GENERAL INSURANCE BLOG

Today, it's no longer necessary to use drum brakes on commuter bikes. As technology has advanced, they've become unnecessary for the two-wheelers. Drum brakes operate by squeezing shoes against a lining in the drum itself; this causes friction and stops your bike. They become less effective as they heat up, so they're not ideal for biking over long distances.

To stay safe while biking, it's essential to have a bike with an anti-lock braking system. If your bike doesn't have ABS, you're putting yourself in danger. With cars, it's been a safety feature for years. And now, bike riders can enjoy the security of it too. However, safety is incomplete without ideal two-wheeler insurance that provides the best damage cover. Make the buying process hassle-free by opting for two-wheeler insurance online. Browse through numerous options, and then buy one that fits your needs.

What is ABS, and how does it work?
An anti-locking braking system (ABS) is a system that helps you avoid skidding on slippery surfaces, with its ability to stop wheels from locking up. It's a great way to add safety to your bike journeys.
ABS is the latest generation of motorcycle braking systems. It can avoid the sudden locking of wheels in all types of road conditions and terrains. ABS is a safety system that forces fluid through a circuit of valves and pipes to prevent the wheel from locking up while braking in hazardous conditions.

Importance of ABS in Bikes
Your car's brakes should always be at peak performance, whether you have ABS or not. There are several benefits of having ABS, the main ones being:

• The advanced traction control technology is effective because it improves traction on the road. That's why you can now find it in new auto models. It also helps you avoid slipping and sliding.

• Anti-lock braking systems are essential for slowing down in every type of weather. For example, these systems are crucial when the road is wet after a rainstorm. They prevent wheel lockups by pumping brake fluid to the brakes to control the speed of your bike. These systems can save lives because they allow riders to stay in control of their bikes.

• An excellent anti-lock braking system will increase the resale value of your bike. However, remember that ABS is standard on most modern cars or bikes, so not having one could lower the potential resale value of the vehicle.

• Anti-lock brakes are an investment that can reduce the risk of accidents. So, if you have ABS installed on your vehicle, you might get better insurance rates. Check your 2 wheeler insurance online policy for your bike with ABS.

The government made the Anti-Lock Braking System mandatory for all four and two-wheelers manufactured in the country. This is an important step towards improving road safety for commuters and lowering road accidents. With the Anti-Lock Braking System, your safety and riding experience certainly gains significance.

Click HERE to buy the best 2 wheeler insurance online.

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

Do you want to break a bad habit? You probably should. According to one research, nearly 40% of the "decisions" we make aren't decisions. It's a matter of habit. We do what we've always done, making us less productive, efficient, healthy and fit. In other words, less in everything than we could be.

So, what can be done to change an old bad habit and adopt a better one? The 21/90 rule helps you to overcome that. The 21/90 formula is a simple approach that can help you reach your predetermined goals if followed and challenged for a few days. According to the method, if you can stick to a plan for 21 days, it becomes a habit, and if you stick to it for another 69 days or a total of 90 days, it becomes a lifestyle.

In this article, we share the tips that will help you get started with this method and stick to it.

1. The first stage is to have a clear goal: You will not be able to see where you're going in life unless you have clear goals. Identify your purpose, define your vision and translate your objectives into attainable benchmarks. You've almost assured success if you have a clear milestone to achieve.

2. Have a strategy: Every new habit requires a plan. It assists you in achieving your objectives. Create a timeline of activities to follow. Decide how you'll reward yourself at significant milestones, such as the 21st day, 69th day or 90th day in this 21/90 approach.

3. Resist temptations: The best method to create a new habit is to eliminate everything that would hold you back or tempt you to return to your old habits. Rebuilding your surroundings will help you distance yourself from your old habits. For example, don't stack up on snacks in your house if you're trying to lose weight or uninstall the social media apps from your phone if you're trying to cut on your screen time.

4. Avoid distractions and be disciplined: Theodore Roosevelt's words, and we quote, "With self-discipline, almost anything is possible". Self-discipline is tough to attain since it demands a fight with oneself to make the best decision. But if you master the art of self-discipline, nothing can stop you from being your best self. You can carve out a schedule or reminder to pay your utility bills or online health insurance payment on time if you have a habit of missing the due date.

5. Eat, sleep and repeat: It's time to restart what you've completed in 21 days and help you achieve your first objective. Set a brand new goal for yourself, and with your new habits, you'll be on your way to 90 days and a lasting lifestyle change in no time.

Life is delightful when you enjoy what you do. When you begin your 21 to 90 days journey for a lifestyle change, don't forget to enjoy the process. It will be more accessible, and you'll reach your milestone in no time.

Another effective way to cultivate new habits is to tie them to the existing ones. So, if you are already getting up early for some work, add regular exercising or a morning walk with it. Spending time to maintain good health, managing routine medical check-ups, owning a robust health insurance plan and renewing your online health insurance is important for overcoming any health-related bad habits. So, start small and keep adding new habits with this 21/90 magical rule!

Click HERE to get the best health insurance online.

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

Mountains are the perfect getaway to spend a few moments in peace and the serenity of nature. The feeling of being high up in the sky amid the clouds and looking at the stunning view is something no traveller wants to miss.

While a road trip to the mountains can be one of the most exciting things to experience, it is a fact that without the proper itinerary, the trip will lose its essence. The unpreparedness will lead to stress and confusion. The following blog gives you information that will help you choose the right itinerary for an exciting mountain trip.

1. Planning every step of the way:

Highlight the areas you want to visit along the way and research the most scenic routes to get there. In the mountains, it’s often about the journey, not the destination. Plan a detailed itinerary, including the dates on which you’ll reach each place, midway stops, and the places you’ll eat at throughout the trip.
Also, marking the highway petrol pumps is essential to avoid the stranded situation in the middle of nowhere. Although the plan should be meticulous, be open to deviating from it to experience something new.

2. Packing the right gear:

Packing the right gear can be a make or break of a trip. Place comfort over style, and make it a priority to pack clothes according to the weather. It can go from extremely cold to hot in a matter of a few days in the mountains, so make sure to get clothes suited to both.

3. Driving the right kind of car:

Mountain roads are notoriously treacherous. Steep and slippery roads are a given, and navigating these roads is a skill. Not all cars are made for such roads, and it is of utmost importance to drive a car that can stay intact on these roads.

4. Food and drinks:

Snacking and road trips have always gone hand in hand. Finding your favourite snack in the middle of a small mountain village is not always possible. Stay as hydrated as possible, and try to stay away from food that might upset your stomach.

5. Get coverage for every circumstance:

Road trips to the mountains came with a lot of risks. It is common to be stranded on mountain passes, waiting for help. It is best to ensure that your car insurance covers the vehicle towed a certain distance and repair cost if something unforeseen happens.

6. Don’t bite off more than you can chew:

It’s never a good idea to overstretch yourself on a trip, especially as dangerous as travelling to the mountains. Do ample research about common health issues faced when going to higher altitudes like heart palpitations and dizziness. Pack appropriate medication in your first aid kit to avoid health scares.
Overexerting yourself can also lead to rash driving and, ultimately, accidents. It’s best to be insured against any hefty medical bills you might incur. Be sure to stay updated on all the documents like car insurance.

A road trip to the mountains can be a therapeutic activity after the constant grind of city life. Breathing good clean air, getting some exercise and the view being a feast on eyes are just a few reasons why city people these days want to retire to a cottage in the mountains and spend their lives there.

However, travelling on unpaved, steep roads of the mountains can be challenging for your vehicle. The little off-roading you do for fun might come with a high cost of damage to your car. It is advisable to purchase comprehensive car insurance or renew if you already have one before your road trip.

Click HERE to know more about different car insurance plans.

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.

Taking care of your skin is probably not the most straightforward task, but it certainly is unskippable. Our skin faces a lot of damage almost daily. The effects of weather conditions, settling of dust on the skin, problems due to sweating, and tanning are common issues that our skin undergoes.

Skincare should not be neglected to maintain healthy and glowing skin. And with the winter season here, all the people with dry skin live their nightmare of flaky and dull skin. But fret not.

We have listed a few pocket-friendly tips and tricks to maintain the healthy relationship you have always wanted with your skin.

1. Cleansing and Toning:
Follow these simple steps to help you remove dirt, impurities, and pollution from your skin, balances your pH level, tighten pores, and nourish your skin to its core. For cleansing, you can mix honey with a few drops of milk and apply it gently to your skin. For toners, you can use chamomile oil and rose water and spritz it onto the dry areas of your face.

2. Moisturising:
While this is a no-brainer, moisturiser is your best friend when it comes to dry skin. Although, you must apply your moisturiser right after your shower and after washing your face. Moisturisers help you seal in the moisture present on your damp skin, thus retaining the moisture content in your skin. You can even use shea butter and jojoba oil and apply them to your skin after you are done with cleansing and toning.

3. Say yes to warm showers:
A hot shower probably feels like the best thing at the end of a tiring day, but this is not a good idea for the health of your skin. The hot water can strip your body off of its natural oils, which is essential to help keep your skin moisturised and nourished naturally. So instead of steaming hot showers, opt for lukewarm showers. Your skin will thank you later.

4. Hyaluronic acid:
A new favourite of dermatologists across the globe is this magic ingredient. Hyaluronic acid promotes supple and healthy skin. It uses the moisture from the atmosphere and traps it under the skin keeping the skin well hydrated. Being humectant by nature, hyaluronic acid can hold more water than its size, almost ten times its size. Add this magic ingredient to your daily skincare routine and watch the positive results for yourself.

5. Facial oils:
Facial oils are also another absolute must-have when it comes to taking care of your dry skin. These are the night skincare specialists because it gives the oil the entire night to work on your skin so that you wake up glowing.

6. Contact your dermatologist:
All the steps mentioned above are primary care that you can provide to help your skin retain moisture. If, however, your skin is acting out and is going through an extreme case of dryness and dullness, it is a good idea to visit a dermatologist. Your dermatologist would know precisely what your skin requires and help you choose the best suitable remedy for your skincare.

Are you wondering what more you can do for yourself? How about checking out some online health insurance offers if you plan to get a skin treatment? Consider getting your online health insurance before you pay a visit to the hospital to avoid unnecessary expenses and receive the best financial aid.

Apart from these tips, you need to consume at least 4 litres of water daily and focus on your appetite. These factors also contribute to the fitness of your skin. Start incorporating these tips and watch your skin gain its glow and charm back.

Click HERE to know more about online health insurance!

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

Memory loss is a prevalent problem among the elderly and a usual complaint from their caretakers. The good news is there are straightforward strategies to boost memory that aren't costly or tedious. Just as exercise helps your physical health, brain exercises develop your mind, enhancing your memory and reasoning abilities. Here are some measures you may take to retain and even upgrade memory.

Everyone fails to remember things periodically. Yet, loss of memory is not something to be neglected. However, there are no assurances for avoiding memory loss or dementia, but some activities could be surprisingly beneficial. Consider these seven easy strategies to strengthen your memory and know when to seek treatment for Alzheimer's disease.

1. Beauty sleep:
Sleep causes brain changes that help to cement memories. It also improves brain cell connections and aids in transmitting information from short to long-term memory. This implies that fresh memories made by older people are more likely to stick with them. Sound sleep can even help elevate mood and nourish the brain to perform to the best of its ability.

2. Maintain a social life:
Studies have demonstrated that social interaction is critical for the elderly's mental health and remembrance. Enjoying time with family and friends and attending activities may aid in the maintenance and improvement of cognitive processes.

3. Reduced sitting and increased movement:
According to several studies, seniors who participate in physical activities receive significantly greater oxygen to the brain. In addition, there is an increase in blood flow to regions of the brain linked with increased memory, which results in changes in mental health to fruitful levels. Increasing age demands constant physical movement to build an active lifestyle.

4. Better meals:
Modifying a veteran's nutrition to include foods rich in protein and unsaturated fats, such as fruits, vegetables, nuts, etc., can lower cholesterol levels. This reduces the risk of memory problems and heart attacks by preventing blood vessels from being blocked. Proper diet plays a crucial role in maintaining overall health and ensuring physical well-being.

5. Take a sensory exam:
Although this may seem clinical and unusual, sensory testing is a friendly approach to ensure that the brain is supple and robust. A sensory test creates new neural connections in the brain while also replenishing existing ones.

6. Carry out brain workout:
Learning new abilities such as playing an instrument, engaging in a pastime that requires hand-eye coordination, conducting memory exercises, and even doing arithmetic in your mind, has been shown to increase cognitive function and recollection.

7. Discover a new interest:
Numerous institutions and senior centres provide interesting, low-cost talks and workshops for seniors. Whether it's learning a new cuisine or honing your computer abilities, continuous education is a sure method to remain sharp.

Consult a doctor if you're concerned about your parents' memory loss, which can interfere with their ability to accomplish typical daily tasks. They will probably perform a medical examination and cognition and problem-solving abilities tests. Having insurance always comes in handy. Look for the best health insurance in India for parents and invest in one to make their life after retirement healthy.

Get the best health insurance in India for parents 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.

We often tend to take our health for granted at a young age. This is because in its young days, our body maintains stamina even if we may not properly care for it. But as we approach middle age, we realise how the stress and hustle of daily life make us neglect our health.

As we continue carrying the stress and burden of responsibilities on our shoulders, we forget that neglecting our health can be detrimental. It can be challenging to pay attention and recognise an illness before it has already done harm. Here are a few signs to look out for that indicate declining health conditions in aging adults.

1. Insomnia:
Adults deal with loads of responsibilities and stress daily. As hard as they work during the day, it can become just as hard to get a good night's sleep. Insomnia or sleepless nights can reflect a person's mental or physical stress, change in hormones, or fluctuating nutritional values that should be looked into before they worsen.

2. Deteriorating nutrition:
We are aware of how vital undertaking regular blood check-ups is. Adults should regularly get blood check-ups since they do not pay much attention to acquiring a nutritious diet. Deteriorating nutrition can cause a fluctuation in the body's levels of vitamins and minerals, which can lead to several health issues like weakness, loss of stamina and energy, etc.

3. Fragile bones:
As we grow older, our bones go through a lot of wear and tear. The ability to recover from broken bones and fractures drastically reduces for adults as they have lower bone density than children. Regular joint pain and fragile bones can indicate the onset of chronic conditions like arthritis, osteoporosis, etc.

4. Increasing comorbidities:
Comorbidities such as hypertension, diabetes, high cholesterol start to affect adults as they approach their late 40s. Securing a health insurance policy for family can help you ensure family safety in case of emergencies. However, maintaining your health by exercising, walking, taking vitamin supplements, etc., is essential to control these comorbidities.

5. Memory loss:
Brain function may be affected as we grow older and forget a few menial things. However, it becomes concerning when adults start to forget essential information like directions, identity, or recipes. Memory loss can indicate severe health conditions like dementia and Alzheimer's. Therefore, it is better to trace these early enough to treat these conditions right.

6. Digestion issues:
The most common thing that aging adults deal with is gut-health issues. Digestion can be affected by lifestyle choices, non-nutritional eating habits, genetic problems, etc. Chronic conditions like irritable bowel syndrome, diverticulitis, hemorrhoids, and gallstones usually begin when digestive issues are not resolved in time.

These are a few signs that point towards a deterioration in an adult's health conditions. While many individuals understand the importance of investing in health insurance for family and themselves, some face an uncertain future without it. A reliable health insurance policy for family acts as a backup plan that secures the health and safety of our loved ones, especially after entering into a specific age.

Click HERE to understand more about the different health insurance plans for you and your family.

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

Morning chill, dense fog, and cold weather are the signs of winter's arrival. Even visualizing yourself riding through the empty roads in freezing weather can shiver you with cold. Riding a motorcycle in winter can be challenging. Therefore, proper winter gear, clothing, and some tips are essential to consider while planning cold weather riding.

In this space, we've shared our best recommendations to make your winter motorcycle riding plan fool proof.

1. Warm yourself up; feel the heat:
Layering! Wind-blocking is simply the formula. Before you even think about your bike jacket, you need to put some layers of clothing barriers in place right near to your skin. Here's a brief guide.

• The base layer – a warm t-shirt

• A hoodie or fleece

• Motorcycle jackets – leathers aren't particularly appropriate for the cold. Instead, choose a warm, waterproof textile alternative

• A neck warmer or snood – especially if you're riding on the highway

• And finally, suitable warm gloves

• Layering your torso isn't enough. Invest in winter boots, layer-up socks, and pants

2. Charge up your batteries; don’t let them chill:
The chilled months can be difficult for your bike's battery since the colder temperature delay its chemical processes, causing it to cease operating. To keep it charged, you must ride your bike regularly. Utilizing a trickle charger to keep the battery completely charged can also help.

3. Ensure visibility; keep your vision clear as your enthusiasm:
Install a pin-lock and wipe your helmet visor with running water to keep it clear and fog-free. Don't go scrubbing since the salt and grime will damage your visor and cause it to become foggy.

4. Helmet; not for fashion but protection:
You should consider purchasing a winter-specific helmet with reduced front-end ventilation. And a visor that doesn't allow fog to settle in. Only buy a helmet that has ISI certification.

5. Clean your bike; to have consistent running:
Cleaning your bike in winter can be difficult, especially if you know you'll have to do it regularly. But hear us out, cleaning off the road salt can make a significant difference in the start of corrosion. You can use a protective lubricant and anti-corrosion spray to avoid components from melting into a puddle. It will also make cleaning the bike faster and easier. Winters invite unexpected damages and repair works to your bike. Next time when you buy warm clothes to be winter-ready, consider checking your bike maintenance and bike insurance policy to ensure your preparedness against the weather.

6. Monitor the weather; be the forecast expert:
Following the weather forecast is a must for every motorcyclist, especially during the winter months. By checking the weather online, you can prepare for a foggy day or lovely day accordingly.

Whether you’re planning for a long ride or a short trip to your neighbourhood store, cautious riding is essential to help navigate cold and wet roads. The freezing weather outside determines more than you think; when to slow down, be smooth, maintain enough distance for braking, following essential tips and ensure bike insurance to cover you for any eventuality. So check back regularly the above tips for comfortable riding and keep you protected on the bike throughout winter.

Click HERE to know about the best bike insurance plans before your next bike ride.

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.

We all know how much effort we have to put in to maintain a car that we drive daily. Now imagine the maintenance needed for one we do not drive that often. Of course, it is not essential to take care of an idle standing car in your garage, but it is vital to keep its maintenance top-notch irrespective of driving.

To help you get better at maintaining an idle car, we have mentioned some tips below that you can follow without going out of your way!

1. Change the oil frequently:
The engine is the heart of any vehicle. So even if you are not driving the vehicle, you must ensure that you are taking care of the engine and that the engine oil is changed frequently. This keeps the engine lubricated and improves the life of your vehicle. So you do not have to worry about its maintenance if you decide to use it in the future. Moreover, the engine is the most expensive part, so you might have to pay a hefty sum if it is damaged.

2. Go for a short drive:
When the manufacturers make a car, they keep it running throughout. So your vehicle's engine oil often circulates to the different parts of your engine and provides lubrication. When you leave your car idle for a long time, the engine parts tend to lose their lubrication and face damage. Also, if it is not used for a long time, your vehicle's battery will drain eventually.

3. Clean your car:
If you know that your vehicle will be idle for a long time without being touched, then you must have a routine to clean its interior and exterior regularly. You can cover your vehicle with a car body cover; this will protect it from all the dust, leaves, moisture that otherwise can ruin its texture. A car's paint undergoes severe damage due to factors like moisture, weather or climatic conditions, substance damage, etc. Schedule a bubble bath for your less operational vehicle at least once every month to maintain the glaze of its exterior.

4. Check for rodents and pests:
An idle car is the perfect breeding home for pests and rodents. The vehicle being untouched will make it an ideal environment for infestation. Rodents can put down the electrical circuits, seat cushions, wires and severely damage the interiors. All of these things will make your car of no use later on. So while cleaning your vehicle, make sure that you are also getting it checked for rodents and pests to keep them away.

5. Disconnect the batteries:
While your car is idle, it is best to unplug the battery terminals to avoid corrosion. Ensure that you wear gloves and keep the ignition turned off. While unplugging the battery terminals, you must unplug the negative one first and then the positive one.

6. Maintain your car insurance renewal:
Keeping your vehicle idle and unused will land you in trouble later. These problems can be anything from the engine to corrosion of parts too. So to ensure that you do not have to pay for the damages, you must also ensure your car insurance renewal.

Car maintenance can be challenging and time-consuming, but your work will be less complicated with the tips mentioned above. They will ensure your car doesn't get damaged or face any trouble. Whether you are operating it or not, your car is your responsibility, and looking after its maintenance should be your priority as an owner.

Click HERE to buy the best car insurance plan.

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.