GENERAL INSURANCE BLOG

Even if you live in one of the safest cities of the world, you should not leave your home open and unattended else you might lose all your valuables to thieves. Everyone knows that the first reaction to theft is calling the police but very few people know what to do to prevent such thefts from happening in the first place. There are plenty of expensive as well as inexpensive ways to burglar-proof your home. Some of the best home insurance companies in India provide insurance against theft as well and it is the first thing that must come in your mind if you live in an area which is prone to thievery. Certain steps can be taken to protect your house from thieves and prevent your valuables from being stolen.

• Never leave your house open if no one is there in your house. Always lock the main door and check if it is locked properly if you are leaving your house unattended for a longer duration. Burglars do not need more than 10 minutes of time on an average to identify the most valuable things inside your house and take it away with them. A slight mistake and you risk losing it all.
• Check your locks on a regular basis and see if they are functioning properly and replace them as soon as possible if they are not functioning as they should. If any of the exterior locks are easy to pick, jimmy or bump open, they must be replaced immediately.
• Don’t cover your house from the street. There must be a clear line of sight from the street to your house so that anyone trying to break open into the house is clearly seen by your neighbors. Cut back any trees or bushes that hide your house and obscure the front door.
• Install home alarm systems and sensors so that as soon as there is a break-in inside your house, the fire alarm sounds immediately and informs the neighbours that there is something wrong.
• Upgrade all your doors and windows and reinforce the doors, windows, locks and all hardware required to keep your house safe from burglars and thieves.
• Use motion light sensors inside as well as outside your house, so that they light up in case there is unpredictable movement outside your house. Such sensors can sense movement outside the house and may even warn the owner if there is some unusual movement outside the house.
• Don’t broadcast details about your upcoming trips on social media. This is one thing that thieves may be on the lookout for and if there is no one at your house, they will have the perfect moment to attack your house and take away your valuables.
• Always keep your valuables inside lockers and safes. The keys to such lockers and safes must also be kept secured and out of normal sight.
• Garages and garden sheds are the softest targets for entry into your house. An automatic lighting system attached to your garage or your garden shed can be a useful deterrent to protect your house from burglars.
• Keeping a good relationship with your neighbours can help you in making your house look occupied even though it is unoccupied. You can tell your neighbours to collect the mail, clean the porch or to mow your lawn and some neighbour can even park in your driveway.

An empty house looking empty is the safest target for burglars. A house not looking unoccupied even though it is unoccupied deters the burglars because they can never be sure if it is a safe target to attack. You can keep in mind the above tips to protect your house and also get a suitable policy from the best home insurance companies in India, in case you are going out for that long holiday you have been longing for.

“I don’t want to go on a holiday!” SAID NO ONE EVER.

Did you know that the research suggests that the work efficiency improves tremendously once we’re back from holidays!

Anyway enough with the preaching,  we all love the idea of sipping margheritas on the beach and say you’ve decided to take off to your dream destination this World Tourism Day.

The excitement is always so overwhelming that we forget to pack some essentials that are required on your much needed vacation.

Worry not we have compiled a checklist of all the travel essentials depending on the kind of trip you are taking. Solo? Family? Or a road trip with friends? 

Before you leave on a Vacation

• Passport, Visa, Boarding pass (any other documents)
• Travel plan – Make sure you set it up on your phone
• Luggage regulations – This one come’s as a surprise most of the time, make sure you check the luggage limitations before booking a flight or mode of travel
• Personal gadgets – Chargers, Power banks etc

While travelling with kids!

• Entertainment – Games, tablets etc (these are a must unless you want a cranky kid on board)
• Snacks and eatables
• Medicines 
• Infant seat at the back of your car
• Diapers and wet wipes

With your better half or bae

• Travel Guide
• First aid
• Sunscreen
• Travel pillow

On a road trip:

• Roadside emergency kit
• Phone stand for Maps/GPS/Navigation
• Fluids (if you have an older car)
• Flashlight

Bonus!

• An AUX cable for the music curated.
• Make sure you keep your car protected from the damage while travelling get a car insurance now, Click Here. Go on now and explore!

When you buy a car insurance policy online, you enter into a contractual agreement wherein you have to pay a specified amount as premium to your insurance provider in return for the protection the company provides you against damages to your car. In case your car meets an accident, the insurer is liable to pay you the compensation as per the contract but to get that compensation you need to file a claim with the insurance provider. The insurance claims are generally classified into two types:

1. Cashless Claim - If the customer has a cashless claim, the customer will not have to pay any amount upfront for repairs at any of the network car garages of the insurance provider. It will be the job of the car insurance provider to settle the claim with the workshop on behalf of the policyholder. In such a claim, the insured has to get their car repaired at the partner workshops of the insurance company

1. Reimbursement Claim - For a reimbursement claim, the insured has to pay for the repair of the damages to the car and later depending on the terms of the car insurance policy, the reimbursement claim is made. In such a claim, the insured does not need to get their car repaired at any of the partner workshops of the insurance company, but all the bills have to be produced at the claim.

To raise a cashless claim, you need to follow certain steps in case your car meets an accident: -

• Note down the license number of all the vehicles involved in the accident and also get the names and contact details of the witnesses, if possible.
• In case there are third-party damages such as injuries/deaths, property damage, or any other such critical issue, you should file an FIR at the nearest police station.
• Contact your insurer and report the accident, and you will receive a claim number.
• Ready all the documents as told you by the car insurance company, which you will have to present before the company representative.
• Take the vehicle to a network garage whose details will be provided to you by the insurance company to get your vehicle repaired.
• A Customer Service Manager will get in touch with you within 24 hours, and you will have to show him all the documents related to your car and its insurance.
• If the Customer Service Manager is satisfied with your papers, he will give the go-ahead for the repair work and you can get your vehicle repaired.
• Once the repair work is completed, the insurance company will make the claim payment to the garage for the repair costs.
• You will have to pay the deductibles which will be intimated to you by your CSM once the repairs are done.

You can also make a Reimbursement claim if you need to get your car repaired after meeting a severe accident:

• Take a note of the details of all the cars involved in the accident and if possible, try to get the contact details of some witnesses.
• Report the accident to your insurance provider immediately through a toll-free number provided by the company.
• A Customer Service Manager or CSM will get in touch with you within 24 hours and will tell you to submit all the bills and invoices to the company to get the claim.
• Once the claim is approved, the company will start the claim settlement process.
• The claim amount is sent directly to the customer according to the terms and conditions of the contract.
• If you have proper documents, you will get your claim, but your claim can also get rejected if you were driving without a valid driving license or if you were drinking and driving. Once you buy a car insurance policy online, make sure to read the policy documents completely, so that you do not face any issues while filing a claim for the damages to your car.

Nowadays, renewing your car insurance is also as simple as just buying new car insurance. You don’t have to make several phone calls or wait in a queue at the insurance company’s office to get your insurance renewed. While renewing your insurance, you also have the option to switch to a different insurer which provides better benefits to you at the same or lesser premium. Although the process of renewal is very simple and hassle-free, you should take care of certain things before you are going to renew your insurance or are thinking about buying new car insurance: -

• Check the Insured Declared Value or IDV - Depending on the age of your car, the insurance premium amount may change, so get the IDV re-evaluated. This will not only help you in getting a better price, but you will also get compensated accordingly in case of theft or loss.
• Do claims check - In case you are thinking of changing your insurer, always make sure to check the claims ratio of the previous insurer and verify it against any claims you have made.
• Appropriate Coverage with your plan - If currently you only have third-party insurance plan, consider getting a better and comprehensive plan which will also provide you coverage against the heavy expenses incurred on your car if it meets with an accident.
• Make sure to check Cashless Garages - Always check for cashless garages in your area when renewing your insurance plan with a different insurer so that you get the benefits of free repair for your car.
• Check the discounts and other deductibles- When renewing the insurance plan, make sure to check if you have got all the discounts you are eligible for with the plan, just like you do when you buy new car insurance. A deductible is an amount that you are required to pay before every claim and if it exists, make sure that it fits your budget.
• Get Add-ons with your insurance plan - There are many add-ons available with the insurance plans, and you should consider getting them. Add-on covers like Zero Depreciation, Engine Protector or Return to Invoice can help you if your car is less than 5 years old.

Here is how you can renew your car insurance online:

• Once you have finalized your plan, you need to enter your details on the website of the insurance provider. Some details you need to be ready with while renewing your insurance are: -

  1. Your Full name

  2. Your Address

  3. Car Registration Number

  4. Car-maker and model

  5. Previous Policy Number

• Select the Add-ons that you want along with your insurance plan. Some of the common add-ons are: -

  1.Zero Depreciation

  2.Roadside Assistance

  3.Return to Invoice

  4.Engine Protection

  5. NCB Protect

  6. Loss of Personal Belongings

• Once you are done with all the above steps, the final thing is only the payment. Complete the payment procedure and you will be done with renewing your insurance plan.

Renewing car insurance is as simple as buying new car insurance. Make sure you completely understand all the policy terms before you finalize the payment procedure for your insurance.

There is nothing more saddening in life than the loss of a close family member or close friend. It is an exceptionally uncertain time for everyone when your family member or friend is battling an ailment. Medical expenses are an all-time high, and it is tough for people to provide quality healthcare for people close to them. During these tough times having health insurance helps a lot. Now you can purchase health insurance online through Online Health Insurance Companies . Health insurance provides coverage for most of the medical expenses incurred for diseases and medical conditions covered in the policy. It is very important to be informed about the pros and cons of health insurance. Information is power. More you know, the better decisions you will be able to take. Health insurance speakers play an important role in society by informing the community of various benefits of health insurance. Here are ten great individual health insurance speakers in India: -

• Manoj K Shrivastava - Manoj Shrivastava works as the chief information security officer at Future Generali India Insurance Company Limited. He has worked in the information technology and service industry. He has a bachelor's degree focused on Mathematics and is an exceptionally skilled consultant.
• Jehaan Shroff - Jehaan Shroff is a senior associate at Khaitan Legal Associates. He has a bachelor's and master's degree in law as well as an MBA degree under his belt.
• Anuradha Sriram - Anuradha Sriram is the chief actuarial officer at Aditya Birla Health Insurance. She is an exceptionally skilled mathematician and works closely with Aditya Birla Health Insurance in developing insurance policies.
• Ishita Mukherjee - Ishita Mukherjee is Chief Operating Officer at Bharti AXA Life Insurance Company. She is a business leader, and her professional career has spanned an impressive 24 years.
• Pratibha Sarathy - Pratibha Sarathy is the head of IT at General Insurance Council. She is a philanthropist who has worked as a teacher to blind children.
• Sumeet Aggarwal - Sumeet Aggarwal works as the corporate vice president of IT and heads digital solutions in Max Life Insurance Company Limited. He is an award-winning track record for building, defining, and optimizing IT solutions.
• Kirti Patil - Kirti Patil is the senior executive Vice President and Chief Technology Officer at Kotak Life Insurance. She has over two decades of experience in the industry. She is highly celebrated and has numerous accolades and awards on her name.
• Atul Deshpande - Atul Deshpande is the Chief Operating Officer at SBI General Insurance. He has over 29 years of experience in the general insurance industry. He is extremely educated and has been in a leadership position for more than the past 16 years.
• Srinivasan Iyengar - Srinivasan Iyengar is chief Operating Officer at Reliance Nippon Life Insurance. An expert consultant in the life insurance industry. He has substantial experience in the life insurance domain. He has been a distinguished speaker at various events and has been the winner of national and international awards.
• Varij Pujara - Varij Pujara works as Chief Distribution Officer in Aditya Birla Life Insurance. She has over two decades of experience in the industry and has worked in several financial domains.

These speakers have spread light among crowds on many positive aspects of health insurance . Their contribution is immeasurable and has saved countless lives. Health insurance is essential. If you do not have one yet, you can easily purchase it online through online health insurance companies.

Your home is the place where you have the most beautiful memories. It is the place where you grew up to become the person you are today and where your heart resides. Hardly anyone can wait for their job to be completed so they can rush back to the comfort of their homes. It is the place you will never forget in your life. Even when you grow up and get your own place, your childhood home will always have a special place in your heart. It is the place you saw all your dreams at. It is crucial to protect your home from unforeseen circumstances. In case of fire, you can lose all your belongings and your home and will be left with nothing.

Rebuilding your home will be costly, and not everyone saves up that much money. Getting home fire insurance from fire insurance companies in India is the best way to secure your home. In case a fire breaks loose in your home, home fire insurance will provide coverage for damage, and you will be able to rebuild your home without any problem. Here are ten things you learned in preschool that will help you with home fire insurance:-

• You can ask for an advance from the insurance company in case a fire occurred at your home. You will probably lose a lot of your belongings in the fire, and the advance will help you carry on with life with a bit of normalcy. The advance amount will be cut from your total coverage amount, though.
• Make a list of all the items that suffered damage due to fire. You should not throw anything away as the items though unusable, will be proof that they indeed suffered damage. If you throw away anything, the insurer may deny compensation for it.
• Call the insurance company as soon as possible after the fire. The insurance company will ask you for a list of all the items that you lost and their value. You must include all the items as well as repairs that will be required and injuries suffered by family members.
• Try to reduce any future damage at your home. The insurance company will expect you to protect the property from further damage. You must do some impromptu repairs in your capacity and move the belongings that are unharmed to a safe location.
• Keep all the bills that you incurred while you were living away from your home. The insurance company will only reimburse that you the amount you had to spend overhead from your general living costs.
• Hire a contractor to get estimates for the repair and replacement. Hire a contractor that has experience dealing with insurance companies.
• You must keep paying your insurance premiums even after filing the claim. This will make sure that your house is covered in case any damages occur after the fire.
• You have the right to not close our claim for as long as you want. You might have overlooked something in the trauma after the fire. Take some time to ensure you have covered everything.
• If you are not able to reach a settlement with the insurance company after hiring a contractor, you can hire a public adjuster. He will take around 10 percent of settlement money but can help you get a significantly higher settlement.
• 10. Do not be afraid to lose your coverage because of raising a claim. If disaster did occur, you are doing nothing wrong and will not be treated as a "habitual claimant."

All these things will help you when dealing with Home Fire Insurance . If you do not have a home fire insurance yet purchase one now from fire insurance companies in India.

A good marine insurance guards you and your consignment from a variety of hazardous and unforeseen disasters and events. Below are all the clauses that are pivotal to marine insurance in India-

1. Institute Cargo Clause A- This clause covers all kinds of risks involved from loading and unloading to risks during the voyage.

2.Institute Cargo Clause B- This clause covers lesser risks compared to clause A and must be meticulously checked before buying as it may exclude key risks your type of work may be exposed to.

3.Institute Cargo Clause C- This clause covers the least number of risks and might even be the cheapest. However, the risks are higher at sea and if this clause is being adhered to, then one must research thoroughly before buying.

4.Valuation Clause- In this case, both parties namely, the insurance provider and the customer mutually agreed upon a said value. In case of damages, the compensation will be equal to the value and not any more than that. This ensures that both parties are convinced and arrive on common ground.

Art and Form' Clause- This clause usually states the time when the risk will start and be covered. This is important as most people don't read through the specific marine insurance clauses provided by their insurance provider. For example, if the marine insurance states, 'at and from Chennai' then only risks considered will be post-arrival to Chennai port and when it leaves the port.

Sue and Labour Clause - According to this clause, if an insurance holder has spent money to save goods from impending loss, then he or she is to be compensated for those charges by the insurance company. Additionally, unlike the 'change in voyage clause' here, any deviation does not have anything to do with saving the 'subject matter', the insurance company policy will not become void even in cases of a deviation or change in the voyage.

Warehouse to Warehouse Clause- The marine insurance policy mentions the warehouses that the goods are taken and delivered to. This means the company will take charge if any uncertainties occur while goods are being bought from hinterland to port and also during the voyage.

8. Change of Voyage- Any marine insurance mentions the details and the ports of arrival and departure accordingly. Insurance policies also provide said routes that are to be adhered by and followed. In cases of a deviation, marine insurance companies are not liable to settle the claim. If the route is later revered to, then this change is considered as a deviation. However, the insurer is not liable to secure against losses occurred in any change in the original route.

9. Touch and Stay Clause - This clause ensures that ships stay at the ports mentioned in the marine insurance policy. If a certain port is not mentioned, a ship must follow the routes given in policy and stay at the mentioned ports only. Only emergencies and justifiable reasons will be considered for calling at ports.

10. Inchmaree Clause - Under this clause, the negligence of the master or crew members are also covered under the insurance policy. Apart from this, other losses occurred during loading and unloading operations will also be duly recovered.

11. Jettison - In certain circumstances, shops may have to throw excessive luggage when it's the only way to save them. This is called Jettison and must be done intentionally and immediately.

12. Memorandum Clause - Under this clause, the insurance company does not have to pay for the losses of perishable goods. These losses will not have to be paid by the policyholder either.

With the awareness of the above clauses, you can be prepared to obtain a good Marine Insurance in India and be certain that the cover includes the above clauses. This will also help you in obtaining a good deal.

The outbreak of COVID 19 has affected millions of people across the world. This infectious disease is caused by a family of viruses that results in acute respiratory illnesses and might also include pneumonia, kidney, and lung failure. In critical and severe conditions, it might also lead to multiple organ failures. In such a situation, you must have coronavirus insurance, which can act as a protective cover. For this, you must look for the best insurance policy in India, which will help you to deal with any medical emergency.

What is the importance of Coronavirus health insurance?

Coronavirus Health Insurance is an insurance policy that covers the medical expenses that will be needed during the treatment of COVID 19. It is designed in a way so that it can cover your hospital expenses from the time the ailment is diagnosed until the time you have fully recovered. Since this is a viral infection, the health insurance policy will pay the hospitalization expenses that will include both in-patient and out-patient expenses for the treatment of COVID 19. With the rapid spread of this disease, the world has been witnessing events that it has not seen before. It has also restricted people from moving out of their houses, which has affected the business operations as well. In times like this, there will be financial problems, and having to deal with medical emergencies can be challenging. Therefore, staying prepared is a wise idea so that you do not have to worry about the treatment. So, to secure yourself and your families at the time of such pandemic, you need to subscribe to the Best Insurance Policy In India . Most of the people have a question if the Coronavirus health insurance is already covered in their existing health insurance policy. However, if a person opts for a policy after contracting the disease, they will not be entitled to get coverage of the treatment.

Useful information about Coronavirus Health Insurance

• Since COVID 19 is a highly infectious disease, people with weak immune systems and older people are at higher risk of contracting the disease. So, having a family health cover with a high sum insured is highly recommended, especially at times when the healthcare facilities have become expensive.
• The next thing to know is the waiting period as medical insurance policies come with an initial period of 30 days. This means that for getting the treatment, except for emergencies, the policyholder will have to wait for 30 days.
• Also, the Coronavirus health insurance plans provide you with a range of medical costs from 60 days before getting hospitalized, usually for a period of 30 days, which also covers ambulance, OPD and ICU charges, etc.

How to claim the Coronavirus health insurance?

The first way to claim this insurance is through cashless claims. Most of the health insurance policies offer cashless treatment, which means that you do not have to make the payment, and the insurance company will settle the treatment bills directly.

Another way is through the reimbursement claims, which are meant for policyholders who receive treatment at a non-network hospital of the insurance provider. In this process, you will have to pay hospital bills in full at the time of your discharge.

The benefits of having the best health insurance in India is evident from the above analysis. So, make sure that you continue to pay your premiums on time to continue enjoying the protection cover.

Does your company rely on some huge equipment to generate revenue? Even one failure or breakdown will lead to costly repairs to the extent that a company can even be forced to shut down indefinitely. So, how would you possibly have operated, without these key pieces of machinery like heavy machinery or specialized manufacturing equipment?

Usually, considering other things, companies overlook the importance of manufacturing power. The machinery is the backbone that keeps the force running. They're also a major investment and if not insured, any damage can cause not only hindrance but could also stop workflow altogether and huge loss. Therefore, it's important to opt for a machinery breakdown insurance policy. It is a form of property insurance designed to transfer unexpected breakdown risks associated with a company's mechanical and electrical equipment.

This insurance will cover physical damage from the unanticipated breakdown of machinery. By repairing or replacing the additional costs, this insurance will keep your work going and ensure it doesn't halt in the light of such unforeseen events.

Unfortunate and unforeseen circumstances caused due to carelessness, short circuit, electric overpressure, failure of safety device operation, defects in assembly, structural or mechanical, loosening of parts or excessive speed, falling, impact, collision and entry of foreign goods in the machinery are covered. Under this policy, the sum insured includes the following:

• Replacement value of the equipment
• Erection costs
• Freight charges
• Duties paid
• Value of brickwork

These policies are usually flexible and help organizations recoup financial losses related to property damage, interruption and spoilage. The premium, however, is calculated once the type of equipment and factors like their capacity and price are taken into consideration. There is a different premium for different machinery used. The machines that can be insured are-

• All stationery machinery equipment
• Electrical equipment
• Mechanical plant equipment
• Process machinery in industries

The eligibility criteria are that the owner or lessor of the machinery can get the insurance.

Mechanical loss of engineering insurance policy includes compensation for the cost of repair and replacement arising from unforeseeable circumstances. The cover is effective even if the equipment is not in use. The machinery is also covered if the equipment has been dismissed for maintenance and overhauling or is moved to a different location.

Usually, with an additional premium, the machinery breakdown insurance policy also covers third party liability, additional customs duty, air freight, escalation, property surrounding machinery, overtime, holiday wages etc. This makes it an essential complete package.

Since machinery breakdown insurance policy is for electrical and mechanical equipment, electronic material such as computers are not protected or covered. Specific risks that are not included in this policy are wear and tear, war, fire, gross negligence, damage due to overload and known pre-existing defects.

Machinery breakdown insurance is now crucial for businesses of all kinds and provides protection. However, secure the right policy to ensure your business is covered before, during and after an equipment breakdown.

Every hospitalization insurance policy comes with a stipulated waiting period which signifies the number of days that must lapse before the policy coverage begins for specific health conditions. The exact duration of the waiting period varies according to insurance companies. Before you opt for any Health Insurance Policy For Family , the concept of this waiting period must be understood adequately as different coverage have different waiting periods and different rules. There are several cases where customers subscribe to insurance policies offering wrong details. To avoid losses caused by wrongful claims or misrepresented medical history, the concept of the waiting period was introduced by the insurance companies.

Types of waiting periods

• The first is the Initial waiting period, which means that if a person gets hospitalized in the first 30 days from the start of the policy, they won't receive any claim benefit from the insurance. Only after the said waiting period has lapsed would the policy cover the specified health conditions; otherwise, no claim will be entertained by the company. Also, note that this 30 days waiting period is for illnesses but not applicable for injuries.
• Second type of waiting period is the pre-existing waiting period. This waiting period id relevant only for specific health conditions that have been disclosed by the policyholder while subscribing to the policy. This waiting period is the type of waiting period that involves a condition within four years before signing up for health insurance. The length of this waiting period can, however, vary from 12-48 months. Thus, the pre-existing waiting period will be covered under the plan after the passing of the timeframe mentioned in the insurance policy.
• Please check the specific disease waiting period, while taking a policy which applies to specified illnesses as listed in your health policy. In critical illness policy, there is a lump sum amount paid if the ailment is covered under the critical illness section in your policy. However, COVID-19 is not covered under critical illness, except for specifically designed products that were introduced in the market recently.

There are various questions raised as to illnesses like H1N1, Ebola, and the latest one being the Coronavirus are included in the health insurance and whether or not they have a waiting period associated with it. However, many of the policy providers mentioned that COVID 19 could be covered in the health insurance policy, which will ensure that there is no dent on your savings. It is advisable to check with your insurer about the terms, conditions and exclusions.

Health crisis can occur to anyone at any point in time, so it is wise if you take up health insurance plans to keep yourself and your family financially secure. Several companies offer different critical illness plan with different hospitalization, and so before you choose the health insurance plans health insurance for family, you need to research thoroughly to make an informed decision.

So much deliberation goes into buying a car, but car insurances? Not so much. This is one of the most concerning problems as these trivial mistakes are overlooked and more importantly can even be done away with if one is cautious enough.

Car insurance is almost mandatory in times like now but keeping relevant information from your insurance provides is often misleading than not. Here are mistakes to avoid when you're buying a car insurance policy -

• Not comparing prices- Many people who instantly go for insurances provided by someone they know or the insurances their acquaintances have applied for. Although the reliability factor is higher here, you can't be sure that they'd have made the right decision or looked up the new car insurance rates and updated offers in the market. For this one reason at least, compare the prices of different insurance policies till you're totally convinced about a single policy over the other. This will also give you the additional satisfaction of having researched well enough and made a wise choice.
• Cheap insurance policies- Cheaper insurances come with the obvious hazard that there's something flawed or even shady the company is trying to keep from you. Sometimes, companies manage to go about selling these without some key features which you may happen to overlook. Most people usually opt for the cheapest or the insurance policy with the lowest premium, and that doesn't assure the same type of safety as good reliable insurance will offer. Do not make hasty and flippant choices, as it's obvious that a lower premium also means a lower cover is provided when necessary.
• Buying it offline- Even if you know someone who may provide insurance services from a reliable company, there are a lot of unnecessary hidden costs that you'd not know. Rather than going for a cheaper unreliable premium, you can just opt for a good and reliable premium from a reputable company that also gives cheaper options. This is usually overlooked because people still choose or prefer the offline modes of application and payment. However, it is always more beneficial to find the online versions as not only does it come with a greater variety of options and plans, but it will also remove all the hidden costs for the job.
• Low deductibles- This is like choosing for cheap premium except here, deductibles are the charges paid by a customer before receiving the claim. If you're going to focus on this factor, then you'd be missing out on a balanced plan with a good premium as well. Usually, lower deductible plans come with higher premiums. Either way, you'd have to pay that said amount so why not choose a more profitable variation. If you opt for a policy that requires a higher deductible, then you can also attain the no claims bonus. This 'No Claim Bonus' or NCB is when an insurance company pays you if you do not file a claim for a stipulated amount of time. This could be an additional profit you will not be able to enjoy if you pay a lower deductible and a higher insurance premium.
• Driver details and history- Usually, the factors considered for the insurance premium include the details of the driver, including the age and other details like safety equipment installed, driving style. These may increase or decrease your premium accordingly. But because of that, if you choose to hide certain details for a lower premium thinking you've made a smart choice, it's misleading and doesn't assure you the certainty of your insurance. If an insurance provider finds out about the hidden details, they hold the authority to dissolve your policy as an invalid one. So, don't make a mistake like this just to save a few hundred rupees.

Acquainting yourself with the new car insurance rates, terms and conditions, and other essential aspects of the insurance policy is essential to help you maximize the benefits on offer.

Health is a critical aspect of life. Hence the famous phrase health is wealth. With today’s pollution, changing and often unhealthy lifestyles, changing weather, an increase in diseases and mutation in the illnesses that already exist, etc. are extremely hazardous to health and, in turn, life. Not to mention the unknown health hazards that could come out of nowhere; for example, an accident is not something you expect or know off. Also, the medical costs of all these health hazards can be huge and can make a massive hole in your pocket. Some of these diseases could be a long term meaning your investment in the treatment will also be long term. The bills of these treatments go very high and can end up making huge holes in your pocket. To avoid that, you can choose any of the available, AFFORDABLE HEALTH INSURANCE PLANS in the market. Following are five benefits of a health insurance policy that make it an absolute necessity: -

• The main reason why most people or families choose to go for health insurance is to have medical coverage. As mentioned above, health insurance plans offer coverage for high medical bills and can be extremely helpful. A health insurance plan covers hospitalization expenses, in-home hospitalization expenses, and many other such expenses too.
• Nowadays, insurance providers also offer critical illness cover. This cover can be stand-alone or can be a part of your health insurance plan. A critical illness cover assists in medical costs of critical illnesses related to kidney, bone marrow transplant, a stroke, loss of limbs, etc. and many other such illnesses. If you are diagnosed with any critical disease, you receive a lump-sum amount as part of the cover.
• Cashless claim benefit is also quite a popular part of affordable health insurance plans. In this plan, you don’t have to make any out of your pocket payments. If and when assistance is required, you can settle the hospital bill with consideration from your insurance provider, the hospital, and you. Keep in mind if any such situation arises, you must get admitted into a hospital that is included in the list provided by your insurance company.
• Many companies or organizations cover health insurance for their employees. You must remember that this type of insurance, however, is not custom made for every individual but is instead the same. Also, you could lose insurance if you are not working at the company. Apart from the above specifications, the health insurance provided by your company is also q good. Make sure to go over the terms.
• Almost all health insurance policies have tax benefits. Under Section 80D of the Income Tax Act 1961, part of the premium that you pay towards your health insurance plan is eligible for tax deductions. Of course, there are a few terms and conditions that apply to this based on age, insurance plan, etc.

These are five benefits of a health insurance plan that show how beneficial it can be for you. Keep in mind all your needs and requirements and choose the best health care plan. You will find different types of affordable health insurance plans from which you can choose as per your convenience.

Today, the number of cases with construction workers being a victim of such accidental risks is increasing. There isn't much awareness around it to make every person understand its importance. Physical loss of engineering insurance includes protection from machinery breakdown, machinery loss, contractor's risk, etc. The major focus is on covering losses that are unforeseen and unexpected. This is also called machinery breakdown insurance.

In the workplace, regardless of the precautions taken, it's always possible that there are unexpected and unfortunate accidents that might put you at risk. This is why you need the physical loss of engineering insurance.

Types of engineering risks include -

• Stock deterioration - Stock deterioration includes the depletion of goods kept in cold storage. This is covered if there's a breakdown of refrigerating machinery. It's similar to machinery breakdown insurance and can be seen as a subset of the same.

This type of insurance may benefit you if you're owners or users of cold storage houses, food preservation industry, and meat and fish processing industries, chemical and pharmaceutical industries.

• Movement of Machinery - This insurance covers the damage of machinery during specified operations. This type is important as a lot of machinery is heavy and not always easy to move accordingly. There can be damage during such movement even after the said precaution is taken. This type also often includes incidental storage in transit and moving and unloading to the work position.
• Computer equipment - Computer equipment insurance covers loss of or damage to all computer equipment. Additionally, provides cost required to reinstate lost records. These apply to almost every firm today that can make use of this insurance. Especially with data at threat, companies must safeguard themselves and have an insurance plan to turn to in such a situation.
• Unexpected damage - This policy covers damage that is unexpected and could be due to internal defects or external unfortunate situations. This insurance covers accidental damage most of the time, but it's advisable to check the documents and peculiarities before you go ahead.
• All Risk Cover - The all-risk cover, usually known as the Contractor's all risk, covers all of the above insurances. Usually, the threat of a single kind seems more than the rest, and hence particular insurance opts-in isolation. To easily define it, it covers all risks related to construction.

Here are the reasons why engineering insurance is important

• Machinery breakdown - This is one of the overlooked factors. Be it machines on the ground or even computers; your insurance must cover not only the cost of damage done to the computer installation but also for all the data that was lost. You can opt for machinery breakdown insurance as well.
• Risks of explosions - Such an unsafe work environment comes with its risks and troubles. Insurance will make it one step closer to safety, and you know you're covered in times of crisis.
• If you're in a risky job like that and have the uncertainty of consequences if something unfortunate happens, engineering insurance is your go-to remedy. Insurance covers can be generally applied to, but every insurance does not cover it all in detail. You can always choose multiple insurances, and that's completely alright. But you may need to understand something very important, at a workplace like a construction site; you ought to know that engineering insurance cannot be compromised.

Exercise is a hobby for several people. Many people enjoy going to the gym every day, sweating it out, and keeping fit. For some people, a gym is just too intimidating or even not the most preferred choice. If you are one of those people and are only looking to stay fit without actually going to the gym, there are a few exercises that you can do. These exercises can be done by people of any age to stay fit.

An insurance policy for the elderly is essential. However, exercising is a must as it will help you in delaying using health insurance in India for parents. Staying fit is extremely important, but you need not go to a gym to do that. There are many other exercises that you can do. Following are five exercises that keep you healthy: -

1. The most simple and common exercise is walking. Walking requires no equipment or any fancy things other than a pair of good sports shoes. Walking will help you in many ways. It improves cholesterol levels, strengthens your bones and muscles, and regulates your blood pressure, enables you to stay in a happy mood, lowers your risk toward a considerable number of diseases like diabetes, etc. and, of course, helps you stay fit in general.

2. Swimming is another exercise that is extremely helpful to keep you healthy. Many health trainers say that swimming is the perfect workout. Swimming works all your body parts, and hence your entire body stays fit. Joint pain is a problem faced by many people, especially older people. Swimming is an excellent exercise to deal with joint pain as the water takes the extra strain off your joints and helps you move them fluidly. You may have to go slow and only start walking in a swimming pool. According to research, swimming also helps keep you in a good mood.

3. You must be familiar with the term strength training. Strength training is working out with the help of lightweights. This form of exercise doesn’t bulk up your muscles, but it does help in making them stronger. Not exercising your muscles will make them dormant and lose their function after a while. To delay this, you must give your muscles good exercise. Muscles also help burn calories, so the more muscles you gain, the more calories you will burn this helps in keeping your weight in check as well.

4. Another exercise to keep you healthy is ‘tai chi.’ Tai chi is a Chinese exercise or martial art that combines movement and relaxation – two crucial factors in life. Tai chi is also often referred to as meditation in motion. It is made up of some graceful movements and is all about moving from one movement to another.

5. Yoga is a very popular form of exercise all around the world. It is an exercise that is known to keep you fit. There are many positions and instructions on how to form those positions. Yoga is hugely beneficial to muscles and helps in weight reduction as well.

Staying fit is an integral part of human life. That can be done through exercise and hence you must do some exercise to keep fit. Not only yourself but encourage your parents also to engage in regular exercise. This, along with HEALTH INSURANCE IN INDIA FOR PARENTS , will ensure their well-being.

Marine insurance companies offer a wide range of policies that cover any damage or loss to ships, cargo, terminals or transport by which products are transferred, held or acquired between the beginning and concluding points.

Marine insurance companiesin India cover offshore and onshore exposed property, (ports, container terminals, pipelines, oil platforms), marine casualty, and marine liability etc. It's an alternative to the general insurance specifically for those in the Marine industry or even in the trade industry.

All ship and yacht owners must have appropriate marine insurance keeping in mind the variety of risks at sea.

Importance of Marine Insurance

With India being known for its peculiar geography surrounded by water bodies on three sides and its fame for the earliest trade routes, we've only got better ever since. Marine Insurance is a must for getting easy grants and easy access ahead. It also makes a company more reliable as it has proper protection against different hazards and is legally ready to set off.

The marine industry today is a great source of imports, communication, influx and a means for people to travel to different parts of the world. We all know the stories of the uncertainty of the sea. Hence, it is important to be prepared for such unforeseen circumstances.

Benefits of Marine Insurance

Here are the following benefits insurance companies provide when you opt for Marine Insurance:

• Personalized Insurance - It's very important to find insurance that suits your needs and your business. Are you only trading goods or do you also have travellers and are in the cruise business? Don't worry! Marine insurance companies are now personalizing these important details as they're basic to the kind of hazards you'd want to prepare yourself for and these build the base for your insurance cover.
• All Risks Coverage - It's only foolish to choose risks and get protected by those when you're at sea and stranded, or your goods are not insured just because you didn't tick that option on your insurance form. While choosing Marine insurance, do look out for exclusions before you make a choice.
• Worldwide Claims - You need to stop worrying if you feel your marine insurance won't help in international waters. Marine insurances come with worldwide claims as well.

Now that you know all that comes with the insurance, here's all that your insurance should cover. There are different types of Marine Insurances.

• Liability Insurance - This insurance cover comes handy in case of any injury or damage due to unanticipated ship collisions and crashing even if it's due to persuaded attacks.
• Marine Cargo Insurance – It pertains to the personal belongings in ship voyages. The cargo owner is protected from the loss due to a ship accident and in case of delays in unloading. This also comes with third-party liability coverage and includes damage to the port and docks.
• Hull Insurance - This is chosen by the owner and caters to the hull and the body of the vessel along with other articles and furniture of the ship.
• Machinery Insurance - This insurance covers the machinery breakdown and damage and is duly compensated for.

With this extensive range of marine insurance, a businessman or a ship or yacht owners can be safe and protected against damages like theft or hijack collisions and accidents. Hence it is vital to have appropriate marine insurance if your business requires trade via the sea.

Health insurance is a type of policy that offers coverage for medical as well as surgical expenses incurred by the policyholder when they are hospitalized during the policy period. Most of the health insurances today provide coverage of daycare hospitalization, pre-hospitalization as well as post-hospitalization and the expenses incurred during these periods are either reimbursed to the insured individual or are paid to the healthcare provider directly.

There are many health insurance providers in India which provide numerous affordable health insurance plans for individuals and also for the whole family. Such health insurance plans have many different benefits, and each plan provides different types of coverage depending on the premium amount of the insurance.

Some of the common benefits that are given in most of the healthcare plans are: -

• One of the biggest benefits of a healthcare plan is the cashless settlement of claims. Most of the times the insurance provider will directly transfer the claim amount to the healthcare provider instead of reimbursing the amount to the insured individual.
• Most of the insurance providers cover almost all the major hospitals of the country, and you can use your health card to claim the benefits of your insurance at the hospitals covered by your insurance. There is almost 50% to 75% coverage of the major hospitals in the country with all the big names included in the list.
• You get the premium amount of the insurance tailored according to your needs. You can get the plan for an individual or for all the members of your family, and the premium will be decided based on the age group of all the members of the family. You can also get different insurances for all of your family members if you require.
• Once you buy an affordable health insurance plan, you also get the benefit of free medical checkup for every claim-free year. You can use this benefit to get a complete body checkup.
• In case of a medical emergency that arises suddenly, it can take away all your financial savings for the treatment of the individual very quickly. If you have health insurance, you will have a peace of mind because you will be able to provide financially for the treatment of the particular disease or problem.
• There are many different insurance plans available depending on the maximum entry age of the individual they allow for the insurance. Many insurance providers set a maximum entry age limit of 80 years while there are some insurance providers that have plans with no upper limit on the maximum entry age.
• Nowadays, you can buy an affordable health insurance plan online and pay the premiums online as well. You don’t need to visit the office of the insurance provider to buy the insurance, just compare all the available health insurance plans and buy the one that suits your needs the best. The healthcare plans are active for 1 year, and after that period, you need to renew it. This renewal can be easily done online as well.
• The health care plans are available with a range of coverage that starts from 5 lakhs and can reach to crores of rupees. Choose the one that is most affordable for you and you will have to pay the premium for the plan accordingly.

You need to consider some things before you decide on buying a particular healthcare plan of which financial comes at first. You have to pay the premium yearly, and that premium should be such that it does not cause a problem to you financially so proper care should be taken while buying a healthcare plan.

As everyone knows, cancer is quite dangerous and can lead to death. This is the reason that many individuals specifically opt for a cancer cover with their health insurance policy. But it is pertinent to mention here that merely subscribing for a cancer cover is not adequate. You also need to pay attention to timely health insurance policy renewal for continued coverage. Cancer prevention tips can be quite misleading at times. You may have noticed that different people and websites have different approaches and opinions towards cancer prevention. But, it is quite evident that the kind of lifestyle you lead has a very high impact on cancer prevention. So, just a few changes in how you lead your life can prevent cancer by a lot. Following are a few straightforward ways to prevent cancer: -

1. The fact that chewing tobacco makes you highly prone to cancer is not new to people. Using tobacco in any way, like chewing it or smoking it, etc. is highly hazardous to your life. Consumption of tobacco in any form can cause several cancers like lung cancer, mouth cancer, throat cancer, cancer of the larynx, cancer of the pancreas, etc. chewing tobacco can cause cancer of the mouth and pancreas. Secondhand smoke that you can get by even staying in the vicinity of smokers can also cause lung cancer.

2. Obese people are also quite prone to cancer. Maintaining a healthy weight also reduces your risk of cancer. Physical activity is essential and can help keep your weight in check. Try getting at least 50 minutes of exercise to gain healthy weight. There are other ways in which you can maintain a healthy weight, and that is by maintaining a healthy diet.

3. A healthy diet is vital. It can help prevent cancer. A healthy diet includes different types of fruits and vegetables - eat green vegetables, eat nuts, eat light foods. Drink moderate amounts of alcohol if you have to, limit processed meats in your diet, also food with olive oil decreases your chances of breast cancer.

4. Too much sun can also make you vulnerable to the risk of cancer. To avoid these risks, avoid the midday sun, try staying in the shade, try covering all your body parts, and use a good sunscreen.

5. Your dose of vaccines must be completed. Protection against viral diseases like hepatitis B or human papillomavirus (HPV), is also considered prevention against cancer.

6. Some things must be done for general health. These things also act as preventive measures of cancer. Other than maintaining general health protocols, you must make sure that you practice safe sex and don’t share needles for any reason.

7. Make sure to get yourself checked from time to time. These checkups give you a rundown on your general health and can point out even the minutest problems. You should get this exam done at regular intervals, especially after the age of 30.

Cancer is a deadly ailment. Mentioned above are a few effortless ways in which you can become less prone to cancer. Some cancers cannot be avoided, but taking precautions to prevent the ones that you can is essential. Make sure that you pay attention to your HEALTH INSURANCE policy

Cars are a great means of making your daily commute easier since they allow you to travel at any point in the day, according to your schedule and not that of the metro or the public bus. So, it is no surprise that most people prefer to have a car. However, they are quite expensive and are a major investment. In such a case, many choose to buy a used car, also known as a second-hand car and then buy a car insurance policy online. If you are the one selling your car to someone, there are a few things you must consider, and they are as follows: -

Get All the Paperwork in Order: Since it is a vehicle that you are selling, it is important that you organise all the paperwork that came with it, which includes the registration certificate, pollution certificate, documents pertaining to its servicing, Regional Transport Office (RTO) tax receipts or files, etc. since the new owner would need them for various legal purposes such as paying taxes.

Update Your Insurance Company: As a car owner, you most probably have car insurance to protect you from any unwanted expenses or damages. When you are planning on selling your car, contact the insurance company to inform them of the same, and to try to transfer the policy onto your new vehicle or to claim the credit in the event that your car was well-maintained. Your insurance policy shall not transfer to the new owner unless you wish for it too.

Evaluate the Cost: You do not wish to lose money when you sell your car, even if the chances of earning a profit are low. Make sure to check the price of the car in the showroom and to do thorough research on the mean price of the same car but in a used condition. It is best to consult a car trader since they would be able to quote the best prices for your car.

Keep it Clean: Just because you have decided to give it away does not mean you should no longer take care of it. The new owners would be paying a decent amount for the car, and it is only fair that they receive it in good condition. Get it cleaned or even serviced before you finally sell it since seeing the car in poor condition could discourage the potential buyer from going through with the transaction.

Decide Who You Want to Sell the Car: One of the most important decisions to make is regarding the car’s buyer. You need to evaluate the various options and decide whether you want to sell the car to a complete stranger, an independent car dealer or to the original car dealership. Once you do make the decision, do not forget to conduct a thorough background check before you actually hand it over.

Selling your car or buying a second-hand car is a major decision, one which must be made after proper consideration. No matter what the case it, make sure to buy a car insurance policy online or offline to minimise the effects of any damages that may occur in the future. Also, make sure that you renew the policy on time to enjoy continued protection.

Owning a bike may be a necessity for someone and a status symbol or merely a pleasure deriving activity for some other one. Owning a motorcycle is not a pleasure gaining fun, but some technical and financial terms protect the bike and the owner from some unwanted conditions or accidents. Taking care of your motorcycle by maintaining regular servicing and inflated tyres are just not the only deal to be done.

Additionally, you must have a comprehensive insurance policy to safeguard yourself and your bike against any unwanted losses. These situations can be damage to the vehicle by a third party when it was parked or in use or if it goes missing because of an act of theft. It becomes a necessary and essential decision in India to take bike insurance while buying a new bike.

While subscribing to bike insurance online in India or through traditional channels, there are specific important terms that the owner or the first party must keep in mind so that there are no chances of any future confusion and disputes.

Some standard terms related to bike insurance that you must be aware of are –

Premium - It is the amount that is paid by the first party to the second party for providing the insurance policy until the valid policy duration. This amount depends on multiple factors like the age, condition, model, actual price, area of registration of the vehicle. This amount is paid before or during the period of buying the policy.

Claim - It is the maximum monetary liability of the insurance company in case if the policyholder files a claim.

Insured declared value (IDV) - This is the maximum sum assured fixed by the insurer, which is provided on theft or total loss of the vehicle. IDV is the current market value of the vehicle.

No Claim Bonus (NCB) - It is a discount offered to the policyholder for not making any claim during the entire policy duration.

• First Party - This is the owner of the policy and the vehicle that buys the insurance policy and needs to pay the premium of the insurance.
• Second Party - This is the insurance company that provides the insurance policy to the first party.
• Third-Party - The third party represents the person or property involved in the accident between the first party and itself.

Bike insurance is nothing less than a healthcare plan for your bike, and many insurance companies provide BIKE INSURANCE ONLINE IN INDIA . These companies make it easier for the user to buy an insurance policy from home and pay the premium online with the help of online cash transfer. Various covers that are available under a bike insurance policy are accident, fire, theft, natural calamities, third party losses, and bike owner cover.

When you purchase bike insurance online in India, you have the option of subscribing for additional policy riders for better protection. Buying a bike insurance policy is essential in today’s world as there is no guarantee of a mishappening that may occur at any point in time. It may sound harsh, but it is unpredictable that when and where there may occur a loss of life and property.

Buying a car, be it new or used, is a big event for any family because who doesn’t want to enjoy the perks that come with your car. However, while investing in a second-hand car, it is essential to make sure that there a specific set of documents that are always there with you. Here are all the documents that are required for buying a used car from a private seller: -

Insurance Documents you intend to continue the existing insurance policy, it is important to check the private car insurance documents thoroughly for the vehicle. Once you are satisfied, then the insurance policy must be transferred to your name. This process must be completed before the sale takes place. You must make sure if the previous premium was paid regularly or not and the claim history of the seller, along with the expiry date of the policy. There should be a clear concept about the terms and conditions that have been mentioned in the documentation.

• Registration certificate is an important document since the engine number, and the chassis number is mentioned in this. The buyer should check the state in which the vehicle was initially registered since you might move to another state, and such details are crucial.
• Invoice and service book should be an invoice for the car purchase that must be handed over to you as a buyer. While this may be tough if you are buying it from an individual buyer, since only established companies provide that, you can always ask for a formal receipt to state the same. The service books are yet another important component that must be passed on since it provides the servicing history of the car and gives a better idea about the condition it was purchased in. A car that has been serviced at regular intervals has a better chance of being in a better condition.
• Road tax receipts is paid only once, that is, at the time of registration of the car by the first owner; however, if this hasn’t been paid, then it can accumulate into significant penalty over the years wherein it can occur on the latest owner too. The road tax in various states varies a lot and usually oscillates between 2 to 18 per cent, and it is the primary responsibility of the seller to provide with the receipt.
• Bi-fuel kit certification the vehicle has been retrofitted with a CNG or LPG kit. You must ask for a registration certification wherein both the fuel-types have been endorsed along with the no-objection certificate provided by the RTO, stating the same. These documents are required mandatorily when you subscribe to Private Car Insurance In India . This fuel kit usually has a guarantee of 5 years from the time it was fitted to the vehicle, and you must ensure to ask the seller about the purchase receipt of the kit too.

These are some of the vital documents that must be secured when buying a car from a private seller as they help in preserving buyers rights. Moreover, having original copies of these documents comes handy in the future as well.

Health insurance marketplaces in India have been created to reach out to customers with different insurance schemes, which are customized to cover the needs of people with various needs. These health insurance marketplaces are also referred to as aggregators of insurance products as they bring together different insurance companies and their offers. There are different insurance companies and insurance providers that provide the audience with various schemes that they can choose suiting their needs. These marketplaces are designed in such a way that people can compare multiple plans extremely easily and hence select the best one for them. Many people find these marketplaces to be extremely convenient as they can help you find the best insurance policy for yourself.

• How These Marketplaces FunctionAs mentioned
• How These Marketplaces FunctionAs mentioned above, these marketplaces are insurance product aggregators and bring together different insurance companies and providers who bring forth their various insurance offers.
• They then tie-up with different insurance brokers who provide them with information about the price, benefits, etc. The marketplaces then display this information on their websites.
• People can refer to this information and see the different offers and finally decide on which health insurance plan they want to opt.
• Usually, such marketplaces don’t charge anything for the information and offers that are provided on their websites.
• Benefits Of Health Insurance Marketplaces
• The main aim of health insurance marketplaces is to provide their audience with the kind of health insurance plan that best suits them. They do their best by bringing in multiple insurance companies and hence numerous insurance plans. This gives customers different plans to choose from as per their requirements.
• A significant benefit is being able to compare various insurance plans and then choosing the right one, so you don’t miss out on anyone.
• Usually, these marketplaces are found online; this enables you to analyze a specific insurance company over the online reviews and ratings it has received as well.
• Marketplaces being online has another benefit as you can renew health insurance online as well.
• Also, the procedure included is swift and quick, and you don’t need to spend too much time doing it.
• As the feedback that these health insurance marketplaces got was excellent, several prominent insurance companies have started providing marketplace customers better offers.
• If you have any doubt, almost all insurance aggregators have 24 into seven customer service where you can get all your questions cleared and then move ahead with a clear head.
• You can be assured that if you choose a renowned insurance marketplace and a good insurance company, you will have nothing to worry about in terms of the policy. These insurance marketplaces are incredibly safe and can provide you with all the assistance you need in terms of health insurance.

With the fast-developing technology and world, we need to move fast and smart as well. Health insurance is essential and can be of enormous help if required. Medical bills are not easy to cover, but health insurance can help you. The benefits that you can avail through a marketplace are proof that health insurance marketplaces can help you find the right insurance for you and your family and allow you to renew health insurance online as well.

Many times it is when we have come across a mourning family who have lost their near and dear one due to heart disease. The question of what will happen next to the grieving family immediately turns up. Any heart disease is a fatal health crisis that must be tackled the right way through the correct information. Subscribing to a HEALTH INSURANCE POLICY FOR A FAMILY is a must in today’s world, but even more important is to analyze and avoid the factors that lead to heart diseases and hence, must be treated at all costs. Here are some of the most common factors that lead to heart diseases include: -

• High and low HDL (cholesterol)
• Uncontrolled high pressure
• Physical stagnancy
• No control over diabetes
• Smoking
• Inadequate diet
• Consumption of alcohol
• Obesity (especially with a BMI greater than 25)
• Presence of high C-protein

How can one treat these components?

Following are some of the most common ways in which you can quickly get a grip over the health of your heart and get a better understanding of its importance: -

• Say no to smoking Smokers are always at a risk of heart attack and usually twice at the risk of suffering from heart disease compared to non-smokers. They are most likely to die from it, too, since they are exposed to a high level of tobacco.
• Fight cholesterol The total amount of cholesterol is directly proportional to the risk of facing heart disease. The ideal total cholesterol goal should be around 200mg/dl. The interpretation and understanding of cholesterol levels must be considered along with the various risk factors that persist for heart disease. An ideal diet is the one which is low in cholesterol and has saturated or trans fat, along with high complex carbohydrates since it automatically reduces the risk for heart disease.
• Keep a tab on the blood pressure High blood pressure is one of the most common ways of suffering from a heart attack. Most adults say about one in every three suffers from systolic blood pressure. Like cholesterol, even blood pressure must be individualized as a unique component in analyzing the risk factors. Blood pressure can be controlled through regular exercise, weight management, and checking on the consumption of salt.
• Fight diabetes Diabetes is one of the fatal factors that can lead to intense damage to your heart. A sedentary lifestyle must be given up for a more active one, where exercise is one of the most integral parts of your daily routine. Even activities like gardening and morning walks are extremely helpful in keeping diseases at bay. More vigorous activities are associated with higher benefits such as aerobics and swimming, but it is always good to keep an advisor in the loop.
• Eat right and sleep well Increase your intake of nutrient-rich food, especially content which has a high number of antioxidants and has proven themselves to lower the risk of heart disease. Nuts, fruits, and vegetables are also essential to maintain your diet. Indulge in some anger management techniques and practice yoga or mediation to experience the benefits. Give your body at least 7-8 hours of proper sleep.

All these steps are important, but it is also essential to buy a health insurance policy for family, which will always safeguard them in the direst of situations.

You always try to do a lot for the happiness and wellbeing of your family. A house does not become a home without family members. Taking care of the house and the family members is a prior concern, and there are a lot of measures that can be taken to ensure the safeguarding of precious assets and the house as well.

There are some necessary measures that a normal person takes to safeguard his/her house from unwanted calamities. But an uncontrollable fire that is caused by some internal reasons like any electrical faults due to poor wiring or due to cooking gas leakage is not much predictable. Similarly, some external factors like spreading of fire from outside (mainly locality), or fire caused by lightning can’t be controlled and are also unpredictable.

To ensure the backup against any such accidents, you must opt for a relevant insurance cover from a fire Insurance Company. Different fire insurance companies offer policies to cover several types of losses caused by accidents related to fire.

Role of fire insurance companies and the coverage they provide

A fire insurance company provides fire insurance that is a kind of property insurance that covers damages and losses caused by fire. This fire insurance helps the homeowner cover the cost of replacement, repair, or reconstruction. This insurance provides coverage against loss or damage to any structure damaged by fire. It is important to note that the insurance company’s liability is limited by the policy value and not by the extent of damage sustained by the property owner.

Most policies provide coverage even though the fire originated from inside or outside the house. The policy will reimburse the policy owner on either a replacement cost basis or an actual cost value (ACV) basis for damages. The policy owners must document the property and its contents to simplify the assessment of items lost or damaged during a fire.

Losses not covered by the fire policy

Any loss due to fire caused by earthquakes or by any invasion acts of any foreign enemy, civil strife, war, riots, military rising or rebellion, or nuclear risks. The fire must be accidental and not intentional.

Other preventive measures to avoid house fires.

The inspection of the heating sources in the house, especially in the kitchen, must be done correctly. The gas stoves and the gas source or supply pipe must be turned off safely after every use.

In case of low or high voltage supply in the house, high power-consuming devices such as washing machines, water geysers, air conditioners, and irons must be switched off immediately as any electrical fault may lead to unwanted spark and eventually a fire. Maintenance of electrical devices must be done regularly, and any old bulky power-consuming device must be taken care of.

Storing flammable products safely is another critical point. Cosmetic products like shaving creams or gels, perfumes, deodorants must be stored properly so that they don’t become potential fire spreading agents.

Making candlelight dinner at home brings a beautiful feeling, but, care must be taken that the candles are adequately fixed over a strong base, and they don’t cause any unwanted accidents. Also, in situations of load-shedding, the use of candles must be done correctly and with the utmost care. Installing fire extinguishers at home is a good practice; it will surely be helpful to suppress any small fires which may become huge if not controlled.

Having a bike insurance policy is essential as it safeguards the bike owner from many unwanted losses that may otherwise disturb the mental peace of the owner. It could be a case of theft, third party losses, or even any natural calamity. These situations may compel the policyholder to file a claim with the insurance company. As the Government of India has made it mandatory to have insurance against your vehicle, it becomes essential to know the process of claiming it, which is also crucial if the government wouldn’t have made it mandatory.

In some unforeseen conditions like that of an accident or a natural calamity like cyclone or floods, the insurance owner would surely want to claim the benefits under the policy. It is also important to renew bike insurance online or offline on time to enjoy continued policy coverage.

Renewal of bike insurance online

Bike insurance renewal could be done quickly by logging into your company’s website and choosing the insurance renewal option available over there. There are specific important fields to be filled at the website, which may be your unique verification or identification code, policy number, and any proof. Next, select the duration until when you want to renew your policy and select an appropriate payment method.

This is the natural method of renewing your policy. The process to Renew Bike Insurance Onlineis comparatively easier than manually visiting the company’s office and carrying out the procedure. Sit home and do the needful, that’s best and comfortable.

What to do in case of an accident?

If your bike has met an accident and needs repair work, you must first contact the insurance company. Some authorized professionals will be sent to examine the extent of damage that has occurred. The representative will then have your claim over policy registered, and you will be provided with a claim registration number. You will then be asked to take the vehicle to the nearest garage for the repair work, and is the company has settlements with any of their garages; then the vehicle will be repaired over there. Else you will be asked to keep all the bills safe for the company to verify and pay the amount if you are asked to take the vehicle to a garage of your choice.

What must be done in case of theft or third-party losses?

In case of theft or accident in which a third party has suffered, or any damages are done to the vehicle of the third party, the first thing to be one is to lodge an FIR at the nearest police station where the accident took place. In case if the bike is stolen, you must lodge an FIR to the nearest police station and give the keys of the stolen vehicle at the police station. Contact your insurance company. Inform the RTO they will prepare an RTO transfer paper. Also, get the no-trace report from the police station.

Submit a copy of the FIR, bike registration copy, driving license, no trace papers from the police station, RTO transfer papers, and importantly the insurance claim form. The insurance company will generate an Insured declared value (IDV) if the vehicle is not found in 90 days. So, there is no financial burden over you, and patience is the only key to solve any problems and handle such situations.

With a constant need to go from one place to another and on a fairly regular basis, there is a necessity for a suitable means of transport. Many opt for public transport like the bus or the metro/ local train to move around while others look for something which will ensure ease of movement at any given point of the day, such as cars or motorbikes. If you go with the second option and decide to buy your own a bike, make sure to buy two-wheeler insurance online so that you are covered financially in case of any accidents or damages. When it comes to driving, there are certain things you must know of, which are as follows: -

• Understand Your Car Well: Whether you have had cars before or have just bought one for the first time, take the time to figure out everything in and about your car; how to fill gas, where the clutch is, where the blinkers turn on from, etc., so when you do go out on the roads, you aren’t at a loss regarding what to do if met with a problem.
• Be Aware: No matter how careful a driver you are, there is always the possibility of suffering from an accident, solely because of somebody else. The only way to avoid getting into such a situation is to always keep your eyes on the road and to be well aware of everything around your vehicle. Know where the other cars are, what the drivers are doing, how fast someone is going etc.
• How to Park: Many find it quite difficult to park properly, but that is no reason to avoid learning how to. You could be required to park your vehicle at any given point of time and in any kind of space. Whether it is a mall parking lot or your garage, you must know how to do it, so you don’t run into a wall or worse, someone else’s car. Also, when you park or come out of parking on the street, keep an eye on the traffic so you don’t mistakenly cause an accident.
• Know What You Need to Do: An important aspect of driving is to know when to press which button. You must be clear when you need to turn on the blinkers, honk, take a turn, shine your headlights, etc. Doing any of this for no real reason could end up confusing others around you and could cause traffic problems or an accident.
• Keep Calm During a Problem: You are at some point, likely to have a flat tire as you are driving or slightly lose control. While it is very scary, remember to keep calm, so you don’t make the wrong decisions. Know how or where to steer if you lose control or if the car slides, know how to change your tires or pull your car over in such a case so you can call for help.
• Driving is a major responsibility and must be done with absolute care. Inexperienced drivers should be allowed to take the vehicle in heavy traffic, and as a vehicle owner,you must have an insurance that would protect you from damages; you can easily buy two-wheeler insurance online as well as car insurance.

Accidents are dangerous and can cause immense physical harm to the individuals involved in them. While it might be not under your control to avoid a collision but most certainly you should have a safety net to protect you if any such mishaps occur in the form of the Best Personal Accident Insurance Policy In India.

A personal accident cover is something that can act as your safety net. An own accident cover in a ‘car insurance’ is included for extra security if you ever find yourself involved in an accident. A car mishap can cause harm not only to your car but also the physical and mental wellbeing of the people travelling in the vehicle at the time of the accident.

You can protect yourself from financial stress after an accident with the help of car insurance. But, car insurance only looks after your car; hence you must include a personal accident cover in your car insurance to ensure the protection of you and your loved ones as well.

What Does Personal Accident Cover Mean?

• Personal accident cover is usually an add-on in a car or vehicle insurance. This add-on offers protection to the person driving, may it be the owner or a hired driver. In case the concerned person suffers a permanent loss, like the loss of a leg or an arm, they can claim the entire 100% of the sum that is included in the insurance. The amount is handed to the nominee in case of a death. Remember, if the person driving does not have a valid driving license, the insurance policy will not cover any damage caused thereon. In the case of the owner having multiple vehicles, the car with the valid insurance cover is the only one that is considered for a cover.

Standard Features of a PA Cover

• Permanent partial or total disability cover: The percentage claimed by the driver depends on the extent of the disability. In the case of total disability, the entire sum is payable.
• Temporary total disability cover: In this case, the concerned person gets a weekly benefit for a specific period.
• Accident hospitalization cover: The policyholder can also opt for a PA cover that looks after hospitalization. This is usually only included in the best personal accident insurance policy in India.
• Death cover: In case of a death, the entire sum is claimed by the nominee.
• Transportation of mortal remains: At times, the nominee is also paid a certain amount for transportation of human remains.
• Education grant: In case of death, in some insurance policies, the education expense of the children dependent on the policyholder is also covered.
• Advantages of a PA Cover
• It offers financial assistance in case of an accident.
• It provides compensation for minor injuries as well.
• Some policies also have additional cover for temporary and partial disability or loss of livelihood, etc.

Car insurance is essential. It covers a significant part of your costs in an accident. A personal accident cover

 is also a handy and necessary add-on in car insurance, as it offers financial cover for injuries and other such unexpected costs. It also works as additional security against possible losses due to the accident.

Skills like swimming, playing body-accelerating sports, and riding a cycle on their own are must-have skills for any kid entering their teen years. Although kids learn the most skills independently, they still require an instructor or parents to help them master many skills. And that is a brilliant opportunity for a parent to grab and spend quality time teaching them while also having fun.

Teaching a child how to ride cycle is a no-brainer for a parent, but implementing the following tips can smoothen the process, and your child will learn to cycle in no time.

1. Find a grassy location:
Although most people might look for a spot where the surface is smooth, it is crucial to know that smooth flooring can result in faster acceleration even without the child’s efforts, and the cycle might move at high speed. So, always look for a grassy surface; even if your child accidentally falls from the bike, the impact might not be severe.

2. Avoid holding their cycle all the time:
Usually, parents or any instructor teaching a child how to cycle, hold it from the back for support and balance. Although it can give the child a good head start, gradually, it can become a practice, and the child might look for your support now and then. Hence, slowly get rid of giving them balance and start over again if they lose balance.

3. Lower the cycle’s seat:
A cycle sold for kids comes with training wheels and a high lifted seat, but it isn’t going to help in any way for a child to learn how to cycle. Instead, lowering the seat reduces the child’s fear of falling from height and allows their feet to touch the ground directly.

4. Tell your child to look forward:
It is natural for a child to look at their feet when cycling to ensure that they are not missing a leg while pedalling. However, your child should know what is ahead of them to avoid collisions with obstacles. You can talk it out in their language, like telling them that you do not look at the remote but the screen when playing video games. Similarly, they should not look at the feet but the direction they are riding.

5. Teach kangaroo hops for balance:
Although kangaroo hops are done without using a cycle, these can be an efficient way to increase their balance while riding. For example, get your child seated on their bike and tell them to start giving movements with their feet touching the ground, similar to kangaroo hops.

6. Proceed with pedalling:
Once your child successfully learns to balance a cycle, they are almost there. A little push on teaching the technicalities of pedals to move the cycle can instantly get them to master the skill. Then, slowly, tell them to press one pedal after another and practice it for a while.

7. How to apply the brakes:
After pedalling, the only thing that your child needs to learn is stopping the cycle on their own. Have them ride around you for a while and instruct them on using brakes when necessary.

As a parent, you should also be aware of unfortunate events that might result in injuries during the process. But, despite numerous falls and failures, don’t stop your child from pushing themselves.

Let them grind, make them feel the urge to struggle, and motivate them to rise again and try with the same vigour. Never deprive or restrict your child from taking on adventures, trying new activities, and imbibing unique experiences due to the fear of getting injured. Instead, invest in personal accident insurance online and contribute to your child’s growth years with the layer of protection.

Click HERE to know more about the personal accident 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.

Not many people are familiar with the term cooling-off period in health insurance. So let us take a quick look at what it means and how it affects you during Covid time.

The cooling-off period, also known as the waiting period in health insurance, is the time during which you are not eligible for claiming particular benefits of any insurance policy. This period lasts from about a few weeks to even months.

Recently, many insurance companies are initiating coverage for covid-19 related treatment, however, there is a “cooling-off” period for patients recovering from covid-19 and buying health insurance. Since some people may be asymptomatic and can later be diagnosed with the coronavirus, there is a waiting time of over three months before signing up for health insurance.

Why are companies choosing to opt for the cooling-off period?

- First, there is still not a completely accurate test for detection of the virus, and there have been cases where a contacted person tested negative and vice versa

- The after-effects are still unclear and give rise to complications to create a specific policy for the recovered/suffering patients

- The cooling-off period gives an adequate amount of time to assess a customer’s proper health, hence leaving time for an appropriate judgment for the insurance company

- It buys the company enough time to make preparations for all kinds of emergency services. But, of course, this impacts the policy’s claim in case of difficult situations

Can we avoid the cooling-off period?

You can try and avoid the cooling-off period with the help of the following instructions:

- You can purchase health insurance before the coronavirus infects you. This will help you enjoy the exclusive benefits of your health cover without any hindrance due to the cooling-off period

- Be sure to check all the terms and conditions while purchasing health insurance cover for Covid

- Do not keep any information that can later cause trouble in claiming the benefits

- Keep your health insurance policy up-to-date and renew it from time to time

To sum it up, getting a health insurance coverage policy and drawing the benefits of the cooling-off period before the coronavirus affects you is of great importance. To stay off from any troubles when claiming the benefits of your insurance cover, we suggest purchasing health insurance right at the time when you are healthy and show no signs of Covid.

Insurance companies presently offer various promising online health insurance plans. Looking at the current scenario, purchasing online health insurance might be the best option. People try to avoid visiting places and contact others, and being online just saves you from doing so.

Look for a suitable policy right away and secure your own and your family’s health to avoid a cooling-off period. Always disclose all the essential health information when buying the policy so that you can prevent any rejection of the claim later on.

TO KNOW THE ADVANTAGES AND FEATURES OF A SUITABLE HEALTH INSURANCE PLAN FOR YOU, CLICK HERE…

With all types of car insurance available out there, which one should you go for? Many vehicle owners get confused by unfamiliar terms and calculations. Buying car insurance is undoubtedly necessary as it protects you from financial trouble. However, selecting it based on lower premiums and skipping other important features about car insurance may not be a good option; if you don't know some lesser-known yet important facts.

So to help you with decision-making for the best car insurance or car insurance renewal, here are seven things you should know about car insurance.

1. Factors that determine your premium:

Although every insurance company applies its own formula for calculating premiums, there are some basic factors used by all of them. The list includes the model, engine, type of your car, current condition of the vehicle, Insured Declared Value (IDV), your age and marital status, etc. This information helps the insurer to evaluate risk and computing the premium for your car insurance.

2. You can save on your insurance premium:

Yes! You heard it right. And this might get you a considerable discount on the insurance premium that you have to pay. You may be eligible for discounts if you have anti-theft devices installed, buying insurance online, or applying for multi-year coverage, among others. There are several ways to lower your insurance premium. Double check with the insurance company on discounts available to you or when to use your no claim bonus.

3. Zero depreciation on damage:

When you make a claim, your car insurance company subtracts the depreciation costs from the cost of the components even before the determination of the claim amount. If your policy includes a zero depreciation cover, your insurer reimburses you for the cost of the components, including depreciation. Purchasing a zero-depreciation policy would raise your premium slightly, but the added coverage is well worth it.

4. Get rewarded in the form of No-Claim Bonus:

Did you know that you are eligible for rewards in the form of bonuses for not using your insurance? For example, insurance companies will offer you a No-Claim Bonus if you do not file a claim during the policy period. It's a premium discount that works as an incentive for improved driving and prevents individuals from claiming tiny amounts.

5. Insurance is transferable:

If you're the second owner of a car and the vehicle's insurance is in the first owner's name, you need not buy a new one. All insurance companies offer car insurance renewal and transfer of insurance to the second owner. All you need to do is to provide the transfer forms with the relevant document to the insurance company, and it's done.

6. The insurer can cancel your insurance:

If you break one or more of your policy's rules during the policy period, your insurance provider has the right to cancel your coverage at any time. The same is true for non-renewal. Failure to pay your premium on time, losing your driver's license due to suspension or revocation, filing too many at-fault claims, or lying about your driving history or prior insurance claims might be grounds for cancellation or non-renewal.

7. All insurers have different premiums:

While the insurance regulation sets the prices for third-party liability insurance, the premiums for all other types of coverage vary between insurers. Therefore, before settling on a vehicle insurance cover, always compare among the available options.

Always make an informed choice about where to cut corners on your insurance features and where no to. Also, remember to choose an insurance company with a good rating and high claim settlement record.

WANT TO KNOW ABOUT THE BEST CAR INSURANCE RENEWAL PLAN FOR YOUR VEHICLE. CLICK HERE…

In this fast-moving world, the importance of fitness is rising every day. Everyone has their reasons to join the gym. While some do it for fitness, others While some do it for fitness, others for unwinding and relaxing. However, lifting those heavy weights and doing a cumbersome workout can invite gym injuries and pull you down tremendously.

In this blog, we have listed down the best ways to protect your physical well-being and ensure that you do not land up hurting yourself while working out in the gym.

1. Starting with warm-ups:
Diving right into your workout without any warm-up can indeed be an invitation to injuries. Remember, cold muscles are more prone to injuries. Before you start working out, you must spend 10-15 minutes doing some dynamic stretching.

2. Understand your abilities:
Just because someone is lifting heavy weights doesn’t mean that you can do the same. Following others can give you severe injuries that might affect you in the long run. Be realistic with what you are doing, and do not try to lift something out of your abilities. Therefore, estimate your threshold and consider the progressive overload.

3. Perform with proper technique:
Before performing any exercise, make sure you know how it is done and which muscle group it is targeting. If possible, ask your trainer to guide you and focus on your progress before lifting weights.

4. Have an instructor:
You can find a load of information on the internet, but sometimes it may or may not be accurate. In this case, you must have a personal instructor that guides you through your fitness journey and trains you about the exercises to be done correctly.

5. Consume plenty of water:
While you work out, you sweat a lot and lose plenty of water and electrolytes from your body. Keeping yourself hydrated throughout the gym workout will help you avoid muscle cramps.

6. Have a balanced diet:
An average person requires 0.8 to 1 gram of protein per body weight daily to have smooth body functioning. A person who works out needs 1 gram to 2.2 grams of protein per bodyweight to repair the torn muscle fibres in the next 72 hours. Ensure that you are consuming the right amount of protein for your recovery.

7. Do not ignore what your body says:
Do not overdo any exercise even when your body is not in that state to do it. Listen to what your body says and stop when you cannot go further. Overtraining can result in you getting injured rather than getting fit.

8. Take your rest days seriously:
While pursuing your fitness goals, you put your body through a tremendous amount of pressure. Your body demands rest for a day or so to repair the muscles that have been exhausted.

9. Consider health insurance:
A gym is where you build your physique. The journey of becoming fit will never be easy. Several accidents or injuries might come your way. Accidents are inevitable, so consider glazing over some personal accident insurance plans for your safety. These plans are great relievers during difficult times due to the benefits that they come with.

No one likes lying in pain for days and missing out on essential tasks due to an injury. Following these tips can help you eliminate these injuries and have a safe gym experience! Even if you get tired, you should never skip your workout routine. Take every hurdle as a motivation to rise again and chase your goal. Always stay inclined to what you want to achieve and let your determination define your success.

Click HERE to browse through the personal accident insurance plans for improved safety.

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.

People suffer from obesity disorder worldwide because of their hectic lifestyle and inactive fitness routine. Obesity is nothing but the accumulation of excess fats in the body that negatively impacts a person's health. Factors like genetics, overeating, no physical movement, psychological factors, and side effects lead to the cause of obesity.

Being obese puts you at a greater risk of developing potentially severe health problems, including – diabetes, heart disease, stroke, breathing disorders, fatty liver disease, and lot more.

You might be aware that obese people are more likely to pay a higher insurance premium than other healthy policyholders. This is because obese people are prone to illness and are likely to make more claims than normal policyholders.

But obesity can be brought under control with the help of dieting, daily exercise, weight loss, and many other disciplines in our everyday routine.

In this article, we give you some handy tips that are useful to control obesity.

How to know if you are obese? If your Body Mass Index (BMI), which is commonly used to determine obesity, turns out to be higher than or equal to 30, it classifies you as an obese person.

There is a thin line between being overweight and obese; if your BMI measures between 25 to 29, you are overweight and not obese. Therefore, the formula to calculate Body Mass Index is the weight (kg) divided by Sq. of height (m).

Practical health tips to control obesity.

Here are five tips weight-loss experts recommend to assist in keeping obesity under control.

1. Personalized diet plans:

You must have read a lot that a few minutes of daily exercise are the key to controlling your weight. But, cutting calories and reducing junk food intake is better than increasing your exercise time to achieve weight loss. Overeating and consumption of more calories than needed is one of the primary reasons that cause obesity. Customize your diet plan to ensure calorie intake and the proper nutrients that your body demands.

2. Exercise can help you to stay fit:

Daily exercise and fitness schedule is vital for controlling your weight, and physically inactive people are more likely to gain extra kilos. If you are already maintaining a healthy diet, plan a perfect workout routine or join a gym. Regular exercising helps you burn calories and lose fats.

3. Set up a strong will for an active routine:

You have to work harder than many other people – possibly for a long time if you are overweight. For instance, taking the stairs instead of the elevator will make a significant difference. By changing your detrimental habits, you will cultivate an active and fit lifestyle. Remember, losing weight requires patience and discipline, which does not occur overnight.

4. Eat more healthy snacks between main meals:

You read it right, eat more – just not at your mealtimes. Diet experts recommend keeping many healthy snacks like sunflower seeds, almonds, whole wheat crackers, sliced apples, and other fruits and eating small portions every couple of hours. If you wait until you're starving, you generally tend to eat more.

5. Maintaining a sleep hygiene:

The importance of good sleep in overall well-being cannot be ignored. It works wonders for your goal of preventing obesity, too. There are studies confirming that people who get too little sleep have a greater risk of weight gain and obesity than people who practice seven to eight hours of sleep per day. Sleep hygiene includes a proper sleep schedule and a bedtime routine like reading or listening to some good music.

Obesity, if it gets serious, can take a toll on your pocket. Although there are no policies especially for obesity yet, insurance companies protect obesity in exchange for higher premiums. Therefore, it is always advisable to secure your health insurance at an early stage of life to save you from that extra premium.

TO KNOW ABOUT THE HEALTH INSURANCE THAT GIVES THE BEST BENEFITS, CLICK HER

There could be no greater pleasure in the world than becoming a parent, but we have heard tales of how being a mom is no picnic. Motherhood is stressful despite all the help provided to you. After all, there can never be enough assistance for a mom. Especially for new mothers, mom-stuff can be overwhelming and chaotic. And in the case of working women, situations can get more complicated and out of hand in no time. One unique option to reduce the load of stress and anxiety from your schedule is to adopt minimalism.

If you are new to the idea of the minimalist lifestyle, let us take you through the concept briefly.

What exactly is a minimalist lifestyle?
Minimalism is a method of living that focuses on reducing waste and concentrate on what genuinely matters. This involves reflecting on what is most important to you as an individual and focusing on those things only.

Why shifting to a minimalist lifestyle is crucial for moms?

• You will have less stress. When you start reducing clutter, you permit yourself to spend your time and attention on only the most important stuff.

• Raising responsible kids. Kids may be considerably more independent when there isn’t as much for organising toys and belongings.

• Never caught up in tidying the home. Naturally, if your kids have access to fewer things, you will have only minor things to clear out.

• Cleaning requires less time than usual. With fewer items and goods, cleaning doesn’t keep you engaged throughout the day.

• More savings. Once you follow minimalism and minimize your buying habits, you can save substantially. Meaning you can invest in worthy things that make your life more comfortable.

• Me-time. You can finally afford to look after yourself and spend quality time doing things that keep you happy. This is crucial for embracing your well-being.

• Quality time with the kids. Spending time with kids apart from games is equally necessary for every parent. Cherish the moments you have always dreamt of, like first steps, words, and the feelings they express through their actions.

• Having a peaceful environment for the children. Too many activities can distract your children and prevent them from developing their own thoughts.

• Less room for distractions. In this way, there is enough time for you to catch up on hobbies and interests you have been neglecting.

Exploring minimalism with children might be challenging at first. You will require time to get accustomed to it. It starts when you begin to analyse your values and find what you may or may not need in your life. But as you grow into it, the advantages and impacts on your state of being are miraculous. Every mother in the world has things to deal with which one can never figure out, and we believe every mother deserves peace in her daily routine.

As you are inspired right now to take up a new pattern of consciousness, let investing in general insurance be your next step towards it. Including minimalism in making crucial decisions like taking care of your and your family’s health, covering for accidents, protecting your home against natural calamities and managing your finances can improve the quality of your life. General insurance can be your key to a stress-free life!

To look for general insurance policies, 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.

The Covid-19 pandemic shook the world's medical infrastructure from the ground. As a result, the cost of medical services and its subsequent operations is now more than ever. With the huge inflation in the expenses of medical bills, investing in health insurance coverage is no longer an option but a necessity.

To live carefree in these uncertain times without worrying about medical expenses, a trustworthy health insurance cover for every family is a must. And, if you're someone who is already holding a health insurance policy, you should be familiar with the claim settlement process as well.

In this space, we help you to understand steps to claim your health insurance policy so that in the future, if need be, you're prepared beforehand.

There are mainly two types of claim settlements.

1. Cashless settlement:

The cashless claim facility relieves you of concern during a medical emergency when receiving treatment at any of the networked hospitals. According to the policy features, the health insurance company will pay the hospital bills directly. Therefore, it frees you of the burden of making direct financial payments to the hospital.

Steps to claim a cashless facility:

• Select a hospital from the list of network hospitals provided by the insurance company

• Then, notify the third-party administrator (TPA) and provide them with your membership number

• At the hospital, fill out a cashless request form. However, remember that a valid certification by a doctor with proper stamps and signatures is a must

• Next, mail the form along with the medical records physically or digitally to TPA

• TPA will then inspect all the documents submitted by you, and if the settlement is approved, the charges will be paid by the insurance company directly to the hospital

If in case of disapproval, you should apply for reimbursement. We cover this in the following category of claim settling.

2. Reimbursement settlement:

If you choose a non-network hospital for treatment, you must first pay the medical expenditures out of pocket. Then, following the submission of relevant papers, the health insurance company will reimburse the charges according to the terms and conditions of the policy.

Steps to claim the reimbursement facility:

• Contact your health insurance provider using the toll-free number and give them your membership number

• Settle all your medical bills with the hospital

• Then, download and complete the reimbursement form that is available on the health insurance company's website

• When requesting reimbursement, attach the downloaded form, include the invoices, medical bills along with reports, discharge summary, and any other relevant papers

• Then, submit everything to the claim office in your vicinity. You can even digitally mail the documents to the insurance company

• After the approval of your claim, a cheque will be sent to your registered bank account by the insurance company. The whole procedure takes 20-30 working days from the day all papers are presented

Additional tips to speed up your claim settlements:

• Fill the reimbursement form correctly. Make sure all of the medical records and subsequent documents have stamps and signatures of the concerned authority

• Register for a claim as soon as possible after admission to the hospital

• Take regular updates from the insurance company after the submission of all the documents

• Always go for cashless claims whenever possible

TO KNOW ABOUT THE BEST HEALTH INSURANCE POLICY IN THE MARKET, CLICK HERE…

Does the depreciation value of your car scare you? Do you feel that you will have to empty your pockets for your car's damages once it gets old? Now, there is a one-stop solution for these queries – a zero depreciation policy. In a zero depreciation policy, the insurance company covers the expenses of physical damage caused to the vehicle in the unfortunate event of an accident without considering any kind of depreciation.

Vehicles are naturally depreciating assets, meaning, with every new car, there will only be a devaluation in the price over time. The parts like mirrors, metal, rubber, plastic and other car accessories are subjected to depreciation.

Zero depreciation car insurance vs regular car insurance:

Let us quickly compare the benefits of zero depreciation insurance to regular insurance.

Premium: The premium cost payable for zero depreciation insurance is slightly higher than that of regular car insurance. The depreciation policy premium varies with attributes like your address, the model, and your car's age.

Claim settlement value: In zero depreciation cover, the claim settlement amount is higher since the calculation of depreciation is not done, whereas, in regular car insurance, the claim settlement amount is received with a deduction of depreciation.

Repairing amount: In zero depreciation insurance, the repairing cost of parts like rubber, glass, plastic is paid by the insurance company, whereas these costs are borne by the insurance holder in regular car insurance.

Usage duration of the car: This factor does not make a difference in zero depreciation insurance because any depreciation is considered nil. However, in regular insurance, the depreciation rate of your vehicle keeps increasing day-to-day.

Benefits of a zero depreciation insurance: Let us now understand the benefits of zero depreciation insurance.

Easy claim: It ensures the timely and straightforward settlement of all expenses providing the insured with easy claim settlement.

Covers all expenses: The insurance company gives you total coverage of the costs that are heavy on your pocket, as well as any other miscellaneous charges during the time of settlement.

Profit while claiming: Zero depreciation policy adds more value to the basic coverage at the time of claim, making your expenses amount almost nil, hence leaving you with a profit.

Assurance: Since the vehicle has a zero depreciation insurance cover, so you have the satisfaction of being safe under a protective layer of the insurance policy.

What is not a part of a zero depreciation policy? Following are the factors that will restrict your complete claim on the advantages of a zero depreciation car insurance policy.

No driver's license: If the driver or owner of the vehicle does not have a valid driver's license, they are not eligible to claim the benefits of this policy.

Drunk driving: Immediate rejection of claim benefits happens if the driver happens to be under the influence of alcohol or any other intoxication.

Maintenance of engine oil: Unfortunately, this policy does not cover your regular maintenance such as engine oil, coolants, etc.

Compulsory deductibles: Compulsory deductible is a mandatory amount set by the IRDAI depending on the engine capacity of a vehicle. This amount is not a part of the zero depreciation policy.

For cars more than five years old: If the insured vehicle is aged more than five years, it cannot opt for a zero depreciation policy.

Mechanical expenses: Occasional breakdowns and arbitrary wear and tear of the vehicle will not be covered in the policy.

To sum it up, zero depreciation benefits a wide array of car owners considering the cost-effective claim settlement and boosting their regular insurance plans in the form of a worthy add-on.

GET TO KNOW MORE ABOUT THE BEST CAR INSURANCE PLANS ONLINE BY CLICKING HERE…

Did you know that you only need the unique registration number of your vehicle to get the details of your bike insurance online? In this article, we'll provide you with all the information on the registration number.

When you buy a bike insurance policy, details of it get linked with your bike's registration number. Therefore, you can quickly check the information of your bike insurance through your bike's registration number.

As per the Insurance Regulatory and Development Authority of India (IRDAI), it is mandatory to carry insurance documents of the bike whenever you are on the road. If one fails to do so, there is a possibility that the claim settlement may be invalid in case of any mishap. Even though policy documents are essential papers, misplacing them is a pretty common occurrence among policyholders.

However, fret not! It is pretty simple to find the details of your insurance with the help of the registration number. Let's understand this here:

What is a Registration Number?

A bike registration number is a unique number issued by the Regional Transport Office (RTO) of your district. Every vehicle owner must obtain a registration number within 30 days of purchase of the vehicle.

The registration number is helpful to identify the owner of the vehicle in multiple scenarios. Apart from identification, the registration number is a must for a bike insurance policy, renewal of it, or insurance claim.

Your vehicle's registration number is displayed on a metal number plate and affixed at the front and back of the two-wheeler. The registration number has an accredited structure for different types of vehicles. Let's understand this further here.
Consider this, your vehicle is registered in Delhi and is granted the number DL 0X BX XXXX. The first two alphabets indicate the state code, and the next two digits are the unique district code. The following two alphabets are the current series of the RTO and the classification of vehicles. And, the last four digits are your vehicle's unique number.

How to derive two-wheeler insurance details by your vehicle's registration number?

When buying bike insurance online, the details of your policy are automatically synced with the registration number. RTO, Central, or State Government can use details for official purposes. You can enter your registration number on any of the following websites to get details on your bike insurance online:

● Official website of the Regional Transport Office RTO where the bike is registered

● Website of the state transport department

● Website of the Ministry of Road Transport and Highways (parivahan.gov.in)

● Website of the Insurance Information Bureau (ibb.gov.in) of the Insurance Regulatory and Development Authority of India (IRDAI)

Further, you can even renew your existing insurance policy using your two-wheeler's registration number. There is a facility for tracking the details of your policy online and renewing it before it expires.

The registration number links your vehicle directly to RTO's and Government's databases, so this stands out to be an advantage to maintain a record of your two-wheeler's insurance.

WANT TO KNOW ABOUT THE BEST BIKE INSURANCE ONLINE POLICY FOR YOUR VEHICLE? CLICK HERE…

Routine oil change ensures that your vehicle’s engine is in good shape. Moreover, it guarantees that the machine operates on high-quality motor oil thus improving its performance and the engine’s life. But which oil is suitable for vehicles - regular or synthetic?

Most people believe that oil does not make a significant difference in the performance of your car, but that isn’t the case. The type of oil used for your motor impacts its well-being and durability. So, to secure your car’s engine, be attentive to the requirements regarding its oil.

Let's quickly look at the aspects that differentiate these two types of oils before you pick a side.

What exactly is Regular oil?
Regular oil or conventional oil is a blend of crude oils and additives that meets the minimum requirements for engines and is commonly used in older or low-mileage vehicles. Depending on the manufacturer and pricing, these oils can range from mediocre to excellent grade.

What is Synthetic oil?
Synthetic motor oil combines high-quality additives that provide the finest engine protection. It can help with engine cleanliness, heat prevention, and engine endurance. It is usually suggested for all current and new-age automobiles due to its benefits of providing the highest engine protection.

How to determine which oil is better for your vehicle?
The ultimate way to choose which oil to go for is by reading your vehicle’s user manual, which states the correct oil for your motor. However, other minor factors contribute to decision-making, such as the age of the vehicle, usage, way of driving, and so on.

Advantages of Regular vs. Synthetic oil

1. Regular (Conventional) oil:
• The most obvious advantage of choosing conventional oil is that it won’t burn a hole in your pocket.
• It is readily available and a good choice for drivers and mechanics to get their hands on.
• Well suited for older motors.
• Many motor companies and mechanics advise using traditional oil for older vehicles and low-mileage vehicles.

2. Synthetic oil:
• Synthetic oil is composed of homogeneous molecules that reduce friction in the engine.
• Synthetic oil is also more refined, resulting in fewer deposits in the engine. It is purer and has fewer contaminants.
• It is improbable to break down and hence has higher durability.
• It lasts longer; thus, your motor won’t need frequent trips to the mechanic for an oil change.

The decision between conventional and synthetic motor oil depends on where and how your vehicle is used. Consult the owner’s handbook to ensure you’re using the recommended oil for your car. It will also inform you of the proper distance periods between oil changes.

You should timely replace your motor oil, whether you use regular or synthetic motor oil. Like the oil for your engine, investing in good motor insurance is always the right thing for your vehicle. Using motor insurance with limited features will not provide you complete protection to your car against financial emergencies during any breakdown. Therefore, make sure to browse through the options before purchasing the best one for your vehicle.

Are you looking for a suitable 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.

Bike riding by teens is becoming one of the most common sights nowadays. Many teenagers feel independence and pride as they no longer depend on their guardians to drive them to places. As a result, adolescents have the irresistible urge to flaunt their expensive bikes and lethal driving skills in front of their peers.

You will come across many road accidents reported on the news channels every day. According to research, a person travelling in a commercial plane is less likely to die than riding a motorcycle on Indian roads.

Unfortunately, minors don't take into consideration the consequences of mindless driving. Even some parents allow their kids to drive because they think the worst that could happen is receiving fines from traffic police. However, outcomes can be much severe. Also, your bike insurance won't help you in case of death due to underage driving.

In this article, we share five reasons why parents should not give in to children's demand for bikes.

1. Legal consequences:

The Motor Vehicles (Amendment) Act of 2019 states that the guardian or the vehicle owner shall be held liable for the infringement and shall be punished accordingly. Imposition of a fine of Rs. 25000 with three years of imprisonment will be made if your ward drives in an illegal driving age. The minor may have to go to court as well and face trials under the Juvenile Justice (Care and Protection of Children) Act resulting in the cancellation of the vehicle's registration.

2. They are not yet matured:

An individual needs to be cognitively mature to drive fast cars and bikes. For example, adolescents may feel the thrill of getting an adrenaline rush when riding a motorcycle at high speed. But, what they don't understand is that their brains are not yet mature enough to handle it.

3. Road accidents:

According to International research, the possibility of underage drivers being involved in a road accident is four times more than adult drivers. Road accidents are among the top causes of death and injury for people between the age of 16 to 20. Reasons are inexperience, distraction, poor driving judgment and decision making, alcohol consumption, and lack of adequate driving skills.

4. Financial drain:

Financial drain is not seen as a problem by many. But believe it, accidents can take a toll on your life savings. In some cases, insurance does not cover the cost of the damage or third party insurance. Plus, if the crash leads to any chronic health problems, then you will keep drowning in the hospitalization bills for the rest of your life.

5. Physiological trauma:

We often overlook the matters of mental health. But unfortunate events like this can be very traumatic. If you or your dear ones have been in an accident, you will likely have anxiety and panic attacks in the future. The memories of tragic accidents can cause mental health problems to the young, and the memories are enough to last you a lifetime.

Prepare yourself for your teen to take the wheel:

If you have a teenager in your family who will be of legal age to drive soon, distance your kids from any such bad experience. Being a good driver and role model, you can instil safe driving habits in your teen. For example, you can re-familiarize yourself with your vehicle's safety features and discourage phone use while driving.

Safe driving has an immediate payoff to you and your teenager by keeping accidents and violations off a teen's driving record.

TO KNOW MORE ABOUT THE DIFFERENT BIKE INSURANCE, CLICK HERE…

Whether you decide to buy 2 wheeler insurance online or otherwise, many myths and misconceptions are associated with it. It is important to have all the information about the insurance policy that addresses your requirements before buying two-wheeler insurance.

Having a two-wheeler insurance assures you to handle whatever the road throws at you, giving you peace of mind and letting you enjoy riding without a worry.

Please also remember that as per the Insurance Regulatory and Development Authority of India (IRDAI), every two-wheeler owner must buy a third-party liability insurance for the vehicle.

Here we bring five common misconceptions that often lead you to settle for something less worthy.

1. It is risky and complicated to buy 2 wheeler insurance online:

We agree that buying insurance online can be tricky sometimes. But, not if you purchase insurance from a recognized company that has a good market reputation. It is advisable to do some research on the company, check the credibility and Claim Settlement Ratio (CSR) before purchasing. It is easier to buy two-wheeler insurance online; all you need to do is log on to the insurance provider's website, fill in your and your vehicle's details, select your plan, and you will get a quote for the premium amount. Make the payment through the secure payment gateway provided by the company and receive your policy document online.

2. Third-Party liability cover is enough for insurance:

As mentioned earlier, third-party liability insurance is mandatory in India. However, it does not mean that having only third-party liability insurance is sufficient. It only covers the losses of the third party. Accidents can cost you much more than you can think. Therefore, it is advisable to go for a comprehensive plan. A comprehensive plan not only covers the third party but also the damages to your two-wheeler and your hospitalization costs in case of an accident.

3. The pillion rider is covered under insurance:

People often assume that the co-passengers get protection by the policy too. And it's one of the biggest misconceptions. In case of an accident where the pillion rider faces injuries, their hospitalization charges are rarely covered under insurance. However, there are many add-ons available for personal accident covers to resolve the issue of pillion riders.

4. You can cancel your insurance policy without any consequences:

To some extent, it is true. You can certainly cancel your policy, but some additional cancellation charges/fees apply to it. Also, note that it is illegal to ride a two-wheeler on Indian roads without an active and valid insurance policy.

5. Premium depends upon your credit score:

Many owners feel the need to maintain a good credit score to bring down the premium, which is not true. The credit score is not a criterion as there are many other factors like age, make and model, IDV, previous insurance records to determine the premium rate. So, even if you have a low credit score, you can still get a reasonable low premium.

It is advisable to research on your own before buying any policy. Steer clear of such misconceptions that lead you to make bad decisions.

WANT TO KNOW MORE ABOUT THE FEATURES OF 2 WHEELER INSURANCE ONLINE. CLICK HERE…

In residential complexes or workplaces, fire situations are severe risks to the safety of people and assets. Understanding fires and putting best preventive policies are crucial for the administrative unit of the buildings. Knowing the different fire classifications will make selecting the best fire solutions much easier.

Water, carbon dioxide, foam, vaporizing liquid, and dry powder are the six primary varieties of fire extinguishers available in India. Remember that not all fires are the same, and not an extinguisher can put off all types of fires; therefore, it’s critical to know about their classes. In this space, we'll take you through the types of fire and the correct type of extinguisher needed to tackle them.

1. Class A (General Fires):
These fires are caused by common flammable materials such as wood, plastics, textiles, paper, and rubbish used in homes, workplaces, enterprises, and industrial settings. Class A fire flames are less damaging and can be put out quite quickly.

How to put out class A fire: The best way is to use a water or foam fire extinguisher. You may simply use tap water to put out this type of fire since it removes the fire's heat source.

2. Class B (Liquid Fires):
Combustible liquids and gases such as gasoline, oil, kerosene, paints, and gases such as propane and methane are the most common sources of class B fire. Typically, these fires occur in industrial settings that deal with petroleum and gas products.

How to put out class B fire: You need to cut off the fire’s oxygen supply to prevent the fire from spreading rapidly. Carbon dioxide, Powder, and Foam based extinguishers work best to combat Class B fires.

3. Class C (Electric Fires):
The primary source for class C flames is electric components. Short circuits are frequently the cause. Industrial buildings with heavy electrical equipment that consumes a lot of electricity are prone to these hazards. They can occur in households and small businesses as well.

How to put out class C fire: Class C flames demand prompt power shutoff and the usage of non-conductive chemical fire extinguishers such as CO2-based. You can even opt for powder-based fire extinguishers.

4. Class D (Metal Fires):
Combustible metals such as aluminium, magnesium, potassium, and titanium are the principal source of Class D flames. The majority of Class D fires occur in laboratories. On the other hand, combustible metals are employed in various industrial manufacturing and production processes, which raises the risks of class D fires in those industrial premises.

How to put out class D fire: Powder-based extinguishers that absorb heat and suppress the flames are the most effective tools to put out the fire under this class.

5. Class K (Cooking Fires):
Class K fires are often confused with the class B fires. This is because they share the same fuel source, which is combustible liquids. However, class K fires are significantly distinct. These fires typically occur in kitchens during food preparation. Cooking ingredients such as cooking oils and vegetable/animal fats trigger and fuel the flames. Class K flames are deadly and may wreak havoc in a short amount of time. They are commonly seen in restaurants and houses but can occur anywhere there is cooking involved.

How to put out class K fire: foam-based, wet chemical extinguishers work best on class K fires.

Now that you completely understand the origins of all these different types of fires and how to put them off. You should determine which fire extinguisher to keep at your disposal at all times. And don't forget only to purchase an ISI-certified extinguisher.

As the famous saying goes, “hope for the best and prepare for the worst,” while you’re out there searching for the ideal extinguisher, protect yourself and your assets with general insurance. Get a general insurance online quote today and add value to your assets.

To get general insurance online quote, 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.

The Motor Vehicle Act of 1988 requires all vehicles to be insured by adequate insurance coverage before they are driven on the road. As the country advances digitally, it is more obvious now than ever to purchase insurance or get a car insurance renewal with just a few clicks online.

At the same time, the increasing number of insurance rejection cases has become a serious concern to both insurance companies and policyholders. Many policyholders fall victim to a riptide of errors by selecting the wrong car insurance giving them more headaches than benefits.

In this space, we will talk about some common mistakes that you can avoid while renewing your car insurance or getting a new one.

1. Don't forget to compare policies:

There is an array of companies that provide car insurance services, and each has its own features and benefits. Take the help of web tools to compare the regularly purchased policies in the market and choose the one that offers the best benefits for your vehicle.
And, it doesn't end there. Do more study and read the terms and conditions of the policy document. Consider all the hidden charges and provisions before you purchase it.

2. Showing your back to online insurances:

By not doing so, you will prevent any unnecessary payments such as fees of intermediary agents, paperwork, etc. Insurance firms are encouraging insurances at reduced prices to online consumers since they believe they are informed and cautious. The online method simplifies the customer's buying experience with multiple plans focusing on the requirements, efficiency and attractive pricing.
If you are looking for a convenient and user-friendly method of buying car insurance, online is always a good option.

3. Avoid opting for basic third-party insurance:

Many car owners decide to get car insurance just to comply with the government rules and hence simply end up purchasing third-party insurance to save money on the policy premium. But, unfortunately, these insurances only cover the third party's injury and not the policyholder or the vehicle.
Given the hefty repair costs or total loss, it is logical to get comprehensive vehicle insurance covering all hazards. Make sure you do not choose only "third-party insurance", as it will get you in more trouble than convenience.

4.Right choice of add-ons:

Adding the add-ons isn't all of it! Maintaining a proper add-on balance is essential to enjoy maximum benefits with a long-term perspective. Adding excessive add-ons will cost you a hefty premium, whereas not including any add-ons will result in inadequate coverage.
You should be sensible to leave the add-ons that are not serving your purpose. It helps save you a handful of money on an annual premium.

Here is the list of some of the add-ons that you must have:

● Zero Depreciation

● Road Side Assistance (RSA)

● Engine protection cover

5. Read the insurance documents carefully:

A vehicle insurance policy paperwork may appear to be exhausting and requires immense reading. Many automobile owners feel it irrelevant to read the entire document and thus ignore reading the policy papers. However, they are unaware of how necessary it is to verify specific things mentioned in the policy.

Even if you do not read it word by word, it is imperative to confirm the features promised by the insurer. This will go a long way toward avoiding issues during a claim.

Here are few of the details that are important to verify in any policy document:

● Policy holder's name and contact details

● Vehicle registration number

● Engine and chassis number

● Insured Declared Value (IDV) of your car

● Policy coverage

● No claim bonus

● Other T&Cs

Final Thoughts:

Be a responsible buyer and go into the depths of every insurance policy that you may deem fit for your valuable vehicle. Making quick decisions is worth it only if your decision is a smart one. Insurances are meant to provide financial security to your belongings, so you should avoid making blunders while buying them.

READ MORE ABOUT THE BEST CAR INSURANCE RENEWAL POLICIES ONLINE HERE…