GENERAL INSURANCE BLOG

Imagine you have an urgent meeting in five minutes, and your two-wheeler refuses to start! In such times our mind completely freezes and fails to think of any solution.

Your previous knowledge of jump-starting your bike can come in handy in a situation like this. In this blog, we will list down some of the effective ways to jump-start your two-wheeler in any case.

1. Check battery charge:
The first and foremost thing you need to do is check the charge of your two-wheeler's battery. If the backlight and the headlight are glowing brightly, the battery is okay. If not, you need to take care of it immediately because it prevents you from starting the bike or scooter. If your two-wheeler is not starting at all, it's time to resort to one of the following methods.

2. Use another bike:
Ask someone to lend their bike to jump-start your two-wheeler. First, make sure that both the vehicles are on neutral and off. Next, connect the battery terminals of both the bikes with the help of jumper cables. After connecting them, start the other motorcycle and start yours. With no extra effort whatsoever, your two-wheeler will start. After that, take off the jumper cables and keep them somewhere safe and easily accessible.

3. With the help of a portable jump starter:
Keeping a portable jump starter at home is usually advisable, especially when your bike is a few years old. This method is easy and also the quickest one:

• Check that your bike, as well as the jump starter, are in off position.

• Connect the attached cables of the jump starter to your bike and switch it on.

• Try to start your bike.

Generally, it doesn't take more than a second or two for the bike to start, but still, if it fails to start, give it a minute or two. In addition, always keep your jump starter charged.

4. Using outside stimulus:
One of the traditional ways to jump-start your bike is to apply an outside stimulus. The most used way is giving it a push from behind. All you need to do is ask your friend, neighbour, or passer-by to push your bike while sitting on it. Remember to keep your bike in second gear to ensure safety.

The other way is to find an empty stretch of road (it's always better if the road is downhill) and try to push your bike down it. Once your bike gains a needed amount of momentum, it should start. However, always remember that the downhill is not very steep and doesn't have sharp turns or traffic. These are precautions to take to avoid an accident.
It is difficult to ignore the fact that all these options can cause harm to your bike too. Incidents are unpredictable. Therefore, to avoid unexpected and unfortunate events, it is better to have bike insurance to save you from the fear of extra expenses. Ideal bike insurance can protect your pockets from the extensive costs involved in servicing and repairing your bike.

Click HERE to know more about different deals on bike 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.

The braking system in any bike is the most important mechanism. A Japanese auto giant has been granted a patent for their combination braking system (CBS) for motorbikes. The combi brake system (CBS) simultaneously applies the front and rear wheel brakes with a single lever.

According to the Ministry of Road Transport and Highways’ new requirements, all two-wheelers sold post-April 2019 with an engine capacity exceeding 125cc must be fitted with Anti-lock Braking System, while models with an engine capacity of 125cc or less must be equipped with a combi-braking system (CBS).

In this post, we're discussing CBS, including its merits and demerits. Read ahead if you wish to know about this remarkable technology.

CBS vs Traditional Braking System:
The most effective braking approach is to use both the rear and front brakes simultaneously. However, most bikers either don't possess the skills for it or simply lack patience. Even if a rider manages to apply both brakes simultaneously with less competence, the chances are that they won't be applying proportional force to both brakes.
In most circumstances, this results in unstable and dangerous braking. The Combi Brake System with equaliser minimises stopping distance. It also enhances braking stability compared to traditional braking so that you may ride with the assurance of effective brakes.

Merits of CBS:

1. Braking distance minimisation: It helps to minimise accidents caused due to unexpected braking by reducing braking distance compared to standard brakes.

2. Safer option: It is better and safer than the standard brake system. CBS aids in maintaining the bike's balance during braking and avoiding the risks of accidents.

3. Suitable for wet surfaces: CBS delivers greater performance and secure braking in slippery and bumpy road conditions.

4. Availability: Combi Brake System's price is relatively modest, and it's simple to use on standard motorcycles. In contrast to the Anti-lock braking system, which only works with disc brakes, the CBS system works with both disc/drum and drum/drum braking combinations.

Demerits of CBS:

The Combi Brake system is not ideal for high-performance two-wheelers. It also impairs the handling of motorcycle riders who perform stunts on the bike, putting them in dangerous positions when confronted with abrupt and intense events. That is why Indian law has only made it mandatory for bikes whose engine capacity is lower than 125cc.

So far, more than 10 million people ride bikes with CBS. While CBS may have some disadvantages, they are mainly concerned with high-performance two-wheelers. In moderate engine capacity bikes, the pros outweigh the cons. While the Indian government makes it mandatory to have CBS in bikes below 125cc engine capacity, it is also required to have two-wheeler insurance according to the Indian Vehicle Act.

Renew or buy the best 2 wheeler insurance online available in India. Several insurance companies are offering exciting offers for online transactions. So, purchasing 2 wheeler insurance online has become more popular, especially post-pandemic. You need to be wise and choose a policy that will be the best for your bike.

Click HERE to purchase 2 wheeler insurance online.

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

With the summer approaching, we are all excited to get out and soak up the sunlight. Road trips during the summertime are at the top of everyone's bucket list. You can enjoy a long drive to sandy beaches and resorts or a journey to cooler, remote hill stations.

While we all love long road trips, they can quickly get exhausting when you're stuck in the same spot for hours on end. The landscape might be worth every bit of your patience, but driving for several kilometres at a stretch can be mentally and physically bothersome.

You may invest in motor insurance India to secure your vehicle's health but caring for your health while on a lengthy midsummer journey is equally needed. Following these tips while driving long distances can make your journey more comfortable, safe, and fruitful!

1. Plan ahead:
Planning your road trip is essential so that you manage to follow the itinerary and reach your destination on time. As you know, you're going to be driving for long hours at a stretch, so you must make sure to pack all the necessary items to carry.
Keep track of your routes and highways, petrol pumps or gas stations on your way, restaurants or motels for refreshments, and the amount of food and water you require during the drive.

2. Prepare your vehicle:
Whether you are taking a car or a van, ensure the vehicle's condition and fitness are thoroughly checked before setting off on your journey. Check if your car fits for the long drive and the fuel tank is full to its capacity before leaving. Also, check the air pressure in the tyres and examine all other technical requirements.
Ensure that you carry all necessary car documents like your car's registration certificate, motor insurance India documents, driver's license, and PUC certificate.

3. Stay hydrated and eat well:
Dehydration and an empty stomach can disturb you immensely while on the road. Dehydration for long hours can cause blurry vision and muscle cramps that are incredibly dangerous while driving. The sweltering heat can get to you and cause dizziness if you haven't eaten.
Make sure to drink enough water and consume plenty of liquids during your journey. Eat a healthy meal before taking off and eat energy-giving, light foods whenever you make stops during the trip.

4. Take enough breaks:
Driving may be stress-relieving for some individuals but sitting behind the wheel for long hours can physically strain the body. You must make regular stops along the journey and get out of the driver's seat. Stretch your arms and legs and relieve any tension in your neck and back. Inculcating this habit can make the long journey much more comfortable.

5. Keep essentials handy:
While food, water, and car documents are the most vital essentials to carry, remember to pack other travel essentials like sunglasses, caps, sunblock, a torch, and a scarf or sweater. Carry emergency hardware to fix your car if any damage is caused on the road. Keeping a first aid kit is essential as you never know when you might need it.

Long road trips under the sun are what summer dreams are made of, but they can quickly become challenging. You must not forget to secure your health and safety in all the fun. Following these tips can relieve long-distance drivers from the issues they may face on the road. Prioritising the security of your vehicle is equally important. So invest in an ideal motor insurance India policy to protect you from unexpected losses and put less pressure on your pockets in case of physical damages to your car.

Click HERE to know more about 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.

Did you know that you can insure your car for a short period? Such as a few days or weeks. You must purchase short-term car insurance, often known as 'temporary car insurance.' Although it may seem strange, temporary car insurance is available, and people are already buying it.

Furthermore, short-term car insurance begins as soon as you pay for it. Some people may find that a short-term insurance policy is not ideal if they are unsure about their driving requirements. Let's take a closer look at a short-term car insurance policy in greater detail.

What exactly is short-term car insurance?
Short-term auto insurance can be valid for as little as a few hours or as long as some months, depending on the type of coverage you choose. It is possible to obtain short-term or temporary vehicle insurance coverage in some circumstances, such as when a person is not looking to purchase car insurance for more than a year.

How does short-term car insurance work?
Most Indian insurance policies fall into one of two categories: third-party liability and comprehensive insurance, with the latter being more commonly offered. In most cases, a standard automobile insurance term lasts one year. If one chooses to purchase comprehensive insurance, they will buy additional coverage through add-ons and benefit from other features. On the other hand, purchasing at least third-party insurance is mandated by law and gives the bare minimum of protection to the owner of the covered car in the event of an accident.
In situations where a person's need to drive a car is constrained by a specific time frame or a clear exit criterion, temporary car insurance may be necessary. Here, a person doesn't need to buy car insurance for a year because they don't drive a vehicle much. The time commitment could be anything from a few hours to a month or two at the most. Temporary auto insurance is uncommon in India, yet it is widespread.

Different types of short-term car insurance.
The coverage provided by short-term car insurance is minimal. It might be available in the following categories.

1. Rental car insurance:
Rental car insurance is the name given to the policy that protects a vehicle while it is being rented. Insurance policies for rentals typically include coverage for things like accidental damage and injury.

2. Gap insurance:
This insurance covers vehicles previously leased or financed through third-party financing. It provides gap insurance coverage in the event of a total loss, which is defined as damage that cannot be repaired. If the insurance provider compensates you for the fair market price of the vehicle, this policy will cover the difference.

3. Non-owners insurance:
Non-owners insurance is comparable to rental car insurance, although primarily available for private automobiles. People who borrow cars from family or friends are likely to buy non-owners insurance to protect themselves in the event of an accident.

Now that you've learned about short-term car insurance policies, you can make the most of a monthly car insurance plan to protect your vehicle. When you are only using a car for a limited time under the above three conditions, this is the most effective way of avoiding financial obligations. However, you should be prudent that not all car insurance companies offer this type of protection.

Click HERE to get more information about car 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.