GENERAL INSURANCE BLOG

Millions worldwide suffer from back or neck pain occasionally or regularly. A healthy spine is as essential for our body as oxygen is for living. Poor spine health can result in strained muscles, spinal ligament injury, ruptured discs, or spinal stenosis, generally caused by age-related wear and tear.

It can cause severe pain in the back and make you unfit to do your daily activities properly. In the long run, poor spine health can make you depressed and downhearted and cause immense psychological distress.

Hence, it is vital to maintain optimum spine health. Here are a few tips for doing the same.

1. Exercise:
Proper and regular exercise is essential for optimal spine health. Create and follow a simple exercise schedule every morning or evening as time permits. The exercises should stretch and strengthen your back, hamstrings, and abdomen muscles.
Targeted exercise under proper supervision can also reduce inflammation. It will accelerate your healing process and rehabilitate your injured spine.

2. Sitting and standing posture:
It is essential to maintain the correct sitting posture for optimal spine health. Your sitting posture should support the arches of the natural curves of your spine. Failure to do so can damage your sensitive spinal nerves and cause pain. Get a proper adjustable chair at the office and home to help you maintain the correct posture.
You should take regular breaks and stand several times daily to maintain a neutral spine alignment. Keep your back straight while standing. A slumped posture can hurt your spine in the long run. Also, frequent breaks will keep your spine in motion, keeping it flexible and limber.

3. Correct sleeping posture:
It is vital to maintain correct posture while sleeping as well for optimal spine health. Ensure that you have proper lumbar support with a good mattress and supportive pillow so that your back and neck are not strained while sleeping. You should also avoid sleeping on your tummy as it can strain your spine and cause injury and pain in your back.

4. Lift heavy objects properly:
It is important to lift heavy objects with proper caution and care. When you lift a very heavy object, you put tremendous pressure on your back and spine. It may lock your spinal joints or rupture your spinal discs. You should keep your back straight, bend down on your knees and use the power of your legs and abdomen muscles to lift a heavy load. This will reduce the load on your spine.

5. Do not over-exercise:
Do not over-exercise or engage in any activity or rough sports activities that can put unwanted pressure on your spine and hurt it. Consult a doctor immediately and take expert guidance if such a situation arises.

6. Yoga:
Performing yoga can be an excellent way to maintain optimal spine health. Several yoga asanas help to stretch and strengthen your back muscles, helping to keep your spine in good shape.

7. Massage and heat therapy:
Massage relieves back pain by improving blood circulation, restoring spinal motion, increasing endorphin levels, and boosting happiness. Also, massage helps to cure insomnia. You can also go for heat therapy for your back muscles. It increases blood flow and reduces muscle and joint pain around your spine.

Optimal spine health is a must for your fitness and overall well-being. If not maintained, it can lead to several back and neck-related problems resulting in difficulty while performing routine activities. Follow the above tips to maintain optimal spine health.

Other than the above tips, health insurance is a must to protect you from health hazards. It will give you comprehensive coverage and security if you require medical assistance and hospitalisation due to spine and back-related problems. Go for the best health insurance plans in India to enjoy the best medical treatment with hassle-free insurance coverage and protection.

Click HERE to invest in the best health insurance plans 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.

Besides its legal obligations, bike insurance can help you avoid paying heavy amounts for any damage, theft, or mishaps. But if you buy two wheeler insurance online, you must look for the various coverages the insurance policy provides. What if your two-wheeler catches fire because of an accident or other disaster? Will your insurance policy cover it?

Fire can cause minor issues, such as wire or seat damage, or even the total loss of your vehicle. Repairing significant damages or even a total loss may cost you a fortune, as you have to pay a considerable amount for repair or replacement. Thus, it would help if you had a bike insurance policy that offered you financial assistance for the damages caused by the fire. This quick guide will help you know whether your bike insurance policy covers fire damage.

Which two wheeler insurance covers fire damage?
There are three main types of bike insurance, but coverage of damages depends on the type of policy you pick. However, here is a list of bike insurance policies and the range of coverage that each policy provides.

Comprehensive bike insurance:
Comprehensive bike insurance is one of the most popular types of insurance due to its wide range of coverage, and it covers both own damage and third-party damages. Besides covering fire damage, this two wheeler insurance policy covers the following damages:

● Third-party injury

● Vehicle theft

● Accidental damages

● Third-party property damage

● Death of the third party

● Natural calamities damages

● Artificial calamities damages

Standalone bike insurance:
A standalone own-damage bike insurance policy only covers the damage to your bike. Here is the list of coverage this policy allows:

● Damage caused due to fire

● Bike theft

● Natural calamities

● Accidental damages

● Artificial calamities

Third-party bike insurance:
Third-party bike insurance offers coverage for the injury or damage of a third-party vehicle. However, this insurance does not cover the damages to your bike, including fire damage. But, having this policy is mandatory by law:

● Third-party injury

● Third-party property damage

● Death of the third party

Inclusions and exclusion of fire damage in two-wheeler insurance:
When you buy two wheeler insurance online, you must know the terms & conditions and the coverage for fire damage. Here is the list of inclusions and exclusions for fire damage.

Inclusions:

● Accidental house fire

● Natural calamities

● Riots

● Motor accident

● Vandalism

Exclusions:

● Fire damage due to mechanical or electrical defect

● Damage due to the addition of extra accessories

● Damage due to deliberate acts or own negligence

● Fire damage caused outside the specific geographical area

How to claim for two-wheeler fire damage?
If your vehicle is damaged due to fire and you have your bike insurance policy which covers fire damage. Then you must follow the below process to claim for such damages:

● Contact your insurance provider and inform them about the damage and its cause within 48 hours

● Collect various evidence, such as taking videos or pictures of the incident or the damaged parts of your two-wheeler due to the fire

● Visit your nearest police station and file an FIR

● Submit multiple documents such as address proof, identity proof, etc.

● Then the insurance provider will send a surveyor for an inspection of your case

● In case of minor repair or replacement, the insurer will offer you compensation

● In case of a total loss, the insurer will give you the amount as per the policy's terms

Documents required:

● Driving licence

● Identity proof

● FIR copy

● Registration certificate for bike

● Report of the fire brigade

Various reasons can cause fire damage, and it can be pretty disturbing for you to pay for the repairs or replacement of the damaged parts. Thus, it would be best if you had bike insurance covering the fire damage and providing you with the financial assistance you need during an emergency. It is best to buy two wheeler insurance online, browse through multiple options and research the one that offers comprehensive coverage, including fire damage. This way, you can efficiently ensure the longevity of your two-wheeler and stay financially sound.

Click HERE to buy two 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.

For many years, owning a car has been looked at as a show of wealth. But in recent years, a vehicle has become more of a need than a luxury or leisure. Yet purchasing a four-wheeler is still recognised as one of life's significant achievements and investments.

As an impact of the pandemic, people are more likely to travel by car than public transport. Whilst the value of owning a vehicle has grown over time, ensuring its security and safety is essential. Therefore, do not overlook your car's insurance and get car insurance renewal on time.

What is comprehensive car insurance?
As the name suggests, comprehensive car insurance is broad insurance coverage that provides security against various concerns. Comprehensive car insurance is so far the most commonly adopted kind of automobile insurance since it covers both parties in the event of an accident. It protects you in a crisis, accident, robbery, fire, or explosion, among many other situations. Including extras or add-ons to comprehensive insurance, such as depreciation cover, emergency assistance, engine protection, and so on, makes it a more customisable and desired kind of auto insurance coverage.

What is third-party car insurance?
The Motor Vehicles Act of 1988 states that third-party car insurance is the most basic and necessary insurance to possess and is required for all car owners. Third-party insurance, as a contrast to comprehensive insurance, provides limited coverage. It protects you against losses made by your vehicle to a third party. The damages done to a third party's car, property, or the individual themselves will be covered under this policy. This sort of motor insurance covers any third-party damages, injuries, or losses caused by the policyholder's misconduct.

When to switch from third-party car insurance to comprehensive car insurance?
Following are a few reasons to switch to comprehensive insurance from third-party insurance:

1. Covers your losses:
With the exception of basic third-party car insurance, comprehensive car insurance covers your vehicle for losses caused by a range of factors.

2. Customisable add-ons:
One of the chief factors for switching to comprehensive car insurance is customising the coverage depending on the various add-ons offered by the insurer. Customising the plans gives the policyholder the independence to get better coverage and benefits.

3. Personal accident coverage:
In addition to injuries caused to a third party, comprehensive car insurance involves personal accident coverage for your treatment in the event of an accident. This feature is crucial for all policyholders and can be extremely helpful during unexpected situations.

Getting the proper car insurance coverage is as crucial as getting the perfect vehicle. While the law requires you to have motor insurance, do not limit yourself to the bare minimum. A comprehensive auto insurance coverage protects you against the expense of hospital and auto repair fees. It provides all-around protection, making it a must-have in your inventory.

Similarly, remember the importance of purchasing ideal car insurance and even timely car insurance renewal to avoid interruption in the benefits.

To get a car insurance renewal, 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.

Are you a long-ride motorbike enthusiast? Fun is always the best part of such experiences. But what about the rider's security? Safety gear like gloves is a matter of debate, with some viewing them as a fashion statement rather than a necessity. However, gloves can help you maintain a firmer hold on the handlebars, absorb shock better, and protect your hands in the event of a spill. Every rider should have a helmet and gloves for protection.

Investing in a good pair of biking gloves will make you look like a pro and make your rides safer and more comfortable.

The benefits of wearing your biking gloves on long rides.

Your head requires protection while biking so does the rest of your body. If you're in a collision, your legs, arms, and hands are also at risk. Investing in appropriate protective gear for these body parts is a good idea to ensure your safety on the road.

In the event of an accident, your natural reaction is to grab hold of the handlebars as tightly as possible. Most of the impact on the ground will be absorbed by your hands. If you're not using gloves or other protective gear, your hands are at risk of serious injury. To protect against harm, gloves are essential. A cushioning layer prevents damage from falling to the ground's grit, rocks, or gravel.

1. Concern for the riders' well-being:
Some gloves for bike riders feature a cutting-edge design that boosts user protection. To indicate a turn, urban bikers frequently don LED turn signal gloves. The gloves have a futuristic design and are illuminated to send a clear message at night. Most bikers agree these gloves are ideal for using hand signals while riding. Their longevity and solid build quality are additional selling points.
Comfortable gloves are great for long rides because they keep your hands warm and dry. And this is the main reason why bikers always wear gloves. It's normal to get sweaty palms after a long time spent on a bike. Because gloves can soak up moisture from your hands, they significantly improve your comfort level. A tight grip on the handlebars can cause discomfort from pressure and friction. You can reduce this if you wear gloves or other hand protection.

2. A firmer hold:
The temperature and humidity where you are biking can cause your hands to become damp and sweaty, resulting in a compromised grip. High-quality biking gloves allow air to circulate so your hands stay dry and comfortable.

3. It can reduce the impact of a fall:
If you enjoy riding over rough and rugged terrain, you should get accustomed to constant pressure. Gel pads or padding are commonly found in gloves for just this purpose. The gloves' palm padding helps absorb impact and distribute pressure more evenly, protecting your hands from injury.

4. Riding comfort:
Winter weather is a constant obstacle for bikers in northern latitudes. The cold will be especially noticeable on your hands. Good gloves help you ride comfortably to places in cold weather.

In conclusion, biking gloves are vital yet overlooked safety gear. Numerous situations call for the riders to always opt for protective gloves. The level of comfort and security it provides while you ride a bike is elevated to new heights. In addition, a bike insurance online plan protects the policyholder against losses resulting from theft, natural disasters, man-made calamities, etc., making for the perfect protection provider to accompany you on your long-distance adventures!

Click HERE to buy bike 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.