GENERAL INSURANCE BLOG

Driving is a tricky activity that requires extreme responsibility. One minor mistake can land you in serious trouble. It is always advisable to take extra precautions while driving. Be it a two-wheeler or four-wheeler, one should be cautious while driving, such as following all the traffic rules and being mindful of your surroundings.

Driving along heavy vehicles can be challenging, as they are different from other vehicles. They are so heavy that the controls are not always in the driver's arena. It can become dysfunctional and cause havoc on the road. Therefore, driving carefully around heavy vehicles is always recommended to avoid collisions.

Drivers of light vehicles must always be on high alert when around heavy vehicles. While collisions between vehicles of any size are disastrous and result in significant physical, mental, and financial damages, one between a heavy and light vehicle can be catastrophic.

Purchasing motor insurance from a reliable motor insurance company and following the below-stated tips can help you safely and confidently drive alongside heavy vehicles.

1. Always maintain distance:
Heavy vehicles can be intimidating to drive alongside, even as a beginner or an experienced driver. Crashes are common when other cars are driving too close to them. You need to maintain a safe distance from all heavy vehicles. Additionally, you should always maintain adequate distance from other cars as well. This will give you ample time to apply the brakes in an emergency.

2. Do not overtake:
Trucks or loading vehicles require a lot of space while turning on roads. It also prevents them from looking at the rear end of the truck. Your car can hence fall upon the blind spot. To prevent this, you should always give the heavy vehicle enough time to turn completely. Refrain from overtaking these vehicles or turning quickly in front of them. Slow down and wait for them to pass.

3. Have a firm grip on the steering wheel:
You must maintain your grip on the steering wheel. Air turbulence is created whenever a heavy vehicle is driving in front, which can be a problem for your car. Large vehicles can also throw loose gravel, dust, or snow that can hinder your vision. You need to be mindful and aware while driving behind them. Ensure that your windshield wipers are functioning properly to maintain proper visibility. Use horn, passing light, and indicators appropriately to ask for a side.

4. Be mindful of the lanes:
It is always recommended to follow the lane rule or discipline diligently while you drive on the road. This also means that you should not shift lanes hastily. It can lead to accidents sooner than later. It is because trucks take time to move and slow down. They may not see your vehicle approaching if you instinctively shift your lanes. As they will have no time to react, this can be dangerous for both vehicles.

5. Night time rules:
The night time is already tricky for driving, but heavy traffic makes it more challenging. With heavy vehicles in sight, the situation can get worse. Night time observes heavy truck traffic, making it daunting for cars and bikes to navigate. It is recommended not to use high-beam headlights at night. It can blind the vision of the truck drivers resulting in an accident.

You must follow these guidelines carefully while driving alongside a heavy vehicle. Although challenging, staying safe and sound while driving around them is possible. While a comprehensive car insurance policy from a motor insurance company protects you from the costs of an accident, it is better to be safe than sorry. Always follow safe driving practices irrespective of the time and ensure that your car insurance is active.

Click HERE to buy the best insurance from a reliable motor insurance company.

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.

Insurance policies can be tricky! You need to fully understand the policy terms & conditions before you sign the dotted lines. The government has set up many regulations to implement insurance rules in India efficiently.

Hence it becomes imperative to fill out the insurance policy papers yourself. If you do the formalities through an agent, you might face problems later. You need to know everything about the premium, risks, disclosures, etc. This can also cause the claim to be rejected in due time, which can be devastating, especially if you're in an emergency.

You should always be cautious about everything that you disclose to your insurer. This involves the disclosure of your materialistic goods, qualifications, medical history, income, bills, and so on. The more you disclose rightfully, the better. It is vital for all health and general insurance India. So, regardless of the insurance you're applying for, disclosure is essential.

Let's look at the things to disclose to your insurer while taking a policy or filling a claim, as they increase the chance of a successful claim.

1. Income:
It is one of the best things to be disclosed early on. Your income needs to be revealed whether you're employed permanently in a company or as a freelancer. The job designation, salary, and experience are also taken into consideration. The more experience one has, the greater their expertise. This also means that they are not eligible for hazardous work. All this contributes towards a successful claim.

2. Material possessions:
It is essential to disclose all the material assets that you have. From your house to your car, you need to declare them all. It also involves any land that you own. You should disclose anything materialistic as well as expensive at all times. Adding them later while raising a claim decreases your chance of getting a successful claim.

3. Occupation:
Your occupation directly correlates to occupational risk. It assesses the risk of accidents and even the wellness of an individual. The work done by the individuals is of prime importance. It helps in determining the claims as well. The risk assessment of a particular occupation also affects the premium paid by the individual for a health insurance policy.

4. Medical history:
Insurers give the medical history of the individual prime importance. It provides a brief insight into the history of illnesses an individual has suffered and the risk they bear. If it is more severe, the premium will go up significantly. Serious issues like heart disease, hypertension, and diabetes can increase the premium. They must be considered and disclosed to ensure you purchase the right policy with appropriate coverage that leads to successful claims in case of contingent events against which you are insured.

5. Family history:
This is an essential element that will determine the extent of the illnesses in individuals. If there are genetic disorders, it will also mean that the individual is at a greater risk of developing them. It can make the insurance company more cautious while assessing the individual's health or life insurance risk profile. Incorrect disclosure or misrepresentation of such facts leads to the rejection of claims.

You should reveal these critical elements to implement a successful claim. Material disclosures are of utmost importance as they determine the success of a claim. If not disclosed at the right time, they can cause problems later. You must follow these rules diligently while purchasing non-general and general insurance India. Good luck!

Click HERE to buy the best general insurance India.

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

Most people own numerous credit cards from single or multiple banks. While using a credit card does give you a specific advantage, not paying its dues on time can affect your loan and premium.

Have you heard about credit scores? A credit score is a term that describes a debtor's credibility, which is evaluated before availing of any financial services provided by banks or private finance companies.

Whether it is about taking a loan, applying for a credit card, or purchasing insurance, your credit score matters. It is considered to keep a high credit rating to ensure motor insurance India with a lower premium. Let's learn more about your credit score and how it affects your chances of lowering your premium charges.

What is a credit score?
A person's capacity to make timely debt payments is indicated by their credit score. In other words, a credit score is a numerical reflection of your creditworthiness. It is determined by several factors, including:
● Current loans
● Currently available credit
● History of repayment of loans and bills

Any bank will label a customer's credit rating with a numerical score ranging from 300 to 900. A person with a higher credit score is more likely to receive loan approval rapidly. Your credit score defines the level of financial risk you may represent to a financial institution when you seek a loan or insurance.

As mentioned above, an individual with a better credit score will likely get a car loan and insurance quickly. Moreover, they are also eligible for a lower insurance premium. Therefore, improve your credit rating for maximum benefits before applying for a loan or insurance.

How can your credit score lower your car insurance premium?

Banks and other financial institutions look for people with higher credit scores as they are more likely to pay their dues on time. Besides getting better loan options with a higher credit score, banks give insurance plans at lower premiums.

As a corollary, a low credit score may make you pay a higher premium for motor insurance India. Check your credit score, see what factors are affecting it, and identify what changes you can make to improve it.

How to check your credit score?

It only takes a few minutes for anyone to check their credit score online for free. Enter the essential details like name, mobile number, bank name, etc., and the tool will quickly determine your credit ratings.

While the free tool gives limited information, a paid tool with premium services gives exhaustive information about your credit score and tips to improve the ratings.

What is a good credit score?

A credit score of around 750 or above is considered a good credit rating. The higher your credit score, the more your chances of getting loan approval and better insurance plans. While increasing your credit score may seem challenging, you can improve it in minimum time with better planning and information. Here are some tips you can follow to improve your credit score:
● Always maintain your Credit Utilization Ratio within 30%
● Avoid using multiple credit cards at one time
● Ensure not to apply for loan applications in short periods
● Reduce the number of loans
● Pay loan EMIs and credit card bills on time
● Use credit cards within manageable limits

Besides these, you can talk with your bank to learn different ways to improve your credit score. It is necessary to keep your financial records as clean as possible as it impacts your credit ratings. Check your credit history today and work on the items that need your attention to reduce your premium for motor insurance India significantly.

Click HERE to buy reliable 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.

Your house might look clean, but is it completely dust-free? If you look closely in those corners, you will realise how much dirt has piled up. The filth in the tricky corners of your house is hard to clean and might eventually result in health issues due to the lack of hygiene.

Dust allergies are the most common problems faced in such situations. It becomes difficult for an allergy-prone person to live a normal lifestyle amidst unclean living premises. If you ignore cleaning dirty sections of your home, then it creates clutter. This impacts mental and physical health, affecting your behaviour, work, etc.

Having discussed some downsides of dust accumulation in the nook and corners of your house, it is essential to understand the solutions to the already identified problem. This blog will discuss the best ways to clean the problematic corners or sections of your house, so it remains clean and hygienic.

1. Be watchful about those spiderwebs:

Spider webs can be the bane of cleaning. They are challenging to remove and grow even in the narrowest corners of the house. The sticky spider webs also impact the appliances like fans that are often not cleaned.
You can use a dusting cloth with an extendable arm or handle to reach high and deep corners of your house. The cloth fibre will collect and clean the dust instead of scattering it around.

2. High cupboards and cabinets:

Cleaning the upper surface of high drawers, cupboards and cabinets is tough to perform. You will need a ladder and equipment which can pivot. This would help you reach far away corners and edges of the surfaces of various furniture.
You can use a microfibre or dusting cloth to clean the cupboards and cabinets so that the dust does not get scattered. Cleaning fluid can be formulated by mixing up dishwashing liquid, water, and ammonia commonly used in households. This can give you cleaner and shinier surfaces.

3. Cleaning the sinkholes:

All the remaining leftovers from your plates are usually accumulated in the sinkholes. If the size of the bits is less than the holes, they pass through the pipes. If not, they end up on the surface of the sink. It also results in the unnecessary clogging of the drainage pipes.
If not taken care of, they might release bad odour and even attract insects. You can use rubber gloves to remove the leftovers from the sinkholes and use cold running water to clean. Using baking soda or citrus peels to remove the foul odour is a good home remedy for sink issues.

4. Don't forget the washroom crannies:

Whenever you go to the washroom, take a closer look at the crannies. You will see spots that are difficult to remove. If not cleaned in time, these spots can get stubborn and are impossible to eliminate.
But don't worry. You can start by using a dry brush to scrub off the upper layer of these marks and spots. Use a cleaning liquid or warm water and soft scrub. Later, gently rub the surface to eliminate the layers steadily. And then, use a vacuum cleaner to suck the debris before giving the space a final wash with water and detergent (if needed).

Deep corners are home spaces that are neglected while routine cleaning and later create hygiene problems. Using these methods, you can easily access the difficult corners and ensure that your home is clean to its core!

Apart from deep cleaning, your objective must be to ensure your home's safety. Won't it be wise to discuss options to safeguard your home against large-scale unprecedented circumstances? There can be multiple situations that can be challenging for your house. To protect your safe abode, you must purchase the best home insurance policy in India to get the best coverage at the time of need. Magma HDI's home insurance is your best advantage to have safer homes and good peace of mind.

Click HERE to learn more about the benefits of India's best home insurance policy.

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.