GENERAL INSURANCE BLOG

The craze for new things never dies out. You might ride your new bike or car more, and eventually, your old bike starts getting dust all over it. But you can't just let it sit there and slowly rust and get damaged to the point where it would be a huge pain to repair the damages, maintain and get it serviced regularly. There can be various risks and damages your old bike might go through over time.

But why is it essential to ensure that your old bike is up and running? Well, there could be multiple scenarios where old bikes may come in handy. You could land up in an emergency and might not have your new vehicle at that point. Or you could get stuck with the new car if it does not start up and you must urgently be somewhere. These situations will make you realise why it was an excellent decision to keep it up to date, maintained, damage-free, and keep up with its insurance.

This blog will discuss everything you need to know while insuring your old bike. All this information will provide context when you meet up with your insurance company officials or apply for insuring your old motorcycle online.

1. You need to be aware of the depreciation:

When your vehicle gets old, its original value depreciates over time. If it's more than a year, but under two years, the actual value depreciates by ten percent. The bike's value further declines by almost fifteen percent and more, depending on the manufacturing year.
This also varies as you compare one insurance company's list of depreciated values to the others. The primary point here is to make sure that you know what the vehicle is worth by consulting an expert or researching a bit about the current market value on your own.

2. Be mindful about renewals:

It would help if you were careful about renewal dates while purchasing third-party two-wheeler insurance for your old bike. This insurance does not grant you any grace period for your insurance renewals. Even if you realise your renewal payment is due a day later, the third-party two-wheeler insurance for your old bike will be considered null and void. But you can escape this trouble by buying comprehensive two wheeler insurance online India for your old bike. This type of insurance grants you a grace period of thirty days. The renewal of your insurance policy can only be completed after a thorough inspection of your old bike that is to be insured. To ensure you avail of all the benefits of the policy, please renew it timely.

3. What happens to the premium:

Since your old bike's market value has depreciated, you do not have to worry about sky-high premiums. Your premium rates would be determined according to the value of your bike. But this does have a side effect. You will be subject to lower IDV-Insured Declared Value which derives the assured amount you will get from the insurance based on the asset (in this case-the bike) in case of loss or theft. The compensation would be pretty low since your premiums and the value of your bike is already depreciated.

Other factors you need to include are the add-on benefits, the engine capacity, and the best premiums without diminishing the features of your policy cover.

Be it an old bike or new; you need to get two wheeler insurance to protect your motorcycle against mishaps. You can explore all your options and purchase the best two wheeler insurance online in India to serve your needs. Insurance firms are adapting to technological advancements and moving towards the online revolution. You may also reduce the physical and mental stress of buying insurance the traditional way by purchasing two wheeler insurance online India.

Click HERE to know more about purchasing the best two wheeler insurance online India.

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

REM cycle (Rapid eye movement cycle), melatonin, biological clock, etc.- these are the terms we have all heard when decoding the type of our sleeping schedules and whether or not it is the right choice for our mind, body, and overall health in the long run. Most of us tend to work or study late during the night and thus develop the tendencies of what one may call “being a night owl.” And we are sure that most parents, especially in India, do not favour such schedules, which might cause havoc on your health. But have you wondered how such lifestyles affect different aspects of our day and what effects they might have in the future?

Being in the prime of your life, you have the potential to bear the worst of the consequences. But have you ever researched more about how the sleeping schedules that you have currently or had in the past affected your current habits? Does being a night owl wreak havoc on your health? Are early risers the golden people of our age?

This blog tends to bring different influencing factors which will help you settle the debate to understand which sleep style is healthier and more productive. Let’s get started!

1. Let’s understand the WHY:
It is essential to understand why you are an early riser or a night owl to decide which sleep schedule fits your needs. Your circadian rhythm, usually known as an individual’s biological clock, tends to vary from person to person. If your circadian rhythm is on the longer end, you are a night owl, and if it’s on the shorter end, you are an early riser.
Now, you must know that your circadian rhythm can change throughout your life- which is how you can change your lifestyle by enforcing certain habits to make the switch.
Hormonal changes during the adolescent years when puberty hits are one of the leading causes of the variation in patterns of sleep in teenagers – their shift from early risers to night owls can be explained.
While research has proved that night owls are more depressed and run on caffeine which eventually does more harm than good, other studies have demonstrated night owls to be more focused as the day progresses compared to the observations made about the early risers.

2. Sleep patterns:
It is seen that the early risers sleep better since they have defined sleep patterns, have regular periods of sleep, and tend to be flexible, happier, and healthier individuals as compared to the night owls, who seem a little groggy due to undefined sleep schedules. The circadian rhythms of night owls are very different from the usual body clock, which becomes more active during the later part of the day (usually at night).

3. Productivity:
Studies have proved that early risers display higher productivity and lower levels of depression compared to night owls. The people who wake up early are more successful in their personal and professional lives than those who are identified as night owls.
Night owls have shown a more increased risk of being susceptible to physical and mental health issues due to disrupted sleep schedules. They might suffer from weight and blood pressure problems, poor diet choices, and get addicted to caffeine and alcohol.

You can shift to the choice which seems likely to be helpful for you in the long run, especially considering your health since we all know that “health is wealth.” Given the factors discussed above, early risers seem to have a considerable advantage in all aspects of their lives. And it’s never too late to make the switch!

We hope you choose the best healthy alternative, become more energized, and improve your overall well-being. But at times, you might end up in unforeseeable situations that endanger your health despite all the healthy choices you might have made. In such cases, you must get health insurance to help you cover the costs and focus on your or your family member’s recovery. You can browse through the available options and choose the health insurance which caters to your needs in the best way.

Click HERE to learn more about how you can purchase health insurance and the benefits it entails.

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.

You already know how important it is to drink water, but here's an interesting question: Does it make a difference when you drink water after waking up? You might have heard that drinking enough water each day is the best way to keep hydrated.

But should you start your healthy morning routine with a glass of water? The answer isn't as simple as a yes. Therefore, we have listed some resourceful information in this article to learn more about morning hydration, its most significant health benefits, and why it is important.

If you want to start drinking water in the morning, here are some health benefits you can expect.

1. It makes you feel better after a night without water:
Since you can't replenish your fluids while you sleep, you'll feel parched when you finally open your eyes. You'll likely be thirsty when your alarm goes off, and starting your day with a glass of water is a good idea to refuel your body with energy. Drinking water replaces the fluids you lose during the night.

2. It makes you feel more energetic:
A glass of water first thing in the morning is a great way to kickstart your day with renewed enthusiasm. The normal process of sleeping causes dehydration because even while you sleep, your body is active and performing vital functions. Resume the rehydration process by drinking at least one glass of water and ensure your tissues and organs get the fluids they need.

3. It makes your mind work better:
In the same way, it can help you stay sharp and productive throughout the day. The effects of dehydration on short-term memory and concentration can be seen even in mild cases. Stay on top of your game by chugging that glass of water.

4. It gets your metabolism going:
Drinking water can get your metabolism going at any time of the day. In particular, cold water turns on a process in your body called cold-activated thermogenesis. This means that your body heats up by increasing your metabolism up to 30% for about an hour. Drinking water after waking up helps your vital organs, muscles, and tissues get their morning nourishment to regulate all bodily functions smoothly

5. It makes digestion easier:
You can keep digestion problems at bay just by drinking water. For instance, keeping yourself hydrated can help with constipation, which is a common side effect of being dehydrated. Warm water, in particular, might break down the food you've eaten faster, making your gut healthy. If you tend to get constipated, drinking water when you wake up can help you rehydrate and get things moving to make you feel better.

6. It stops the urge to eat:
Sipping water first thing in the morning on an empty stomach can help if you don't like big breakfasts, don't have time to eat, or are still hungry for junk food after breakfast. A study found that drinking water throughout the morning can make you feel less hungry. It could stop your stomach from growling until you can eat (but if you're hungry, eat!).

We've learned the health benefits of drinking water after waking up. But there are more ways to ensure good health, and one such way is buying reliable health insurance for you and your loved ones.

Buy health insurance online to protect yourself during a medical emergency so you can get the best care without any worries about finances and the hassle of any intermediaries. It also gives you benefits like preventive checkups, diagnosis, and treatment for illnesses when they are still mild. Most importantly, investing in affordable health insurance plans gives you peace of mind and puts less financial burden in an emergency.

You may find it difficult to build a routine at once. It is best to cultivate this habit by taking small steps and gradually developing a habit of drinking water after waking up.

Click HERE to buy 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.

From running errands to attending college to organising business meetings, life has become an endless circle of activities. A monotonous life makes people lazy in their approach to a healthier lifestyle. They do not put in any effort towards building and maintaining physical and mental well-being anymore. This is primarily due to a lack of quality time and stability in their lives.

Inconsistent eating patterns, irregular sleep cycles, and lack of exercise have given rise to many chronic diseases and health conditions at a very early stage of life. Lifestyle diseases like diabetes, PCOS, thyroid, high blood pressure, and cardiovascular diseases are increasing more than ever, especially in the youth. Knowing the adversities, it is high time you start taking proper care of your health to avoid complications later.

One familiar malpractice people are associated with is sleeping immediately after eating. This practice has short-term and long-term effects and can be injurious to your health. If you are unaware of it, this article might help you. Regardless, you should always have an insurance policy to cover your health. If you already have one, make sure you get the health insurance policy renewal regularly to avoid your policy from lapsing and losing benefits.

How long do you have to wait after a meal?

This is a common question among people unaware of the ill effects of sleeping right after consuming a meal. Medically speaking, waiting at least 2-3 hours after eating is recommended before you hit the bed.

If you sleep immediately after eating, your digestive system may be dysfunctional and put you in a confused state. You might feel uneasy and bloated, making it difficult to fall asleep peacefully.

What are the effects on the body when you sleep after eating?

You should take into account many things when you have the last meal of the day. Your last meal is essential as it determines your body's overall balance. It is also a determinant in helping you fall asleep faster.

The effects that you should know about consuming a meal right before sleeping are as follows:

● If you hit the bed right after consuming a heavy meal, you will experience many digestive problems.

● Lying down on the bed leads to slow digestion and reduced metabolism.

● When you sleep, your digestive juices are not released as your body goes into rest mode. It is no longer active.

● You will experience symptoms of heartburn, nausea, and indigestion, among others.

● It may cause discomfort in your body, and you will likely wake up at night. It will disrupt your sleep cycle and cause fatigue in the morning.

It is essential to start focusing on your health as early as possible. This will give you an upper hand in staying away from various diseases. You will start living a life that is healthier and better. The journey of a healthy lifestyle begins with a balanced diet, ample sleep, and regular physical exercises.

It would help to have health insurance handy for all your health needs. Keep a check on your existing policy and schedule your health insurance policy renewal in advance to avoid complications later.

Click HERE for health insurance policy 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.

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.

With technological advancement moving at an incredible pace, it becomes challenging to see the downside of such progress. All this growth and expansion in every industry has made it difficult for consumers to keep track of legitimate companies with genuine offers, deals, memberships, discounts, and much more.

And with the spread of misinformation across multiple social media channels and a lack of helpful and authentic information, it has become easier for scammers to cheat innocent consumers by misusing their identities and personal information.

Have these scammers spared the insurance sector? Unfortunately, not. These scams are framed so perfectly that it becomes tough for the customer to identify whether the call, message, or email is warrantable and authorised. While the insurance industry is tightening its security measures to avoid all kinds of data breaches and ensure that the consumer's privacy is not invaded, there are a few ways in which you, as a customer, can protect your personal information.

This blog will discuss the safe practices that customers must follow to prevent falling prey to frauds. So, without ado, let's get started.

1. Proper policy authentication is a must:

There are three steps involved in determining the legitimacy of a policy.

● Step 1: The first step consists in scanning the QR code printed on the policy copy provided to you.

● Step 2: This step entails contacting the call centre using the designated toll-free number.

● Step 3: The final step is to visit the nearest branch office with a copy of the policy you possess.

These steps ensure that the policy you decide to purchase is legal and in compliance with the rules and regulations, and there are zero risks of any scam or dubious activities.

2. Be careful while making payments:

When it comes to paying the premiums of your vehicle insurance, or any insurance for that matter, say no to cash payments. Please ensure that you use digital modes or platforms of payment.
Now, what constitutes digital payments? You can use your debit or credit cards, contactless payments (e.g., NFC), QR codes (UPI), digital devices, net banking, mobile money/e-wallets, etc. These digital payment methods make it easier for the sender and the receiver to track the payment and fetch the payment details in case of a mishap.
The records for cash payments can easily be created or destroyed and might not be considered legal and legitimate proof when required to be tracked during financial blunders. Plus, large amounts of cash are dangerous to carry/maintain. Also, digital payments come with additional layers of security like SSL, OTP verification, 2-step authentication, and more, making it challenging for fraudsters to hack into your personal information.

3. Stay away from policy mis-selling:

There have been several cases where potential customers have been convincingly promised benefits that are too good to be true. As a consumer, you need to refrain from mis-selling the policies. How can you detect if the policy being sold to you is a scam? You need to be very careful about the kind of offer the seller is trying to convince you of. If the policy offers and features seem exaggerated, avoid entertaining them from that point onwards. It would be best if you also were cautious of any combo offers the seller is trying to sell-bundling up insurance with mutual funds, fixed deposits, lockers, or other financial instruments. And read the policy document carefully before signing up for it or making any purchase.

4. Protect your identity proofs:

Several documents are considered legitimate identity proofs by the government of India. These documents are prioritised differently during different procedures. Despite that, you must ensure that you safeguard these identity proofs as such documents can easily be stolen and used for criminal for other illegal activities, creating a huge legal issue.
If your health insurance membership card is misplaced, lost, or stolen, you must report it immediately to the designated insurance provider. If you encounter any fraud or fraudulent person, you should instantly register a complaint with your insurance company. The Insurance Regulatory and Development Authority (IRDA) or your insurance provider will never call or approach you for any offers against the insurance policies.

5. Necessary checks on claim process:

Addressing all safety checkpoints is a half-done job. It is crucial to authenticate and ensure a fair claim procedure to be applicable for enjoying all the benefits enlisted in your insurance. The essential tips for validating necessary checks on the claim process include the following:

● Reading the estimate copy carefully and clarifying any doubts with your insurance agent/provider.

● Going through all the messages and emails received from your insurance company.

● Self-attesting all the claim documents before submitting them for further processing.

● Don’t sign any blank claim form, and always keep a copy of the documents you provide to your insurance provider.

This is all about the prevention tips for a legitimate insurance policy that you must know. In light of such scams and frauds being a nuisance for the companies and the consumers, both parties must be aware of their rights and any potential indications of fraud that need to be kept an eye on.

For further information on various types of insurance you might need, the benefits, how to purchase, and much more, do visit our website https://www.magmahdi.com

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.

Whether a two-wheeler or a four-wheeler, owning a vehicle is a matter of pride and sheer joy. When choosing your vehicle, the engine capacity, mileage, pickup, and colour are some of the few factors you consider. One lesser talked about or thought about aspect is your motor insurance. Choosing the best motor insurance company in India should be your next priority after finalising the car because your dearest asset needs a reliable safety shield.

There are various hidden conditions and additional costs associated with insurance. It may be in the form of add-ons or premiums, but more often than not, we are confused about the final payments and all the benefits of getting motor insurance.

In today's article, we will talk about deductibles in car insurance and all you need to know about it.

What are deductibles?

An amount you are liable to pay from the total claim amount is known as deductibles in car insurance. Typically, if the repair costs you twenty thousand and the deductible is two thousand, you will have to pay two thousand, and the insurer pays the remaining eighteen thousand.

The higher the deductible amount, the lower your overall premium amount will be. Although promising a higher deductible would mean you will have to spend money from your pocket. Hence, analysing your monetary situation and the ability to pay the deductible is crucial to understanding the amount you might have to pay in case of accidents or damages.

Types of deductibles.

There are two types of deductibles from which you can opt from:
1. Voluntary deductible set by yourself
2. Compulsory deductible levied by the insurer

What is a voluntary deductible?

The amount you decide to pay from your pockets, depending upon the total insurance amount, is a voluntary deductible. As the risk that the insurer will take is lower, voluntary deductibles are a great way to get your premium lowered. Opting for a higher deductible will bring down the value of your insurance premium amount.

Before finalising your policy paper, deciding on a deductible amount you will pay yourself in case of any damages is imperative. This deductible is applied to every claim made after activation of the insurance.

What are compulsory deductibles?

The policyholder is not the one making decisions on these deductibles. The insurance board of India has set a value based on the engine's power or CC in these vehicles. It can vary from anywhere between one thousand to two thousand rupees. The premium amount stays unaffected irrespective of the compulsory deductibles.

When buying car insurance, two costs primarily add up. The first is the premium amount you have to pay at the beginning of the policy renewal, and the second is the compulsory deductibles you pay for every claim as a deductible.

Why is it essential to levy deductibles?

Many people partake in fraudulent activities to skip maintenance costs and reap maximum benefits from insurance companies. Manipulating evidence or staging accidents are part of moral hazards. Such situations can be avoided if a deductible is charged per claim.

Another reason insurance companies practice using deductibles is to provide a buffer between actual accidents and minor damages. Insurance providers offer financial support to people when they claim an accident or theft. However, the compulsory deductibles provide a cushion against unnecessary claims and financial stress for an insurer. Deductibles are used to protect them from such overwhelming situations.

These points are sure to help you understand deductibles and insurance policies better. Do thorough research before you buy your insurance policy. Choose the best motor insurance company in India and add value to your prized possession. Time invested in buying reliable insurance will bring you the best returns during tough times.

Click HERE to know more about the best motor insurance company 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.

Taking a shower is quite refreshing, especially after retiring from a hectic day or a high-voltage workout regime. The shower makes you feel better whether you prefer long, steamy stints or quick, frosty ones. While both hot and cold showers have their benefits, the optimal option is somewhere in the middle.

Let's discuss them one by one. First, let's talk about the merits and demerits of cold showers.

Merits:

1. Recover after a workout:
Ice baths and cold showers have gained popularity in the fitness regime for post-workout recovery. Cold water possesses regenerative properties that help your muscles to repair after an intense workout.

2. Reduce itching:
Due to the cooling and anti-inflammatory properties of cold water, a cold shower can help lessen itching if you have sensitive skin.

3. Enhance your body's resistance:
The immune system experiences a mild stress response when exposed to cold water, which helps increase resilience. Therefore, your body may react better when attacked by an infection.

4. Protects your skin and hair:
Your skin and hair do not lose their natural oils when you take a cold-water shower. Pores are sealed shut by cold water, which tightens the skin. Additionally, it inhibits hair fall and is kinder to your hair.

5. It makes you more alert and energetic:
You are startled awake in the morning by the shower's cold-water spray hitting your body. This shock will make you more alert and energised by raising your heart rate and oxygen intake.

Demerits:

Taking a cold shower can make you feel worse when you're sick. You will feel colder and take longer to warm up if you already have a cold, cough, or fever. People with joint pain can face problems like cramps after having a cold shower.

Let's talk about the advantages and disadvantages of a hot shower.

Merits:

1. Relax muscles:
After a workout, a hot shower might assist in relaxing the muscles and speed up healing.

2. Relieve respiratory symptoms:
A hot shower might be a helpful approach to relieve stuffy nose symptoms. This is due to the steam produced by hot showers loosening the mucus in your throat, nose, and chest.

3. Improve sleep:
According to research, a hot bath or shower before bed can help you sleep better quickly.

Demerits:

1. Taking hot baths might make your skin dry. When your skin comes into touch with extremely hot water, the keratin cells that make up its top layer are destroyed. Your skin becomes dry because moisture cannot be trapped.

2. Additionally, taking hot showers can make skin disorders like eczema worse. This is because hot water causes the skin to dry out excessively. Even if you don't have a skin issue, it might still make your skin itchy.

3. You should avoid hot showers if you have cardiovascular disease or high blood pressure. These issues might worsen if the water is excessively hot.

Which is best for your health – a hot or cold shower?

Showers, whether hot or cold, offer advantages of their own. If possible, take a warm shower before applying a moisturiser to your body while it's still damp. Cold showers can soothe irritated skin, while hot showers help relax the muscles and clear the nasal channel.

Sometimes, hot showers can cause skin problems as well. You can choose between the two depending on the weather and any health issues you may have. In the winter and when you are sick with a cold or fever, you should avoid taking a cold shower. If you don't enjoy chilly showers, ensure the water is lukewarm.

Keeping everything in mind, a person should prioritise his health, whether by having the right shower, doing daily exercise, eating a healthy diet, or purchasing the best health insurance plans in India for additional safety and medical emergencies. Health insurance will make you feel more prepared financially to deal with such circumstances and manage medical expenditures since treatment costs are rising daily.

Click HERE to buy the best health insurance plans in India and safeguard your finances.

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.

Accidents never come with a warning. And in such cases, having car insurance is a considerable relief. Otherwise, you will have to bear all the financial costs and suffer through the stress, which will never help the problem.

It is always advisable that before buying an insurance policy, you should know all the details and information. And to get the complete information, you need to ask all the right questions to your designated insurance provider. This helps you to know about the benefits you can avail and the steps to take in case you get into trouble.

Listing down all these things has us sweating. All these unforeseeable circumstances sound so taxing, don’t they? This blog has all the information you need regarding these crucial questions.

1. The number of insurance claims you can make:

It’s a mix and match. The higher the number of insurance claims you make in a year, your insurance premiums will increase. Most of the time, the number of insurance claims is not limited and mentioned in your car insurance policy. Your “no claim bonus” provided by your designated insurance provider reduces if you file a claim during a year. It is optional, so you are allowed to forfeit it. It would be best if you were mindful of your zero depreciation cover and other add-on benefits, as some insurance provider companies have a limitation on the number of claims in such covers.

2. Is there any particular number:

There is no particular answer to the question, “how many car insurance claims can be made every year.” It ultimately depends on the type of damage, the grade of damage, the type of policy cover you have under the insurance, and your insurance provider’s norms and regulations.
Although, it is advisable to save your insurance claims for damages that would cause you some financial stress. Do not file insurance claims in case of minor damages that bear low costs, and you can easily afford to get it sorted.

3. What happens if you file several claims:

Suppose you end up filing multiple claims. Are you worried about the consequences and what sort of situations might arise regarding your car insurance? We have discussed the no-claim bonus. Your rates will lower if you do not file any claims in a particular insurance period or year. You will have to bid farewell to your no-claim bonus if you file too many claims.
So, it is advised to only file claims if they are way beyond your affordability or more than your no-claim bonus. Filing too many claims will not only make you devoid of no claim bonus but also affect your premium rates which will skyrocket in case of multiple claims. This happens as these claims make you appear on a riskier end for your designated insurers.

Other consequences include the depreciation rate not being taken into account by the insurance company in case of zero percent depreciation coverage. Don’t file a claim if your repair charges are lesser than the deductibles.

That was all about how insurance claims you can make in a year. We hope this blog has provided the best insights. We suggest an essential tip for buying online motor insurance for first-time buyers. As there are plenty of options to explore, you can conveniently purchase a plan that best suits your requirements and budget.

Click HERE to know more about online 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.

With changing circumstances and lifestyles, more people are prone to eating junk and unhealthy foods that can affect their behaviour adversely. Binge Eating Disorder, or BED, one of the most common eating disorders in the world, can tremendously affect your body.

The usual symptoms of binge eating disorder refer to excessive food consumption even when you're not hungry. The risk of Binge Eating Disorder in children and young adults is increasing with every passing day. This makes it a critical case of worry for everyone across the globe. The only optimum solution to this problem is regulating your eating habits. It is always beneficial to keep track of the best health insurance in India. This way, you will be covered health-wise wherever you go.

Let's look at the six practical ways to tackle BED.

1. Do not skip meals:
It is essential to adhere to a strict eating schedule throughout the day. The four-square meals a day are essential. None of them should be skipped at any point. If you skip a meal, you are more likely to have hunger pangs throughout the day.
This can stimulate cravings and give rise to binge eating. If you consume only one large meal throughout the day and binge eat in between, your blood sugar levels will also malfunction.

2. Drink water:
Hydration is one of the important characteristics of a healthy body. Water is essential in decreasing cravings. It helps in reducing overeating and maintaining a healthy weight. With an increase in water intake, hunger pangs will decrease as well. You should always pay attention to your body's call to thirst.
Although the level of water you should consume may depend on many factors, drinking water at regular intervals is a healthy habit to practise. Also, drinking water before meals can burn calories.

3. Practice meditation:
Mindfulness is a technique that involves being aware and fully present in the moment. Through mindfulness, you'll be able to listen to your body better. It is a great way to train your mind to avoid overeating.
It helps you understand what you are feeling and experiencing by making you understand your body better. It will also help you in processing your emotions well. When mindfulness is paired with cognitive behavioural therapy, the results are astonishing for BED.

4. Practice yoga:
Yoga is one of the most effective tools in reducing stress and anxiety in the body. With yoga, your body is trained to be emotionally stable. It involves meditation and breathing exercises that add to the overall development of the body.
It is noticed that people who have undertaken yoga in their lives enjoy reduced levels of stress. This can directly correlate to emotional stability and, thus, a reduction in emotional eating. It can significantly reduce the factors responsible for binge eating.

5. Clean the clutter:
The more organised your kitchen looks, the better. Take a day out of your schedule to eliminate all the extra clutter in your kitchen. Throw all the junk food away and replace it with healthy alternatives like fruits, vegetables, and nuts. It will clear your mind and make you more attentive toward healthier food items. Your surroundings will no longer trigger you, and you'll refrain from overeating junk food.

6. Work out for a while:
Physical exercise is highly crucial to your body. It can prevent binge eating to a great extent. Therapy alone cannot help BED patients. When paired with physical exercise, things get significantly different and better. Any physical exercise like swimming, running, biking, jogging, or playing sports can reduce binge eating. It is a step towards a healthier lifestyle.

Keep all the above pointers in mind when tackling Binge Eating Disorder. If you can follow these correctly, you can recover from BED. The battle is long and arduous but not impossible. Regardless, you should also consult with the best health insurance in India beforehand to keep you safe and secure and manage your finances well in any emergency.

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.

Hit-and-run accidents are frustrating events where a driver causes an accident and flees from the spot to avoid getting into complications. In many such accidents, the driver and the vehicle causing the accident become untraceable even after reasonable efforts have been made to search for them by investigating authorities.

As per the 2020-21 report of the Ministry of Road Transport and Highways, around 14.3% of cases of the total accidents that occurred in India accounted for hit-and-run. Section 161 of the Indian Motor Vehicles Act outlines the guidelines and proceedings in case of a hit-and-run accident.

The victim of such an unfortunate event can get relief by applying for an insurance claim to compensate the damage done to the vehicle. Let us see what we should do to claim car insurance in case of a hit-and-run accident.

1. Note down all important details:
In a hit-and-run case, the aggrieved party should avoid running after the offending car to catch it. If you face a situation like this, your first immediate response should be noting down the car number and other possible details about the car and the driver that can help the police to track him down.
The same applies to a hit-and-run accident in the case of a parked car. You should try to find the registration number of the vehicle involved in the accident by going through all available CCTV footage of the vicinity.

2. Find witnesses:
In some situations, it is possible that you won't be able to spot the accused vehicle and the driver due to mental shock or other damages post-accident. In this case, try speaking to people present at the site and gathering as much information as possible about the vehicle and the driver that caused the accident and fled. This will help you recreate the scene and gather enough information to file a case.
If your car was hit while parked somewhere, try to find any possible witness of the accident. In either case, take the witnesses' names and phone numbers so they can testify for you and help you to get your car insurance claim.

3. FIR:
You must register a First Information Report or an FIR about the accident at the nearest police station to the accident site. The police will then investigate the case and prepare a report. The car insurance company will require a copy of the FIR to process your claim.

4. Procedure:
The first step after you get engaged in a hit-and-run accident is to inform your car insurance company about the accident. Then you need to file an application to the Claims Enquiry Officer of that Taluka. You can appoint an agent as your legal representative to handle the case. In case of death, your family or a legal representative chosen by them will look after the compensation process.
On being satisfied, the Claims Enquiry Officer will submit his report to the Claim Settlement Commissioner. He will further process the report and prepare a sanction report. The Claims Enquiry Officer will communicate the sanction order to the car insurance company.

5. Compensation:
Once the car insurance company is fully satisfied with the evidence and the report, it will cover the repair and replacement charges of the car as per the terms and conditions of the insurance contract. Other than the above compensation, the Central Government has also set up a hit-and-run insurance fund to compensate the victims of hit-and-run accidents.

The numbers of hit-and-run cases have been constantly on the increase in India. In such cases, the claim settlement process under car insurance is a bit lengthy. However, the police should give a report stating that the offender could not be traced before the insurance company settles the claim. Also, the complainant should prove that the offender was at fault and that the accident occurred due to his negligent driving.

Hit-and-run accidents can be terrifying and challenging to recover from. Hence, an active car insurance policy is essential for comprehensive protection. This will secure you and your family from any monetary losses from the accident and ensure that you safeguard your finances.

Click HERE to buy 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.

Insurance policies are supposed to be understood thoroughly before you purchase them. Their purpose is how they would protect you and your assets against financial damage and decide on premiums and claims. Insurance companies conduct detailed background checks of their policyholders to ensure that they have authentic identities, are not involved in any criminal activities, money laundering, or financial scams, are not victims of identity theft, have a good credit score, are reliable drivers and law-abiding citizens of the country and much more.

Are you someone looking to understand the basics yet the most critical questions that would help you purchase motor insurance? We are here with all you need. In this space, we will discuss the most answered FAQs for motor insurance policies. This information will provide essential pointers you will need to understand if you are new to the insurance world.

1. What does third-party risk policy mean:

Third-party risk policies are necessary insurance policies that would protect the owner against the risks mentioned in the act. The third-party insurance policies compensate for the damages caused to the assets of the third parties or during deaths or accidents of the third parties.

2. Validity of your motor insurance:

You must know about the validity of your motor insurance so you can avail of the benefits on time. Always be up to date with your premiums and renew them to avoid putting your vehicle at risk. This way, you avoid financial burdens in case of unfortunate circumstances. The period of motor insurance from the day it begins is up to a year. This will be displayed in your insurance policy's schedule. Do not forget to read the documents and the listed terms and conditions carefully.

3 . Making claims:

Evaluate and estimate the cost of your damages. In many cases, raising small claims might not be a good idea if the damage costs you a small amount that you can easily bear. Keeping your claims for the future can help you avail them whenever there is a dire need in case of a substantial financial burden. Check the no claim bonus, which comes under your vehicle insurance. Follow through with the estimates and what you might have to forfeit under the bonus. Evaluate carefully and make the decision.

4. What happens during an accident:

If it were being driven by someone else, your car or motor insurance would still be valid to use, given that the person driving your vehicle was granted permission by you for the same. You can use your insurance policy to ensure you do not incur enormous costs for repairing the damages.
Also, vehicles are liabilities too. So, the individual's (the person driving your car) liability insurance can be a huge help in paying for the damages if your motor insurance exhausts its limits during the complete servicing and repairing process. Be mindful of your insurance limits.

5. Selling your vehicle:

If you decide to sell your vehicle, you can hand over the authority of the motor insurance to the new buyer. You must make sure that you apply for an insurance transfer with the designated insurance organisation within fourteen days of your car's transfer date under the buyer's name and ownership. You need to pay the endorsement premium before transferring the insurance policy.

Well, these were the most answered FAQs for motor insurance policies. We hope that this information proves helpful to you in understanding a little deeper about motor insurance and the fundamentals you must be aware of to ask the right questions to your insurance provider companies and officials. Also, explore all your options and get the best motor insurance India. List down your requirements and accordingly plan the estimated premium. Make practical decisions and see the results doing wonders for you!

Click HERE to know more about the benefits of buying the best motor insurance India.

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

As thrilling as owning a car, there are undoubtedly various risks associated with the same. With the number of accidents increasing daily, it is essential to look out for your family and loved ones. One way of ensuring that is by investing in a good car insurance policy. Another way to ensure that your family stays safe even after your death is by adding them as nominees to your car insurance.

Wondering who a nominee is and the benefits of adding a nominee to your car insurance? Then, this article will tell you everything you need to know about nominees and how to add them to your car insurance.

What is a nominee?

In case of the policyholder's death, a nominee is a person that the policyholder nominated at the time of signing the insurance and will be getting the insurance policy's proceeds. The insurance must also cover personal accidents along with the base plan to provide extended coverage. The personal accident cover will ensure that the nominee gets the insurance benefits even in the absence of the policyholder.

Indian law states that a nominee is responsible for the custody of money or property after the policyholder's death. In some cases, a nominee is responsible for distributing the money and other profits to the legal heirs or the spouse as stated by the policyholder.

Who can be a nominee?

There are no set rules as to who can be your nominee, but the practice is to keep the spouse, parents, or children as the nominee.

How to add a nominee?

Much like every other process, technology has recently made adding a nominee easy. The majority of the work can be done online. Websites and mobile apps have made changing or adding a nominee more straightforward and hassle-free. All you need to do is access your policy account and add the nominee to your selected policy. You will need to give details of the nominee, such as name, date of birth, relation to the nominee, etc. Keeping these documents handy would make the process simpler.

If you want to change your nominee, you can follow the same steps mentioned above and edit the choice of the nominee in your policy portal.

Why should you choose a nominee beforehand?

If an accident or any mishap happens, the legal heir is the lawful beneficiary of the insurance claim benefits. However, verifying and validating the identity can be long and tiring if not explicitly mentioned as a nominee. Choosing and naming a nominee when buying new car insurance or at the time of car insurance renewal is crucial.

What are the benefits of choosing a nominee?

1. In case of the policyholder's death, the personal accident cover provides financial coverage to the family. The claim is not limited to the death of the policyholder. You can make this claim even in the case of temporary or permanent disability caused by an accident.

2. If a person dies after a claim is made, the compensation and benefits will be diverted toward their nominee.

How to withdraw money as a nominee?

Since a nominee is not the owner of the assets, it is essential to prove to the authorities that the policyholder is deceased. You will also need to establish your relationship with the policyholder to the insurance company. The policy holder's death certificate, policy papers, nominee's birth certificate, and a certificate stating the relationship between the policyholder and the nominee are some documents you might need to provide to the insurance company to avail the benefits.

Some policies provide the option to choose multiple nominees, and the benefits and compensation can be shared amongst the nominees as per the policyholder's decision. You can change your nominee mid-tenure. You can either talk to your insurance provider or manually adjust it through mobile applications or websites.

To ensure your family's safety and protection, do not forget to add on personal accident cover in your next car insurance renewal.

Click HERE to find out more about car 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.

If you enjoy riding your motorbike and spend time getting it customised with modifications and accessories, this blog is for you. Personalisation is now becoming the backbone of many industries. People want things they consume or use to be altered to cater to their tastes. And a little personal touch makes the consumers feel cared for and appreciated to be loyal to a company or a brand. Did you know that you can now personalise your two-wheeler insurance?

You can alter and add several benefits according to your requirements to your two-wheeler insurance. Curious about how you can get additional benefits that would satisfy your necessities? This blog will discuss all the information about insurance policies and how you can adjust them a little to fit your interests.

While we would be talking about how personalisation is a part of insurance, you must remember that this can only occur if you have valid insurance to drive around your bike. Do make sure that you have legitimate and valid two-wheeler insurance.

So, here's how you can personalise two-wheeler insurance.

1. There are various types of insurance covers:

Various insurance covers here include comprehensive insurance cover, third-party cover, additional riders, etc. Under comprehensive insurance cover, you get benefits that would protect you against all damages caused to your vehicle, third-party property, or person. It provides you with full coverage. Due to the extravagant benefits, comprehensive insurance is costlier than a third-party cover.
The third-party cover is a compulsory policy that protects the policyholder against any damage or risk to third party-persons or property. This cover is limited to damage caused only to the third party by your vehicle. And it is mandatory for everyone who has bike insurance. The limitations of the third-party cover are solved by comprehensive coverage insurance. You can opt for an additional rider cover as a part of your insurance benefits. In doing so, you will be required to pay an extra amount or a premium. The details of the additional riders can be included during the registration and the beginning of the insurance policy coverage of the primary policyholder. You can also have the extra rider cover during the whole renewal procedure of your two-wheeler insurance. These riders will be eligible to get similar benefits as the primary policyholder. They will receive emergency or round-the-clock roadside assistance from the insurance company.
This assistance and the additional riders cover any loss or damage caused or if your bike got towed or in case of any repairs. The various issues this extra rider's insurance cover would easily handle are duplicating keys and the related problems like changing the tyre, and empty fuel tank, among many other benefits.

2. Protecting your engine:

The engine protection insurance covers you in case of engine damage, gearbox issues or damage, leakage of the lubricant, heating up of the engine, engine failure, and much more.

3. EMI protection option:

Some other benefits include EMI protection, where in case of any damages, the designated insurance company will pay for the EMIs of the two-wheeler as directed in the EMI bike insurance and protection cover. This will apply only if the service centres or the garages are certified and approved.

Other benefits or additional riders include coverage for vehicle-related expenditures like motor vehicle oil, coolants, refrigerants, nuts, screws, etc. Then there is a pillion rider's cover to protect the rider with you against any accidents and body injuries. This insurance add-on benefit also covers any medical costs incurred during accidents for the pillion rider.

So, here's how you can personalise two-wheeler insurance. There are several options to buy the best two wheeler insurance India and customise it your way. Reap the benefits of hassle-free insurance claims and valuable financial support during an emergency.

Click HERE to know more about the benefits of purchasing 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.

Numerous banks and financial institutions provide personal accident insurance as a perk for cardholders who use them frequently. In this article, we'll examine how banks and financial institutions offer personal accident insurance plans for their cardholders, how they operate, and their significance.

1. Personal accident insurance: What is it?
Personal accident insurance offers protection for an accident-related injury or death. In the case of a covered accident, these plans often provide a lump-sum payment to the insured or their beneficiaries. The coverage is usually offered for a predetermined amount of time, such as one year, and can be renewed yearly. The coverage can be used for medical bills, lost wages, or other accident-related charges.

2. How do personal accident insurance plans operate for cardholders?
Plans for personal accident insurance are frequently provided as an extra perk to people who actively use credit or debit cards. The coverage amount varies depending on the card issuer and your card type.

When you sign up for a personal accident insurance plan, you are protected for a predetermined time frame, such as a year. You or your beneficiaries may submit a claim for an accident-related injury or death to collect the coverage amount. The payment is usually made immediately to the insured or their beneficiaries after the claim has been processed.

3. What explains the need for personal accident insurance?
Accidents can happen to anyone, and the associated medical costs and economic loss can be substantial. In the event of an accident, having personal accident insurance coverage can provide you peace of mind and assist in reducing some of the financial strain.

Personal accident insurance policies are mostly less expensive than standard health insurance. They do not have the same level of coverage as health insurance because they are devised to provide coverage exclusively for unexpected mishaps. Yet, for people who wish to safeguard themselves and their families in the case of an accident, they are more affordable solutions.

4. How to invest in a personal accident insurance plan with your card?
You might be qualified for a free personal accident insurance programme if you often use your credit or debit card. To see if your credit or debit card issuer offers this advantage, contact them first if you're interested in signing up for a personal accident insurance plan. These policies are frequently provided free of charge to cardholders by banks and other financial institutions, while the details of the coverage and eligibility criteria may change.

You can enrol in the plan online or by contacting the card issuer's customer service to avail of personal accident insurance coverage. Your bank might ask for basic personal information, such as your name and contact details to verify your account with them. Also, it's crucial to carefully study the terms and conditions before enrolling. Ensure you know potential limits or exclusions and what is and is not covered.

You can also buy a stand-alone policy from an insurance company. These plans often have higher premiums but may provide more comprehensive coverage than card issuers.

It's always better to ask your credit or debit card provider whether they provide the option to enrol in personal accident insurance. But never get too excited! Read the terms and conditions thoroughly to understand the inclusions and any limits or exclusions that could be applicable. When you have the appropriate personal accident insurance plans, you can rest assured that you and your family are covered in the case of unforeseeable circumstances.

Click HERE to learn more about the benefits of personal accident insurance plans.

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

Road trips with family members, friends, or companions are a pleasant experience to enjoy. You are jamming to your favourite songs, catching updates about one another's personal life, enjoying the views of the route, and are just taking a much-needed break from your hectic work life. All this sounds amazing, comfortable, and convenient. But what would happen if something suddenly goes downhill and you land in a chaotic situation you did not expect?

You must know and be aware of the practical solutions before you end up in a chaotic situation. This blog will discuss the driver and the co-passenger aspects of car insurance. So, here's all you need to know about car insurance's driver and passenger cover. Let's get started!

1. In accidents, passengers get severely injured along with the drivers. As a mitigation measure to avoid financial stress during unfortunate circumstances, getting a passenger's insurance would help to protect their life.

2. The policy covers up to two lacs of hospital and medical bills and permanent or short-term disability liability. In case of the passenger's death, the financial support will go to the nominees or the person to whom the policyholder assigned the money and the responsibility.

3. Personal accident insurance is mandatory for the owner and the driver of the designated vehicle. Passenger insurance is separately entitled insurance unrelated to personal accident insurance. Although, do not mistakenly assume that the lack of enforcement to get a passenger's insurance is something you can be careless about. Secure everyone's lives-whoever is travelling in your car.

4. There are various types of car insurance coverages for both the drivers and the passengers. These include (owner-driver) personal accident insurance, paid drivers' accident coverage, and unnamed passenger personal accident insurance, to name a few. The paid drivers' personal accident coverage ensures that whoever you hire to drive your car is enlisted in that insurance as a paid driver. You can get this add-on benefit in exchange for a small amount. This tends to be a massive plus in the long run, especially during sudden accidents or risks. The individual registered under the title of the paid driver is only eligible for the amount the insurance is supposed to cover.

Unnamed passenger personal accident insurance can be bought as an add-on to protect the life of the passengers travelling in your insured car. You can select the add-ons according to the number of passengers your vehicle can have. And it is mandatory that during sudden situations where you might land in an accident, or something unfortunate happens, this benefit will be only applicable if there are not more than the legally permitted number of passengers (according to your car model and government and companies' instructions).
As the owner of the car and someone who owns a driving licence, you must have owner-driver personal accident insurance under your auto insurance. The insurance amount would be passed on to your legal and enlisted heirs in case of physical disabilities or death due to a vehicle under your name.

5. The owner-driver and the passenger cover under auto insurance act as a secondary safety net for you and your fellow passengers. Usually, standard insurance policies do not offer you such benefits. In the case of the owner-driver personal accident insurance, the insurance company will ensure that the amount reaches the nominee of your insurance in case of any death or tragic circumstances.

As we are already discussing insurance, you must also consider your car's security. Your car is your asset, and you must protect it under comprehensive car insurance. You can also save a considerable cost by avoiding intermediaries' involvement. Buy online car insurance and eliminate the unnecessary stress of the cumbersome process, long waiting time, and commissions to agents.

Click HERE to know more about 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.

Mental health has been a stigmatised topic in India for many decades. While in the cases of most physical illnesses, people are willing to consult a health professional as soon as they detect a disease, they find it challenging to do so in the case of mental health issues.

This is because of the widespread false notion that if you have a mental illness, it makes you a weak person or there's something wrong with you. It is not usually as easy to detect, so it often goes untreated. However, the recent interest in individuals' overall health and well-being has increased interest in purchasing the best health insurance policy in India, which also offers coverage for mental illnesses.

Ignoring your mental well-being can have several adverse impacts. Read the full article to understand the importance of mental health consultation for complete wellness.

1. Mental health affects your physical well-being
Mental health is often seen as something completely separate from physical health. However, we need to realise that the brain is the most essential part of the body. When it gets affected, it ends up affecting the whole body. If this seems too far-fetched, consider that poor sleep and insomnia are caused most widely by stress and anxiety. So are heart palpitations. In a way, the reverse is also true. Since problems in physical health can also cause mental health issues, people with chronic or life-threatening physical illnesses should be constantly monitored for mental health issues.

Trauma, such as head injuries, is the most common example of this. In these cases, it's best to consult a mental health professional immediately and buy the best health insurance policy in India that also covers mental illnesses.

2. Early detection makes a huge difference
As with any disease, early detection makes a world of difference. Symptoms worsen with time, and like physical illnesses, treating a mental health issue is easier when the symptoms are mild. Also, chronic mental issues significantly impact patients' daily lives and make regular routine seem more daunting. It may also cause strained relationships with family, friends, and co-workers, which is undesirable. Early treatment can avoid these complications.
 

Signs you might need to consult a mental health professional

● Sluggish feelings and declining physical health
Physical health is one of the most significant mental health indicators. Depression and anxiety cause many problems in the body, including headaches, fatigue, cardiovascular problems, and muscle aches. They also affect the endocrine and immune systems, affecting physical health adversely.

● Losing interest in hobbies
Depression and other mental issues can make you feel increasingly alienated from the hobbies and activities you previously enjoyed, whether gardening, a sport, or simply socialising.

● Withdrawal from previously fulfilling relationships
Isolation is one of the prevalent methods people use to deal with declining mental health. This can take a toll on your existing relationships and cause them to deteriorate, alienating the ailing person even further. A psychologist can be very helpful in these situations, as they can reinforce social skills and help you practise making healthy relationships again.

● Adverse impact on work performance
A decrease in work performance indicates declining mental health. When you start finding work extremely hard to do and feel lethargic all the time, it is essential to consult a mental health professional immediately.

There is no shame in seeking help when you need it. Taking care of your health's physical and mental aspects is of utmost importance. While consultations can help as a preventive measure, buying the best health insurance policy in India is an excellent way to protect yourself from rising medical costs.

Click HERE to know more about the best health insurance policy 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.

Bike engine damage can be severe and adversely impact you financially. Even though it doesn't break down often, fixing the engine can be expensive. An engine protection in your two wheeler insurance helps you in case of damage caused by water getting into the engine or oil leaking and making the engine non-functional.

You always have to select it as add-on insurance, as the comprehensive coverage does not cover the engine. For a little higher premium, you may rest easy knowing that you are protected financially if the insured bike's engine suffers damage.

The bike engine protection add-on covers the cost of repairing or replacing engine and gearbox components damaged by water intrusion, lubricating oil or coolant leaks, or a hydrostatic lock of the covered bike. The engine protection add-on is essential that you should consider when buying bike insurance.

The two-wheeler engine protection cover's advantages are as follows:

• It covers the cost of the bike's most expensive component - the engine

• Protection against physical harm caused by hydraulic lock to the engine and gearbox

• Financial protection against engine oil or lubricant leaks caused by water intrusion

• Provides monetary security

• Ideal for residents of flood-prone areas

The engine protection add-on does not cover the following items:

• Any maintenance or replacement due to normal wear and tear

• Repair or replacement of an internal part of the engine or gearbox because the driver was drunk, illegally racing, or the bike was driven while the driver's licence was invalid

• Damage or losses caused by engine corrosion

• The price of lubricants or engine oil

• Any claim made following the deadline for notifying the insurer of the incident

• Any claim in which engine parts were repaired or replaced without first notifying the insurance provider

• Any claims that are beyond the manufacturer's warranty

Do you need an engine protection add-on?
When you buy insurance from 2 wheeler insurance India, the "Engine Protection" is generally not covered. It is an advantage that is provided as an add-on. You should opt for this feature if you live in a region prone to flooding. For a small additional premium, you can relax knowing that the most expensive component of your motorcycle is covered and stop worrying about unexpected repair costs resulting from engine damage.

Who should purchase the engine protection option?
With a small cost on your annual premium, the engine protection add-on cover provides additional protection. For the following reasons, it would be best if you gave some thinking to get the bike engine protection add-on:

• If you have just purchased a new bike

• If you live in a flood-prone location

• If you want financial protection against significant damage to the engine parts

Understand that any damage to the engine's internal components can be expensive. To prevent unintended damage to the engine or gearbox components, check the engine oil level frequently. The bike should be serviced regularly as per the schedule, and you should change parts like the air filter and oil periodically to keep the engine running smoothly.

Avoid over-accelerating the engine because this could cause it to overheat and harm its internal components. Also, avoid buying duplicate parts during any post-damage repair. Lastly, buy a reliable 2 wheeler insurance India with an efficient engine protection add-on to enjoy an exceptional benefit.

Click HERE to buy the best 2 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.

Are you planning an adventure group trip on your motorcycle? Do you have all the necessary safety gear and insurance coverage in place? While helmets, protective clothing, and two wheeler insurance online in India are essential for any rider, have you considered bike-to-bike communication? On-road communication with fellow riders ensures a safe and enjoyable ride, especially for long adventures.

In this article, we will discuss why bike-to-bike communication is essential for safe adventure rides and how it can enhance your overall riding experience.

The importance of bike-to-bike communication
Riding a motorcycle on long adventures can be an exhilarating experience. Although, it can also be challenging, especially when you are riding in a group. When riding with a group, it is essential to maintain proper communication to ensure everyone's safety.

Bike-to-bike communication allows riders to stay in touch, share information, and coordinate actions. It is advantageous when riding on unfamiliar roads or encountering unexpected obstacles.

There are numerous benefits of bike-to-bike communication. For example, it allows riders to warn each other of potential hazards, such as potholes, gravel, or other obstacles on the road. It can also help riders to navigate tricky terrains and communicate directions.

Types of bike-to-bike communication
There are several ways to establish bike-to-bike communication. The most common method is through hand signals. Hand signals are simple and effective, and they do not require any special equipment. However, they can be challenging when riding at high speeds or in noisy environments.

Another way to establish bike-to-bike communication is through Bluetooth headsets. Bluetooth headsets are wireless communication devices that can be attached to the helmet. They allow riders to talk to each other through a built-in microphone and speakers. Bluetooth headsets are convenient, and they provide clear and uninterrupted communication. However, they can be expensive and may require a specific installation.

CB (Citizen Band) radios are another way to establish bike-to-bike communication. CB radios are two-way radios that allow riders to communicate with each other within a limited range. They are effective for long-range communication and are helpful when riding in areas with poor cell phone coverage. However, CB radios are bulky and require a power source, making them less portable.

The advantages of bike-to-bike communication
Bike-to-bike communication has several advantages that make it essential for safe adventure rides:
1. It can prevent accidents by enabling riders to warn each other of potential hazards on the road.
2. It can enhance the riding experience by facilitating social interactions and camaraderie among riders. Riding with a group is often more enjoyable than riding alone, and bike-to-bike communication can make the experience memorable.
3. Bike-to-bike communication can provide security and confidence when riding in unfamiliar territories.
Bike-to-bike communication is no longer a luxury but necessary for safe and enjoyable motorcycle adventures. By using a communication system, riders can remain connected and aware of their surroundings, enabling them to make quick and informed decisions.

Communicating with fellow riders can be especially important when encountering unexpected challenges on the road or when travelling in a group. By staying in constant contact, riders can reduce the risk of accidents, get help when needed, and stay on track toward their destination.

Whether planning a long-distance ride or just a quick trip with friends, having a reliable communication system will allow you to fully immerse yourself in the journey and enjoy the ride to its fullest potential. So, be sure to equip yourself with the right tools and enjoy the ride with peace of mind knowing you are fully connected and ready for unprecedented situations.

While bike-to-bike communication is crucial for safe adventure rides, it is not the only aspect requiring attention. Insurance coverage is also an essential component of any rider's safety toolkit. Two wheeler insurance online India provides financial protection against accidents, theft, and damage to the vehicle. In addition, it also offers third-party liability coverage, which protects the rider against legal liabilities arising from injury or damage to third-party property. Ensure your trip's safety by investing in reliable two wheeler insurance online India.
 

Click HERE to learn more about the benefits of purchasing 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.

The MV Act, or the Motor Vehicles Act of 1988, regulates the legal environment surrounding motor vehicles. It states that every car owner must buy new car insurance after acquiring a new car or renew it immediately after its expiry. It is one of the three must-carry-along documents for drivers, including a PUC certificate and driver's licence. With increased regulations and growing awareness regarding the financial burden of shouldering expenses in case of an accident, the policyholder base of motor insurance has risen steadily.

Despite the importance of car insurance, it cannot be said to be a comprehensive policy. Some aspects are left out in the document's fine print and are available as add-on facilities. Therefore, while most people know the need to buy new car insurance, only some are aware of general exclusions.

A typical example is the consumables in car insurance, which is discussed in detail in this blog.

General inclusions under car insurance:

While each insurance company may offer a slightly varied version of car insurance, generally, third-party car insurance covers accidents that cause damages to other parties or their properties. Without such a policy, you will have to bear the losses and compensate the affected party.

A comprehensive policy has two aspects, a third-party car insurance policy and own damages cover. Thus, it provides enhanced protection against personal injuries and manmade and natural disasters. Since consumables are nowhere mentioned as included, it is implied that they are an exclusion from the policy.

Understanding consumables:

Consumables in accounting refer to assets used within the process and are sometimes held on standby for future use. The former part of the explanation applies to consumables in cars. These items are used in the general running of a vehicle and are subjected to continuous wear and tear.

Consumables in a car can be identified as brake oils, engine oil, lubricants, refrigerant for AC, ball bearings, nuts, screws, bolts, washers, etc. In simpler words, they aid in the efficient running of the vehicle without forming a large chunk of the cost and are put to use regularly, which is why they deteriorate faster than other car parts.

Consumables insurance:

While consumables may not appear to be a prominent aspect of the relevant cost incurred in purchasing a car, they play a crucial role in the proper functioning of the vehicle and must be noticed. It is prudent to insure your car's consumables to prevent any financial losses you may have to bear due to improper condition of consumables.

Although not included in comprehensive insurance, insurance companies provide the facility to select add-on consumables insurance by paying an additional premium for the service.
Add-on consumables insurance covers expenses incurred for replacing items like engine oil, brake oil, steering oil, coolant, AC gas, refrigerant, dust filters, air filters, engine filters, bolts, nuts, washers, screws, grease, etc. It is important to note that consumable insurance is usually provided for cars not used for more than five years.

Exclusions of consumables insurance:

It is a specific add-on insurance type that only covers relevant costs relating to consumables. The general conditions to claims are similar to any other car insurance or allied add-on facility. In the following conditions, the claim is not admissible:

● Driving without having a valid driver's licence

● Driving under the confluence of substances or liquor

● Misuse of personal vehicle for commercial use

● Prolonged delay in informing the insurer regarding the replacement of consumables

● Misuse or overuse of policy to claim the maximum benefit, as against a rational person's actions

Consumables play an essential role in a car and must be considered when you buy new car insurance. The policy is purchased by fulfilling common conditions similar to car insurance. It helps file a claim for replacement costs of consumables by informing the insurer.

Click HERE to buy new car insurance policy.

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.

Summer is a time for fun and outdoor activities, but allergies can become a spoilsport for many people. Various allergens can thrive in higher temperatures and humidity levels, causing people to experience allergic reactions. Pollen, mould, insect stings, food, and sun allergies are among the most prevalent summer allergies. Sneezing, runny nose, and more severe reactions like anaphylaxis are just a few of the symptoms that these allergies can produce.

Here's something you must know for your relief. Buying a health insurance policy for family covers various medical costs, including those incurred because of allergies. Depending on the policy, doctor visits, prescription drugs, diagnostic tests, and hospitalisation may all be covered.

Here, we'll go into detail on the symptoms of the most prevalent summertime allergies. Understand these symptoms so that you can work out the remedies to prevent the situation from getting worse.

1. Mould allergies
Mould is a fungus that grows well in warm, moist places like restrooms, basements, and air conditioners. The summer months bring higher humidity levels, perfect for mould growth.

Inhaled mould spores have the potential to cause following allergic responses.

● Runny nose
● Itchy eyes
● Skin rashes
● Coughing
● Wheezing

Mould allergies occasionally result in respiratory issues or sinus infections that can disrupt your routine.

2. Sun allergies
Sun allergies are common during summer. The most common cause of sun allergies is an immunological response to the sun's ultraviolet (UV) radiation that results in an allergic reaction.

Sun allergy signs and symptoms include:

● Itching
● Swelling
● Burning sensation
● Redness, rash, hives, and blistering on the skin
● Headache

Sun allergies may occasionally result in fever and chills. Covered skin, a hat, an umbrella and sunscreen can be effective when heading out in the sun.

3. Pollen allergies
Hay fever and allergic rhinitis are additional names for allergies to pollen. During the reproductive process, plants release pollen. It can trigger an allergic reaction in certain people when inhaled. Symptoms can vary in severity depending on the individual and the type of pollen that causes the reaction.

Pollen allergies can cause these symptoms:

● Congestion
● Itchy and watery eyes
● Sneezing
● Fatigue
● Runny nose
● Throat irritation
● Headache

Pollen allergy episodes and breathing difficulties might occur in extreme situations. If
you are susceptible to pollen allergy, wear a mask when heading out.

4. Food allergies
Food allergies can occur during the summer, a season for picnics, barbecues, and outdoor dining.

Food allergies can cause these symptoms:

● Abdominal pain
● Diarrhoea
● Nausea and vomiting
● Anaphylaxis (a severe, life-threatening allergic reaction)
● Itching, swelling, and hives
● Difficulty breathing

Those with food allergies must remain cautious to prevent unintended exposure to allergens.

5. Insect sting allergies
Bug stings are common in summer months as Insects like bees, wasps, and hornets are more active.

Among the signs of an allergy to bug stings are:
● Dizziness
● Difficulty breathing
● Nausea and vomiting
● Diarrhoea
● Swelling, itching, redness, and pain around the sting area
● Hives

Preventing summertime allergies
You should take precautions to lower the risk of allergy reactions. Consider the following tactics:
● Verify the pollen count: Daily pollen counts for your location are available on many weather websites and apps. Before scheduling any outdoor activities, check the pollen count. Try to stay inside during periods of high pollen.
● Utilise air conditioning: The air conditioning in your house might help filter out allergies. Use a HEPA-filtered air conditioner to keep allergens out and close the windows and doors.
● Know what triggers you: Determining which allergens cause your symptoms is the first step in preventing summer allergies. This can apply to meals, pollen, mould, bug stings, etc. When you are aware of your triggers, you can take precautions to prevent them.
● Maintain a spotless home: The number of allergens in your home can be decreased with routine cleaning. Keep the carpets and upholstery clean, and wash your bedding and curtains frequently.
● Putting on protective clothes: Wear long sleeve shirts and slacks when you're outside to shield your skin from bug bites and sunburn. Pollen exposure can also be decreased by donning a hat and sunglasses.
For many people, having allergies in the summertime can be unpleasant. Sneezing and a runny nose are subtle symptoms. Anaphylaxis is a more severe symptom. It's essential to know your triggers, take precautions, and consider immunotherapy to prevent summertime allergies. Also, speaking with a healthcare professional about allergy prevention and treatment is essential. It is also crucial to have an appropriate health insurance policy for family. A comprehensive health insurance plan can help you and your loved ones stay protected from the financial adversities that may arise due to health emergencies.

Click HERE to buy a health insurance policy for family.

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.

Wellness is one of the most important priorities in life. It revolves around the complete well-being of mental, physical, and emotional states. Through wellness, the needs of the body and mind are met completely. It helps you achieve a state of rejuvenation. It is essential to experience a sense of solitude once in a while to fully detoxify your mind and body.

When you work excessively, your body gets tired after a point. It can lead to burnout or emotional breakdown. You need to take a detour and calm yourself down to avoid this. This can be achieved by escaping city life's hustle and restoring energy and enthusiasm at some peaceful locations. Wellness retreats with the abundance of nature, serenity, and greenery have a calming effect on you.

In this article, we recommend some of the popular wellness retreats in India that you should visit at least once a year to enjoy a digital detox and revitalise yourself. Before you go on your vacation, get the best personal accident insurance India to protect yourself from financial loss due to accidents during the trip.

Now, let's look at the destinations to enjoy a wellness retreat.

1. Rishikesh, Uttarakhand
Known as the spiritual capital of India, Rishikesh is full of nature and positive vibes. There is a sense of tranquillity that surrounds this place. The riverbeds, ashrams, and valleys provide breath-taking sights and perfect locations to practise yoga and meditation. You can also attend the morning and evening aarti by the riverbank. This life-enriching experience immerses you in a deep sense of positivity.

2. Orchha, Madhya Pradesh
Once the capital of the Bundel state, Orchha is an underrated wellness destination in India. It has a collection of royal and eloquent monuments. The Orchha Fort is the main attraction, allowing you to relax and unwind. Spend the evening strolling by the side of Betwa river and behold the amazing sunset. If you are an adventure seeker, don't miss the river rafting or board the jungle safari for an exciting wilderness expedition.

3. Kovalam, Kerala
Famous for its Ayurvedic treatment, Kovalam is worth visiting in Kerala. There is a rich spice and team plantation that makes Kovalam a paradise. Surrounded by green vegetation, backwaters, and sea, it is a perfect setting for a never-like-before healing experience. Rejuvenation seems a sublime luxury here. You can do yoga or meditate and try stress and weight reduction treatments at some world-renowned Ayurvedic centres.

4. Darjeeling, West Bengal
Known as the "Queen of the Hills," Darjeeling should be on your wellness retreat's wishlist. The greenery of this place will give you the much-needed comfort. With hills all around and rustic villages, Darjeeling is a perfect place to discover happiness. The tea plantations and the scenic view of the Himalayas are to die for!

At least once a year, you need a definite break from your monotonous life to immerse in moments of joy. You can visit these picturesque destinations to experience the much-needed comfort and warmth you crave. While planning a relaxing break from the tiring city life, buy the best personal accident insurance India to protect you financially against mishaps.

Click HERE to buy the best personal accident 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.

Alternative forms of medicine have been gaining popularity in recent years due to their holistic approach toward healthcare. India's traditional and complementary medical systems are Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy (AYUSH). These systems have been practised for centuries and aim to provide natural remedies for ailments, emphasising the use of herbs, natural products, and traditional practices.

AYUSH treatments are not only affordable but also have fewer to no side effects as compared to conventional medicines. These treatments focus on an individual's overall well-being and help prevent illness recurrence in the long run. Does your health insurance cover AYUSH treatments? Let's discuss this in detail in this blog.

The following are some aspects of AYUSH treatments:

1. Ayurveda
Ayurveda combines herbal medicines, dietary changes, and lifestyle modifications to treat various ailments. It helps maintain a balance between the mind, body, and spirit. It emphasises that the root cause of most diseases is an imbalance in the body, which can be corrected through natural remedies.

2. Yoga
Yoga is an ancient practice. It is a very active way to channelise your energy and combines physical postures, breathing exercises, and meditation to promote overall health and wellness. It helps in relieving stress, anxiety, and depression. It also helps in improving flexibility, strength, and balance. You'll strengthen your core with the right yoga practises.

3. Naturopathy
Naturopathy is a medicine system that believes in the body's natural ability to heal itself. It uses natural remedies such as herbs, diet, and lifestyle modifications to promote wellness. Naturopathy aims to identify the root cause of an illness and treat it rather than just fixing the symptoms.

4. Unani
Unani medicine is a medicine system that finds its roots in ancient Greece and later developed in Persia and India. It focuses on the balance of bodily fluids. To treat illnesses, Unani medicine uses natural remedies such as herbs, diet, and lifestyle modifications.

5. Siddha
Siddha medicine is a system that originated in South India. It functions on principle: the human body comprises five core elements - earth, water, fire, air, and ether. Siddha medicine uses natural remedies to combat health problems and boost the body's immunity.

6. Homoeopathy
Homoeopathy is a branch of medicine that believes in "like cures like." It uses natural remedies, primarily diluted in water, to stimulate the body's natural healing process. Homoeopathy intends to provide treatment for the fundamental reason of an illness rather than just the symptoms.

It's essential to have the best health insurance in India that covers AYUSH treatments for several reasons:

1. AYUSH treatments are often more affordable than conventional treatments, making them a viable option.
2. AYUSH treatments are based on natural remedies and have little to no side effects.
3. AYUSH treatments focus on the overall well-being of an individual, which means that they can prevent the recurrence of illnesses in the long run.

When searching for the best health insurance in India, consider the ones that provide coverage for AYUSH treatments to reap its benefits. It's important to note that AYUSH treatments should not replace traditional medicine and its conventional ways but as complementary treatment options. Always consult a qualified healthcare professional before undergoing any AYUSH treatment.

Also, coverage for AYUSH treatments may vary depending on the policy and the insurance provider. Some policies may only offer coverage for specific treatments, while others may have a limit on the amount of coverage available. It is, therefore, important to carefully review the policy terms and conditions to understand what is covered and what is not. Choose the best health insurance in India which serves your needs and avoids venting your pockets during an emergency.

Click HERE to learn more about the benefits of purchasing 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.

Spending time with your family is an underrated form of therapy. It is the need of the hour with busy schedules, building work pressure, and the growing need to perform better and be indispensable at your workspace. However, with such heightened expectations, burnout is inevitable. In such times, a getaway with your loved ones works like a charm to rejuvenate yourself and develop stronger bonds.

The New Year is the perfect time to plan a vacation with your family. With schools, offices, and other institutes allowing winter break, it is the ideal time to explore a new destination or revisit old memories at a place you've been to. However, deciding the place is always the most challenging part.

Are you looking for adventure, tranquillity, or immersive activities? No matter your requirement, we've got it all covered in our list of the best places to enjoy your new year vacation in India. Always purchase general insurance to cover any accidental losses during your travel.

1. Ooty, Karnataka:
If you want to celebrate quality time with family amidst nature and live in the present rather than party, Ooty is the best destination for your vacation. Its lush greenery, plantations, multiple lakes to experience boating, quaint architecture, and pleasant weather make it a great place to picnic and relax.

2. Auli, Uttarakhand:
A must-visit for adventure enthusiasts and nature lovers alike, Auli has gained popularity over the years. The hill station hosts various skiing competitions during the winter months, making it the best time to try your luck at the sport.

3. Sikkim:
While the Northeast ravishes over the snow in the mountains, the region is also home to vast greenery and some exhilarating activities for the entire family. Boasting lush valleys, deep-rooted heritage, and the awe-inspiring beauty of nature, Sikkim also has Tibetan influence, making for an extraordinary cross-cultural experience.

4. Goa:
It is not a stretch to call Goa as the country's party capital. Gifted with long beaches, Portuguese-influenced cuisine, and party spots like no other, Goa has something to offer for people of all age groups with varied interests. Plan the most thrilling New Year bash with family and friends on the vibrant coastline of Goa and immerse yourself in an unmissable travel experience.

5. Udaipur, Rajasthan:
While Rajasthan is a popular place to visit in the winter, the footfall during the New Year celebrations is exceptionally high. Home to beautiful handicrafts, expanses of desert, well-preserved ancient forts, and rich culture, Udaipur gives off a royal feel and provides the best Rajasthani cuisine that caters to the diverse tastes of travellers from all parts of the nation.

6. Pondicherry:
Also known as Puducherry, a stay in the city provides the best of all things you may wish to experience. You can find adventure sports, quaint streets, beautiful French-influenced architecture, and the Auroville, all in the same place.

7. Malvan, Maharashtra:
Malvan is the best place to visit if you love beaches but wish to avoid crowds and enjoy a more private celebration with your family. The town boasts of providing similar experiences as Goa during the New year celebrations, but at a smaller scale. You can enjoy a happening time savouring lip-smacking Malvani cuisine and enthralling water-sports activities.

A new year vacation is the best way to bid farewell to the year that went past and reminisce memories while preparing for the upcoming year. Our recommendations include various options for people of different interests that allow you to spend cheerful time with your family, engage in authentic experiences, and enter the new year with a blast. Before choosing the location, always ensure that your general insurance provides robust travel coverage against the contingent expenses you may incur in case of any mishaps.

Click HERE to buy a reliable general insurance policy.

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.

Awareness and enthusiasm about health and wellness have constantly been growing in the country, and people of all ages are paying heed to it. While the increased interest in comprehensive and affordable health insurance plans is a welcome preventive measure, we must not forget simple changes that can help maintain one's health.

Today we'll address one of the overlooked secrets of the health benefits of herbs! Herbs are the leafy part of the plant, used in cooking and as medicines. Herbs can add natural flavours and colours to any drink or dish. Besides cooking, herbs are an excellent way to prevent many health problems.

Health benefits of herbs
Consuming herbs may prevent the risks of heart disease, cancer, and diabetes. It also helps to reduce blood clots and has anti-tumour properties. Various herbs offer health benefits, some of which are mentioned below:

● Garlic and lemongrass may help prevent cholesterol
● Fenugreek may help to control blood sugar
● Some herbs, such as garlic, onion, mint, and basil prevent cancer
● They are also rich in antioxidants, which help reduce low-density lipoproteins
● Fresh herbs contain more antioxidants as compared to dried herbs

Top herbal medicines to prevent health problems
According to the World Health Organization, 11 percent of medicines prescribed worldwide are exclusively of plant origin. Herbal medicines are the traditional way to treat many health diseases.

In today's time, plants can help treat several health issues, including cough, cold, allergies, wounds, fatigue, skin infections, and even cancer. These herbs are less expensive and the safest treatment method. And that is why people choose a traditional path for their treatment because it has no side effects. Herbal medicines offer a natural way of using plant substances to treat illnesses.

The top herbal medicines to prevent health problems worldwide are given below:

● Garlic: It contains numerous nutrients and mainly helps treat diabetes and boosts the immune system. It also helps to regulate blood pressure, fight fungal allergies and infections and improve hair loss.
● Ginger: It relieves indigestion and nausea, reduces pain and stomach ulcers, and boosts the immune and respiratory systems.
● Turmeric: Turmeric has a very long history of medical use. It is known to be the most beneficial traditional way to treat illnesses. It has many health benefits, such as preventing blood clots, fighting depression, managing diabetes, and even fighting cancer.
● Aloe Vera: It is mainly used for constipation, skin diseases, and infections and is a natural remedy for colic. It can soothe rashes and skin irritation and treat burns, which is also beneficial for hair loss and scalp.
● Feverfew: It treats fevers, headaches, stomach aches, insect bites, infertility, and problems with menstruation and labour pains. It has a pain-easing effect.

Why should you choose herbal medicines?
● It is more affordable as compared to other conventional medicines
● We don't require a doctor's prescription for these herbal medicines
● They help deal with many health issues like depression, weak immune
medicines, prostate problems, and cardiovascular diseases.
● They have no side effects and are the safest way to treat illnesses

Herbal medicines are emerging as prominent medicines, growing their roots in every culture worldwide. These medicines are the oldest form to treat health problems naturally. There are some well-known herbal medicines like traditional Ayurveda medicine. These herbs contain many natural ingredients to treat mild diseases and help reduce symptoms.

Despite their ubiquitous use of herbal medicines and safety in treating health issues, many other health concerns require proper medical attention and diagnosis. For this, research and purchase affordable health insurance plans. Health insurance is the financial safety that protects you and your family from medical emergencies. Do thorough research, compare different policies, and buy the one that fits your budget and fills your criteria.

Click HERE to browse affordable health insurance plans.

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

You don't always have to hate travelling if you have to go through airports. With art galleries, rooftop pools, movie theatres, and live music all airside, some airports can even get you in the festive spirit before you get there.

Sometimes long waiting hours due to a delayed flight or extensive layovers can make you physically and mentally exhausted, especially if you travel with kids. These mini frustrations can be a spoilsport and ruin the excitement of your international trip or business tour.

But you need not have to worry much. Several airports worldwide have numerous exciting amenities and entertainment options that can entice you as a curious traveller and pass your time enjoying their mystic charm. Let's look at the coolest airports you want to visit once.

1. Airport Changi, Singapore:
The world's tallest indoor waterfall and a forest can be found in Jewel, a new complex open for tourists and air passengers inside the Changi airport. It features sky nets for climbing through treetops, canopy mazes, and misty clouds that enchant individuals of all ages. Because the airport is a destination in and of itself, the kids are sure to enjoy a cheerful time.

2. Gisborne Airport, New Zealand:
In India, level crossings are typical at rail-road crossroads, but this one in New Zealand's North Island goes a little too far. The main runway directly crosses the Palmerston North–Gisborne Line rail-road route. And keep in mind that it is an official public airport. Visiting this airport is a wondrous opportunity to witness this unbelievable marvel.

3. Kansai International Airport, Osaka, Japan:
The thrill of this airport is that it is constructed on an artificial island and is visible from space! Despite the significant risk of earthquakes and hurricanes, Renzo Piano, an Italian designer, built this man-made island to house the airport. It is a distinguishable feature on the oceanfront as you approach from above and is connected to the mainland by just one Sky Road. Sounds interesting, isn't it?

4. Vancouver International Airport, Canada:
In addition to two enormous marine displays run by the city's aquarium, Vancouver's massive airport has plenty to keep waiting passengers occupied. Various marine life native to British Columbia, including wolf eels, sea urchins, and orange cup corals, call the largest tank, measuring 114,000 litres, their home.

5. Agatti Aerodrome, Lakshadweep, India:
It appears to be a narrow sliver of land sticking out of the azure oceans, but it is the Agatti Airport in Lakshadweep. The sole one serving the Lakshadweep islands was made for the Dornier 228 class aircraft. To accommodate an Airbus 320 or Boeing aircraft, the Airports Authority of India plan to extend the runway to the nearby island of Kalpati.

6. Ibrahim Nasir International Airport, Maldives:
The airport's runway serving Male, the capital of the Maldives, is encircled by water on all sides, making it one of the few airports in the world to occupy a full island. The entire airport scene is more like a breathtaking experience, with turquoise and emerald water bodies encompassing the airport.

7. Kuala Lumpur International Airport, Malaysia:
This airport is among the few who claim they are home to a jungle. A wooden boardwalk leads into a lush rainforest in the centre of the terminal, and there is even a waterfall along the way. The Malaysian flora is sure to spellbound travellers with its distinct charm.

As you read, these international airports are much more than just airports! These are fantastic ways for travellers to deepen their knowledge, boost excitement, and open wide exploration opportunities that assure a profound travel experience. Just as fun is an important element of a travel plan, similarly safety is an aspect that cannot be overlooked. Especially when travelling with family, it becomes more crucial to have comprehensive coverage of general insurance India to protect against any damage or loss incurred during travelling.

Click HERE to buy general 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.

One of the most significant decisions an individual makes while buying a car is the kind of gear transmission. This confusion between opting for an automatic or manual transmission is valid, as both have their list of advantages. But did you know this decision also predominantly affects the premium you pay for your motor insurance? Car insurance is an important factor when deciding on a vehicle. Here is some crucial information about car insurance before considering the type of transmission to buy.

Automatic transmission v/s Manual transmission
First and foremost, knowing the difference between automatic and manual cars is essential. Manual cars require more driver input than automatic cars. Manual cars have five to six gears and one reverse gear, which the driver must manually operate with a gear stick and clutch. This is to enable the car to move forward or backward.

Under normal driving conditions, a car with automatic transmission requires little to no driver input to change its gears equipped with the ever-evolving ECU (Electronic Control Unit). It is a smooth and enjoyable experience.

Some people prefer manual cars as they are more fuel-effective and cheaper, giving the driver a budget-friendly output. But these days, with the growing traffic and difficulty in driving, many individuals have started preferring automatic transmission cars.

Another factor to consider when weighing the pros and cons of the matter is that the insurance premium of an automatic car is slightly higher than a manual car premium. However, car premiums are affected by several other factors as well.

1. Complexity in structure
While manual transmission requires changing the gears by operating the gear stick, the automatic transmission uses an ECU. The ECU changes the gears intelligently using fluid pressure. This greatly simplifies the process of driving but complicates the gearbox. Since the repair and replacement cost of the transmission components is relatively high, the car premium is also higher. Therefore, the complexity of the gearbox is one of many factors affecting car premiums.

2. Location
People in metropolitan cities generally prefer automatic cars over manual cars, but manual transmission cars are a top choice in smaller towns.

Also, there were more cases of theft and accidents in larger cities. This affects car insurance premiums, as an automatic car would require more premium in a bigger city than in a smaller city, owing to the high risk of accidents and theft.

3. Cost of the car
The price of the vehicle and its components directly affects the insurance premium. As automatic cars are more costly in the market than manual car transmission options, it is reflected in the premium for your car insurance.

4. Factoring the model, age, and brand

The car's manufacturer, model, and features also count when deciding on the premium. Luxury cars' premiums will undoubtedly cost more than regular cars. Also, you may spot a difference in the car premium based on the multiple automatic variants of the cars. You need to acquaint yourself with the right knowledge while purchasing car insurance.

Once the decision of the type of gearbox is finalised, you can quickly proceed to plan your car insurance. One way to look at all options is to look at comprehensive car insurance online. Browse through various sites, compare policies, and find multiple offers. Purchase car insurance that fits your requirements and budget. Don't make any decisions in a hurry. Do proper research and then invest in the best.

Click HERE to know more about car insurance.

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

Indian insurance companies offer two types of bike insurance validity- single-year and multi-year bike insurance. As the name suggests, you have to renew single-year bike insurance annually. Multi-year bike insurance is valid for more than a year, usually for two, three or five years.

Both types of bike insurance have their advantages and disadvantages. Let us understand the difference between multi-year and single-year bike insurance.

1. Renewal and convenience:
A single-year bike insurance policy has to be renewed every year. You have to keep track of the policy's expiry date and get it renewed either online, through an agent, or paying at the insurance company's office directly.
A multi-year bike insurance policy has to be renewed after a much longer period, usually two or three years, and even up to five years. Hence, it provides a lot of ease and convenience as far as the hassles with renewal are concerned. You do not have to worry about the policy renewal date for long once you have renewed it for multiple years in one go. Such policies provide enhanced lapse protection cover because they do not lapse every year but after a couple of years or more.

2. Pricing:
Technically, the pricing between a single-year and multi-year bike insurance is proportionately similar. However, differences in pricing may arise because of the impact of inflation and the government's taxation policy.
Suppose the impact of inflation is high, and the economy is seeing an upward trend in the prices of commodities over a long period. In that case, the single-year bike insurance premium, too, is bound to go up at the time of renewal. Moreover, if the government increases the tax rate on the renewal premium, you will also have to pay more on account of taxes.
This is not the case with your multi-year bike insurance premium. You pay it in one go for several years at the current price rates. Hence, you are saved from experiencing any upward movement in insurance premiums because of inflation. Also, any increase in tax rates on insurance premiums will not affect you in the case of multi-year bike insurance.

3. No-claim bonus:
Your multi-year bike insurance policy provides you with a higher NCB discount rate than a Single-year insurance policy. This brings down your insurance premium significantly. However, please remember that every insurance company has its distinctive NCB calculation, and the NCB amount can vary from one insurer to another.

4. Insured Declared Value:
In the case of a single-year bike insurance policy, you can check and regulate the IDV of your vehicle every year at the time of renewal of the policy. Hence, you can pay a little more premium and enjoy a higher valuation of your bike.
But the IDV is fixed for the entire policy duration in the case of multi-year bike insurance. You cannot change it in the middle of the policy and may not be able to achieve the highest possible valuation of your bike in this case.

5. Financial burden:
The financial burden on any person is more in the case of multi-year bike insurance than single-year bike insurance. You have to pay the premium for several years in one go in the case of multi-year bike insurance. This may prove a bit harsh on your pocket, especially if you are already facing financial distress.

Single-year and multi-year bike insurance have their unique advantages and disadvantages. An easy going person who wants to stay free of the stress of renewal of the policy every year should opt for multi-year bike insurance. A person who wants to keep a check on add-ons and offers provided by their insurance company every year should opt for single-year bike insurance.

No matter which type of insurance you choose, opt for buying your bike insurance online and enjoy service, variety, and great discounts at your doorstep with simple clicks.

Click HERE to buy bike insurance online.

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

Wearable devices have become increasingly popular over the years and are changing how people interact with their health. These devices, such as smartwatches, fitness trackers, and other health monitoring gadgets, are worn on the body. They have sensors that collect and transmit data to a smartphone or a computer. The data collected can be used to track and monitor various aspects of health, including physical activity, heart rate, blood pressure, and even sleep patterns.

Health insurance providers have recently begun incorporating wearable technology into their policies. This integration has led to innovative insurance plans that reward policyholders for maintaining healthy lifestyles. Wearable technology is making health insurance more personalised and data-driven. The data collected from these devices can be used to determine premiums, offer discounts, and develop wellness programs tailored to the individual policyholder.

Wondering how the wearables can make your health insurance cheaper? This blog will provide more insights into the topics.

1. Incentivising healthy behaviour
Wearable technology can track an individual's physical activity, heart rate, and other biometric data. Insurance providers can use this data to incentivise policyholders to engage in healthy behaviours. For example, policyholders who reach specific health goals, such as achieving a target step count, can receive discounts on their premiums. This incentivises policyholders to maintain a healthy lifestyle, leading to lower healthcare costs and reduced insurance premiums.

2. Accurate risk assessment
Wearable technology can provide insurance providers with accurate and real-time data on a policyholder's health. This data can be used to assess the risk of chronic diseases and other health adversities. Policyholders can avoid expensive medical procedures by addressing health issues before they become chronic, reducing healthcare costs, and lowering insurance premiums.

Wearables provide insurers with a wealth of data that can be used to create more personalised coverage for policyholders. Insurers can use this data to identify potential health risks and offer targeted coverage for these conditions. For example, a policyholder who has high blood pressure may be provided coverage that includes more frequent check-ups or medication management.

3. Improved disease management
Wearable technology can also help policyholders manage chronic conditions. For example, a wearable device can track blood sugar levels in individuals with diabetes. Insurance providers can use this data to develop personalised treatment plans and monitor a policyholder's progress. Policyholders can avoid costly hospitalisations and emergency room visits by managing chronic conditions more effectively.

4. Reduced fraud and welcoming exciting offers
Wearable devices track a policyholder's physical activity, heart rate, and other biometric data. Insurance providers can use this data to verify a policyholder's claims and ensure no scope for fraud. A significant benefit of wearing wearables for health insurance is lower premiums. Insurers can offer discounts or rewards for meeting specific health goals or participating in wellness programs. This not only benefits policyholders but also encourages them to lead healthier lifestyles.

Wearables have revolutionised the healthcare industry, allowing for more personalised and data-driven healthcare services. The integration of wearables in health insurance programs has made it possible for insurers to understand their policyholders' health better, leading to better risk assessment and lower premiums.

With technological advancement, we expect to see more innovations in the healthcare industry, and wearables will undoubtedly play a significant role in improving health insurance programs for all. Explore all available options and choose the health insurance that caters to your needs optimally.

Click HERE to learn more about the benefits of purchasing health 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.

If you've driven a car with manual steering, you must know how difficult it can be. Power steering is an advanced mechanical device fitted in your vehicle that helps you turn the steering wheels effortlessly.

But very few car drivers know the significance of warning lights appearing on the dashboard. When the warning light for the power steering system in your automobile comes on, you should be concerned since that usually means the power steering system is broken, making it extremely difficult to drive the vehicle.

What turns on the power steering light?

Low fluid level is the most frequent cause of the power steering warning light for vehicles with hydraulic power steering. A leak in one of the tubes can be a primary reason. When your power steering light turns on while driving, it'll be wise to slow down and park your car safely. Just be extremely careful because your steering will be considerably heavier at this point.

Open the bonnet to find the reservoir for the steering wheel fluid. There might be a picture of a steering wheel on the reservoir cap. If not, refer to your owner's manual to locate it.

Examine the liquid level. Before continuing your journey, you should top off the reservoir if it appears to be getting low. If you likely don't have any, visit your neighbourhood car service centre to buy some.

Start your engine after topping off the power steering fluid. You may continue travelling if the warning light doesn't turn on again. If the power steering light is still on, there may be a more significant issue. You should get your vehicle checked at a nearby garage or service centre to inspect the actual problem.

What if an EPS light appears?

Cars without hydraulic power steering will activate the EPS system, which stands for electronic power steering. If your car's EPS warning light glows, diagnosing the problem could be more difficult because there won't be any fluid levels to examine. You should carefully check all the connections to the battery for signs of wear or damage because a problem with the battery or alternator could sometimes cause it.

You may also have a problem with the EPS light if you recently had to jumpstart your car or take the battery out. Sometimes you might resolve the issue by turning your car on and off again. Even if this works, you should still have your car checked at a service centre because there might be a deeper problem.

Driving while the power steering light is on, is it safe?

It won't be simple because turning will be more challenging, and steering will be heavier. Accidents will also be far more likely because it will be nearly impossible to react to situations at higher speeds. If the light turns on while you're driving, it'll be better to inspect your car in a secure location before heading further.

Either way, the steering wheel warning light could mean something is wrong with your power steering system. It would help if you had a trained mechanic checking your car to address the issue.

Car insurance can financially aid you if the damage is severe and requires high repair costs. Every car insurance policy has an annual renewal period. Policyholders must do their renewal promptly to continue using the vehicle insurance services. If they fail, their policy coverage may lapse, and they may lose all the benefits and policy coverage. Always look out for updates in the car insurance price in India and plan your policy renewal accordingly.

Click HERE to buy a comprehensive car insurance policy.

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 motorcycle rider, ensuring your bike's safety is paramount. One critical aspect of ensuring safety has the proper tyre set on your bike. The tyres play a significant role in the overall performance and handling of the motorcycle.

In this blog post, we will share some tips on what to remember when buying motorcycle tyres, including the importance of having 2 wheeler insurance online for additional safety. Keep these tips in mind when buying motorcycle tyres. So, without any further delay, let's get started!

1. Choose the right size
When it comes to buying motorcycle tyres, size matters. Ensure you get the right size of tyres for your bike to ensure maximum safety and performance. The size of the tyre is indicated on the sidewall of the tyre and will include information such as the width, aspect ratio, and rim size.

Choosing the right size will provide better handling and stability, especially at high speeds. It is important to note that changing the size of the tyres from the manufacturer's recommended size can adversely affect the bike's performance.

2. Consider the type of tyre
Different types of tyres are designed to perform in different ways. The two main types of tyres are bias-ply and radial tyres. Bias-ply tyres are made with a layered construction of nylon and rubber, providing better durability. In contrast, radial tyres have a steel belt construction, providing better handling and performance at higher speeds.

The type of tyre you choose will depend on your riding style and conditions. For example, if you ride in wet conditions, you may consider getting tyres with better grip and water dispersal capabilities.

3. Check the tyre tread
The tread on the tyre is vital in providing traction and grip on the road. It is essential to check the tread depth regularly and replace the tyres when the tread is worn out. A worn-out tread reduces the tyre's grip on the road, making it more prone to slipping and sliding.

When checking the tread depth, ensure it meets the minimum legal requirements. In India, the legal limit for tyre tread depth is 1.6mm. However, tyres with a tread depth of 3mm are recommended to ensure maximum safety.

4. Consider the brand and quality
When buying motorcycle tyres, it's essential to consider the brand reputation and quality. Opt for trusted brands that are known for producing high-quality tyres. Quality tyres ensure better performance and a longer lifespan, saving you more money in the long run.

5. Check the load and speed ratings
Before purchasing motorcycle tyres, checking the load and speed ratings is crucial. These ratings indicate the maximum load capacity and speed the tyre can handle. Ensure you choose tyres matching your motorcycle's load and speed requirements for optimal performance and safety.

6. Don't compromise on safety for price
While staying within your budget is essential, it's equally important not to compromise on safety for price. Cheap tyres may seem cost-effective, but they often lack the grip and durability for safe riding. Invest in quality tyres designed to provide maximum safety on the road.

Buying the right motorcycle tyres ensures a safe and comfortable ride. Remember the tips mentioned above when purchasing. In addition to purchasing high-quality motorcycle tyres, you must protect yourself and your bike with 2 wheeler insurance online which can cover damages caused by accidents, theft, and natural disasters. It's a wise investment that can give you peace of mind while riding your motorcycle.

Click HERE to learn more about the benefits of purchasing 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.

Buying a car is a significant investment for most Indians. It is a dream that cultivates in the minds of the young and is seen as no less than a requirement alongside essentials like a home. After such heavy capital expenditure, it becomes a necessity for every car owner to maintain their vehicle diligently. This may be through careful use, regular servicing, and availing of online car insurance renewal facilities.

Regular exterior maintenance of the car is required to keep it shiny and in good working condition. But what about the interiors? Daily car users face the common issue of stinking interiors for various reasons. Consistent negligence can make your car smell terrible, resulting in an unpleasant driving experience.

How can you overcome this problem? Use these simple methods to ensure that your car smells good.

1. Use baking soda and vacuum frequently
Routine vacuuming your automobile can help keep your car clean, look appealing, and lessen odours. If smells are very potent or persistent, sprinkle the baking soda on the stinking area. Let the surface dry for some time, then vacuum the baking powder.

2. Fabric fresheners and dryer sheets
To refresh the air, hang some dryer sheets on the air conditioner's vents. The sheets will serve as a deodoriser for the vehicle. They will last longer than typical vehicle fresheners when placed on A/C vents. Alternatively, you can create air fresheners by placing deodoriser pods in mesh bags or mason jars with holes in the lid.

3. Freshen up your floor mats
Another spot that may be challenging to maintain is the floor mats, particularly if you have children or dogs. The easiest way to keep the mats fresh is to frequently vacuum them and use baking soda or a carpet refresher to absorb odours.

An alternate choice is a car air freshener, which typically has a pleasant perfume to cover up any odours in your car. However, it may not be the best option if you're attempting to avoid drawing more dust particles in your vehicle. You should also consider installing a charcoal air filter to defend against the stench.

4. Coffee beans
Coffee beans are one of the most potent fragrances for a vehicle freshener. Place some beans in a tiny paper bag, sock, or small mesh bag under the seats. You may also use ground coffee, but do it in stable containers, such as a salt shaker, so you won't need additional cleaning in case they spill. Position it in a regular location, such as the cup holder.

5. Essential oils
A drop or two of essential oils can make your vehicle smell magical. Put this on the console for immediate car aromatherapy if you already have a diffuser. You can utilise variations such as peppermint to prevent nausea or motion sickness when you have sensitive passengers.

6. Diluted shampoo spritz
Avoid washing your dashboard or doors with chemicals that contain alcohol or ammonia, as these might damage the materials. Instead, use a spray bottle to apply a 4-to-1 diluted solution of warm water and mild shampoo on a soft microfiber cloth.

Proper upkeep and accessories are essential for maintaining the appeal of your vehicle, whether it is new or used. Unpleasant odours can be challenging and embarrassing if left to persist for long periods. Like the exteriors, your leather seats and sophisticated cabin interiors deserve appropriate care. Similar to online car insurance renewal services that prevent the burden of potential mishaps, we recommend regular cleaning and using air fresheners to prevent stale air and stenches inside the car cabin.

Click HERE to know more about car 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.

Cars are becoming trendier and feature-rich day by day, and the young generation is not satisfied by owning just one car. The craze for cars is ever-increasing, with multiple cars in every household becoming a common sight. The demand for car loans has seen a robust increase in the last few years, thanks to easy EMIs or monthly installments.

Generally, a car loan is available for a flexible tenure, and technically, the bank or financer remains the vehicle owner until the entire loan is paid back.

What is Hypothecation of a car?
Hypothecation is pledging any asset, such as a car, as collateral with a bank or a financial institution in exchange for a loan. When you take a loan from a financial institution to buy a car, you hypothecate your vehicle as collateral or security with that financial institution in exchange for the loan it provides. There is no transfer of title to the bank, and you continue to be the actual owner of the car.
However, the bank will have the right to take your car from you if you miss the EMI payment schedule and fail to pay the loan amount back to the bank. When we hypothecate our car with the bank, it gets mentioned in our vehicle RC (Registration Certificate) and car insurance policy.

How to eliminate hypothecation?

1. Pay off the car loan:
The first step in removing the hypothecation is to pay off the entire loan amount and not just a part of it.

2. Approach your bank:
Once you have paid the car loan amount in full, approach your lending bank and inform it about the same. It will check and issue you a NOC (No-Objection certificate) certifying that you have paid off the loan amount.

3. Go to the RTO:
You must submit the NOC to your concerned RTO (Regional Transport Office). You will also have to submit your car's original RC (Registration Certificate) along with a few other documents, such as your current insurance policy papers and No-pollution certificate.

4. Removal of hypothecation from the RC:
The RTO will then remove the hypothecation clause of your car from the original RC and issue you a new RC. This process usually takes around 5-7 working days.

5. Removal of hypothecation from the insurance policy:
You have to submit the NOC from your bank to the insurance company and terminate the hypothecation clause from your motor insurance India policy.

Why do we need to terminate the hypothecation of our car?
It is very important to terminate the hypothecation of your car once you have repaid your car loan in full. Till the time it is mentioned in your car RC that it is hypothecated to a so-and-so bank, you are not the true owner of the car in the real sense. Your car is still acting as collateral with that bank.

This implies that you cannot sell your car until and unless you remove the hypothecation clause from your RC and insurance policy. Taking a car loan to buy your dream car is a good option as it removes the burden of paying the full amount of the car in one go. You can easily pay some down payment and the rest of the amount in EMIs.

But just buying a car is not enough. You must also have a valid motor insurance India policy as long as you own the car. The motor insurance law in India makes it compulsory. Also, you have to renew it every year. This will ensure your car is protected and secure under your insurance service provider, and you can relax and stay tension-free.

Click HERE to buy motor insurance India.

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

Suppose a bike owner plans to sell his bike or move with the bike to a new city. In this case, a NOC, or no objection certificate, is required to avoid legal issues.

A letter known as a NOC, or No Objection Certificate, must be issued to sell your bike. Even if you are relocating to a new city, a NOC must be given to register your bike in the new location. The NOC is also required if a sold bike is to be registered in the name of the new owner.

How is NOC applied for a bike?

You must, under government regulation, receive a NOC from the RTO to validate your deregistration from that RTO. Without further ado, let's discuss the process for requesting a NOC certificate for a bike.

Here is a step-by-step instruction sheet for requesting a NOC for a bike when crossing state boundaries and intending to stay there for more than a year:

● To obtain a NOC, prepare an application and send it to the transport bureau in your area

● Fill up Forms 27 and 28 correctly, then submit them to the RTO

● If your vehicle was purchased using a loan or EMIs, get a NOC from the lender

You can expedite the procedure by obtaining NOC from the traffic department and your local police station in addition to following these steps.

You must submit an application letter explaining your relocation plans and supporting documentation to your financier or bank to get their no-objection certificate (NOC). These could be an appointment letter, a job transfer letter, housing documentation for the new location, etc.

What factors are to be considered while applying NOC for a bike?

For a hassle-free process, consider the following aspects before you apply for the NOC for your bike:

● Authenticate the copies of the insurance policy and registration document for the bike

● Verify that the road tax is fully paid

● Ensure all of your information is accurate, especially the information in the application, along with the updated address

● Submit all corroborating documentation

● Make sure you have the confirmation of payment for the NOC application cost received through the Vahan Citizen Services website

Documents required to get NOC for a bike.

The following list of documents must be sent to the RTO to obtain bike re-registration or transfer bike ownership:

● Motorcycle registration certificate

● Form 28

● Bike insurance copy

● Road tax receipt

● Certification for pollution control (PUC)

● Numbers for your bike's engine and chassis

● Signature recognition

The following documents are required if you want to obtain a NOC from the bank:

● The loan documents

● Bike registration document

● Other documents that the bank may request

The NOC is, therefore, a legally required document that must be obtained for various reasons when dealing with bikes. Along with the NOC, don't forget to buy bike insurance online to safeguard your valuable asset when you move to another state. Buying a robust insurance policy online will help you enjoy several features and financial benefits that can aid you in recovering from loss due to damages.

Click HERE to buy bike insurance online and get exciting benefits.

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.

Physical exercise is one of the basic requirements for a healthy and functional body. A few minutes of physical exercise, when combined with a balanced lifestyle, can give tremendous results to keep your body in the best shape.

It would be best if you also take a balanced diet to maintain all the nutrients and vitamins in your body. Also, try practising mindful activities like yoga and meditation regularly can be a good booster for your mental health. Physical exercises can range from walking, swimming, jogging, and cycling, to trekking and even rope jumping.

Jumping rope is one of the easiest and most convenient ways to lose extra calories and stay physically active. If you're a beginner at jumping rope, this article is just for you. We will cover all the essential points that should be kept in mind before you start jumping rope at home. It is a brisk and healthy exercise for your mind and body.

Let's look at the basic requirements for jumping rope at home without further ado.

1. Choose the best rope:
You must choose a comfortable, lengthy, and sturdy rope for your exercise. For beginners, a light weighted rope with comfortable foam grips is highly durable and flexible.

2. Pick a suitable surface:
If you want a comfortable surface for jumping rope, you should choose a mat or a smooth indoor surface. If it still does not work for you, please go outdoors and find hardwood floors if possible.

3. Start with basic jumps:
Start by learning to hold the rope properly. Do not grip the rope too tightly. Make sure you hold it loosely with your fingers instead of your palms. With a loose grip, the rope will turn quickly and steadily without any extra effort from your side. Make sure to hold the rope close to your body for a rhythmic spin.

4. Focus on movements:
After you have mastered your grip, you should focus on the movements of your body. You can start by placing the rope behind you. Turn it over your head and catch it under your feet. Make sure that you practise it until you've mastered it. Keep pushing yourself till you perfect the skill.

5. Keep on practising:
Although it may look complex, you should take the first step and do it. Be very gentle with yourself. Do it slowly as you get a grip on the process. Start with five jumps and increase the counts every day. Try to beat your record every day and reward yourself with positive affirmations.

Mistakes to avoid.

The things that you should avoid when you jump rope are:

● Do not jump too high:
It is one of the most frequently committed mistakes by beginners. If you think jumping too high will reduce more calories, you're wrong. On the contrary, it puts you at risk of developing a sprain. You do not have to take giant leaps, but you can jump just some inch off the ground.

● Not jumping upright:
It is always recommended to jump upright or in an erect position. Do not jump with a hunched back. If you hunch your shoulders, the jump will not be proper, and you can also develop a bad body posture. Later, you may also experience back pain.

These things should be considered before you commit to jumping rope at home. It would help if you were very careful when starting a new physical exercise. Make sure that your body is comfortable with the exercise. Regardless, opt for the best personal accident insurance policy in India to avoid problems later.

Click HERE to purchase the best personal accident insurance policy 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.

Riding a motorcycle offers an adrenaline thrill that no other commute mode can provide. Commonly associated with feelings of freedom and adventure, motorcyclists often experience euphoric joy while steering their ride. However, the biggest concern with riding bikes is the safety features that can protect the riders in an accident. Despite manufacturers constantly rolling out new features that enhance rider protection, one must use other modes to ensure safety, including two wheeler insurance India.

Among all the bike categories, the cruiser bikes market share in India is significantly increasing. These incredibly stylish bikes are equipped with cutting-edge technology like infotainment, navigation, and many other features.

Here are some standard features to expect when purchasing a cruiser motorcycle.

1. Seat height
The most challenging issue that beginners have with two-wheelers is maintaining balance. Sitting upright in a relaxed position is critical to stabilising the bike. If your balance falters, you can place your feet on the ground to regain control over the motorcycle. For this purpose, low seat height is essential for easy ground access.

2. Comfort-centric riding ergonomics
The rider’s posture is crucial to ensure proper balance and prevent accidents. Sports or commuter bikes allow room for tense posture that can harm the rider in the long run. Cruisers have a design that facilitates a relaxed sitting stance on an amply cushioned seat. This promotes good riding posture and makes for comfortable long-distance rides.

3. Sound engine
Cruisers are often considered to have low-power engines that offer inefficient acceleration. However, they are not far behind the power and capacity of commuter bikes. While you cannot expect the high speeds that sports bikes offer, cruisers provide adequate power for both short rides and long highway adventure trips.

4. Comfortable pegs
Most motorcycle designs leave riders with insufficient space to position their feet, resulting in uncomfortable long rides. The peg positioning in cruisers allows stretching of the legs compared to the normal riding posture in commuter bikes. You do not require additional highway footpegs to increase room for efficient leg positioning. Ensure you take a test ride on the bike before purchasing to get used to the positioning. Ideally, your midfoot should rest on the pegs. Your knees do not cross the peg, thereby preventing muscle strain.

5. Storage saddlebags
For frequent riders, it is inevitable to travel with baggage. Cruisers come with additional storage space in the form of saddlebags and extra luggage capacity in the rear. This greatly helps reduce distractions while riding. The bike’s build also allows greater room to attach other travel accessories, making for a great long-distance ride.

6. Chassis weight
Cruisers often have a heavy design that weighs them down, requiring riders to have adequate physical build to manage the bike's weight. This is a boon and bane. Positively, it slows down the vehicle and minimises the risk of accidents, but as a con, it requires additional effort to manoeuvre the bike single-handedly. However, this makes it among the safest bikes to ride. Supplementing it with two wheeler insurance India goes a long way in amping up the rider's protection.

Before purchasing a cruiser, ensure to go on a test ride to evaluate its weight and your ability to manage it.

Careful evaluation of a bike's mechanical features and safety provisions is necessary irrespective of its type. While beginners may find cruisers comfortable, safe, and suitable for long rides, one must always purchase two wheeler insurance India to stay protected against the allied financial costs of accidents.

Two wheeler insurance India is a mandatory requirement that ensures financial protection against accidents that every bike owner must prioritise.

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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.

A fracture brings pain and many inconveniences while performing your daily routine tasks. You have to start doing things differently and take help from others to finish your work. A fracture is different from a regular cold or fever, which is cured in just a few days. A normal fracture takes at least 20-25 days to heal, and more complex ones can take several months before you return to normal routine.

Hence, a fracture can be very troublesome if you do not handle it properly. Here are the best tips to do daily tasks conveniently after a fracture.

1. Simplify your daily tasks:
The first thing you should do after suffering from a fracture is to simplify your daily tasks. For example, cooking yourself may mean standing for long hours in the kitchen. It will put undue pressure on your broken bone and slow the healing process. Take help from other family members or your maid in cooking to ease the work. If you are the sole cook, you can start ordering more online for the first few days. You can also buy packed and frozen food and avoid cooking much for a few days.
Similarly, opt for a shower rather than using a bucket for taking a bath. You should use a non-slip mat in your bathroom to avoid slipping and hurting yourself again. You can use a bathing chair if it is comfortable for you. Buy a sponge with a long handle, so it becomes easy for you to scrub your feet and back.

2. Avoid driving:
Do not drive yourself, even if you can, as it will pressure your broken bone. Take a driver, go with a friend, or book a cab to your destination if it is important. Also, opt for “work from home” for a few days rather than going to your office.

3. Dressing-up:
Wear comfortable and loose clothes after a fracture so that it is convenient for you to dress up or change. You can get velcro stitched over the buttons of your shirt if you cannot open or close buttons with your fingers. Opt for elastic in your pants or jeans. Buy a shoehorn with a long handle so that you can wear your shoe without bending much. Also, do not wear heels or uncomfortable shoes to minimise the chances of falling over.

4. Declutter:
To make it convenient, you need to declutter your house and working area after a fracture. You can move furniture on the sides to get a wide walking area. This will help you move easily and also minimise the chances of accidents. Light up your house properly, so you do not trip over things in your way. Proper lighting is essential if you need to wake up at night and move around.

If possible, you can move to the ground floor for a few days to avoid climbing stairs. Do not sleep on a very low bed, as it can be uncomfortable for you to get into the bed. If your fracture takes a long time to heal, you can install handrails near your bed, bathroom, and stairs and hold them for added support.

A fracture is undoubtedly painful and causes a lot of inconvenience to you. It derails your daily life and makes you dependent upon others. Personal accident insurance is crucial for you in such situations. It will provide you with financial protection and security in case of injuries and partial or total disability arising due to accidents. Hence, go for the best personal accident insurance India and secure yourself and your dependents in case of any unfortunate event.

Click HERE to invest in the best personal accident 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.