GENERAL INSURANCE BLOG

Commercial vehicles are used for transporting goods or carrying passengers, such as a truck or a bus. Their insurance policy is separate from the normal auto insurance policies we buy for private vehicles. Investing in commercial vehicle insurance is now hassle-free, with the exclusive option of buying online. This digital method of purchasing has brought a revolution for business owners to secure their commercial vehicles.

If you're a business owner unaware of the terms and conditions involved, here is a complete guide on buying commercial motor insurance online for business owners in India.

1. Convenient with many options:
An online commercial vehicle insurance policy is meant for business owners who are usually short on time. Buying commercial vehicle insurance online is very easy, offers many features, and will save a lot of your time. Unlike offline channels, buying such a policy online will help you check different companies' schemes. You can easily compare the terms and conditions, coverage provided, and premium amounts of different policies offered by various companies.

2. Cost-effective:
Online insurance channels are an open display of multiple commercial vehicle insurance schemes provided by several companies. Since there is complete transparency in what the policy offers along with the premium amount, the insurance companies quote their best rates to beat the competition. As a business owner, this will benefit you as you can buy the best policy at the most cost-effective rates.

3. Covers third-party damages:
A commercial vehicle such as a bus or a truck can cause serious damage to third parties if an accident occurs. The compensation amounts can be heavy, which can cause concern for any business owner. However, you need not be worried about the damage your commercial vehicle can cause to third parties when you are covered with a commercial motor insurance India plan. The insurance companies cover third-party damages caused by the commercial vehicle in case of a mishap.

4. Legal compliance:
Being a business owner, you will want to be 100% compliant with the applicable laws of the land to operate smoothly. Third-party commercial vehicle insurance is essential by law in India. Non-compliance will result in heavy fines. Existing customers can instantly renew their policies online without wasting time if the due date is approaching.

5. Financial assurance in case of an accident:
It is a rare possibility that you will yourself drive your commercial vehicle. Also, most business owners will have several such vehicles. They will be in the hands of paid drivers who handle your vehicle roughly and without proper care. This raises the chances of an accident immensely. Buying a good commercial motor insurance policy will ensure peace of your mind. In case any accident occurs, the insurance company will take care of the expenses. There will be no major financial burden on you.

6. Comprehensive commercial vehicle insurance coverage:
If you are looking for an insurance cover that will protect you against the majority of risks, go for a comprehensive commercial vehicle insurance coverage. Such online policies will protect you against damages caused to your vehicle by theft, riots, natural calamities such as floods and earthquakes, fire, terrorism, and the entire coverage that a third-party commercial vehicle insurance offer.

7. Exclusions in a commercial vehicle insurance policy:
As a business owner, you should know the damages your commercial vehicle insurance policy will not cover. Such policies exclude damages caused by electrical or mechanical breakdown, consequential losses, damages caused while driving under the influence of alcohol, driving without valid papers, damage while being involved in illegal activity, and intentional damages to the vehicle.

Commercial motor insurance India is extremely important because the owners rarely drive the vehicles themselves and depend upon drivers for their vehicles' safety and security. Also, the vehicles are heavy and big, making them more susceptible to accidents and damage. Business owners should do complete research about the available insurance options online first. They should then go for the best policy that provides complete coverage. This will give them peace of mind with no chances of incurring heavy monetary losses.

Click HERE to buy the best motor insurance India.

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

Even though we all know that eating fresh fruits is good for our health, are you aware of the magical benefits of drinking papaya water on an empty stomach in the morning? Papaya water has vitamins, helps digestion, eases menstrual pain, protects the kidneys, and reduces headaches and arthritis pain. It also helps fight cancer.

Regular consumption of papaya water can do wonders for your body. Let's understand the detailed benefits.

1. Positive effects of papaya water:
Now is the time to add papaya water to your daily diet to lose weight. The high fibre content facilitates smooth bowel movement, avoids constipation, and keeps you fuller for longer.

2. Immunity booster:
Boost your immunity with a glass of papaya water. It provides 200% of the recommended daily vitamin C intake, enhancing immunity and resistance to various infectious diseases. Develop a habit of drinking it every morning and give your body the day's immunity shot.

3. Eyesight improvement:
To get a clearer, brighter vision, eat papaya daily, whether raw or ripe. Papaya water is highly suggested for kids with eyesight problems because it is a powerhouse of vitamin A. Additionally, it prevents older persons' age-related macular degeneration from progressing as quickly.

4. Eases menstruation cramps:
Papaya is well-known for its characteristics in reducing menstrual pain. In addition to controlling menstrual flow, the fruit's papain enzyme instantly relieves discomfort for ladies with unbearable menstruation cramps.

5. Reduces stress:
According to studies, vitamin C deficiency significantly contributes to extreme stress and mood changes. Papaya water is a natural stress reliever that helps control mood swings and restore hormonal balance.
The antioxidants included in papaya water help fight free radical damage, a significant cause of cancer. Breast, colon, and prostate cancers can all be avoided by drinking papaya water regularly.
Dead skin cells are removed by vitamin A in papaya water, giving the skin an immediate moisture boost and a healthy glow. The potassium found in the fruit acts as a moisturiser and dullness remover. To notice results, spread a thin coating of papaya water mixed with honey on your skin and wash it off after 15 minutes.

6. Removes suntan:
Papaya has several enzymes that help treat sunburn and lighten skin. To fight microorganisms and get an instant glow, blend papaya water with a small amount of fresh lemon water and apply it to your skin. You will notice a sparkling effect of tan removal.

7. Works as a conditioner:
Thanks to its enzymes, papaya water naturally conditions the skin. To keep the keratin levels in the hair stable and the scalp free of dandruff, combine it with equal amounts of olive oil.

Though papaya may be consumed in various ways, drinking it as water is largely preferred since it tastes better. With the many vitamins, minerals, and antioxidants that papaya contains, it is a gift from mother nature that can have a surprising impact on your well-being. Include it in your diet daily to increase immunity and combat severe health conditions. However, papaya consumption is not recommended for pregnant ladies, as it can cause uterine contractions and abortion-related complications.

Along these lines, always buy health insurance online India to keep a protective cover on medical expenses during any emergency. The expense of medical care resulting from a disease, illness, or accident is covered by health insurance, making you feel stress-free and offering comprehensive protection to your loved ones. So, consider this most significant opportunity to protect the entire family and buy health insurance online India with a wide range of insured possibilities.

Click HERE to buy health insurance online India.

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

As a car owner, you already know that a vehicle breaking down can be extremely frustrating. After all, they are machines! As a result, you should always try your best to stay prepared for the worst. And if you are in the middle of a highway, you may do a few things to ensure you are safe and protected.

Breakdowns in the middle of a highway can be challenging and cause nightmares. Let us take a closer look at a few steps to get the best benefits while minimising the trouble caused due to unexpected breakdowns.

1. Park your car on the side of the road:
The first thing you need to do when your car breaks down in the middle of a highway is to park your vehicle as soon as possible. It is necessary because it can cause traffic jams and invite accidents. Try your best not to panic and slowly pull the car aside.
Not just that, but you should also remember to turn on your hazard lights to notify the people behind you. This factor will also assist you in avoiding a traffic jam without any difficulty.

2. Call for help:
The second thing you need to do when your car breaks down in the middle of a busy highway is to call a mechanic or roadside assistance company for help. This will make it convenient for you since they send professionals to fix your vehicle or tow it to the nearest garage or service centre. If the issue is fixable, they will do it within a few minutes on the spot so that you are good to go and reach your destination safely.

3. Keep tools in your car and use them:
If you know how to check a dead battery or change a flat tyre, you will be able to fix minor problems without any external help. Always keep important tools in your car at all times. For example, if you get a flat tyre, having a jack and a spare tyre will help you to change it and get to your destination within a short period.

4. Alert the traffic:
If your car breaks down in the middle of a highway, it is crucial to constantly alert and divert traffic. Since the traffic will always be moving, immediately put a triangle with reflectors behind your car to caution other drivers about the breakdown.
In case you don't have reflectors in your car, you can find objects like bushes and stones to create a barricading around your car and use them as a signal to alert upcoming vehicles about your breakdown. This way, you can avoid the chances of accidents due to collisions.

Your car breaking down in the middle of the road can cause panic, but you should try your best to deal with it confidently and with swift actions. Stay calm and think about things thoroughly to acquire the best outcomes. Always take your car to the service centre and get it thoroughly inspected for any problems before you set on a trip.

Make a checklist of important factors to cross-check them before travelling. Get your car insurance renewal before the next premium is due and avoid the policy from lapsing. Services discontinued due to non-renewal can make you lose vital benefits in case of an emergency.

Click HERE to get your car insurance renewal done.

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.

It is annoying to drive in wet weather when the temperatures are slightly lower and your helmet visor starts to fog up. This greatly reduces visibility, making accidents and mishaps more plausible. As accidents and deaths relating to driver negligence in these matters are on the rise, the fines levied on bikers have also been increased so that they are more mindful of it.

The question is, how do you prevent your helmet from fogging up? This blog aims to answer just that.

The science behind fogged helmet visors:
The air you breathe out is always considerably warmer than the air you breathe, that is, the atmospheric air. Especially in colder temperatures, the exhaled air is much warmer than the air outside.
This difference in temperature results in the visor having a very cold surface, which, when brought into contact with the warm air that you breathe, immediately has small water droplets on it. This is the reason behind your fogged helmets. Fogged helmets are a traffic violation, and you might have to pay hefty fines if caught.

Tips for prevention.

1. Balaclavas to the rescue:
A balaclava is a close-fitted piece of cloth, usually made of cotton or wool, which covers the whole head and neck, except the eyes. It is the most effective way to prevent helmet fogging in winter and keep the head and neck warmer.
However, it should be of utmost importance to ensure that the material is of good quality and has good breathability. This is because the cloth might sit on your face for long durations, so it shouldn't be an itchy material and should not hinder the driver's ability to ride the bike.

2. DIY water repellents:
Bringing expensive products to prevent fogging might be a good investment, but it feels even better if the job gets done for free. A few things in your pantry might help with this problem. Putting a thin layer of fabric repellent on your visor can prevent the condensation from staying at your visor.
Being a water repellent, it makes the water slide off the visor. The same can be done with a potato, but you should not rub it too much, or the visor might look milky and obstruct the driver's vision.

3. Give the visor breathing space:
Ventilation is the key to having a clean visor. Open any vents that are available to you. Also, keep the visor cracked open by just a bit, just enough that cool air from outside can come and reduce the difference in temperature between the two areas. You can do this by using a piece of tape.

4. Pin-lock inserts:
This is a costly but sure way to prevent any fog on helmets. It's an additional layer in front of normal helmet visors that stays considerably warm compared to the outer visor, thus eliminating any condensation. If your helmet doesn't support pin-lock technology, you can install a pin-lock into your helmet by drilling two holes into it and inserting it.

Maximum precautions should be taken to keep you, your loved ones, and others on the road safe. However, mishaps might happen. You won't want to drain your finances in the making up for the loss due to such uninvited events. What's the solution? Buy two wheeler insurance India to keep you insured and financially secure.

Click HERE to know more about two wheeler insurance India.

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

Buying your dream car is only half the job done. Maintaining it properly is complex and time-consuming, but it is all worth in the end. Do you know that routine car windshield maintenance is one of car care's most overlooked aspects?

Your windshield gets chipped by a foreign object hitting it, reducing visibility and threatening your safety. You take precious time out of your day to get it fixed for an exorbitant price, only to have it break again at the mildest inconvenience.

This blog tries to understand better why a windshield protection film is a good investment for your car.

What is a windshield protection film, and how does it work?

Windshield protection films are generally made of 3 layers. The topmost layer is a protective layer that safeguards your windshield against scratches and prevents UV rays from entering the car and harming you. The second layer prevents the windshield from cracking, effectively acting as a shock absorber that distributes the force of the debris hitting it. The third layer is mainly for adhesive purposes.

Some of the perks of having a windshield protection film on your car involve the following.

1. Replacing a windshield can be heavy on the pocket:
Despite how easily the glass breaks when something heavy falls on it, the cost of replacing the windshield is not cheap. Also, if you have a luxury car, the windscreen may be connected to other systems in the vehicle, which may need recalibration, adding to the extra expense.
Driving with a cracked windshield is punishable by law. Save yourself additional expenses and avoid being tangled up on the wrong side of the law by installing a windshield at the earliest.

2. Maintaining the car's aesthetic:
Car enthusiasts know how important it is to make your car beautiful inside out. Just like you keep your car's paint job pristine, the tyres filled, and the inside clean, investing in a windshield protector that keeps the front of your car looking smooth is necessary.

3. Keeps you safe:
A cracked windshield can hamper your visibility to a great extent. This might lead to an accident and long-term damage to your car, or worse, you and your family. Also, a windshield protection film will decrease the chances of shattering in lousy weather conditions, such as cyclones or hail. It gives overall protection to your car.

4. Protects against UV damage:
UV rays damage the skin and retinas and cause long-lasting health conditions such as skin cancer and blindness. These films have the added advantage of blocking UV rays so that they can't enter the car and thus, resulting in better health.

Now you know the advantages of having the right windshield protection film on your car. It is vital to make a wise decision that meets your short-term and long-term goals for your car. Select the best windshield protector by discussing it with a trusted mechanic in your area. Just like you plan to upgrade your car's windshield, you need to consider upgrading the car's safety too.

You can achieve this by buying reliable car insurance. Before making the purchase, understand the new car insurance rates of different companies and their policies, and then finalise the one with the best coverage and rate.

Click HERE to know more about new car insurance rates.

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.

Planning family vacations is a daunting task that requires lots of research, budgeting, and scheduling to ensure everyone's availability. While adults' travel options are virtually unlimited, a lot must be considered when you have kids in tow. The climate, accessibility, activities that engage kids, and safety provided by the destination are the usual criteria that parents look for while planning family vacations.

Regardless of the destinations you consider, you must pay attention to purchasing general insurance that covers accidents while travelling. Especially when travelling with kids, it is necessary to be prudent, for which we recommend checking general insurance online quote, which makes the process easier, comparable, and faster.

With the increased means of living and accessibility to foreign countries, there is an increase in outbound vacations. Of the myriad options available for outbound tourism, the European destinations are the most-liked of them. Europe offers charming sceneries, stunning architecture, bustling cities in contrast to the peaceful countryside, and local cuisines palatable to kids. Here is a list of ideal European destinations that make for the perfect family vacation.

1. Rome:
Italy experiences long summer months and short winters, giving tourists plenty of time to explore the country. May to September is the peak tourist season for visiting its beautiful beaches. We recommend visiting Italy between April to May when the weather is pleasant and not too hot. The Colosseum, Spanish steps, and Gladiator Lessons are some of the experiences your family will surely enjoy. The city's delectable gelato, pasta, collection of cheeses, and freshly baked items in bakeries should not be missed.

2. Paris:
Popularly known as the city of love, it is home to gorgeous monuments. However, the city accommodates kids and offers much more to keep them engaged. Jardin du Luxembourg, built by Napoleon, is a 23- hectare park offering activities like sailboating, pony rides, carousels, and marionette shows that will thrill your kids and make for a perfect day out coupled with a picnic.
The city also has several museums dedicated to art, culture, science, and architecture for indoor activities. A magical day at the Disneyland Resort will be the perfect end to your stay in Paris.

3. The Algarve, Portugal:
The Algarve is your best bet if you're looking for an adventurous vacation with plenty of bonding time. Visit its magnificent sandy beaches to lounge, marvel over the natural beauty of the Benagil cave, or participate in surfing, jet boating, or dolphin-watching boat tours. You can also enjoy off-roading, go-karting, and horse riding or visit Zoomarine, Slide, Splash, or Aquashow, some of the region's best water parks.
Considering the risky nature of activities despite the safety of the Algarve, it is essential to have general insurance for your family that covers any accidental mishaps that may occur. Ensure that your insurance covers travel accidents, or consider purchasing one by comparing the general insurance online quote offered by insurance companies.

4. Corfu, Greece:
The famous island offers adventure, expansive pristine coasts, multiple museums, and archeological sites, making it a perfect destination for a family vacation. If you are seeking to lounge and relax, the East coast resorts offer just that and a selection of the finest restaurants and fun activities within the resorts.
The western coast has shallow beaches and sea caves that are a must-visit for adventure seekers. Rent a car and drive around the island while exploring the ruins of castles, museums, and picturesque villages.

Europe offers several destinations that make for ideal family vacations. Valid documents and a passion for exploration are all you require to make the most of your next European family vacation! Get ready to make a plan this holiday season. Also, remember to look for general insurance online quote before you plan your trip.

Click HERE to get a general insurance online quote.

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.

An active insurance policy for two-wheelers protects you against damages caused by an accident, theft, and damage to a third party's vehicle or property. An active insurance policy is a must because two-wheelers are more prone to accidents than four-wheelers.
Also, an active insurance policy is compulsory under the law. As per the new Motor Vehicle Act, 2019, the fine for riding a two-wheeler without a valid insurance policy is a hefty Rs. 2000 and/or imprisonment up to 3 months.

If caught without a valid insurance policy for the second time, you may have to pay a fine of Rs. 4000! Hence, if your two-wheeler insurance has lapsed, immediately renew it, not just to be safe from being penalised but to have secure financial coverage for your two-wheeler. You can now easily renew two wheeler insurance online India with a few clicks and hassle-free payment.

Let us go through the consequences of delayed renewal and a lapsed two wheeler insurance policy in India.

1. Loss of cover:
The insurance cover ceases to exist from day one of the non-payment of the insurance premium for the renewal of the policy. This means that you should always renew your policy a few days in advance and never wait for the policy to expire first and then renew it. The insurance company will not cover any of the damages due to accidents or theft of the vehicle after the expiry of the policy. It will also not cover any third-party liability arising from an accident caused by you.

2. Delayed renewal:
There may be certain situations when you cannot renew your insurance policy in time. You may be ill, out of city or country, or forget the renewal date. To deal with such situations, a two-wheeler insurance policy provides a grace period of 90 days after the policy's end date. You can renew your policy within these 90 days, and the insurance company will create the policy as a "break-in". Such a renewal is termed a delayed renewal.
The delayed renewal allows you to claim certain benefits, such as your NCB. The "No claim bonus" accumulates yearly if you do not make any insurance claim. It is a sort of discount that you can enjoy in the insurance premium at the time of renewal of the policy. Over a few years, the accumulated NCB can help you save around 50% of the insurance premium.

3. Lapsed policy:
A policy cannot be renewed after the lapse of 90 days grace period that the insurance company provides. You will lose any unique benefits from your previous policy, such as the accumulated No Claim Bonus. The renewal premium will also be higher than what you pay in an existing policy. Moreover, you will have to get a fresh inspection done for your vehicle by the authorised person from the insurance company. You may have to bear the inspection costs as well.

Any insurance company will stop the protection cover immediately after your two-wheeler insurance policy expires. Unfortunately, if you meet with an accident even on the next day after your policy expires, the company will not compensate you for any claim.

Therefore, the best way to deal with such a situation is to renew your insurance cover in time. Renewing a policy has become quick nowadays with the emergence of two wheeler insurance online India. You need to keep your old insurance papers handy, visit the insurance company's website, go to the renewal section, make the required payment, and Bingo! Your renewal is done!

Click HERE to buy the best two wheeler insurance online India.

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

Filling your bike’s tyres with nitrogen will help you to maintain proper tyre pressure, which ensures that it runs smoothly under all riding conditions and terrains. Moreover, you can cover more distance per litre of fuel and considerably save on running costs. Also, correct tyre pressure ensures a better grip on the roads, which minimises the chances of a mishap.

You can also use compressed air to fill your bike tyres. One usually faces a dilemma of which one is better and why. In this blog, let us go through why filling your bike tyres with nitrogen is beneficial.

1. Longevity:
Compressed air seeps out of tyres much faster than nitrogen. While nitrogen usually stays in the tyres for almost a month, compressed air stays only for 10-15 days. Hence, if you fill your bike tyres with nitrogen, you will need to inflate them less frequently. Tyres will stay in shape for more days, saving you money and effort from continuously inflating the tyres.

2. Constant and uniform pressure:
Riding often during hot summer afternoons can increase the risk of a tyre bursting. The compressed air inside the tyre becomes very hot due to the high temperature. There is a higher level of water and oxygen in compressed air, which reacts with an increase in temperature. The air pressure increases due to heat, causing the tyre to burst.
Nitrogen is drier than regular compressed air and helps to retain constant and uniform pressure inside the tyre. It is more stable than compressed air and does not get heated up as quickly as regular air. Hence, the air pressure inside the tyre stays in control and does not shoot up with the heat. There is a much lesser chance of a tyre burst if it is filled with nitrogen.

3. Mix and go:
You don’t have to worry about refilling your bike tyre with nitrogen only every time you go for your tyre inflation. Compressed air and nitrogen can be mixed. Hence, you can always get your bike tyre filled with compressed air if nitrogen is not available around you. Also, nitrogen seeps out very slowly from your tyres in case of a puncture. You get sufficient time to get to a refilling station.

4. Savings:
Using nitrogen to fill your bike tyres helps save substantially on wear and tear costs. As mentioned, nitrogen keeps the tyres in good shape. It causes lesser rubber damage due to fatigue, and tyres last much longer. Also, nitrogen does not rust the metal tyre rim. Oxygen in the regular compressed air starts reacting with the moisture present in it, resulting in oxidation and rusting. So, with the use of nitrogen, the rim also lasts much longer, helping you save a lot of money in the long run.

Refilling our tyres with nitrogen is definitely more expensive than regular compressed air. But the overall benefits of using nitrogen are much more in the long run. We get a stable ride with a better grip and improved efficiency.

Similarly, buying bike insurance online is also more beneficial than buying it through regular offline channels. Bike insurance online provides us with a complete package of choice, comfort, coverage, and security, along with being economical.

Click HERE to buy bike insurance online.

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