GENERAL INSURANCE BLOG

Have you ever felt bored of your mundane daily routine and wanted a much-needed break? Overlanding helps you get away from all the stress of your work and refresh your mind and body, boosting the state of your mental health. It is a travel experience that focuses on a scenic destination away from the bustling city life. With this, you will get the chance to be closer to nature and give your body the rest it deserves.

Let's understand the tips that will make your overlanding trip memorable.

1. Plan well before you go:
You must decide on an adventurous overlanding route through the pleasant countryside and remote destinations. Do deep research about the destination, consider the weather predictions, and ensure favourable camping conditions. To avoid heavy traffic, accidents, or mishaps, you should know what particular amendments your car requires to suit the terrain.

2. Have basic survival skills:
Despite planning efficiently, mishaps occur, and you need to be prepared for any scenario. You might get minor scars or bruises while on the adventure, so carry a basic first aid kit to ensure you can treat minor wounds to avoid any infection. You might get stranded in an unfamiliar area, so it is always advisable to carry maps of surrounding regions in digital and physical forms. You should be capable of changing a tire in case of a flat tire. Adjust to the different weather conditions as your journey progresses.

3. Budget according to your needs:
Overlanding is a cost-effective travel experience. However, you might need to allocate your daily budget based on your needs. You can take inspiration from travel bloggers/vloggers and use similar tactics, or you can carry more resources to satisfy your needs. You should take into consideration your food, vehicle maintenance, and living expenses such as mobile connectivity. Save more by cooking food yourself and camping instead of staying in overpriced hotel rooms.

4. Comfortable dressing:
Wear clothes that are comfortable to be in for long durations. Pack appropriate attire for your activities and make sure it is compact. You can hand wash your clothes or use laundry rooms on your stops to clean and dry your clothes. It is also advisable to wear a roomy pair of good shoes that grip any terrain.

5. Carry essential equipment:
Carry equipment that protects you from excessive cold, wind, and rain, such as umbrellas, raincoats, jackets, gloves, and earmuffs. Emergency dry, nutritional snacks and bottled water should be a part of your travel inventory. Additional tools such as flashlights, fire extinguishers, and gas always make your trip must also be part of your travel checklist.

6. Take precautionary measures:
Safety is an aspect that you can never compromise with when planning an Overlanding trip, especially if you're travelling solo. During the journey, it's just your car and you who are for each other. So, keep spare wheels that fit your vehicle in case of a flat tyre. As roads are a package of undesired events, it is always advisable to get car insurance so that you return with good memories and no financial worries. Opt for online car insurance if you haven't bought one, hit that road less travelled and enjoy that overlanding adventure of a lifetime!

Overlanding journeys expose you to pure and unaltered experiences and introduce you to life in a way you might not have thought of. These trips also boost your self-growth as you learn to make arrangements to sustain yourself in any situation.

Click HERE to know more details about car insurance before you set on a trip.

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

Clear vision is critical for safe driving because it accounts for over 90% of our driving reaction time. Unfortunately, our eyesight changes dramatically at night, and we lose a significant amount of depth perception, colour vision, and peripheral vision. After dusk, the glare of oncoming traffic obstructs our eyesight even more.

As a result of this momentary blindness, accidents are bound to occur. Here, we bring some handy tips to reduce high beam glare problems while driving at night. However, remember that investing in a motor insurance policy is of utmost importance for all vehicle owners as it provides total protection against physical damage or loss due to natural or artificial disasters. Therefore, before stepping out, check your online motor insurance renewal and keep your documents in order.

Now, check these helpful tips to reduce high beam glare problems while driving at night.

1. Anti-glare glasses:
Examine your vision regularly. Ask your optician about no-glare corrective lenses if you wear prescription glasses. Check your glasses for scratches, which can exacerbate glare. Also, exposure to glare while day driving can hamper your vision at night. Wear polarised sunglasses throughout the day to protect your eyes and lower the possibilities of vision impairment while driving at night.

2. Spotless windshields and other glass surfaces:
During the day, a dirty windshield may not be apparent, but it might produce glare at night. Refraction of light and distorted vision on the road can occur due to the glass's streaks. Clean the inside of the windshield, as plastic compounds can accumulate on the glass over time. Remove the filth and oxidised rubber from the edge of the wiper blades with a paper towel and windshield washer fluid to help keep streaks at bay.

3. Position the car mirrors:
The placement of a car's mirrors can help control the intense glare and avoid blind spots to get an accurate judgement of vehicles approaching from both sides. Change the "night" setting on your rearview mirror with the lever on the mirror. Cars' lights will still be visible behind you, but they will be much dimmer.

4. Don't look straight, look right:
Avoid being blinded by high beams that hit you square in the face by looking down the right side of the road. Concentrate on the lane's edge or the painted edge line until the automobile passes. At hilltops, at curves, and crossroads, be mindful of oncoming vehicles' unexpected bursts of light.

5. Take a break:
If you're driving at night for an extended amount of time, take frequent stops. Taking a break relieves fatigue and allows your eyes to recover.

6. Be conscious:
Take basic precautions to avoid blinding other motorists. To begin, make careful use of your high beams. Use your low headlights most of the time and high beams only when essential. Slow down and make sure you have control of your vehicle if another driver uses high beams and fails to dim the lights as you approach.

These tips can assist in driving in the dark without being blinded by other vehicles' headlights. Shield your car with online motor insurance renewal against any such automobile accidents.

Click HERE to do your online motor insurance renewal in easy steps.

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.

Transportation is one of the essential parts of our day-to-day lives. Whether it is for commercial purposes or personal use, vehicles have turned out like our favourite support. Legally, the law doesn't allow the use of personal vehicles for commercial purposes. However, a recent announcement shows that private car owners can use their vehicles for commercial transport and work purposes under some provisions.

The use of the private vehicle as commercial makes the transport 30% cheaper. You must be wondering whether to use the personal vehicle for commercial use or not? And if yes, then how?

As you read this blog, you will find the best tips to use your vehicle for commercial purposes.

1. Know everything about licensing: Before the government imposed rules on vehicles, there were only two categories of license: transport and non-transport. However, the same license is now allowed to drive two or more different vehicles, considered only if both are LVMs (light motor vehicles). So, before assigning your personal vehicle for work purposes, it is crucial to understand the licensing method.

2. Type of your commercial usage: You may introduce your private vehicle to commercial use in several ways. Converting it into a taxi is the most common method. Apart from taxis, convertible trucks / tempos, school buses, minivans for goods transportation are quite popular. In the case of two-wheelers, the same license is allowed, with the permission / allowance to operate as public transport. You can also use it for exporting or importing goods.

3. Know about taxation/laws: According to the motor vehicle act, vehicles should be given rights and respective licenses according to their class and not the type of vehicle. This rule made it convenient for private vehicles to be used for commercial purposes. As of now, there are no separate endorsement/taxes charged on it.
Initially, you need to follow the conversion process to convert the vehicle into a commercial one. Do it with the valid registration number and by filling a form named "Conversion of Vehicle". You can find all the details about the same on the RTO website. Do some research at your end, or you may even ask expert personnel to make the entire process smooth.

4. Be thorough with the insurance policy: When you run a private vehicle as a commercial, the insurance policy may differ. For example, the usual car insurance may not remain the same when you use your car as a taxi or for other business purposes. You can confirm the details and changes in the car insurance policy from your insurance company.
Also, don't forget to use the appropriate number plate after the conversion of the vehicle.

Just like private vehicles benefit from insurance and other rights, commercial policies also provide the same vigilant coverage. Enforcement of legalities by the authorities has become easy now. Dissolved licensing and flexible transportation rules are encouraging steps for the people who want to convert their vehicles for commercial purposes.

So, if you wish to expand your business or provide your vehicle as a transportation fleet to other companies, these tips can help you understand it better. Remember, holding good car insurance and the appropriate license is the key to driving vehicles' safety and successful conversion.

Click HERE to get the best deals on 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.

How often have you heard people complaining about their bad posture? Many of us have been subjected to remarks about our lousy posture. Poor posture has the notion of signifying timidity, insecurity, and lack of confidence. But, it can get more concerning than these behavioural issues.

Improper posture may have adverse long-term health effects. It can result in reduced circulation, consistent back pain, fallen shoulders, and weakness of joints. Are you already observing such issues due to your poor posture? Fret not, as you can fix most posture-related problems with regular exercise, mindful use of gadgets, and occasional hospital visits.

If you are looking for ways to rectify your back alignment, this article will help you regain the correct posture to make you feel confident and healthy again!

1. The correct way to sit and stand:

People often neglect their posture in everyday activities such as standing, sitting, or sleeping. While it is difficult to keep track of your posture constantly, it becomes significantly easy over time. While standing, focus on keeping your legs flat on the floor, shoulders wide apart, and head upward.
This ensures that your calf, back, and neck are relaxed. Tensed muscles can have several long-term implications, such as sprains, torn ligaments, etc. Similarly, keep your back straight, your legs flat on the floor, and your arms resting on the table while sitting.

2. Proper exercises:

Exercises such as bridges, planks, hip stretch, etc., are easy and effective choices to realign your postural alignment. A trainer or expert can guide you to practice the correct postures.
Maintaining the wrong form while exercising can lead to muscle soreness. Be careful and avoid the issue from becoming more problematic for you.

3. Consult a chiropractor:

A chiropractor is an expert trained to help you with improper alignment, knots, and other ailments. People are subjected to excessive strains due to long working hours or intense workouts. These strains can severely affect the body's functioning and daily activities. A chiropractor exercises spinal manipulations to soothe affected areas. This helps in relaxing the muscles and avoiding any serious injuries.

4. Identifying the signs:

Headaches, joint pains, restricted motion, and shooting pains indicate incorrect posture. Sometimes, these issues can result from a particular activity done during the day, such as lifting heavy weights, sitting for long hours, uncomfortable travel, etc.
Stretching and using hot water bags in these situations can help relieve the soreness. If the pain persists, it is time to visit your doctor.

5. Movement is necessary:

Sitting in one place continuously for hours can severely affect the lower back and shoulder. Make sure to leave your seat every hour to give your body some movement. Stretching your legs, arms, and back also proves effective in such situations.

6. Invest in posture-friendly equipment:

Everything starting from the mattress we sleep in, the shoes we wear, the chair, the car seats, etc., heavily determines a significant part of our postural alignment.
Hence, it is vital to choose these things after careful consideration. Buy shoes with good cushioning to avoid straining your heels and calf muscles. Ensure to flip your mattress every six months, and switch it up for a new one every six to eight years. If you feel discomfort in your office chair, notify the people in charge or invest in a comfortable cushion.

These are a few ways to overcome lousy posture and misalignment. Regular exercising, good eating habits, and ample sleep are a few things that you should never compromise on. You must undergo routine checkups to recognise any latent issues your body might face and fix them soon.

Getting health insurance is an intelligent way to avoid extra expenses you might incur during treatments and checkups. Do not forget to look into the best health insurance in India for further assistance with your insurance needs. It can be the best aid for you during emergencies.

Click HERE to know more about 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.

Today, it's no longer necessary to use drum brakes on commuter bikes. As technology has advanced, they've become unnecessary for the two-wheelers. Drum brakes operate by squeezing shoes against a lining in the drum itself; this causes friction and stops your bike. They become less effective as they heat up, so they're not ideal for biking over long distances.

To stay safe while biking, it's essential to have a bike with an anti-lock braking system. If your bike doesn't have ABS, you're putting yourself in danger. With cars, it's been a safety feature for years. And now, bike riders can enjoy the security of it too. However, safety is incomplete without ideal two-wheeler insurance that provides the best damage cover. Make the buying process hassle-free by opting for two-wheeler insurance online. Browse through numerous options, and then buy one that fits your needs.

What is ABS, and how does it work?
An anti-locking braking system (ABS) is a system that helps you avoid skidding on slippery surfaces, with its ability to stop wheels from locking up. It's a great way to add safety to your bike journeys.
ABS is the latest generation of motorcycle braking systems. It can avoid the sudden locking of wheels in all types of road conditions and terrains. ABS is a safety system that forces fluid through a circuit of valves and pipes to prevent the wheel from locking up while braking in hazardous conditions.

Importance of ABS in Bikes
Your car's brakes should always be at peak performance, whether you have ABS or not. There are several benefits of having ABS, the main ones being:

• The advanced traction control technology is effective because it improves traction on the road. That's why you can now find it in new auto models. It also helps you avoid slipping and sliding.

• Anti-lock braking systems are essential for slowing down in every type of weather. For example, these systems are crucial when the road is wet after a rainstorm. They prevent wheel lockups by pumping brake fluid to the brakes to control the speed of your bike. These systems can save lives because they allow riders to stay in control of their bikes.

• An excellent anti-lock braking system will increase the resale value of your bike. However, remember that ABS is standard on most modern cars or bikes, so not having one could lower the potential resale value of the vehicle.

• Anti-lock brakes are an investment that can reduce the risk of accidents. So, if you have ABS installed on your vehicle, you might get better insurance rates. Check your 2 wheeler insurance online policy for your bike with ABS.

The government made the Anti-Lock Braking System mandatory for all four and two-wheelers manufactured in the country. This is an important step towards improving road safety for commuters and lowering road accidents. With the Anti-Lock Braking System, your safety and riding experience certainly gains significance.

Click HERE to buy the best 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.

Do you want to break a bad habit? You probably should. According to one research, nearly 40% of the "decisions" we make aren't decisions. It's a matter of habit. We do what we've always done, making us less productive, efficient, healthy and fit. In other words, less in everything than we could be.

So, what can be done to change an old bad habit and adopt a better one? The 21/90 rule helps you to overcome that. The 21/90 formula is a simple approach that can help you reach your predetermined goals if followed and challenged for a few days. According to the method, if you can stick to a plan for 21 days, it becomes a habit, and if you stick to it for another 69 days or a total of 90 days, it becomes a lifestyle.

In this article, we share the tips that will help you get started with this method and stick to it.

1. The first stage is to have a clear goal: You will not be able to see where you're going in life unless you have clear goals. Identify your purpose, define your vision and translate your objectives into attainable benchmarks. You've almost assured success if you have a clear milestone to achieve.

2. Have a strategy: Every new habit requires a plan. It assists you in achieving your objectives. Create a timeline of activities to follow. Decide how you'll reward yourself at significant milestones, such as the 21st day, 69th day or 90th day in this 21/90 approach.

3. Resist temptations: The best method to create a new habit is to eliminate everything that would hold you back or tempt you to return to your old habits. Rebuilding your surroundings will help you distance yourself from your old habits. For example, don't stack up on snacks in your house if you're trying to lose weight or uninstall the social media apps from your phone if you're trying to cut on your screen time.

4. Avoid distractions and be disciplined: Theodore Roosevelt's words, and we quote, "With self-discipline, almost anything is possible". Self-discipline is tough to attain since it demands a fight with oneself to make the best decision. But if you master the art of self-discipline, nothing can stop you from being your best self. You can carve out a schedule or reminder to pay your utility bills or online health insurance payment on time if you have a habit of missing the due date.

5. Eat, sleep and repeat: It's time to restart what you've completed in 21 days and help you achieve your first objective. Set a brand new goal for yourself, and with your new habits, you'll be on your way to 90 days and a lasting lifestyle change in no time.

Life is delightful when you enjoy what you do. When you begin your 21 to 90 days journey for a lifestyle change, don't forget to enjoy the process. It will be more accessible, and you'll reach your milestone in no time.

Another effective way to cultivate new habits is to tie them to the existing ones. So, if you are already getting up early for some work, add regular exercising or a morning walk with it. Spending time to maintain good health, managing routine medical check-ups, owning a robust health insurance plan and renewing your online health insurance is important for overcoming any health-related bad habits. So, start small and keep adding new habits with this 21/90 magical rule!

Click HERE to get the best 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.

Mountains are the perfect getaway to spend a few moments in peace and the serenity of nature. The feeling of being high up in the sky amid the clouds and looking at the stunning view is something no traveller wants to miss.

While a road trip to the mountains can be one of the most exciting things to experience, it is a fact that without the proper itinerary, the trip will lose its essence. The unpreparedness will lead to stress and confusion. The following blog gives you information that will help you choose the right itinerary for an exciting mountain trip.

1. Planning every step of the way:

Highlight the areas you want to visit along the way and research the most scenic routes to get there. In the mountains, it’s often about the journey, not the destination. Plan a detailed itinerary, including the dates on which you’ll reach each place, midway stops, and the places you’ll eat at throughout the trip.
Also, marking the highway petrol pumps is essential to avoid the stranded situation in the middle of nowhere. Although the plan should be meticulous, be open to deviating from it to experience something new.

2. Packing the right gear:

Packing the right gear can be a make or break of a trip. Place comfort over style, and make it a priority to pack clothes according to the weather. It can go from extremely cold to hot in a matter of a few days in the mountains, so make sure to get clothes suited to both.

3. Driving the right kind of car:

Mountain roads are notoriously treacherous. Steep and slippery roads are a given, and navigating these roads is a skill. Not all cars are made for such roads, and it is of utmost importance to drive a car that can stay intact on these roads.

4. Food and drinks:

Snacking and road trips have always gone hand in hand. Finding your favourite snack in the middle of a small mountain village is not always possible. Stay as hydrated as possible, and try to stay away from food that might upset your stomach.

5. Get coverage for every circumstance:

Road trips to the mountains came with a lot of risks. It is common to be stranded on mountain passes, waiting for help. It is best to ensure that your car insurance covers the vehicle towed a certain distance and repair cost if something unforeseen happens.

6. Don’t bite off more than you can chew:

It’s never a good idea to overstretch yourself on a trip, especially as dangerous as travelling to the mountains. Do ample research about common health issues faced when going to higher altitudes like heart palpitations and dizziness. Pack appropriate medication in your first aid kit to avoid health scares.
Overexerting yourself can also lead to rash driving and, ultimately, accidents. It’s best to be insured against any hefty medical bills you might incur. Be sure to stay updated on all the documents like car insurance.

A road trip to the mountains can be a therapeutic activity after the constant grind of city life. Breathing good clean air, getting some exercise and the view being a feast on eyes are just a few reasons why city people these days want to retire to a cottage in the mountains and spend their lives there.

However, travelling on unpaved, steep roads of the mountains can be challenging for your vehicle. The little off-roading you do for fun might come with a high cost of damage to your car. It is advisable to purchase comprehensive car insurance or renew if you already have one before your road trip.

Click HERE to know more about different car 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.

Two Factor Verification (2FA) is recognized by many names, such as two-step authentication, two-step verification, and even multi-factor authentication (MFA). In simple terms, to get access to an app, platform, or network, the end-users must ascertain their identities using two forms of IDs. One is their password, and the other factor can be anything, an OTP, biometric scan, a security question, etc.

2FA adds an extra degree of security by safeguarding user IDs and preventing cybercriminals from accessing online resources. Cyber attackers have to confront an additional barrier to access with 2FA in place. Even if hackers know a user's password, they must guess the second factor, which might be challenging based on the authentication factor allowed.

In today's post, we'll go over how this technology protects individuals and organisations from people with malicious intents out in this world headed for Metaverse.

1. Looking beyond passwords:
Generally, offices use single-factor authentication (username & password) to grant access to their services. However, these procedures are insufficient to protect users nowadays.
This is due to users often not adhering to best practices when setting a password. Although strong password rules may help companies reduce these habits, other offenses, such as writing down passwords, using the same passwords across various accounts, or discussing passwords with others, are common challenges at the workplace.
This is where 2FA comes in. It is tough to bypass a second authentication stage as it generally involves biometrics (which can't be faked), TOTPs (Time-bound and ever-changing), etc.

2. An efficient way to fight phish based attacks:
Phishing is a form of cyber assault in which people with malicious intentions send a bogus email that mines for sensitive data. It is one of the top web hazards confronting businesses today.
Phishing emails seem to be sent by respectable organisations and often invite people to log in to their social network, bank, or business accounts. Unfortunately, many consumers are duped by the nature of these emails and input their credentials, giving their passwords and access to sensitive information to hackers.
Let's say you have fallen for the phishing trap, and the hacker has your password. They will try to log in to your account and fail because the second layer of authentication will be waiting for them. One wrong attempt on the second stage will prompt you about a possible breach. You can immediately reset the passwords.

3. A single compromised account might be the tip of the iceberg:
If the same password or its variants are used for multiple accounts, the hacker may acquire access to all of them. Since a typical user handles over 80+ accounts on average, there's a potential risk the hacker will access other credentials. They may steal critical information from inside and even sell the hacked credentials.
If hackers manage to crack into your account and try to work their way to other accounts, they will not be able to get in.

In the future, companies plan to include Geolocation, device type, time of day to assist if a user should be authenticated or restricted. Furthermore, behavioural indicators can be discreetly tracked in real-time to enable continuous authentication. These are things for the future, though. Use the 2FA technology available to secure your online identity from hackers.

Another great weapon to add to your arsenal is public liability insurance. It covers you against identity theft, cyber extortion, unauthorised transactions, and numerous other cyber hazards. In today’s technologically equipped world, your life can be on a digital marketplace in just a few clicks, even ensuring system security is made easy online. Compare different public liability insurance prices and select a plan that matches your requirements without being too heavy on your pockets. Trust us; it is well worth it.

Consider checking the public liability insurance prices HERE.

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