GENERAL INSURANCE BLOG

The festive season is just around the corner! With dresses and outfits being shopped, everyone is excited for the busy times of the year, whether it is a festival or family celebrations. With all this preparation, one must not neglect their skincare.

From the harsh sun rays to constant dust, our skin goes through significant damage daily. All these factors eventually lead to pigmentation. Many people get deeply insecure about spots and areas of the skin that are pigmented. This holiday season, put your best foot forward in skincare and glow with pride!

This blog gives you some tips for dealing with pigmentation and being occasion-ready!

Chemical methods:
It has been a long-held Indian belief that anything chemical harms the skin. While that may be true in certain situations, if used correctly and in the right quantity, these products can give an instantly brighter look to your skin so that you look flawless on any occasion.

1. Exfoliate:
With the daily pollution and sun exposure, it's no wonder our skin looks dull and dreary. The main reason for dull, pigmented skin is this layer of dust and dead skin cells that develop under the skin. Scrubbing and exfoliating is a great way to eliminate this layer and give you glowing, spotless skin. However, get a scrub for your skin type to avoid further damage.

2. Extraction and hydration:
A small, vacuum-like product has recently been available on the shelves of cosmetic stores and has revolutionised extraction. Gently massage your skin with this vacuum to clear all debris and remove all the whiteheads and blackheads from deep within your pores. Use intense moisturisers after this process to retain the skin's natural hydration, and watch how it rewards you with a brighter look.

3. Vitamin C:
Did you know that vitamin C is the key to glowing skin? Fruits like lemons, citrus, strawberries, and blueberries will lead your way to good skin and deal organically with pigmentation. These fruits have an abundance of antioxidants, adding an instant radiant shine to your skin.

4. Sunscreen:
The primary reason for pigmentation is sun exposure. The sun emits harmful UV rays that kill skin cells and causes those dark spots. Liberally apply sunscreen each time you leave the house to have healthier skin in the long term.

Now let's look at a few home remedies to get visible results naturally:

Although artificial methods can help to a large extent to improve your skin, there's nothing that beats lifestyle changes for long-lasting clear, and glowing skin.

1. A good sleep:
The body heals and repairs itself when you get your 08 hours of sleep each night. Often, we overestimate our body's ability to stay awake and pull several all-nighters. This leaves the skin feeling dull and rough. On the other hand, when you're well rested, there's a visible glow on your face that comes from the collagen production and blood flow while you sleep. So, kick back, relax and get your beauty sleep, especially before going for a function!

2. Shorter showers:
A long, warm shower is relaxing to the body and mind, but it has the opposite effect on the skin. It strips the skin of the natural oils produced and can leave your skin dry. The best kind of shower for the skin is a cold or lukewarm one that lasts about 10-12 mins.

3. Honey and saffron:
This combination is the best for hydrating your skin, leaving it feeling soft and fluffy

Take adequate rest, bring discipline to your eating habits, and wash your face regularly, especially after coming home from outside. The good health of your stomach also plays a vital role in maintaining the freshness of your skin.

Your skin greatly depends on your lifestyle and how you maintain your inner health. Have regular full-body check-ups to improve your overall health. Research the best online health insurance for optimum protection and be assured of the expenses involved. Your skin is your personal outfit, and keeping it shining is paramount to having a confident look and being occasion-ready.

Click HERE to know more about online 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.

Riding a motorcycle is one of the most ethereal experiences that you can encounter in your life. Be it a crowded market or the lush green valleys of the Himalayas, a bike ride is perfect for every occasion. The thrill, excitement, and adrenaline rush that a bike ride gives you will always be unmatched.

But did you know that riding a bike can have health benefits besides getting an adrenaline boost? Surprised, aren't you? Let's find out the different health benefits you can have from riding motorcycles.

1. Builds core strength:
Whenever you ride a bike, you need to maintain the correct position. For longer bike rides, the body's posture must be maintained. It ultimately contributes to greater core strength and flexibility.
You must work on your core to stay upright on your ride. Your body posture maintains the correct shape and form while riding a bike. It is a great exercise for you.

2. Strengthens thigh muscles:
This is one of the hidden benefits of riding a motorcycle. If you're experiencing any issue with your knees or thighs, it can easily be resolved by riding a motorcycle. When you ride a motorcycle, you need to apply a lot of strength on your knees and thighs without straining them too much. A little movement can do them well. Riding a motorcycle is no less than a physical exercise that your legs necessarily need.

3. Boosts neck strength:
If you spend a lot of time on your phone or laptop, you will likely develop neck problems and a painful strain in due time. The best way to tackle it can be by riding a motorcycle. It helps in boosting your neck strength and eliminates the risk of developing a strain or cramp there.

4. Burns calories:
When you ride a motorcycle, you burn calories. When you are in the driver's seat of a motorcycle, you are likely to put in a lot of effort in riding the bike. Your entire body is in an active state with your senses alert, which demands more energy to maintain coordination. This can aid in burning calories. You can burn up to 50 calories by simply riding a bike. This is not possible in the case of other vehicles.

5. Boosts mood:
Although there are numerous benefits of riding a motorcycle, it also greatly impacts your mental health. It boosts your mood and uplifts you. You can cheer yourself up and feel relaxed by setting out on a fulfilling bike ride. It stimulates the happy hormones in your body. It is great for people who are suffering from depression or anxiety. It is an effective way to lift your mood and make you feel better.

These are the numerous health benefits of riding a motorcycle. It not only helps build your physical health but also positively affects your mental health. Apart from the convenience of commuting, it is also important in staying motivated and in the pink of health. If bike riding is your comfort, securing it should be your responsibility. You should buy bike insurance in advance regardless of where you ride your motorcycle. It will add a financial safety net to cover the hefty expenses of damages to your bike.

So, invest in comprehensive bike insurance and enjoy multiple benefits at an attractive premium.

Click HERE to purchase the best bike 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.

A keyless ignition system is an electronic access system that allows us to enter the car and start/stop it without the physical metal key. It is operated through a device known as the key fob or the smart key. The car verifies the key electronically and gives access to the driver.

Keyless ignition was introduced in the 1990s. It was a special feature in high-end cars until a few years ago. Now it is gaining popularity and can be found in the standard variants of several cars.

Let us go through the keyless ignition system in detail and the facts we need to know about it.

How does it work?
A keyless ignition system works through a key fob which is a radio transponder. It sends a radio signal to the car, signaling it to unlock the doors and give access to the car. We can then start or stop the car by pushing a button or turning a switch. The system also acts as an immobilizer to protect your car from thieves. The system works if you are within the car's range, usually 10-15 feet. A corresponding RFID chip in the car identifies the correct key fob electronically and gives access.

What is the importance of keyless ignition?

1. Convenience:
The foremost importance of keyless ignition is the convenience that it provides. Every driver would love to walk to his car and access it without fumbling for keys in his pockets. Your car will start and stop with the push of a button, and you no longer need to turn the metallic key or face an unpleasant ignition experience.

2. Style:
The key fob is a symbol of style and elegance. You don't need to take out the car keys to enter the car.

3. Security:
The keyless ignition system provides security to your car. Thieves cannot open the car and start it as you cannot do it without having the key fob with you.

What are the disadvantages of keyless ignition?

1. Chances of malfunction:
A keyless ignition system is eventually an electrical system that can sometimes fail. If your car battery dies, the system will not work, and you will get stuck.

2. Expensive to repair:
If your key fob gets lost or stops working, the service or changing the components is costly and time-consuming.

3. Risky:
The system can be risky as kids can easily switch on your car if you leave the key fob inside the car and go away, even for a minute. Moreover, there is a high risk of a person leaving the engine running and walking away when he forgets to push the "stop" switch. Your car engine will keep running until it runs out of fuel.

We cannot deny that the keyless ignition system is a fad we all love. It can be very convenient and useful if we use it carefully and keep constant track of where our key fob is. Always watch your car if you are moving out but are still in the radius. Your car's safety is your responsibility, and a car insurance policy provides us with similar safety and convenience as a keyless ignition system.

Gone are the days when you had to run behind an agent to get the car insurance policy of your wish. You need to go online, choose the best policy from a variety of available options, fill out the required details and buy car insurance policy online!

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.

Riding a motorcycle into the sunset, with the wind blowing on your face, is one of the most surreal experiences to cherish. Previously, this arena was predominantly occupied by men, but nowadays, more women are drawn to the pleasure of riding. However, riding a motorcycle is dangerous for both genders unless the proper measures are considered. Statistics show that motorcyclists face almost 30 times the risk of an accident being fatal than one driving a car.

To have a safe and fruitful experience in driving a bike, here are some tips that female riders should keep in mind:

1. Check your comfort level with the bike:
Female riders must find a bike best suited to them. Many factors must be considered, such as seat height, bike weight, etc. You should be able to comfortably put both feet on the ground while seated and must be able to pick up the bike if it accidentally falls. Make a list of bikes to compare, and research every single one to find your perfect match.

2. Dress appropriately:
Dressing for occasions is very important, but so is dressing appropriately for biking. It is important to remember that every bit of skin exposed might get significantly hurt during an accident. Leather jackets and pants are the preferred outfits when biking and will help face any abrasions. Gloves and boots are other accessories that help a great deal. However, the most essential gear a biker needs is a helmet, preferably a full-face one. If you prefer to wear a half-face helmet, be sure to wear goggles and a face mask.
And, if you are commuting in your Indian attire, you must be careful that it doesn’t mess with your motorcycle’s tyre while in motion.

3. Prevent hair from coming onto your face:
Long hair becomes a hassle for motorbike riders. If it is kept loose and untied, it will move around, causing a distraction to the rider. Also, it might come onto your face, reducing your visibility, and becoming a safety hazard.
Although it’s an excellent alternative to tying your hair in a pony or a bun, this might get uncomfortable under a helmet. The best solution is a low braid, which will give comfort and prevent your hair from getting jostled around and messy.

4. Maintenance is key:
Learning to do basic maintenance is one of the key duties of every motorcycle rider. Learning how to change oil, lube up certain bike parts, or check the tyre pressure regularly are just a few. These skills can be picked up easily by using the internet or simply picking up an owner’s manual.

5. Keep your driving licence and insurance up to date:
A driving licence is necessary for any rider, male or female, before riding the bike. You can apply for a learner’s licence, take the test, and then get the permanent licence issued under your name.

2 wheeler insurance is an essential document to keep handy with you all the time. With the ever-increasing road accidents, it is advisable to keep your motorcycle protected by reliable 2 wheeler insurance against theft, damage, and other concerns that might vent your pockets.

There is always a risk involved in riding a vehicle on the road, regardless of what gender you are. It can only be reduced with abundant experience and remaining cognizant of the road. With an increase in the ratio of female riders, there is a significant boost in the confidence of women who aspire to own and ride a motorcycle. And with proper training and regular riding practice, this can be possible. You must ensure your safety, follow all the traffic rules, keep your 2 wheeler insurance up-to-date, and ride confidently. Happy riding!

Click HERE to know more about 2 wheeler 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.

Surgery or an operation is a significant event in one’s life. It affects the quality of the person’s life during recovery and may even alter the rest of their life. The intensity with which you might have been doing your activities might get dampened due to the aftereffects of surgery. You must be very careful while performing your daily chores and adapt to a more disciplined behaviour to emphasise aftercare and avoid severe complications.

While medical professionals take utmost care during the procedure to limit the damage and help the patient recover, it is up to the person to rest and allow their body to recover completely. However, surgery cannot put a person’s life on hold. Several responsibilities and duties need to be fulfilled in one’s day-to-day life.

Driving is one such activity that makes life convenient but can get difficult post-surgery. This article discusses some safety tips to keep you safe while driving post-operation.

1. Avoid driving until 48 hours post-operation:
The effects of anaesthesia or any other drug administered during the procedure may still affect your senses and cloud your judgement. It is best to avoid getting behind the wheel at least two days after the surgery. Having friends or family drive you back home or hail a cab is advised.

2. Consult your doctor:
Only your doctors can give you accurate estimates of when you will be able to recover. While it is advised to wait until the entire advised rest period is over, you can consult your doctor to find the best time to get back to driving. Only drive after getting your doctor’s approval. Till then, continue to indulge yourself in mild exercises and stretches.

3. Check your range of mobility:
Drivers need to have a full range of motion and vision. If your mobility is restricted or vision is impaired, you are not fit to drive and are putting yourself and others at risk. Do not drive under either of the circumstances mentioned above.

4. Have a licence-holding passenger accompany you:
It is better to have a passenger with a driving licence issued by the Government beside you even after the doctor deems you fit to drive. In case of any difficulties, the passenger can take control of the vehicle, and drive you safely to your destination.

5. Go for short drives:
Let the first few drives mimic the driving lessons you took as a beginner. Keep the distance short and focus on the basics- lane driving, assessing your position on the road, and checking your reflexes. While it may be frustrating, it will keep you safe and help you get accustomed to driving post-operation. Take this as a challenge to make a swift comeback to your regular driving regime.

Why your insurance may not cover your driving accidents post-surgery:
A personal accident insurance policy is undoubtedly helpful in covering medical and allied costs. However, it may not cover accidents immediately after a medical operation. Since an accident caused due to pain or impairment due to the surgery is a known cause, it becomes the insured’s responsibility to pay for the medical costs incurred for the treatment. Medicinal intoxication is usually covered under a personal accident insurance policy, but pre-existing injuries are exempted from insurance coverage.

*Note: Verify all the inclusions and exclusions with your insurance provider for a better understanding.

While a personal accident insurance policy does not cover already existing injuries, we strongly recommend purchasing it to cover unforeseen accidents and thoroughly check the conditions to protect yourself.

Just as you ensure your wellbeing, it is equally crucial to insure your car against accidental damages. Invest in a reliable car insurance plan, or never miss out on your car insurance renewal if you already own one. Lastly, do not give up on your hopes. Stay positive and relentlessly practice healthy habits for a speedy recovery. You don’t have to surrender your passion for driving. Follow the above tips and make a comeback taking one step at a time.

Click HERE for hassle-free 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.

Buying a car is more challenging than it seems. The salesperson uses many tactics to prevent their buyers or sellers from negotiating. Usually, buyers who lack detailed information about car sales and the buying process fall victim to these tricks the salesperson uses to draw more profit.

You also have to consider various things, such as auto loans, RC transfers, and hidden charges, when estimating the price of the car. So, you can create your strategy against these persuasive tricks and get your choice of car at a reasonable price. Here are some tactics that are commonly used to influence the customer.

1. Psychological profiling:
The car salespeople use the scripted questions to break down the needs and vulnerabilities of potential customers. These salespeople are experts in persuading people. The first question most car salespeople ask is about your budget. If you answer this question, you will show a vulnerability to car salespeople.
You should refrain from discussing your budget, family needs, vanity, and urgency to buy and ask for a test drive before signing papers. If you find a car you want, negotiate the price and leave trade-ins and add-ons for another discussion.

2. The Ben Franklin close tactic:
Most car salespeople use this classic tactic to fool the customer into buying a specific car. In this method, they draw a line down the middle of a piece of paper and list the reasons to buy or not buy the particular car. The information from the salesperson is either half true or false. You should avoid falling for this trap and becoming a victim of their motive.

3. The Porcupine close tactic:
The car salespeople use another tactic that includes a question starting with "if." For example, "If I can get you this monthly payment, will you be willing to buy this car today?" Car salespeople use this strategy to find a buying trigger in their customers.
When your car salesperson asks you this type of question, you should answer it with a negative. Instead, telling your car salesperson that you are negotiating with other dealers to get the best deal.

4. The waiting game:
When you go to your car salesperson to buy a car, there are salespeople, a team leader, a general manager, and more levels of leadership. They waste your time and trick you into selling what they want. If your car dealer takes too long to start moving the deal, you should call the deal off.

5. Look after the overall cost of the car:
People research the price of the car and divide the numbers into a down payment and a monthly payment. Most car dealers offer you monthly payments. You should ask them about the total price of the car and their best offer.
You can use an online car affordability calculator to check how expensive a car you can afford. Stay in the range and consider other things such as dealer fees, car insurance, and more. Choose the best car insurance company in India to get reliable insurance at the right price.

6. The impending event tactic:
Car salespeople use another tactic to sell their cars without negotiating. In this tactic, the car salesperson says that you need to buy this car today to take advantage of a big opportunity to buy it, or some other customer will get it.
You should refrain from showing any urgency and telling the car dealer in their eyes that if you come back tomorrow, they will not sell you this car.

These were a few ways to smartly deal with the tactics of salespeople and outwit them. Always stay alert while making such big decisions. Rely more on your research, compare different brands and categories, and take a test drive before the final purchase.

It is compulsory for people who buy a new or used car to get car insurance. When you find a strategy against the car salespeople's tactics, you should also look for the best car insurance company in India. Car insurance brings you many benefits, including personal accident cover, no claim benefits, damage or loss to insure a car, and third-party liabilities. Buy one today to make your driving experience safe and convenient.

Click HERE to buy insurance from the best car 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.

Due to heavy downpours every year, the Indian roads are severely hit and damaged. The potholes and cracks make the roads less motorable, and vehicles have to find their way safely by tackling them.

Potholes are dangerous for driving during the monsoon and rainy seasons, especially for bikers. Alongside this, the extra danger of your bike's wheels slipping on roads adds to the stress of accident possibilities.

Riders must exercise extra caution for a safe ride during the monsoon season. If you drive a two-wheeler in the rain, you should keep the following points in mind.

1. Do not disregard tyre health:
Before riding a bike or scooter in the rain, remember to check the tyres. Your bike might easily skid on the road if the traction in its tyres is worn down. Therefore, change the tyre right away.

2. Attentiveness:
Riding safely in the weather largely depends on being aware of your surroundings. Keep an eye out for potholes and puddles since they can be deeper and bigger than you expected, or there might be an open manhole beneath the water. Stay away from slicks of oil on the road that can be very slippery.

3. Slow down:
Speeding your two-wheeler is strictly prohibited when it rains because it affects your ability to see through and impairs your vision. In addition to the poor vision caused by rain, driving slowly will also give you better control and allow you to brake effectively in an emergency. Your scooter or bike may skid if you apply the brakes suddenly. Potholes are frequently obscured by water and are difficult to see. Take complete judgement of the road and maintain a steady speed to get enough time to tackle the potholes without losing balance.

4. Keep a safe distance:
Keep a safe gap between your two-wheeler and other vehicles on the road, whether in front of you, behind you, or even on the sides. You run the risk of hitting other vehicles when your vision is poor.

5. Using brakes correctly:
When it's raining, it's usually preferable to use the back brake so that your bike stops gradually rather than abruptly. Avoid applying sudden brakes as it might make the vehicle behind ram into you.

6. Stay off flooded roads:
In addition to causing you to veer into potholes, water exposure can harm your scooter or bike's exhaust.

Riding gear –
Investing in good waterproof riding gear can keep you dry. Your riding gear will protect you in an accident. These gears are
● Waterproof riding jacket: Invest in a waterproof riding jacket. To ensure that other road users see you, ensure the jacket has adequate reflective stripes.
● Waterproof riding pants: Wear waterproof riding pants to protect your lower body from the water.
● Gloves: Waterproof riding gloves keep your hands safe and grip tight on the handlebar.
● Helmet: Purchase a full-face helmet with a transparent visor. Immediately replace the scratched visor. To increase visibility, apply reflective tape to the front and back of the helmet.

The water puddles well conceal potholes. The bike's rapid movement and imbalance from riding over these puddles could cause you to lose traction. No matter how skilled a rider you are, a lack of traction and visibility can significantly damage your bike and cause you injuries.

Another crucial safety measure is an insurance. It is preferred to have robust bike insurance to protect your asset from unfortunate damages and repair and maintenance costs. A bike insurance equips you to deal with any accident on the road.

Keep a safe distance from other vehicles when you are riding. Look out for potholes and avoid over speeding your bike. Always remember to accelerate gradually and brake gently to prevent any jerky movement, and never miss having bike insurance.

Click HERE to buy the best bike 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.

Have you bought a brand-new car and are excited to hit the road? The first thing that the law requires is that you need a number plate on the front and rear to display the vehicle registration number. So many of us would love to go for a fancy number plate that makes our car look unique and cool.

But wait. Are you aware you can get into trouble using a fancy number plate for your car? Let us see how.

1. Fines:
According to the Central Motor Vehicles Rules, 1989, you must follow a specific format for your car’s number plate. It specifies the size of the number plate for light motor vehicles and passenger vehicles, respectively. It also specifies the font height and width to be used and the spacing between every font or number. It then specifies the colour combination according to your vehicle category.
A fancy number plate will usually violate one or more of the above guidelines. People go for fancy fonts and colour combinations, write the number to resemble some word or name, or change the size to make it look unique. In any of these cases, the traffic police can issue a challan and impose a penalty on you.
According to section 192(1) of the Motor Vehicles Act, fancy and improper number plates can be fined up to INR 5000. However, this penalty varies from one state to another.

2. Cancellation of licence:
Using a fancy number plate that does not conform to the law is considered illegal in India. Some states have a provision for cancelling the licences of repeat offenders who do not get their number plate changed according to the allowed format despite repeated challans and warnings.

3. Vehicle seizure and imprisonment:
If you choose to delete a number or two in the quest to make your number plate extra fancy, the police have the authority to seize your vehicle and register a criminal case against you. This can lead to your imprisonment as well.

4. Insurance claim:
A fancy number plate can indirectly impact the settlement of your car insurance claim, too, in the event of an accident. If the police have suspended your licence due to the faulty fancy number plate and you meet with an accident in your car, you cannot raise an insurance claim. This can result in heavy monetary loss to you if the accident is major.

Security concerns with fancy number plates:
Fancy number plates usually have fancy fonts that cannot be read easily. This can be troublesome for authorities to trace you or your car in case of theft, traffic violation, or even an accident. If the law starts permitting fancy number plates, criminals will start using this to their advantage.

It is natural that you would want a personalised fancy number plate after buying an expensive car. It will be your style statement and make your car look cooler. However, as mentioned above, a fancy number plate can get you in trouble.

So, stay out of it and make your life simpler by using a number plate that is permitted by law. Online motor insurance is another way by which you can make your life simpler and hassle-free. It has all the advantages of an offline policy and provides you the ease and convenience of choice, comparison, and quick claim settlement, all from the comfort of your home or office.

Click HERE to buy online motor insurance to protect your car against damages.

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.