GENERAL INSURANCE BLOG

Driving is a skill that requires utmost responsibility while behind the wheel. While several uncontrollable factors cause accidents, motorists must always ensure they are non-negligent, careful, and alert while driving to minimise the risk of accidents.

One controllable factor that may lead to mishaps is drowsy driving. While sleep is uncontrollable, one must never drive in a dazed state of mind. While car insurance renewal may cover the loss to your vehicle, it does not suffice for the mental and physical trauma that results from accidents.

If you frequently feel drowsy while at the wheel, here are some tips to shake off the haze and drive alertly!

1. Break up your driving frequently:
Take a brief break from driving every 100 miles or two hours, regardless of how well you've slept the night before. Plan your route so that you may frequently stop to stretch, get some fresh air, and grab a snack or refreshing drink.

2. Drive cautiously at the drowsiest hours of the day:
Since your body's internal clock tends to make you sleepier between midnight and six in the morning and early afternoon, try to avoid driving during those times.

3. Sleep well at night:
A restful sleep of seven to eight hours is essential before a lengthy journey. When you feel drowsy, park at a safe spot and take a quick power nap.

4. Travel with a friend:
Bring along a passenger who can share driving chores and keep you awake because most drowsy driving occurs during a solo journey.

5. Avoid night-time driving:
Avoid driving at night if possible because it makes people sleepier and less aware. If you work a second or third shift, abstain from driving when your body is most used to sleeping.

6. Avoid using sedatives and alcohol:
Alcohol and other sedative drugs disrupt your sleep and make you feel sleepy the next day. Avoid driving under the influence of alcohol or any other drug.

7. Consider your health:
If you frequently have difficulties falling asleep, speak with your doctor to see what the issue might be. As with sleep apnea or narcolepsy, modest signs of exhaustion can occasionally indicate more severe health problems.

8. Get a caffeinated drink:
Pull up to a petrol station and buy a coffee, tea, soda, or energy drink for a fast dose. Caffeine enters the system and starts its impact after a half-hour. So, if you regularly consume it, you might not get the appropriate benefit.

9. Be alert for cautionary signs:
Look for an instant opportunity to stop and relax if you have any drowsiness. Don't try to push through if you're exhausted. Always remember that it's better to be safe than sorry.

10. Engaging radio programs to hear:
Turn on an exciting radio program to keep your mind engaged and awake if you're travelling alone or your passenger's talk has run dry.

11. Watch out for sleep-inducing tricks:
Some individuals use their windows, air conditioning, or radio to make themselves more alert, but doing so can take your focus off the road. It is preferable to pause and give your body the rest it requires rather than using these tactics.

12. Do not rush things:
Give yourself some additional time to react on the impromptu roadside excursions. Being rushed increases your chance of an accident and injury and decreases your likelihood of taking the necessary driving breaks.

Getting enough sleep is the best defence against drowsy driving over the long term. Focusing on your sleep hygiene, which includes your routines and environment, can help prevent drowsiness while driving.

You can endanger yourself and others if you find yourself nodding off while driving. We encourage you to undertake timely car insurance renewal to minimise the risk of accidents and efficiently deal with damages due to mishaps.

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.

With the onset of the New Year, travel experts predict a significant increase in tourism despite the possibility of an incoming recession. As the covid-19 has restricted travel for a long time, travel enthusiasts view their hobby not just as a leisurely interest but as a priority. Before making your travel plans in 2023, renew or purchase general insurance that covers travel-related losses and makes your journey less worrisome and more enjoyable.

Check out these forecasted trends before planning your perfect vacation in 2023!

1. Growth of ecotourism:
Ecotourism focuses on observing natural habitats of flora and fauna and untamed wildlife with the intent to preserve and appreciate it. Also known as nature tourism or wildlife-watching tourism, the activity is expected to become popular with the constantly increasing interest of nature enthusiasts.
Several travel agencies now organise such tours and curate itineraries in well-preserved habitats with ample support from local experts and communities to educate tourists and display a side of nature beyond standard safaris.
Before going on such trips, consider the allied risks of the activity and ensure that you have appropriate insurance, like general insurance, that covers any potential accidents and costs you may incur.

2. Focus on sustainable travel:
Sustainability is no longer just a passing phase but an aspect of travel that is expected to stay for years. With Millenials and Gen Zs showing an interest in minimising their travel impact, the tourism industry is adapting to their preferences.
While itineraries in the past used to be all about extravagance and fancy travel without a care for its impact, the effect of travel on the local economy, environment, and community are factors that tourists now keep a check on. The sustainability movement is set to grow in the year and will directly impact travel.

3. Domestic destinations to win favour:
With soaring inflation and the incoming recession, prudent decisions are the need of the hour. Despite the rising costs and uncertainties about the future, travel enthusiasts are not settling for another year of staying cooped up at home.
Instead of cancelling or postponing plans, travellers are altering their plans to stay within their budget while deriving the greatest value. Local destinations are predicted to see a significant rise in footfall in 2023 with their relatively lower accommodation costs and other expenses.

4. Business travel and remote working:
Despite the relaxation of restrictions, many companies are choosing to allow remote working as an option for employees to reduce office expenses and provide flexibility of working from anywhere.
In the last two years, several employees have spent their time working from a remote destination while on vacation, allowing them to travel while working. The trend is expected to continue with a rise in business trips, retreats, and recreational events.

5. Unique experiences to take centre stage:
Almost 75% of responders to a survey focused on Indian travellers' preferences indicated their intention to savour out-of-the-box experiences. While domestic travel is set to be significantly high due to budget constraints, expenditures on experiential activities are not left far behind, with the desire to explore offbeat cultures and cities to gain unique experiences.

6. Focus on savings:
Travellers are focusing on mindful budgeting to prepare for their upcoming travel plans, and most of their travel fund is set to come from their savings. Budget-friendly destinations with affordable transport, accommodation, and plenty of attractions are vital factors that tourists are looking for while planning their trips.

With careful research and planning, it is easy to successfully plan your trips in 2023, despite the expected economic slowdown. By keeping track of budgets, loyalty programs, off-season activities, and purchasing general insurance, you can make the most of your trip while staying within your budget!

Click HERE to buy the best general insurance in India before your next travel trip.

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.

Can you imagine a car without a windshield or with a cracked windshield? A car windshield caters to various functions, such as keeping dirt and debris out of the vehicle, preventing the heat and glare from the sun, saving the driver from an impact, providing a clear front view to the driver, and much more.

Taking proper care of your car's windshield is not difficult or expensive. All you need to do is regularly check for any cracks and fix them as soon as possible. Proper care and maintenance make the windshield last longer and keep the passengers safe. Additionally, purchasing car insurance India can help shoulder the burden of replacing any car components due to an accident.

If you are planning a long trip, here are a few tips to ensure the safety of your car's windshield.

1. Review the condition of windshield:
Parking at the wrong spot, especially for long periods, can damage your car's windshield beyond repair. Due to extreme temperature exposure under direct sunlight, the windscreen gets stress cracks. Such stress cracks lead to an increase in windshield breakage risk. Moreover, such damages can get worse due to constant temperature fluctuations.
Whenever you decide to leave for a trip, ensure the windshield is in good condition to prevent glass breakage and maintain the glass's durability.

2. Fix every crack:
Before leaving for any trip, ensure your car's windshield is crack free. Ignoring small cracks or chips in their car's windshield can result in bubble formation between the cracked glass layers. Regardless of the bubbles' size, they can severely damage the windscreen if left unattended. It is essential to fix them immediately because if you don't, you might have to vent your pockets to replace the windshield after you return.

3. Replace the windshield wipers timely:
Some car owners don't know, but the windshield wiper affects the glass's health in many ways. Along with the windshield, taking care of the wipers is also essential. It is common knowledge that wipers have an internal metal structure with a rubber coating on the outside. The rubber coating wears off regularly, revealing the metal frame. Using metal on the glass can weaken it and lead to scratches. Therefore, check the condition of your wipers before leaving on your trip to prevent the exposed metal's pressure on the glass.

4. Windshield tinting:
The windshield is the largest glass surface of a car that facilitates proper traffic visibility for the driver. Since parking under shade may not always be possible, laminating your windshield may minimise the impact of harmful UV rays and block out sun glare to a certain extent to preserve the strength of the glass.
We recommend approaching a professional mechanic or your authorised car servicing centre to ensure that you adhere to the mandated visibility limit of applying laminated tints that allow a minimum of 70% light transmission. While car tinting kits are readily available, self-modification may result in your insurer rejecting your claim against car insurance India.

Considering the massive investment required to purchase and maintain your car and its components, it is essential to take preventive measures when leaving your vehicle unused for long periods. Your car demands regular care to be in its best shape and ensure effective functioning. Additionally, consider buying car insurance India to cover any replacement costs or damages that may arise from involvement in accidents.

Click HERE to buy car 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.

In a high-population nation like India, pedestrian deaths from road accidents are alarming. Drivers should be fully aware of pedestrian behaviour and the dos and don’ts of driving to avoid accidents with pedestrians. This would make pedestrians feel safe and secure while walking on the roads.

Here are some practical tips for drivers to avoid pedestrian accidents.

1. Control your speed:
Proper control of your car’s speed is the key to ensuring that you don’t get involved in pedestrian accidents. You need to drive slowly where the density of pedestrians is high. Often in a crowd, people tend to move quickly on the roads without bothering much about the approaching vehicles.
Lower speed will give you ample time to react and apply brakes if someone suddenly turns up in front of you.

2. Patience:
Patience is the key for any driver while dealing with senior citizens and children on the roads. Senior citizens may walk slowly on the roads, while children may do the exact opposite and rush. Also, while senior citizens may not see any approaching vehicle clearly due to poor vision, children may completely ignore looking at the vehicles on the road and just run here and there.
The same applies to dealing with people with disabilities on roads. A blind person will not be able to see the traffic on the roads, while a disabled person may be trying to go from one place to another in a wheelchair slowly. The drivers must drive patiently around such people. They should let them pass through first to avoid any accidents with them.

3. Do not drink and drive:
The worst thing to practise is drink and drive as it hampers your senses and decision power. You will not be able to react in time which may cause a serious accident with the pedestrians. Drinking and driving also attract punishment under the law. Never let someone innocent be a victim of your carelessness.

4. Look carefully before overtaking:
A driver should always be extra cautious while overtaking a stationary car in the middle of the road or at crossroads. There is a high chance that a pedestrian might be crossing the road.
The pedestrian may suddenly appear in front of you while trying to overtake the car from the right at high speed. Hence, be cautious while overtaking, as you might hurt pedestrians or risk their lives.

5. Keep away all distractions while driving:
Nowadays, a common cause of road accidents is talking on a mobile phone while driving, texting, eating, adjusting the stereo, etc. Drivers lose focus on the road, resulting in an accident with pedestrians or other vehicles.
Never take your eyes off the road while driving, be it for any reason. If you are getting a call on your phone and it is urgent, stop your car on the side and then take the call. Do the same if you want to send a text, take a small eating break, or if you have to adjust your car’s music system. This will ensure that you drive attentively and are in total control of your car while driving.

Drivers should never drive rashly nor give pedestrians a sense of danger or fear while accessing the roads. Roads are public property, and every citizen has the right to use them without fearing an accident. Drivers should follow the above tips and ensure the safety of pedestrians on the roads.

Motor insurance does the same for drivers and vehicle owners. It gives a sense of safety and security from the probable perils on the roads and provides protection even when the vehicle is stationary and parked somewhere. Moreover, it is also mandatory under the law. Hence, go for the best motor insurance company and choose the right policy offering you maximum benefits with an attractive premium.

Click HERE to buy reliable motor insurance for your car.

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.

Establishing a business can be challenging but not impossible. Many thoughts may cross your mind when you consider starting a business. Whenever you start a business, you need to take small steps to fuel your business growth. A small-scale business can take flight later and become a lucrative and flourishing venture. It is also a given that you will encounter many problems during your startup. These issues are generic and are experienced by every business. Hence, you must plan accordingly and prepare to face these challenges.

If you're a new entrepreneur looking forward to mapping the roadmap of your startup, then this article is for you. We have carefully curated a list of the common obstacles you may face in scaling your business. You should also know about public liability insurance prices before establishing your business.

We have mentioned the everyday problems of a business owner below.

1. Raising capital:
Every business needs enough capital to get started. It is the first prerequisite before a company is established. Putting initial investment can be overwhelming as you require it to run your business. It can put a lot of pressure on you as the owner. Hence, it is recommended that owners work a side job to generate capital for the business.

2. Dealing with work fatigue:
When establishing a business, you must devote more hours than others. The company becomes your sole responsibility; you still hustle even when you feel tired. Hence, you continue to give in extra work hours even when physically and mentally exhausted. This can lead to rash and unhealthy decisions that you can take in an unstable frame of mind.
It is recommended to take frequent breaks. You need to find a balance between your work and personal life. Try to incorporate the 8+8+8 rule (8 hours of dedicated hard work + 8 hours of proper sleep + 8 hours of personal time for family, friends, hobbies, and health).

3. Time management:
As a startup owner, you must manage most tasks throughout the day. This means that filing the paperwork, answering calls, attending meetings, and also employing others will be done by you. This can put you in a real-time crunch. You will fail to meet deadlines. You should always work out proper time and task management before starting your day.

4. Finding the right people:
When a small business is established, you must find skilled and trustworthy staff. Not only should they be qualified, but they should have the potential to adapt to the dynamic environment and evolve as their role expands. It can be a big challenge as most skilled people work in established companies. You must identify and sort through multiple applications before finding the ones you seek. It can take a lot of time and effort. Bring only those people on-board who have the same vision as you do.

5. Establishing a customer base:
Your small business will be unable to take off without the involvement of customers. It is their demand that helps set wings for your vision. However, it is a daunting task in itself. Customers might not know about you as you are not a big name in the market yet. They may also not trust you with their needs. It is advised to create effective brand awareness to attract the ideal customers.

These are some of the many obstacles small business owners face while setting up their enterprises. Entrepreneurship is a challenging journey that requires significant efforts but provides excellent returns. You need to be patient and resilient until your company takes off. We also recommend researching public liability insurance prices in advance for your business to protect your business from any lawsuits or claims made by employees or third-party.

Click HERE to buy public liability insurance.

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

Certain privileges become accessible only after attaining a specific age. In India, the legal age to drive motorised vehicles is 18 years. If you have recently become eligible to drive legally, congratulations! Driving is one of the first activities that excite youngsters.

However, you must be extremely careful with your first vehicle. Reckless driving puts your life, car, and third parties in danger, so you must always practise safe driving and purchase the best car insurance in India to safeguard your finances. Regular car servicing is crucial to prevent frequent breakdowns and costly repairs.

Here are some essential car maintenance tips that all teenagers must follow if they have already obtained a driving licence.

1. Keep the manual accessible:
Four-wheelers are complex vehicles with several parts that require specific maintenance. Unless you are an automobile professional, it is unlikely to know every part's specifications. Do not shy away from using the manufacturer's manual as a guide to understanding details about your car. You can also find solutions to common problems like changing flat tyres and tips to jumpstart your car.

2. Don't neglect the battery:
An often overlooked auto part, your car's battery can leave you stranded when neglected. Dragging engine sounds are an early sign of a drained battery. Ensure to pay attention to such signs and turn off the engine, radio, cabin lights, etc., when not in use to prevent battery drain.
While most batteries claim to have a life of up to 6 years, they usually wear out within three years, depending on use, making it necessary to keep a check and replace it when you notice early signs of voltage drops.

3. Replace your windshield wipers:
Visibility is crucial to driving safely. Before turning on the ignition, ensure that your side and rear mirrors and windshield are clean. This ensures proper visibility of the incoming and surrounding cars to make appropriate judgements on the road.
Wiper blades enable the windshield to stay obstruction-free. Since they are made of rubber, they may wear out and leave streaks on the glass, making it challenging to drive confidently. Therefore, ensure that you periodically inspect the state of your windshield wipers and replace them when worn.

4. Pay attention to engine oil:
It is essential to pay attention to the heart of your car- the engine. The engine's functioning depends on the seamless working of several parts facilitated by the lubrication provided by the engine oil. If you do not replace your engine oil periodically as per the manual, excessive friction and contaminated oil may damage the engine parts. Leave this task to professionals to identify any issues simultaneously.

5. Check your tyres:
Irrespective of terrain, maintenance of tyres is an essential aspect of car upkeep that you must consider. It is critical to do so to ensure proper gripping and weight balancing to prevent accidents. Ensure you periodically rotate your tyres and check the air pressure, tread depth, and wheel alignment.

6. Replace your pedals:
The ABCs in a car- Accelerator, Brake, and Clutch are primary necessities that must function properly to ensure a smooth driving experience. However, frequent use leads to the wearing out of the ceramic pads over the metal discs that engage the systems. Therefore, keep track of the pedals' sound and thickness when your car is inspected to identify signs that the pedals require replacement.

As beginners, it is challenging to keep track of every minute detail. However, with time and relying on expert guidance and the car manual, it is easy to maintain your car's prime state. Ensure you regularly service your vehicle and purchase the best car insurance in India to take your mind off the safety aspect and allow you to focus on driving safely!

Click HERE to buy best car insurance in India.

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

Nothing represents India better than big fat Indian weddings! Vibrant colours and never-ending streams of ceremonies are giveaway signs of a wedding-in-planning. However, while guests only see the wedding as well-planned, the staggering costs of planning a wedding in India have only grown over the years.

A wedding is a significant decision that impacts your finances. Irrespective of the size of the event, it involves extensive planning to design and execute that one special big day. Selecting a wedding destination is one of the first steps to facilitate the process. It is best to contact a general insurance company and take out a policy that covers potential financial losses against any substantial risks.

Choosing a perfect venue may seem like a challenging task. By avoiding these common mistakes, you can find the destination of your dreams without any hassle and future regrets!

1. Organise your requirements:
It is easy to get overwhelmed and do things out of order as they please you. However, without careful consideration, you are bound to make regretful choices. Before looking for destinations, make a physical list of some points to remember.
This includes the estimates of guests, the budget set aside for the venue, the kind of location you expect, and the sequence of activities and ceremonies. This will help you consider the site while keeping the facts in mind, making it easy to imagine whether or not the choice is right for you.

2. Pictures are only references:
Starting your hunt for the perfect venue a few weeks or months before the date is an absolute nightmare waiting to happen. However, if you choose purely based on images on the internet, the result is bound to be a disaster. Make sure you check the venue in person to ensure that it satisfies your criteria.
Booking in advance is a recommended step that allows you to avail of discounts and avoid settling for the substandard alternate after finding out that your ideal destination has already been booked.
If cancellations and uncertainties hold you from booking your venue in advance, consider discussing wedding insurance with your general insurance company that compensates in the event of cancellation.

3. Consider the distance:
While it is your wedding, you must consider the travel to the venue to ensure that it is convenient for your guests. Ease of accessibility and nearby or on-site accommodations are vital factors when choosing the wedding venue.

4. Check the venue rules:
Venues often have non-alterable rules. Carefully consider their policies before committing to the site, only to discover that the location does not allow any of your planned activities. If it is non-negotiable for you, ask for their adjustment. In case it is approved, ensure that you have it in writing as proof in the future.

5. Don't hold back your queries:
Asking too many questions may feel like a nuisance but clarifying everything is best rather than being confused. Do not shy away from asking all about the duration that the venue is let out for, accessibility, amenities, and other facilities. Make them aware of any special requests at the earliest to ensure that the organisers have enough time to accommodate your needs.

6. Consider the weather:
An outdoor wedding may be your dream, but it may not be feasible during the monsoon. Ensure that you consider the forecasted weather conditions' compatibility with your venue. Indoor weddings in elegant halls are highly preferred backup options that save the day.

Most importantly, avoid individually taking the responsibility of choosing the venue. It is ideal to delegate the task to a few close friends and family members who can help you find the perfect destination that satisfies you and is practical. You may even decide to hire professional wedding planners to make the occasion an exceptional one. It is also ideal to purchase a prudent cover from a general insurance company while planning your big day.

Click HERE to buy insurance from the best general insurance company.

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.

Motor insurance is a mandatory purchase that helps you safeguard your vehicle and alleviates monetary stress in case severe damages are caused to your car during accidents, collisions, and other unfortunate situations. And if you are aware of motor insurance, you must know about the premium charges, insurance coverage, add-on benefits, claims, etc.

These factors influence your decision to make a final choice of motor insurance amongst the different policies from various insurance providers. And purchasing motor insurance is not just a one-time deal. It requires renewal from time to time to avoid losing on the benefits. You can opt for online motor insurance renewal for a hassle-free buying process.

Are there some important tips one must know about while renewing their motor insurance? This blog will answer all your queries.

1. Browse through other policies:
With the ease of accessibility of the internet, consumers are at an advantage. They can find detailed information about the services provided by various insurance providers, which makes it easier for them to compare and analyse which policies would optimally suit their needs.
The availability of a calculator helps customers to calculate the premium charges of various policies of the same category. It also allows you to compare the benefits of different policies and enables you to decide which insurance provider gives you the best benefits at the best rates.

2. Go through those add-ons:
Additional benefits are definite game changers in attracting customers. Always check the add-on benefits of the policies before you finalise a policy. Zero depreciation cover, engine protector coverage, etc., are some of the add-ons that are definite indicators of an efficient and affordable policy.
These are necessary, especially for luxury cars, which depreciate as the years pass by a massive margin compared to vehicles in other ranges. You can upgrade your current insurance plan by including these add-ons and secure your asset with complete protection.

3. What is your car currently worth:
Knowing your car's current value is essential for you to get compensated by your insurance provider in case your car gets stolen. Being aware of your IDV or Insurance Declared Value helps you achieve the current market value of your vehicle through your motor insurance policy.

4. What happens if you make no claims:
If the policyholder does not claim for an entire insurance period, the insurance providers/insurers provide a No Claim Bonus to them as a reward. This No Claim Bonus is awarded as either a discount of twenty percent after the fulfilment of one policy year or as a fifty percent discount on the completion of five claim-free policy years. Using the No Claim Bonus at the time of your motor insurance renewal can help reduce the price of your premium charges by up to fifty percent as the years' pass.

5. Read all the conditions carefully before upgrading your policy:
We have all heard the "terms and conditions apply" and the warning related to "read all policy-related documents carefully before accepting any upgrade offered by the insurance company. You must go through all the clauses and conditions before renewing your motor insurance policy to be aware of the benefits, the conditions, and the type of plan you choose.
This will help you analyse if you wish to switch your current insurance policy to a new one based on your needs using the "portability clause." You must ensure that all your benefits are intact even after porting your insurance policies to avoid any hassle in the future.

These are some tips for upgrading your motor insurance during renewal. And while we have already discussed the benefits of motor insurance, you can now purchase one at your convenience without suffering through the exhaustion of consulting various insurance providers or their agents. Just opt for the online motor insurance renewal, explore and renew your policy from the comfort of your home.

Click HERE to learn more about online motor insurance renewal.

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.

Have you ever felt unproductive while having tight deadlines and no creativity or motivation to complete your tasks? You may be facing burnout and are among 40% of the Indian workforce. While it may seem challenging to get out of such a phase, the best way to overcome the symptoms of burnout is to step away from work and hit refresh! What better way to do so than going on a short vacation?

Considering the intense work pressure and hectic schedules, taking a leave may not always be possible. So why not make the best use of your weekends to drive away from monotony? Short road trips are the perfect way to meet your requirements without overspending. Considering the traffic-packed roads across the country, taking your bike on the journey may be ideal.

If you’re convinced, pack light, gather your friends, get your bike serviced, ensure all the papers are in order, and purchase two wheeler insurance online India. Pick a destination from our specially curated list to experience the joy of a quick getaway over the weekend!

1. Cherrapunji, Meghalaya:
Known as a quaint town, the wettest place on Earth is home to unique living root bridges that you must check out. With well-built expressways through scenic greenery, motorcyclists are in for a joy ride on this journey. We recommend starting from Guwahati or Shillong to experience the best of the town’s old-world charm.

2. Goa:
Planning a vacation without mentioning Goa, irrespective of duration, is impossible. With excellent connectivity to neighbouring states, the party capital is the best place to head to if you need tranquillity or happening parties. The ride through the picture-perfect Konkan belt will stay in your memories forever!

3. Ooty:
The rolling hills of Ooty and its lush greenery make for a serene getaway. Enjoy the view of far-reaching sprawling tea and coffee plantations as you drive through valleys on meandering roads.

4. Jaisalmer:
If rough terrains excite the motorcyclist in you, Rajasthan’s cities are the perfect destinations to plan your next road trip. A panoramic view of the beautiful blend of culture, heritage, and vibrancy will follow you as you make your way to the Golden City. Considering the arid surroundings, planning your trip between November and March is suggested. We urge you to purchase two wheeler insurance online India to cover any mishaps you may encounter during your journey.

5. Araku Valley:
At a little over a hundred kilometres away from the City of Vishakhapatnam is Araku Valley, a hill station with rustic heritage, tribal influence, and coffee plantations. While the journey may be short, the valley offers the best nature, biodiversity, and climate, making for a refreshing retreat.

6. Munnar:
If you fancy long-distance road trips, plan your next trip to Munnar, a hill station in Kerala. Its green hills, waterfalls, and tea plantations make for the perfect view on your journey, which may take up to 04 hours if you start from Kochi.

The other popular destinations include Lonavala, Karjat, Alibag, Nasik, Daman, etc. which promise a happening weekend setting for you to unwind and return with positivity and energy.

This list is not exhaustive and only includes some destinations you can consider setting off. While each destination has a unique appeal, we urge you to purchase two wheeler insurance online India before you depart on your two-day vacation! Safety should always be on top while planning bike trips. Wear proper gear and a helmet to safeguard yourself from any mishap.

Click HERE to buy 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.

Riding a motorbike with smooth-shifting gears gives you a sense of pleasure that no other thing can. The feeling of downshifting into a curve, soaring your RPMs, then switching back into high and rushing down the straightaway is unmatched.

But when the quality of your clutch starts deteriorating, it no longer grips as usual or allows you to smooth down and upshift. If you take too much time to assess a bad clutch, it might leave you stranded during a ride. While the rest of the crew enjoy the journey, you will have to spend extra time repairing or replacing it.

However, knowing the signs of a damaged clutch will help you repair the appropriate pieces before you're left stranded.

In today's post, we'll discuss ways to assess if your clutch is on its way to being damaged. Read along to know how you can avoid costly repairs before it's too late.

1. Slipping of clutch:
The clutch slipping indicates that it has already begun to wear down. You may sense a lag or a slight jerk when your bike starts picking up. The RPM starts to increase faster than it should. If any of these occur, your bike's clutch is worn out, and it's time to get it repaired.

2. Sticking of clutch:
Your bike's clutch will start to stick if there is a malfunction or oil-induced dirt in the springs. It can either stick in or out depending on when the event occurs. The clutch parts will cling together as you change gears resulting in a low-power transmission. A sticky clutch might be mistaken for a general bike problem, so be extra cautious and get it diagnosed.

3. Hard to shift gears:
If your clutch wire is loose or the clutch gap is compressed, the bike will not accelerate because you won't be able to shift gears. When parking your bike, it's best to keep it in neutral, although some people leave it in first gear. So if you ever experience a slack in shifting gears, visit the mechanic.

Tip: To minimise clutch dislocation and overheating, always start your bike in neutral. Overheating the metal components causes them to expand, lowering the spacing distance. However, the clutch relies on friction to transfer power, so oil the parts regularly to avoid overheating.

4. Sharp metallic noise:
If you've recently noticed a strange sound emanating from your bike and it becomes louder as the days pass, it might be your clutch asking for attention.

5. Burning smell:
A burning odour may signal a clutch problem, which you should not neglect. If a mechanical noise accompanies the smell, you should have the clutch pad checked out as soon as possible to avoid any more damage.

These are some ways you can detect a problem with your clutch system. Make sure you always park your bike on neutral. Oil the clutch system periodically, but don't put too much oil. Never use the clutch as the braking alternative unless it's very needful, like in case of brake failures.

While you ensure your clutch pad, insure your bike as well, it will help you in case of mechanic visits for your clutch repairs and avoid additional expenses. Purchase bike insurance online and add value to your two-wheeler with the benefits of comprehensive coverage.

Click HERE to get the best bike insurance online right now.

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.

Manufacturing date, location, vehicle model, claims history with add-ons, and optional deductibles are a few variables that could impact your bike insurance. However, some other aspects could also influence the cost of insurance.

An essential factor in calculating the insurance premium is the two-wheeler's cubic capacity (cc), also known as its engine capacity. Continue reading to learn how your bike's cubic capacity affects its insurance cost.

What is the cubic capacity of a bike?

The capacity of your bike's engine is measured by its cc i.e., cubic capacity. A bike's engine size is essential since it affects how much power it can produce. A two-wheeler is thought to be stronger if its chamber is larger. Similar to how a four-wheeler vehicle's engine capacity is expressed in litres, a bike's capacity is understood similarly.

Bikes with higher cubic capacity come equipped with large cylinders that can produce extensive power output from the engine. This results in low fuel efficiency as more consumption is observed to drive more engine power output per stroke.

Bikes with higher cubic capacities are expensive. This is because intense mechanical fitness and build are required for the bike to withstand tremendous torque and power. Higher cc bikes have premium quality brake pads, comfortable suspension, and excellent exhaust that can easily overcome the wear and tear that might result from high-speed riding.

What effect does your bike's cubic capacity have on policy premiums?

Your bike's engine power is critical in the premium fixing process. The engine's cubic capacity affects the cost of your motorcycle insurance. A 75 cc bike would be less expensive to insure than a 220 cc bike. Take proper care of your bike's engine to guarantee that it operates smoothly.

Higher cc bikes would cost more to insure because your insurance rate directly correlates to your engine's cubic capacity (cc). When determining the third-party insurance rate, the IRDAI primarily considers the cc of your bike.

A bike's cc majorly determines the on-road cost of the bike. Low-cc bikes are less expensive than high-cc ones. The insurance premium for expensive bikes is more, considering their superior build quality and use of costly parts.

Other elements that affect the insurance premium for bikes with the higher cubic capacity.

Here are the various factors that influence the premium of the higher cubic capacity bikes:

● Geographic location: Compared to Tier II cities or rural areas, the premium is more significant if you stay in a metropolitan metropolis. Compared to non-metro regions, urban areas have a higher risk factor.

● Year of production: The age of the vehicle directly affects the insured amount. The insurance sum will decrease as time goes on since the bike loses value.

● Make and model of the bike: Premiums for high-end/premium bikes are higher; premiums for entry-level bikes are lower.

● Add-ons: In return for a more premium for bikes with higher cubic capacity, add-ons safeguard you against situations that aren't covered by the basic program.

● Installation of security measures: Lowering the danger of theft and the likelihood of damage by installing anti-theft devices or other security measures reduces the insurance price. By installing security devices, you can get a reduction in insurance premiums for bikes with higher cubic capacity.

Every bike driven on the road must be covered by third-party insurance. Therefore, in addition to looking at the bike's qualities before buying one, you should also consider getting bike insurance. Shop around to buy motor insurance online that best suits your needs and expectations. You can reduce the cost of two-wheeler insurance while maintaining adequate coverage if you heed the above suggestions.

Click HERE to buy motor 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.

The ever-increasing number of vehicles on Indian roads is constantly posing a risk to the safety of drivers, riders, and pedestrians. While purchasing the best two wheeler insurance in India is a mandatory requirement, several advanced technologies have also evolved to make motorcycle rides safer. These technologies are helping to reduce the number of accidents and enhancing road safety.

Let us have a look at them in detail.

1. Anti-lock braking system:
An anti-lock braking system or ABS is a technology that prevents a motorcycle’s wheels from locking when sudden brakes are applied. Hurried braking is usually used when an object or a vehicle appears suddenly in front of the bike. This may cause our motorcycle to skid and cause serious bodily injuries and even damage to the bike.
ABS makes use of speed sensors that are fitted on both wheels. It senses that a wheel lockup is about to occur and instantly reduces brake pressure. This prevents the motorcycle from skidding, preventing an accident.

2. Wearable airbags:
We have always known that cars come equipped with airbags that open up instantly at the time of a car crash. They minimise the impact of accidents and help to save lives. Most of us do not know that wearable airbags for bikes are now being made with the help of modern technology that performs a similar function as cars’ airbags at the time of a crash. Wearable airbags are put into a vest and can be worn with a compatible jacket. The airbag inflates during a collision and then deflates automatically. It cushions the rider and the pillion rider, minimising the crash's impact. These airbags can be a lifesaver and protect the upper half of the body. Also, these airbags are universal in nature and can be used with any motorcycle make and model.

3. Motorcycle alert systems:
Modern technology has enabled the incorporation of radar sensors that can scan our surroundings and identify potential dangers, even in motorcycles. These sensors can help us map the vehicles around us and alert us of any possible collision. They can also warn us of approaching vehicles or if a vehicle gets too close to us.
Motorcycles nowadays also come with sensors that alert us if our kickstand or side stand is open by flashing a light on the display panel. This helps avert a possible crash due to the open kickstand while riding.

4. Advanced lighting:
Motorcycles now have advanced LED lighting systems that produce optimal beams for enhanced street visibility. This minimises the chances of an accident due to poor visibility on the streets at night or during heavy fog conditions. Also, motorcycles have hi-technology illumination systems that enhance their visibility in poor light conditions.

5. Modern helmets:
Helmets are being made with advanced technology, making them lighter and sturdier. Modern-day helmets make our rides safer and protect our heads better than older models of helmets at the time of a crash.
Helmets nowadays also come equipped with hi-tech Bluetooth headsets and good-quality cameras. They help bikers stay connected during a ride, especially in difficult and risky terrains. The cameras are capable of capturing minute details during a ride. Riders can go through the recordings after finishing their ride and make a note of the possible improvements.

Modern technology is a blessing in reducing the number of road accidents. These innovations might cost us money, but they are worth every penny spent on them as they reward us with a safe journey. Two wheeler insurance also makes our motorcycle rides safer by protecting us financially in case of a crash. Choose the best two wheeler insurance in India to ensure complete motorcycle coverage and hassle-free claim settlement in times of need.

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

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

As two-wheelers turn old, their performance and the quality of their internal parts start to deteriorate. Significantly, the engine gets severely affected, which leads to more fuel consumption and harmful emissions. Such two-wheelers are then considered not fit to ride.

If you own an old two-wheeler and wish to ride it on Indian roads legally, then you need to have a fitness certificate for it. The Government of India has made the renewal of fitness certificates convenient by introducing the 'Parivahan Sewa portal' that operates entirely online.

Applying online is a hassle-free process as you only need to fill out a form and submit all the required documents to your local Regional Transport Office (RTO) for verification.

In today's post, we will take you through the step-by-step process of renewing your two-wheeler's fitness certificate online:

1. Go to the official VAHAN website. Begin the renewal process by going to 'Online Services' and selecting 'Vehicle Related Services.'

2. After that, choose your state. Next, click on 'Application for Fitness Certificate' and enter your bike's registration number and chassis number.

3. Following that, generate an OTP using your registered phone number. Enter the one-time password (OTP) that you received on your phone to proceed with the process.

4. Go to the 'Payment' option and complete the transaction to start the renewal fee transfer.

5. After completing these procedures, take the appropriate documentation to your local RTO to complete the two-wheeler fitness renewal process. Officials at the RTO will perform a fitness test on your bike and verify your documents to complete the process.

Steps to renew fitness certificate of two-wheeler offline.

Here is how you can acquire a fitness certificate for your bike offline:

1. Visit the local RTO

2. Fill out an application for a fitness certificate renewal

3. After that, attach the required documents to the application

4. To finish the procedure, pay the RTO the renewal fee for your bike fitness certificate

The officers will review your submitted documents and schedule an appointment for your bike's inspection. You must arrive at the designated centre on time. Here, your two-wheeler will be thoroughly investigated, and if it qualifies the desired parameters, you will be issued the fitness certificate for your bike.

Note: Although the renewal process is the same for both two and four-wheelers, the fee differs for both types of vehicles.

Complete list of documents you will require:

• Tax token

• Registration certificate

• Vehicle permit

• Pollution Under Control Certificate or PUCC

• Valid two-wheeler insurance policy papers

• Passport size photo

According to the Motor Vehicles Act of 1989, a vehicle's registration is only acceptable if a valid Vehicle Fitness Certificate accompanies it. Commercial and private automobiles are required by law to have a fitness certificate. Failing to submit a fitness certificate carries a punishment of Rs. 100. For consecutive violations, the fine is increased to Rs. 300. If you don't have a valid fitness certificate, you'll be fined between Rs. 2,000 to 5,000.

The law also mandates two wheeler insurance India. Failing to have both these documents can lead to hefty fines. Save yourself from the trouble and get the fitness certificate and insurance today. You can only enjoy riding your two-wheeler if you keep the required documents up-to-date and avoid landing yourself in any unwanted trouble.

Click HERE to buy the best 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.

While electric vehicles are capturing the vehicle market, petrol and diesel-based cars still need to be put in trend. Maximum Indian citizens today own fuel-based vehicles, be it two-wheeler or a four-wheeler. But these fuel-based cars also have a history of superseding one another. Petrol cars have always been the favoured alternative amongst fuel-based vehicles.

Initially, diesel usage focused on heavy vehicles operated for commercial purposes like duty trucks, etc. But with the advancement of technology today, diesel vehicles have become widely popular and opted for daily use vehicles like passenger cars.

But do you know that your motor insurance premium changes for the type of car you use? Fuel may be the reason. Want to know how? Without any further delay, let’s get started.

1. How much is your car’s price:
Diesel-powered and petrol-powered cars are priced differently in the Indian market. Usually, the price of vehicles that have diesel-powered engines is high when compared to their petrol-powered counterparts. A higher price directly reflects on the motor insurance and premium prices.
Therefore, the more expensive a car you have, the higher the motor insurance premium you have to pay. So, figure out the maintenance and premium charges you will have to pay in the future and create a budget in advance so that you do not get surprises of additional premiums like motor insurance.

2. Repair influences the premium charges:
Yes! Even the cost of repair influences the motor insurance premium prices. The repair charges for diesel-based vehicles are much higher than those for petrol-based cars. Therefore, the company charges high premiums for your motor insurance to help cover the claims if you make any in the future. Similarly, if your car has expensive spare parts or is priced in the high-end range, the companies will charge you high motor insurance premiums.
This proves that fuel has a massive impact on premium charges. Having this information before you make any purchase will help you put things into perspective, especially budget-wise. Many factors should be considered when someone decides to purchase a car, one of which is the motor insurance, its premium charges, claims, add-ons, and other features which vary from one insurance provider to another.

3. Is your car fuel efficient:
Fuel efficiency is another influencing factor that determines higher motor insurance premiums. While petrol-powered cars have great starting and ignition power, diesel-based cars are beneficial for vehicles purchased to last longer.

4. Let’s have a look at the engine:
The engine capacity of your petrol-powered car is lesser than that of diesel-based cars, thus raising the motor insurance premium prices for diesel-powered vehicles. The better the engine capacity, the higher the premium. Who knew that fuel could be such a powerful influencing factor in the premium prices of motor insurance?

5. Cannot miss IDV (Insurance Declared Value):
If the market value estimation is high, the IDV will be increased, directly impacting the premium. Usually, the IDV of diesel-based cars is high, which leads to a rise in premium prices.

We hope this blog gives you a crisp and clear idea about your motor insurance premium charges. This will help you arrive at a decision or educate you about motor insurance and what factors impact the premiums which will come out of your pocket. And there is no doubt about how crucial it is to purchase motor insurance to protect your car and yourself against the financial burden.

Click HERE to learn more about motor insurance.

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

When it comes to motorcycles, many accessories can enhance your riding experience. Whether a seasoned rider or a beginner, carrying certain accessories can significantly improve your comfort and safety. When you have the proper accessories, riding a motorbike is an exhilarating, even more, pleasurable experience.

This blog will discuss the one-stop guide for motorcycle accessories you must always carry. Without any further delay, let's get started. The following list of some essential motorbike accessories should be on your must-have accessories list.

1. Reduce the minor vibrations through hand grips:
Hand grips seem like a small addition, but they can significantly enhance your riding experience. Do you know how annoying vibrations on your handlebars are; maybe you've ever felt them. A nice set of hand grips can lessen vibrations and improve the smoothness of your riding.

2. Protect your motorcycle using disc brakes:
You worry about someone taking your motorcycle when you leave it parked in an isolated location. A disc brake lock can add a level of security for you. Although some might counter that disc brake locks can be broken, having an extra layer of protection helps prevent burglars. A disc brake lock that beeps if someone tries to tamper with it can also be a good option.

3. Use your phone conveniently with a phone holder with a charger:
A motorcycle phone holder is essential for riders who want to use GPS properly while riding. A sturdy phone holder with a charger helps you to navigate your route without taking your hands off the handlebars. You may use this holder to mount your phone and access GPS.

4. Safeguard your shoe for the convenient operation of your motorcycle by using a proper gear shift pad: The lack of proper rubber padding on gear change levers might cause long-term damage to your shoes. Your shoes will be protected and last longer if you use a rubber gear shift pad. Choose a shift sock that you may place on the gear lever if you do not want to wear the shoe pad.

5. Pack your things in a motorcycle tank bag:
Carrying small items while riding is inconvenient, but a tank bag can help. It would be best to consider using the Tank Bag to transport your goods. It features a clear map pocket where you can keep your phone. The material is sturdy and durable and comes at pocket-friendly prices, so you don't burn through your savings.

6. Purchase cleaner and chain lube for lubrication:
For the chain sprockets on your motorcycle to last a long time, your chain must be kept clean and lubricated. In India, most mechanics lubricate the chain using motor oil that has been burned, which might harm your chain. Buy a better chain lube set, including a handy cleaning brush that simplifies cleaning.

7. Riding comfort with an air suspension seat:
When you ride a long distance on bad roads, you may experience back pain and discomfort. You can avoid the unpleasantness of terrible roads by using an air-suspension seat. This seat can be utilised when your passenger is an older adult, a pregnant woman, or someone with back issues.

You can carry these few accessories to make your ride smooth and enjoyable. Now, let's talk about safety! You need to purchase motor insurance to protect your vehicle against heavy and unprecedented damage and save yourself against the monetary stress of getting your motorcycle repaired. Once you explore the options and get the best motor insurance to cater to your needs optimally, you must also remember to renew bike insurance online at equal intervals to keep availing of the benefits.

Click HERE to learn more about how you can renew 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.

As a bike owner, you know that your vehicle requires routine maintenance, tyre replacements and bike insurance renewal. But how often do you consider your vehicle's suspension? Your suspension system works hard to make your ride comfortable by smoothing out bumps in the road and keeping the wheels on the ground. Bike owners often overlook that part when it comes to repairs. But how can you know if there's a problem with your bike's suspension?

Here are some of the most common signs of suspension issues. Keep in mind that these are extreme instances, and your suspension system may be subtler. It all depends on the bike's handling.

1. Unreasonable bumpiness:
The primary function of suspension is to facilitate a smooth and comfortable ride, even on bumpy roads. If you start to feel every bump in the road, it's a clear sign that your shock absorbers are failing and should be replaced. Conducting a bounce test can help you check the efficiency of the absorbers. Do this by placing your entire weight on the back of your motorcycle. Release the vehicle and count how many times it bounces. If it bounces more than three times, there is an issue with your suspension.

2. Thud or rattle from suspension:
In most cases, your shock absorbers should be almost noiseless when in use. It's a concern if it starts making more noise than usual. The seal separating the damping oil from the pressurised nitrogen charge may be broken, resulting in a noise during compression and rebound. A knocking noise is even more concerning since it indicates that something inside the shock collides with something it shouldn't. If you continue to ride it, the damage will be consequential - and costly to repair.

3. Oil leak:
Oil coming from the air seals or adjusters is the first sign of an oil leak, but it usually leads to a lack of damping soon after. As the oil accumulates dirt, it may create a horrible black sludge accumulating around the end of the shock shaft. If you notice this, it's only a matter of time before your shock is damaged.

4. Lack of damping:
Even the most mechanically uncaring riders should be aware of this, but that isn't often the case. You might find it difficult to control your bike while riding. Check if the rebound and compression damping settings are still working correctly. If they don't seem to be making a difference, it's time to get it checked out.

These are some of the most prevalent suspension issues. Regularly check your suspension system, do some maintenance or replace parts if required. Neglecting your bike's suspension problems can adversely affect its performance and functioning. It can also impact the rider's physical wellbeing due to jerks that gradually result in back pain and other health issues.

Besides regular maintenance, bike insurance is both a legal requirement and a wise investment. It protects you from losses that may occur due to an accident or theft, and it can even cover the expenses involved in your bike's repair and servicing.

Click HERE to buy the best bike insurance that fits your needs.

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

With the world going digital, smartphones have become an important part of our daily lives. Being stuck at home during the pandemic, smartphones became the only salvation from boredom. And children, too, are getting addicted to digital gadgets as we progress in time. Keeping your child away from smartphones is tricky with schools and colleges conducting online classes.

With new-age technologies emerging so quickly and taking over the world, children are very intrigued with how things function. And with all the information available online, it would be one-sided to keep your child away from smartphones and other gadgets and devoid them of all the opportunities.

This blog will discuss the right time to give your child a smartphone. Let’s look at the factors you should consider as a concerned parent or a guardian.

1. Responsibility:
Are your kids responsible enough to handle an expensive device with care? They might bring up a lot of reasons, but as responsible parents, you must ensure that you set up a boundary for the conscious use of these devices to shield them from the risks of the internet.

2. Maturity:
You need to assess the maturity level of your kids before you give them a smartphone. The mind of a child is fickle and very easy to influence. Determine and validate their reasons. Dig a little deeper and have an open conversation about why they want a smartphone. Be their friend in the process.

3. Limitations:
Nobody knows your child better than you do. So ask yourself, can they adhere to limits and rules? Because while a smartphone can serve plenty of good purposes, it can also cause massive amounts of distractions, which can have adverse effects on their academics, physical and mental health, social interactions, etc.

4. Safety:
Online safety is a huge concern these days. Even more so with children since they do not understand the consequences of the invasion of privacy and data exploitation. Your child needs to understand the importance of online safety and how they should communicate with you in case of fraudulent transactions or hints of illegal activities.

5. Carelessness:
Social media is addictive. And once you realise how easy it is to stay in touch with the people you know or get in touch with new people, it becomes challenging to keep off the phone. Adults struggle with this addiction, so it’s somewhat obvious for children to get addicted to it as well. Many children tend to text while driving or in public places, posing a huge risk of accidents.

6. Value money:
Your child should understand the expenses that come with a smartphone and, therefore, use it cautiously. Kids need to be mindful of their internet consumption and use it according to their needs appropriately.

Now that you know when the right time to give your child a smartphone is, you need to think about your kids’ safety and how you can safeguard their wellbeing during emergencies. Stay stress-free by purchasing personal accident insurance online, which caters to your children’s needs in the best way possible. The younger generation is susceptible to accidents due to carelessness and distractions. Personal accident insurance online will ensure your child’s safety with guaranteed benefits and a reasonable premium.

Click HERE to know more about how you can buy 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.

Insurance is an effective mechanism that protects the insured from the financial loss incurred due to damage to an asset. The prudent instrument protects high-value assets like vehicles, in the absence of which the victim has to shell out large sums of money to compensate for the damages to own property and third-party damages.

Despite the safety provided by online car insurance and its allied merits, sometimes the insurer does not approve a complete settlement, leading to being partially compensated. With proper knowledge regarding the procedure, related proofs, and some tips to remember while making claims, it is possible to receive a complete car insurance settlement.

Reasons for partial settlement:
Comprehensive car insurance is the easiest way to ensure that the insured is covered for maximum damages and receives the entire claim amount. If you haven't purchased comprehensive car insurance, you may encounter only a partial settlement for the following cases.

1. Depreciation:
Loss of value of a car due to wear and tear and usage is an inevitable factor that is considered while paying out claims. Damages to parts, including fibre and glass parts, tubes, tyres, etc., are only settled after considering their depreciated value according to the fixed depreciation rates and the age of the vehicle. A zero depreciation cover can help supersede this clause, but several conditions must be considered to avail of its benefit.

2. Partial car insurance coverage:
A partial cover protects the insured from the financial burden of third-party damages and has fewer inclusions while being less expensive than the latter. The policy restricts customisations and is ideal for infrequently used or old vehicles. The policy excludes NCB and its own damages, limiting its scope and increasing the financial burden on the insured.

3. Policyholder negligence:
Negligence while driving is a major cause of accidents. Suppose your insurer suspects that the driver was under the influence, negligent of general driving safety norms, or holding an invalid driver's licence at the time of the accident. In that case, your claim may be rejected or partially settled, depending on the severity of the issue and the claim amount.

4. Lack of proof:
It is essential to submit valid proof of the accident while filing a claim. With inadequate evidence, the insurer may not process the whole claim amount. Pictures of the accident site, eyewitness testimonies, and immediate filing of an FIR are some of the required proofs asked for by the insurer.

5. The car is used for business purposes:
If the insurer discovers that your personal car was used for business or commercial purposes at the time of the accident, you might not get a 100% claim or even a denial of the claim by the insurer.

Tips to speed up the claim settlement process:
While there is no fixed way to guarantee complete settlement, by following the below stated steps, you can ensure the fulfilment of your responsibilities to ensure that you receive the highest amount of claim possible.

1. Initiate the settlement process immediately:
Starting the process immediately after the accident is vital to ensure a quick settlement. It is ideal for raising the claim within seven days of the accident.

2. Keep all the relevant paperwork ready:
Each payment processed to rectify the effects of the accident, including maintenance of the car or replacement of parts, medical bills, the FIR copy, etc., should be maintained and provided to the insurer as proof.

3. Negotiate your demands:
Before reaching the final settlement, which you must ensure is in writing from the insurer, recheck if the amount is justified. Do not refrain from negotiating the sum with adequate reasoning. Consider seeking the help of a legal professional to make the process faster and ensure that your demands are satisfied.

When purchasing conventional or online car insurance, it is critical to read the fine print to ensure awareness regarding all the inclusions so that you can raise proper claims appropriately to settle at the earliest.

Click HERE to buy online car insurance.

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

In India, as in the rest of the world, countless single people and couples want to start a family. However, not everyone has the same level of luck, and natural conception may not be an option for certain men, women, or couples. Thus, surrogacy is viewed as an excellent option for resolving this issue.

However, there are several potential problems when deciding to go through with surrogacy. To safeguard intended parents' rights and surrogate moms, the Indian government has enacted new surrogacy legislation, which indirectly impacts online health insurance companies. Keep reading to find out what the law in India says regarding surrogacy.

The Surrogacy Regulation Act in India.

Surrogacy is a burning issue in many parts of the world, considering their complex surrogacy laws. Before commercial surrogacy was banned in 2015 in India, surrogates in India used to suffer victimisation due to the lack of protection by law. It means they had limited support from the law or any other form of government to protect themselves. Plus, they were to follow either the Supreme Court's lead or the advice of the Indian Council of Medical Research.

However, The Surrogacy Regulation Act came into force on January 25, 2022, ensuring fertility services' safe and ethical practices.

Who can get surrogacy?

A surrogate mother must be in good health and between the ages of 25 and 35. She must have been married at least once and raised a child alone. She must also be a close relative of the intended parents. A woman can only serve as a surrogate once in her lifetime under the new Indian surrogacy rules, down from a maximum of three times under the old law.

Regulatory framework for surrogacy in India.

There are two sorts of surrogacy: traditional surrogacy and gestational or host surrogacy. Artificial insemination with the father's sperm is the traditional method. It establishes the surrogate as the child's actual mother.

An embryo created via in vitro fertilisation is implanted into a surrogate mother in gestational surrogacy. It is widely held that gestational surrogacy is simpler than traditional surrogacy, which has led to increased cases involving gestational surrogacy.

Following is a summary of the recent legislation regarding surrogacy regulation, effective as of January 25, 2022.

1. Commercial surrogacy banned:
Commissioning parents in the legally permitted altruistic surrogacy arrangement are responsible for covering the surrogate's medical expenses and providing health insurance coverage. Initially, only commercial surrogacy was legal in India. Earlier, commercial surrogacy compensated the surrogate mother for her services.

2. Health insurance proof becomes mandatory:
Couples who choose surrogacy to have a child must pay for the surrogate mother's health insurance for three years. The IRDA must approve the insurer following the Insurance Regulatory and Development Authority Act requirements. The sum insured must be sufficient to cover all costs incurred by the surrogate because of difficulties emerging during and after the pregnancy.

3. Additional protection for the surrogate mother:
The surrogate mother can end the pregnancy at any time during the surrogacy arrangement. The permission form format to be obtained from the surrogate has also been changed.
The couple must file an affidavit guaranteeing payment of expenses of the surrogate mother, including medical care in the event of illness or the surrogate mother's death and compensation for other losses.

The new surrogacy rules in India are intended to protect the rights of surrogate mothers by guaranteeing them access to online health insurance companies and policies if any difficulties arise during the pregnancy. While this is a positive development, India still has a way to go before we adequately safeguard the rights of surrogate mothers.

Click HERE to buy health insurance if planning for surrogacy.

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.

Health insurance policies are a useful tool to tide over any medical contingencies. It is essential for people of all ages, especially senior citizens, to purchase individual or family health insurance that can cover expenses incurred due to hospitalisation or any other allied medical costs. Its importance is only increasing as the medical inflation trends in India increase each year.

We know that age increases the risk of hospitalisation and medical expenses. This creates the necessity to purchase the best-suited comprehensive plan for senior citizens in the family. This article discusses the ideal period for filing a senior citizen’s claim and the time it takes to settle.

The ideal period for filing health insurance claims:

The period of filing the claim is essential in determining the time it requires for processing. Therefore, one must take all the necessary measures to facilitate a speedy claim settlement to benefit from the insurance policy.

Ideally, the insured should file their claim within two weeks for reimbursement claims. This is not a general time frame, as different policies have different time limits. However, claims filed after two weeks of hospitalisation are likely to be rejected or settled later, depending on the case.

Average health insurance claim settlement time:

As per the surveys and research done by the insurance industry, health insurance claims made by senior citizens take 28 days to settle compared to claims made by policyholders younger than 60 years, which take 23.2 days. These results have stirred up interest in the discussion to find the cause behind the delay.

The surveys also state that even the proportion of claim settlements is lower concerning specific conditions like diarrhoea, cancer, or prostate enlargement. However, it is the opposite when related to coronary heart disease. While this may seem alarming to those who have purchased health insurance in India for parents over 60 years, there are simple ways to avoid this.

1. What causes the delay in claim settlement for senior citizens?
The primary cause for the delay in claim processing is the delay in filing a claim. It is essential to ensure that the claim is filed and processed at the earliest opportunity. The findings state that senior citizens may take a while to file claims for numerous reasons, which may cause delays. To avoid late results, senior citizens must file a claim within a week or two and get assured of timely action.

2. A simple tip to ensure timely claim settlement:
It is often seen that young adults purchase health insurance in India for parents not just to protect them from bearing the burden of substantial medical bills but also to file for tax deductions.
However, to claim its primary benefit, it is essential to file claims on time. Since the elderly may require more time to do so, help from the hospital, staff, or relatives to file the claim in time will ensure that it is settled within 23.2 days instead of 28 days.

Carefully read the terms and conditions of health insurance in India for parents that specify information dedicated to senior citizens about the different inclusions and exclusions of the policy. Since medical bills and the risk of falling ill are greater at older ages, it is necessary to be fully aware of the benefits of different policies and file claims within the stipulated period. Help the senior citizens with a good life and healthy well-being!

Click HERE to buy the best health insurance in India

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