the residue clogging the passage of the coolant throughout the engine.

Your car gives you hints too. Just be alert and catch those hints at the right time to address the problems before they get worse. To give your vehicle a long life and improved performance, never neglect its heating and cooling issues. These small tips can reduce your maintenance cost and annual Car Insurance premiums in a big way.

Insuring your motorbike the day you buy it, is often referred to as a thumb rule. However, the entire process of selecting and buying an insurance can be confusing, especially when you have to approach different agents & collect all those brochures.

Interestingly, the days for approaching an agent, getting multiple brochures, analyzing them, and buying the insurance are gone. Now, all you need to do is purchase your two-wheeler insurance online over several clicks. There are many companies that are providing you with instant insurance through online mechanisms. You can also choose to just call the customer care of the concerned company, give them the details through the mail, and you will have your insurance in no time.

What to buy?

There are mainly three types of two-wheeler insurance: comprehensive, third party, and standalone. These three types of insurance come in two varieties- short-term one-year policy and then the long-term policy that extends from 1 year to 3 years.

● Prevent Any Large & Long-Lasting Injuries: While the short-term insurances might seem tempting due to their lower premium amounts, long-term insurances provide you better benefits. Interestingly, buying long-term plans saves you ‘three’ renewal-free years, and that’s just one of the many benefits. Want to know more? Let’s get started!

Benefits of buying long term insurance:

1. No yearly renewal - When you buy long-term two-wheeler insurance, you don’t have to worry about renewing it every year. Sometimes you may miss the deadline for renewing the insurance; there may be extra charges for renewing the insurance after the deadline.

2. Penalties and charges - If you forget to renew your yearly insurance, you may face heavy fines and penalties if you ever get caught by the traffic police. Lapsed insurance attracts heavy fines due to non-compliance.

3. No claim bonus - You are entitled to receive bonuses if you haven’t claimed in a year. This is called the non-claim bonus. Long-term insurance is perceived to be expensive but the real fact is that it has got a lot of monetary benefits.

4. Attractive discounts - When you buy Two-Wheeler Insurance Online , you are ought to receive discounts in some or the other form.

Ways to buy a two-wheeler long term insurance:

1. Online - This is the best and the easiest way to procure two-wheeler insurance. When you buy two-wheeler insurance online, the main benefit that you get is that you eliminate the need for physical documentation. The Covid-19 era made it more crucial to procure insurance through online means because meeting with the agents physically doesn’t seem viable anymore. The insurance companies are resorting to mediums that will help the customer and the agent connect through the mode of chats, telephonic conversations, etc.

2. Agent - This is the oldest way of buying insurance that allows you to purchase insurance through an agent who handles all your formalities and claims documentation in this option. In this process, the agent charges you a commission for his work. It is a little less feasible option. This works as a suitable option for those who are not aware of online mechanisms and mediums’ mainly the old age group.

Conclusion

The benefits of buying two-wheeler insurance are immense. Starting from staying relieved from renewals for longer terms, to paying them at your convenience, going online is the best option. We are going through a pandemic that has taught us that it is crucial to adopt the online mechanism of anything available. Remember, besides striking great deals, the main reason to adopt an online mechanism is the safety parameter in terms of your as well as your family’s health.

Quick tips around buying a long-term insurance policy:

● Assess all your needs before selecting the insurer

● Read all the scheme related documents carefully

● Buy an insurance cover that you can afford

● Since you are buying online, ensure that you compare all the term benefits by different insurers

Two-wheeler insurance or bike insurance is one of the essential tools that you need to invest in, for your vehicle. Interestingly, many people consider buying an insurance policy, even before receiving the delivery of their motorbike. One of the most highly purchased insurance schemes, two-wheeler insurance, is protecting your scooter, bikes, or mopeds.

It acts as financial protection for covering the damages or losses that may arise if your vehicle gets into an accident or gets damaged under multiple instances. Interestingly, this type of insurances also covers the vehicle’s repairs, third-party damages, etc., that may arise due to a Force Majeure event.

The recent motor vehicles act 2019, has made it mandatory to have at least third-party insurance for your bike.

Types of two-wheeler insurance:

1. Third-party insurance - As the name suggests, this type of insurance covers the compensation that may arise as a loss to you if you injure or kill someone due to an accident. This basic category of insurance covers all types of third-party liabilities. Although, third-party insurance doesn’t cover any expense for the damages of the insured’s vehicle. According to MVA, 2019, it is mandatory to have this category of bike insurance at least.

2. Standalone - The name makes it obvious; this category of Bike Insurance covers only the losses incurred to repair the insured’s bike. This category doesn’t cover the third-party liabilities that may arise as a form of injury or death. This is not a preferred category of two-wheeler insurance.

3. Comprehensive - Comprehensive bike insurance covers everything, the damages for the insured’s bike and the third-party liabilities. This is the most popular among all of them and the most preferred one. The best services, will always advise you to purchase this category of insurance.

There is a long-term bike insurance policy as well, which is generally known as multi-year two-wheeler insurance. This insurance, as the name suggests, carries on for few years. This insurance category’s advantages are no claim bonus, no policy lapse charges, and many more. You can get a year-long or multi-year insurance for all the above types of two-wheeler insurance.

Benefits of two-wheeler insurance:

1. Psychological - The major benefit of having two-wheeler insurance is that you are psychologically relieved from the tension and stress of any unforeseen circumstance regarding your bike. You stay assured that you don’t have to bear the losses alone; you have support from your insurance provider.

2. Legal compliance - The government has made it mandatory to have third-party liability insurance for any of your vehicles. Thus, when you own this category of insurance, you are complying with the government’s regulations.

3. Easy to buy and access - Everything related to two-wheeler insurance can be done online, which means that you can buy two wheeler insurance online in India as well as through the agent. You can also claim two wheeler insurance online in India.

4. Third-party liability - We have already mentioned this point several times. When you get into an accident, the biggest thing that will bother you is the third-party damages and losses. Two-wheeler insurance covers all that.

5. Protection against natural calamities - Natural disasters are uninvited! Your vehicle could get caught under several such instances (fire, landslide, flood, cyclone, earthquake, etc.). Having two-wheeler insurance saves your money against such calamities and covers your ride over such instances.

Final Words

What you need to understand is that this is not mere compliance with the authority. It is, in fact, a safeguard for your future. When you buy two-wheeler insurance from a good company, you ought to remain stress-free. And if you don’t, you might face multiple difficulties due to accidents. The biggest of them being the third-party liability, damage, and losses. Insurance can safeguard you from the pressure of the third party.

Tip: Before you decide to buy two-wheeler insurance, it is always advisable that you decide to have a pre-planned budget on your mind.

The first task after buying a car is to get it insured. These insurance tools assist you in case of any damage or accident. Today, some of the best car insurance companies in India offers prompt service to clients in case of any mishaps. While the benefits of having insurance are known to most car owners, there is something more that you may need to know to make the best out of your insurance.

The best car insurance company in India would offer you the best insurance deals. But still, there can be limitations. You need to go through the terms and policies thoroughly before buying insurance. You will always find some restrictions no matter which insurance company you choose. The point is that you need to be careful about claiming the insurance. You need to know how to maximize the result despite the restrictions.

What are the situations when you need to rethink claiming insurance? Let us look into how you can utilize the facilities properly and make the insurance’s maximum use.

● When the car damage is minimal and it is a single-car accident - Car Insurances are generally claimed during severe damage or harm. When you are the only one involved in an accident, you may consider paying from your pocket in case of minor damage. You can save your premium insurance service and also avoid an insurance rate increase.

● When the amount is the same or less than the deductible amount - Even the best car insurance company in India provides a deductible amount. You need to calculate if the repair cost would be similar or less than the deductible amount. If this is the case, it is wise to avoid claiming insurance. You would need to pay after the amount exceeds. Thus it is better to save the insurance for the future and pay on your own if the damage is minimal. Don't claim insurance in such a situation as it would unnecessarily occupy your claim history and obstruct premium facilities.

● When you can settle with the other party - There can be situations when you get involved in an accident with another vehicle. Pay the repair cost if the damage is minimal. Try not to claim insurance in such a situation when settlement is possible.

● When your vehicle is old and you do not need a polished vehicle - You can simply ignore the minor scratches or any dents or dings if your vehicle is old. You can save money by avoiding the repair of insignificant and small damages and keep the insurance for further usage.

However, there are two situations when you must report the accident to your car insurance company in India:

• If the accident is major and caused significant damage to vehicles and individuals, you must report to the police station and inform the insurance company. Don't settle major cases between parties.

• Do report the case to the insurance company if any individual get an injury. This will secure financial aid for the treatment.

Conclusion

Save your car insurance for accidents that you may not handle by yourself. Act wisely and utilize the insurance opportunities properly. Lastly, make sure that you have all the required documents in place.