GENERAL INSURANCE BLOG

The most heard of types of two-wheeler transmission have been manual and automatic transmission. While manual transmission requires the driver to operate the gear stick and clutch to change gears, the automatic transmission does not need any driver input to change forward gears under usual driving conditions.

While automatic transmission has made driving significantly easier, there's a new type of transmission that might take over. This is CVT (Continuously Variable Transmission). A CVT is an automatic transmission where the rider doesn't need to apply the clutch pedal manually.

However, there are fundamental differences between the two. Traditional automatic transmission has a fixed number of preset gears for the driver. However, CVTs have an unlimited number of gear ratios that can accommodate the driving conditions at any given moment. It allows seamless shifts without hard shifting points, making the ride remarkably smooth.

This blog gives you an insight into this fascinating technology and why it is steadily gaining popularity.

Benefits and drawbacks of CVTs.
Benefits:

1. Improved fuel efficiency – Unlike typical automatics, the CVT can change the gear ratio forever to maintain the engine running at peak fuel efficiency. Overall, the more gears offered by an automatic transmission, the better the optimisation of engine power.

2. Smoother driving experience – The absence of harder shift points means the CVT delivers much more consistent performance on the roads. There are no sudden lags in acceleration as experienced with automatic and manual transmissions.

3. Driving uphill – Driving uphill or on steep roads is easier using a CVT. This is because, in regular transmissions, the driver would have to find the perfect gear ratio by themselves. In contrast, a CVT finds the exact ratio needed immediately, providing a smoother driving experience.

Drawbacks:

1. Heavy on the wallet – CVT systems are generally more costly than traditional counterparts. The repair and replacement costs are also more expensive. Additionally, CVT systems don't last as long as conventional systems and start failing more quickly.

2. Lack of high-performance capability and durability – A CVT is an excellent choice for an average driver, but it can't handle the higher horsepower. Hence it isn't used for performance and sports cars.

3. Noisiness – CVTs are louder and whinier than automatic transmission. Under fast acceleration, they tend to drone. This makes driving less enjoyable for the driver.

Working mechanism of CVT.

CVT systems use a pulley system to function effectively. Unlike the traditional automatic transmission, CVT uses several parts for shifting between gears.

This system depends on cones to change through the infinite gear ratios seamlessly in a CVT. These cones are attached to each pulley and the chain and can be moved around to adjust the dimensions of the belt. This allows for faultless shifting, which results in improved power output and better mileage.

A pulley connects the bike's engine and CVT and manages the direction of power. Based on the required energy, the diameter of the pulleys is adjusted.

The CVT's value lies in its simplicity. It has very few components but can work more efficiently for an average driver with increased fuel economy and steady, smooth operation. This technology can enhance the experience of a driver, but not all that glitters is gold.

The main drawback is that the repair costs might be overwhelming. Rather than fearing the expenses, take a step towards sensible investment, i.e. insurance. Consider looking for the best quotes online. Buy 2 wheeler insurance online and get amazing advantages that ensure a noteworthy return on investment during your hour of need.

Click HERE to know more about 2 wheeler insurance online.

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

All of us are aware of the daily challenges of modern lifestyles and our quest to maintain a work-life balance. One of the significant reasons why it is important is for our own joy and happiness.

There is a constant flow of information from all directions, which has caused confusion and dissonance to erupt everywhere. It's safe to say that you are not alone who permitted such a culture to arise in the first place. Our bodily and mental health suffers from the constant stress of the world in which we live. That explains the unregulated rise in lifestyle disorders like stress, anxiety, depression, diabetes, heart disease, obesity, etc. It is precisely where meditation fits in and explains why it has almost become well-known in recent years.

What makes meditation important?

The post-covid era and the work-from-home routine have contributed to massive changes in people's habits and lifestyle routines, compromising their physical and mental well-being. But fortunately, there are exercises like meditation that not only help you maintain your sanity but also help you become a stronger version of yourself.

It's not by chance that people have "rediscovered" this old practice of mindfulness. You need something, after all, to offset all the negative impacts of the stressful lives we lead!

There is a genuine need for meditation, and we shall examine why this is so.

1. Stress reduction:
There is no better way to reduce stress than meditation. It has a favourable impact on your entire nervous system and aids in your physical and mental rest.

2. Retards aging:
Yes, you did read that correctly. According to studies, daily meditation can delay the onset of old age due to its anti-aging benefits. Generally, those who regularly meditate live longer and happier than the rest.

3. Positivity and emotional steadiness:
Meditation is a potent and all-natural remedy for those who struggle with sadness and anxiety. Strengthening your immune system, lowering blood pressure, and regulating cholesterol levels are the ways that meditation can enhance your health.

4. Better rest:
If you have difficulty falling asleep at night, meditation is the answer you've been hunting for. One of the most effective natural therapies for insomnia is meditation which significantly boosts the quality of your sleep and helps you develop a routine.

5. Happiness quotient:
The people who meditate are often healthier, less anxious, sleep better, and have happier outlooks on life. It makes you energetic and keeps your mood cheerful throughout the day!

What should you know before beginning?

1. Concentration and focus:
Focusing on your practice is one of the most crucial aspects of meditation. It will assist you in disconnecting your mind from everything that might prevent you from meditating. Consider concentrating on a particular thing, such as a candle flame, an image, a mantra, or your breathing.

2. Peaceful setting:
If you're new to meditation, check that your environment is calm and pleasant. Avoid being distracted by devices like your phone, the TV, or the radio.

3. Become relaxed:
Sitting, lying down, walking, and other positions and activities are all acceptable forms of meditation. Try to relax so that you can benefit the most from your meditation. In addition, you should dress comfortably.

While discussing health, consider whether your health insurance in India is appropriate for you. The financial peace of mind that comes with a private health plan is second to none. With health insurance in India, you can get treatment in private hospitals, use emergency ambulance services without limits, and sometimes, avoid paying the levy surcharge on your tax bill.

You might be puzzled by the positive effects of something so basic as meditation. Indeed, it is. However, practising is what counts most. The only natural way to reap the rewards of meditation is to practise it.

Click HERE to buy health insurance in India and ensure your well-being.

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.

Due to their tenderness, it is very common to get your nails hurt at home, the workplace, or even while you're sleeping. Nails are highly fragile, and while you sleep, they can hit the headboard of your bed or even get stuck in a piece of furniture nearby. The event of harming your nail or the cuticles is termed nail injury.

When the injury is severe, it can result in bleeding. If not, the area of injury can turn red or show signs of inflammation. These injuries can occur when the nail is torn, cut, or bruised in any way. In a worst-case scenario, the nail is torn away completely from the skin.

During such emergencies, running to the hospital is not always possible. Hence, working on the nails at home is recommended as your immediate response to the injury. The treatment becomes easier when first aid is provided as it restricts the extent of the injury and stops further damage.

Such accidents can occur no matter where you live or how you work. It is crucial to have health insurance handy at all times. If you already have one, renew health insurance online to keep yourself safe and secure your finances from unexpected medical expenses.

Now, let us look at the immediate steps you can take at home when a nail injury occurs. First, let us find the signs and symptoms you should look for while diagnosing a nail injury.

What are the symptoms of a nail injury?

Often, we fail to notice a nail injury even when it occurs. This can worsen the situation and give rise to further complications. Thus, it is advised to look out for these signs and symptoms while diagnosing a nail injury;

● Red patch of blood or dried blood in and around the nail

● Severe pain around the nail area

● Presence of blood underneath the nail

● Presence of cuts or tears on the nail

● Clipping of nails from its roots

● Tears to the nail cuticle

If you notice these symptoms, it is high time to care for your injured nails at home and seek medical help if necessary.

What are the steps to take for treating injured nails?

The case of nail injuries is very common. It is not always possible to seek immediate medical assistance for your injury. In such a case, it is advisable to take some steps at home that can help you control your pain and treat the injured nail by yourself. These include:

1. Look for the area of injury.

2. If there is any bleeding, try to stop it by holding a clean cloth or cotton to the area of injury with ample pressure.

3. Start cleaning the wound with water and soap. You can also clean the wound with an antiseptic.

4. Dry with a towel. Apply an ointment or bandage to the wound.

5. If there is swelling, apply an ice pack or ice chips over the area to reduce the inflammation.

6. Continue icing the wound as and when necessary.

7. Take painkillers if necessary.

Additionally, go to a doctor if the pain does not subside, and the bleeding does not stop, as the injury can be severe.

As nail injuries are frequent and mostly happen due to inattentiveness, it is preferred to wear quality slippers at home, especially in the kitchen. Regularly cut your nails, keep them clean, and inspect for issues immediately if you feel any pain.

Your safety is your responsibility, and health can never be taken for granted. For added health security, remember to renew health insurance online. It will take care of all the expenses when you are rushed to the hospital for your injury or treatment of any other health condition.

Click HERE to renew health insurance online.

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

Being stranded in an unknown location with a broken-down car is probably one of the scariest things ever. Even if you are the most experienced driver, a situation like this can cause panic and anxiety. Over the years, roadside assistance has improved significantly, and highway services are prompt with their response time. One such service provided by your insurance company is the outstation emergency coverage. It never hurts to know that in case of an accident or a breakdown, your insurance provider has an option to help you.

Outstation emergency covers can vary depending on your add-ons and the overall premium. Still, in brief, this add-on offers you services such as emergency assistance in case of a breakdown or accident. Under this cover, your insurance provider is bound to help you wherever you are. If, due to severe damage, the car cannot be fixed on-site, the responsibility of taking the car to the nearest service station falls on them. In some cases, they are also liable to drop you at a safe location of your choice.

Let us look at the services that fall under the outstation emergency cover.

1. Towing facility in case the vehicle is immobile

2. Battery charging in case the battery dies out

3. Tyre change in case of flat tyres

4. Fuel refilling in case of an empty fuel tank

5. If you are locked outside the car, the company might arrange a spare emergency key

What to look out for while purchasing an outstation emergency cover?

1. If you intend on purchasing this service, your premium will cost extra.

2. The emergency should occur outside a hundred-kilometre radius of the registration location.

3. You are eligible for NCB even when you make an outstation emergency claim.

4. The cover can be purchased for up to 03 years.

5. Check the limitation on the number of outstations claims you can make.

How to avail your outstation emergency coverage?

1. Alert the insurance company:

You should notify the insurance company about the damage or accident as soon as it happens. Once they are informed, they are liable to send the support staff immediately. The company will send a surveyor to analyse the damage and prepare a report.

2. Do not withhold any details:

Your insurance provider is supposed to help you. Do not hide details of the damage or breakdown. The more information they have, the better the report. An excellent report ensures a hassle-free insurance claim. Upon investigation, your claim might not be processed if they find any ambiguity.

3. Repair and maintenance:

If your vehicle needs repair, it is best to go to the service station associated with your insurance provider. If you cannot find a network service provider, you will be asked to pay for the repair, which the insurance company will later reimburse.

As mentioned above, even the most experienced drivers can panic during such situations. Remember to turn on the parking lights and keep the car breakdown warning signs behind and ahead of the car. If you have network coverage, notify your family or friends about your location.

The above points will give you a detailed idea about the outstation emergency coverage. With this coverage in hand, you can go on long road trips and weekend getaways with your loved ones without constantly worrying about flat tyres, empty fuel tanks, or a complete breakdown. Coverage schemes like these are a boon for travel enthusiasts who enjoy road trips.

Put in your best research and browse multiple options on various sites before you buy car insurance policy online. Reading about the various insurance providers and their coverage will give you a better insight into what services are better suited for you. Also, making an online deal will offer you several advantages with just a few clicks and from the comfort of your home.

Click HERE to buy car insurance policy 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.