GENERAL INSURANCE BLOG

'Travel' is often associated with beautiful views, fantastic food, and comfortable hotel stays. Yet, one of the lesser talked about things is the exhaustion one faces during the commute from home to the destination. Delayed flights, crowded lounges, and expensive food are just some of the many things we go through once checked in for the flight. However, airports need not be so stressful. Today we will look at some of the ways to survive exhausting flights and enjoy your flight.

1. Reach on time:
This is a no-brainer. If you are travelling domestically, reach at least two hours before. Many airlines these days have made web check-in available for passengers. So you can skip the long check-in lines and book your seat preference while opting for web check-in.

2. Breezing through security:
Security checks are one of the most dreaded procedures at the airport. A helpful tip can be to keep your laptop, mobile, and wallet handy to save you time in the queue. Another trick is to carry a clear bag to put them all in and then put that bag inside the tray. This way, your things are safe, and you can easily collect them back.

3. Carry an empty water bottle:
Staying hydrated is key to navigating through hectic airports and transit schedules. Water is generally not allowed during security checks, and buying from the airport can be expensive. Instead, carry a water bottle, and once you are through security, fill your bottle through the free water coolers available inside the airports.

4. Light cabin luggage:
Many of us have the habit of stuffing our cabin luggage. But remember that you have to carry your things for the next hour or so, and it can be worse if you are hopping flights. Sometimes there also might be a last-minute gate change, and running across the airport with heavy luggage would be a hassle. Therefore, it is best to pack light. Carry only essentials like water, snacks, and hand sanitisers in your handheld luggage.

5. Wear warm and comfortable clothes:
Wearing comfortable clothes while travelling is essential. The flight cabin can become extremely cold, and freezing for hours does not sound like a good idea. Besides, if you're taking a long flight, you might want to sleep.
So being in comfortable clothes can help you sleep better. Don't forget to carry an eye mask and a travel pillow to make the best out of the in-flight sleep.

6. Carry entertainment:
Waiting for flights can be a long and boring process. Make use of the free Wi-Fi at the airport and download shows, your favourite playlist of songs, and books you enjoy on your device. You can use them during your flight or while waiting to board.

These are a few tips and tricks that you can follow to make your trips less exhausting. Remember that any hiccups you face during travelling are part and parcel of nomadic life. What you can do is to be as prepared as possible. But to err is human, which is why you should invest in general insurance India so that the next time you travel, you are safeguarded against any extra expense and mishaps like damage or loss of luggage, etc.

Click HERE to know about 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.

We’re always talking about how densely populated India is but have you ever stopped to think what it means for us? Well, the metros are over-crowded for one, but there is more. 

It also means more people have to share the same amount of resources. Something as basic as healthcare becomes more expensive for most.

Our country’s total expenditure on health as per WHO statistics was 4.7% of our GDP (2014). This cost is only rising due to our sedentary lifestyle and the external factors like climate that we expose ourselves to on a daily basis. As much as we love our junk food and comfortable chairs, they really aren’t helping our health.

So, at a time like this, what can one do?

This is where health insurance comes in handy, even if we faced the same health problems as the generations before us, the prices we would have to pay would be a lot more due to inflation. But a good health insurance can work as a safety net that protects you from these expenses. There are things such as family medical history, environment and even our lifestyles that aren’t completely in our control, but how prepared are we for unforeseen events are.

But besides countering the effects of our changing lifestyles and rising medical costs, health insurance also gives you some additional benefits such as tax deductions. We know, a lot of people don’t invest in health insurance because they think it’s expensive but if anything, it’s helping you save money on two fronts – medical bills and taxes. All payments made as premium for your insurance are eligible for tax deduction under section 80D of the Indian Income Tax Act. In simpler terms, the amount you pay as premium is deducted from your total taxable income.

Now you might be thinking that you are healthy, and you wouldn’t really need hospitalisation and thus, health insurance. But here’s where you are mistaken. Health insurance doesn’t just help you during hospitalisation but throughout – from getting free health check-ups to day-care treatments and even dental procedures. Now, who doesn’t need a dentist every now and then, right? Moreover, you might be healthy now, but what about 10 or 20 years down the line? You can never be sure of your health then, but you can be sure that health insurance will be there to protect your finances.

Planning for the future is a must in this day and age. The ease of technology leaves you with no excuse but to click a few buttons to secure yourself. Health insurance is cited as one of the best investments that one can make. Not only does it lead to better financial planning, but it also removes a lot of questions you may have when an unfortunate situation does arise.

Choose a plan tailored to your needs and stay assured that if you ever need healthcare, you have something to fall back on.

Though there are many Online Health Insurance Companies in India, Magma HDI is a one stop shop for all your needs from a Health Insurance Policy Renewal or getting a new policy.

Does your business rely heavily on machines and equipment? If yes, then you surely must’ve heard about machinery breakdown insurance. Even if you haven’t, worry not, we’re here to explain

Businesses that have machines running day-in-day-out are susceptible to loss if there is any physical damage to the machines or if they break down. Even if the daily wear and tear are monitored, it is impossible to predict a breakdown. But what you can do is be prepared for such situations by having a machinery breakdown insurance.

What is covered by this type of insurance?

Loss or damage due to:

• A mechanical breakdown
• An electrical breakdown 
• Accidental external factors

The cover is applicable:

• When the machinery is operating
• When it is at rest 
• When it is in the process of getting dismantled
• When it is being overhauled or subsequently being re-erected at the same premises.

The machinery breakdown insurance that we provide also has the following additional covers:

• Air Freight
• Express Freight
• Insured’s own surrounding property
• Third party liability
• Escalation
• Additional custom duty

What is not covered by this type of insurance?

Loss or damage due to:

• Natural calamities like lightning, flood, earthquake, landslides, etc.
• Burglary or theft
• Damage caused due to impact by land-borne/water-borne craft.
• Wear and tear, faults or defects that existed when the insurance period started and was either known to you or ought to have been known to you. 
• Faults or defects for which the supplier is responsible either by law or under contract
• War or war-like operations
• Wilful acts or gross negligence on your or your representative’s part
• Accidental loss or damage due to overload experiments or tests requiring the imposition of abnormal conditions
• Loss of or damage to the different types of belts, ropes, chains, and other exchangeable tools
• Loss of or damage to objects made of glass, porcelain, ceramics, all operating media, etc
• Flaws, defects, cracks or partial fractures that develop gradually in any part not necessitating immediate stoppage

Machines and equipment form an integral part of some businesses. If your business is one of them, then you definitely must own insurance that protects your machinery against unforeseen circumstances. Specific insurance policies such as this one are made to ensure that if something does go wrong, business owners have a reliable option to fall back on.

There’s an ongoing debate between the importance of health insurance and critical illness insurance. Most people either confuse health insurance with critical illness cover or consider it to be an option. While both insurance plans act as a financial cushion for health-related contingencies, let’s learn the truth about both:

So, now that you know the primary differences between health insurance and critical illness insurance, the question arises of choice. Which of the two should you choose to buy? The answer is that both health and critical illness insurance plans are important for you. Both the plans are recommended for anyone who wants to secure themselves against the financial implications of health issues.

However, if you have a history of critical illness in the family or have certain lifestyle habits that are known to result in certain critical illnesses, it is strongly advised to opt for critical illness insurance too. You can either take this as a cover or standalone insurance. You should have insurance against critical illnesses, such as heart attack, stroke, cancer, coronary artery bypass, paralysis, etc. Additionally, the chances of falling prey to critical illnesses increase with age and could also be triggered by certain other pre-existing diseases, such as diabetes can lead to heart attack and strokes by damaging the nerves and blood vessels of the heart. Therefore, it’s important to be mindful of all such factors that could lead to critical illness, and it’s prudent to take critical illness insurance along with your health insurance plan.

To Sum Up

The best way to secure your health is to opt for both, a health insurance plan and critical illness insurance plan too.  Magma HDI's OneHealth Insurance Policy is one such policy that can come handy for you. 

If you own a vehicle, most likely it’s a bike. A two-wheeler is most people’s first choice due to the low price and easier upkeep. The latter, however, is something that is not always true. Even a small accident, due to your or someone else’s error, can lead to a hefty bill. So, does that mean two-wheelers aren’t as economical as we thought?

It can be if you have the right two-wheeler 2 Wheeler Insurance In India.

Not only is a two-wheeler insurance mandatory by the government, it is also the best way to ensure owning and riding a motorcycle doesn’t become a burden. While breakdowns and accidents aren’t always avoidable, you can plan ahead for when you find yourself in a sticky situation.

Kinds of plans available 

To break it down, there are mainly two kinds of insurance plans available for two-wheelers. One is the third-party liability only insurance which is mandatory for all motor vehicles and the other one is thecomprehensive insurance which protects you and your vehicle as well.One should always go for the latter because not only does it cover your liabilities to the other party in case of an accident, but also your medical bills and biker repair costs.

How important is it?

You might be a terrific rider but can you be sure about everybody else on the road? A comprehensive insurance, in that case, is your best bet for protecting your finances.Your policywill not onlyhelp yourecover the costs of repair but also your medical bills. But the benefits of atwo-wheeler insurance don’t end here.It can also protect you against theft and send you help if your motorcycle breaks down in the middle of nowhere.

What does our truth lens say?

As mentioned earlier, you should always opt for a comprehensive insurance because it covers more than just the third-party liabilities. Apart from this, you should also check how extensive is the insurance provider’s network of service centres and garages.A large network means you are more likely to find one around you for cashless repair.

Another factor to keep in mind is to check the claims ratio of the company. It essentially means how many claims the provider has settled out of the total number of claims made. And of course, you should look for which plan offers most benefits. For instance, Magma HDI’s two-wheeler insurance covers your motorcycle against damage due to fire and explosion, damage in transit, natural disasters and even theft. 

Where to get it?

Though the home is a synonym of safety, home burglaries are common and have gone up rapidly in recent times. Festival theft is another concern, and a study shows that the highest home burglary rate in India is during festive seasons. Read on to know about five preventive steps to ensure your home is a safer haven during the festival season and after.

Hiring a security guard or a watchman

Most of the housing societies execute due diligence on the security features, including hiring trained security guards. If you are not living in one of the high-rise buildings rather a private land-based home, then a security guard is a must for you. A trustworthy watchman is a resource who works as a deterrent to burglars and ensures the complete safety of your home. Opt for a guard from professionally licensed security companies and always take a security guard that has previous security experience and is adequately verified.

Under surveillance — installing CCTVs

Technology is more of a boon than a bane for all. According to a Delhi Police report, crime reports have decreased to half after installing CCTVs in Old Delhi's Chandni Chowk Market. The same statement holds true for most of the residential colonies. Installing CCTVs at your home allows you to keep an eye on suspicious elements and prevents any potential theft. During the festive season, it is more imperative to have a security scanner that alerts you about any suspicious activity around your premises.

Lock it all when you leave

During the festival season, there is a spurt in burglary, even in locked houses. When you need to leave your home, make sure that all your windows and doors are closed and properly secured. One of the biggest mistakes people make is hiding the keys in the most obvious places, under the rug or behind the nameplate. Also, don't let burglars assume that no one is in the house. Ask neighbours or depute someone to pick the newspaper from the doorways and switch on the door lights in the night.

Bank lockers are better than home safes

There is no argument that a bank locker is always a safer place for your valuables. Banks have a robust security system to safeguard your valuables. The presence of a security guard and a high level of surveillance to monitor entry and exit in the bank's locker room add another layer of security protection to your valuables. However, if you are still keeping jewelry and valuables for the festive season at home, use electronic safes ranging from mechanical safe to the wall-mounted high-end safes.

And, consider taking a home insurance cover.

Security tools and technology will help make your home secure to a certain extent, but considering the increase in home burglaries nowadays, nothing can be said with surety. A good head start would be opting for the best home insurance policy in india that safeguards your home from any loss and damage.

Have you ever entered into a tenancy contract? If so, have you ever considered the importance of home insurance? Many tenants overlook the need for home insurance India, assuming it is the landlord's responsibility to provide insurance coverage. However, this is only sometimes the case.

In this blog, we will explore why tenants need home insurance India and why it is an insurance policy you must purchase.

Why must tenants purchase home insurance India?
Firstly, let's understand what home insurance is. Home insurance protects your home and belongings against damage or loss due to unforeseen events such as fire, theft, natural disasters, or accidents. A typical home insurance policy covers the building structure, contents of the home, and personal liability. It is important to note that a landlord's insurance policy usually only protects the building structure, not the tenant's belongings or personal liability.

Benefits of having home insurance.
Now, let's consider the benefits of having home insurance as a tenant. Imagine you are renting an apartment, and a fire breaks out, destroying all your personal belongings. Without home insurance, you would be responsible for replacing all your lost items, which can be a significant financial burden. However, you can file a claim and receive compensation for your losses with home insurance. Home insurance can provide peace of mind, knowing you are protected from unforeseen events.

Moreover, home insurance India can also provide coverage for personal liability. For example, if a visitor is injured in your home due to your negligence, you may be held legally responsible for their medical expenses and other damages. In such a scenario, home insurance can protect you from financial liability by covering the costs of any legal claims against you.

Choosing the right home insurance policy.
You may be wondering about the cost of home insurance India. The cost can vary depending on the coverage you choose, the value of your belongings, and the location of your home. However, compared to the potential financial losses you may face in the case of unforeseen events, home insurance is relatively affordable.

Now that we have established the importance of home insurance for tenants, let's discuss the home insurance policies available in India.

Two home insurance policies are available: building insurance and contents insurance. Building insurance covers the structure of the building, including the walls, roof, and fixtures. Contents insurance, on the other hand, covers the tenant's personal belongings, such as furniture, appliances, and clothing.

It is important to note that while building insurance is usually the landlord's responsibility, contents insurance is the tenant's responsibility. Therefore, as a tenant, it is essential to purchase contents insurance to protect your personal belongings against damage or loss due to unforeseen events. You should research thoroughly before buying insurance. Know what can suit your requirements the best and invest in a plan that ensures the total security of your assets.

Investing in home insurance.
Home insurance India is an essential investment that can save you from financial losses due to unforeseen events. Protecting your home and personal belongings is crucial with the rise in natural calamities, theft, and other unexpected events. While some tenants may assume that their landlord's insurance policy will provide adequate coverage, this is only sometimes true.

In conclusion, home insurance is a necessity for every tenant. Home insurance India can protect against unforeseen events like fire, theft, natural disasters, or accidents. It can also provide coverage for personal liability, saving tenants from financial liability in case of any legal claims against them. As a tenant, purchasing insurance to protect your personal belongings against damage or loss due to unforeseen events is essential.

Click HERE to buy home 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.

For regular people, bikes are only a form of commute. But for passionate bikers, riding is a rejuvenating, refreshing, and therapeutic experience.

Chances are, you may have never heard of the benefits of bike riding and only the dangers, especially from your parents. However, various studies show how bike rides can reduce stress and enhance cerebral functions. Riding has numerous other health benefits that you may have overlooked till now.

Let us now look at the physical and mental health benefits of riding.

1. Interacting with the environment:
When you go for a drive in your car, you are confined inside it. Although there is a window, people usually do not pull it down because of the AC or dust coming from outside. But, on a bike, you are out in the open with the wind blowing in your face. You can directly connect with your surroundings. You are closer to the trees and the essence of fresh air. An experience like this is undoubtedly bound to reduce stress and anxiety.

2. Core strength and stability:
When you are riding a bike, even just to the grocery store, you have to keep yourself upright. Maintaining correct posture while riding can enhance core strength, improve muscle tone and help keep the body in shape.

3. Calorie burn:
Did you know you could burn calories while bike riding? A one-hour motorcycle ride is estimated to burn about 200-300 calories if travelling on rugged terrain. So, to put things into perspective, if you ride a bike for one hour 5 days a week, you could lose 65,000 calories in a year.

4. Reflex enhancing:
Bikes are considered more dangerous than cars, and it’s because you need to be extra aware of your surroundings while riding a motorcycle than in a car. You need to be alert at all times, resulting in the riders developing good reflexes and improved brain alertness.

5. Neck strength:
If you are a neck and back pain victim, you will be thrilled with this benefit. Riding can improve your neck strength and is almost like therapy for your neck and back. However, for this, you need to make sure that your bike is fit for your body.

Bike riding is undoubtedly fun. Even if you are not a regular biker, riding in the open air once in a while can truly revitalize you from within. It can be a refreshing experience after a hectic day at work. Bike trips are an excellent way of connecting yourselves to new people and surroundings. The more you ride, the more you get to explore new dimensions of yourselves.

But, it is essential to be a responsible biker and ensure that you ride with the proper gear and required documents. Safety is paramount, and the same applies to your bike. As life insurance covers you for damages, your motorcycle needs ideal bike insurance coverage for its comprehensive security. So, before hopping on your bike, make sure that you have protected your asset with the shield of insurance.

Click HERE to get details about different bike 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.

Car accidents are a significant concern for drivers and insurance providers worldwide. With the manufacturing of self-driving cars, people have started to question the safety of these vehicles. While some argue that self-driving cars can cause accidents due to technical glitches, studies suggest that human error is the leading cause of accidents on the road. Self-driving vehicles have the potential to significantly reduce the likelihood of accidents, as they are equipped with advanced technology and programmed to follow traffic rules.

In this blog post, we will explore why collisions are more likely to be caused by human error than by self-driving cars.

1. Human error is the leading cause of accidents
According to a report by the National Highway Traffic Safety Administration, more than 70 percent of accidents are caused by human error. This includes factors such as speeding, drunk driving, distracted driving, and more. The behavioural traits of human drivers should also be accountable. The driver's mood also affects his driving style, and if the driver is in a bad mood or frustrated, he will likely drive the car fast. Rash driving has been a leading cause of accidents and fatalities. Self-driving cars, on the other hand, have the potential to eliminate these errors and make driving safer.

2. Self-driving cars are equipped with advanced technology
Self-driving vehicles are equipped with sensors, cameras, and advanced software to detect potential collisions and take necessary action to avoid them. These features can significantly reduce the likelihood of accidents.

3. Self-driving cars are programmed to follow traffic rules
Self-driving cars are programmed to follow traffic rules and regulations, eliminating the possibility of reckless driving. This ensures that self-driving cars are less likely to cause accidents than human drivers. Humans tend to jump signals, ignore seatbelts, and avoid giving proper indications while making turns.

4. Self-driving cars can communicate with each other
Self-driving vehicles can communicate with each other using vehicle-to-vehicle communication (V2V) technology. This allows them to share information about traffic conditions and potential hazards, which can help prevent accidents.

5. Self-driving cars are less prone to fatigue and distractions
Human drivers are prone to fatigue and distractions, which pose high risks of accidents. On the other hand, self-driving cars do not get tired or distracted, making them more reliable and safer.

6. Self-driving cars can reduce traffic congestion
Self-driving cars can communicate with each other and adjust their speed and route to avoid traffic congestion. This can help reduce the likelihood of accidents caused by congestion and improve overall traffic flow.

7. Self-driving cars are constantly learning and improving
Self-driving cars are equipped with machine-learning algorithms to learn and improve their driving capabilities continuously. This means they will only improve over time, making them even safer.

8. Self-driving cars can reduce insurance costs
Self-driving cars have the potential to reduce insurance costs for drivers significantly. Since they are less likely to cause accidents, insurance providers may offer lower premiums to self-driving car owners.

Self-driving cars are the future of transportation, and it is only a matter of time before they become the norm. As technology improves and becomes more widespread, we can expect to see a significant reduction in accidents and fatalities on the roads.

In conclusion, self-driving cars are less likely to cause accidents than human drivers. They are equipped with advanced technology, programmed to follow traffic rules, and constantly learning and improving. While there is still some skepticism surrounding the safety of self-driving cars, private car insurance India covers them just like any other car.

Click HERE to learn more about the benefits of purchasing private car insurance India.

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

You can create great abs without complicated equipment or expensive gym subscriptions. A few square feet of the floor is the only actual space required. According to workout suggestions, we've combined some tried-and-tested exercises to identify the finest abdominal workout you can perform in the convenience of your own home. However, you're mistaken if you believe it'll be lenient with you.

The tough three-circuit superset that follows this intense workout is made to target all your stomach muscles to give you those perfect-looking abs. Are you able to handle it? Here is the workout you'll be doing if the answer is yes (which we hope it is). Instructions for each move are provided below.

1. Straight leg lift:
Your hands should be at your head or sides as you lay on your back. Raise your feet as high as possible while maintaining a straight posture with your legs together. Keep your lower abs contracted as you sluggishly take a step back to the starting position. Perform 10 repetitions of this exercise with a gap of 10 seconds between each repetition.

2. Weighted crunch reaches:
Hold a dumbbell with your arms straight over your chest while lying flat on your back with your knees bent. Crunch to the top of the movement, pause, and lower to the beginning

3. Weighted sitting Russian twist:
Hold a dumbbell out in front of you as you sit on the ground with your knees bent and your feet lifted. Twist to one side, then the opposite, and finally, come back to the centre. Throughout, try not to let your feet touch the ground. Perform 10 repetitions of this exercise with a gap of 10 seconds between each repetition.

4. Weighted sit-ups:
These are one of the most effective exercises to develop abdominal muscles. Lie flat on the floor with your arms straight and hold a weight plate above your chest. Follow the traditional leg sit-ups and bring the weight plate above your head as you rise and then gradually lower back to the floor in a rhythmic manner. Focus on your breathing while doing this exercise.

5. Mountain climber:
Commence by performing a press-up. Draw one leg up and cross it across your body to the opposite elbow without allowing your hips to drop. As you start again, switch to the other leg and repeat. Keep the repetitions controlled yet quick.

More ab exercises:
If you want to get a six-pack, keep your workouts interesting. As a result, having a variety of abs exercises is beneficial. Here are a few additional choices you can consider.

Upper, lower, and oblique circuit training:
These three exercises are the best abs workouts because they work your abdominal muscles from different angles. This way, you can be sure that no muscles are left out. Although the exercises don't include weights, you will need a pull-up bar to perform the hanging exercises.

At-home abs workout:
The only piece of equipment required for this exercise is a dumbbell, which doesn't have to be particularly heavy because you'll be performing several repetitions of each exercise to maximise the time your muscles are under tension.

While maintaining a regular exercise routine is a good idea to develop perfect-shaped abs and a fit body, everyone should also invest in health insurance. Depending on the plan, online health insurance companies offer the insured a variety of health benefits for an attractive premium. You can select the best-suited plan from numerous online health insurance companies and protect yourself and your family with a comprehensive safety net.

Click HERE to buy health insurance from the best insurance provider.

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.

Owning a car is a significant investment, but keeping a discontinued vehicle can be frustrating. A discontinued car is a model that is no longer in production, leading to difficulty finding parts, limited warranty coverage, higher maintenance costs, and lower resale value. Additionally, limited options for upgrades and insurance coverage, as well as limited availability of mechanics, can make owning a discontinued car a daunting task.

In this article, we will discuss some of the probable challenges you might face being an owner of a discontinued car in detail and how car insurance can help you mitigate these challenges. Let's get started!

1. Difficulty in finding parts
One of the primary challenges of owning a discontinued car is finding parts. Since the car model is no longer in production, it may be tough to find the original parts. This can be a problem if your car requires major repairs and you need to replace a specific part. Sometimes, you may have to rely on aftermarket or used parts, which may not be as reliable as the original ones.

2. Lower resale value
Another challenge of owning a discontinued car is the lower resale value. Since the car model is no longer in production, the demand for the vehicle decreases, leading to a decrease in its resale value. This can be a significant problem if you plan to sell your car or trade it in for a new one.

Car insurance can help you in this scenario by offering coverage for the depreciated value of your car. Some insurance providers may provide coverage for the car's original value, which can be helpful if you face a significant loss due to the lower resale value. But you need to check this with your car insurance provider.

3. Limited warranty coverage
The warranty coverage may be limited or expired when you own a discontinued car. This can be a problem if your vehicle requires repairs or the replacement of specific parts.

4. Limited options for upgrades
Since the manufacturer discontinues the car model, there may be limited options for upgrades or modifications. This can be frustrating if you want to enhance the performance or aesthetics of your car.

5. Higher maintenance costs
Another challenge of owning a discontinued car is the higher maintenance costs. Since the parts are no longer in production, they may be more expensive to replace or repair.

6. Limited availability of mechanics
Since the car model is no longer in production, finding a mechanic who is familiar with the car can take time and effort. This can be a problem if you need specific repairs or maintenance.

Car insurance can help you in this scenario by offering a network of authorised repair shops. Some insurance providers may have tie-ups with specific repair shops specialising in discontinued car models, making it easier to find the right mechanic for your car. You need to check all these details, the terms, and the conditions with your insurance provider.

7. Limited options for insurance coverage
When you own a discontinued car, the options for insurance coverage may be limited. Since the car model is no longer in production, some insurance providers may not offer coverage.

Regular maintenance and careful driving habits can help extend the lifespan of your discontinued car and reduce the likelihood of breakdowns or costly repairs. It's essential to stay up to date with routine maintenance tasks, such as oil changes, tyre rotations, and brake inspections, and to avoid more significant problems.

In conclusion, car insurance is essential to owning and driving a car. It safeguards you financially from accidents, theft, or other unforeseen events that can damage or total a vehicle. When purchasing car insurance, comparing policies and prices from different providers is essential to find the best coverage that fits your needs and budget. With the right car insurance policy, you can have peace of mind while on the road and avoid financial hardship in case of unexpected incidents.

Click HERE to learn more about the benefits of purchasing 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.

Driving is a regular activity in many people's daily lives. Long hours in a car, whether commuting to work, conducting errands, or taking road vacations, can be uncomfortable and even painful for your back and hips. On the other hand, using a car seat cushion might considerably improve your comfort and overall well-being. We'll examine how a vehicle seat cushion can aid your back and hips.

The design of car seats and its effects on the body
Vehicle seat cushions are intended to provide additional support and padding to your back and hips while driving. The design of a car seat can frequently create discomfort, especially if you have a long commute or drive for extended periods. A car seat cushion can relieve pressure spots and uniformly distribute weight, resulting in a more comfortable and supportive driving experience.

The benefits of car seat cushions
Furthermore, car seat cushions might assist you in enhancing your driving posture. Back and hip pain and neck and shoulder strain can all result from poor posture. A suitable lumbar support vehicle seat cushion can assist in correcting your spine, allowing you to sit up straighter and relieve strain on your back muscles. Furthermore, some car seat cushions include adjustable straps that may be added to the seat to help maintain you in the proper position and prevent slouching.

Sitting for lengthy periods can cause numbness and tingling in your legs and feet and decreased blood flow. A car seat cushion can help you distribute your weight more evenly and ease pressure areas, lowering your chances of having circulation issues. Furthermore, certain car seat cushions are contoured to facilitate improved circulation by minimising pressure on specific places.

Another benefit of using a car seat cushion is that it may lessen fatigue and pain when driving. Sitting in a car seat for long periods can create discomfort or pain in your back and hips. This can lead to fatigue, making it difficult to focus on the road and raising the chances of an accident. A car seat cushion can alleviate these issues by helping you to stay focused and awake while driving.

Using a car seat cushion also provides you with psychological advantages. Driving comfortably and without pain increases your chances of enjoying the experience and feeling less tired. This can lead to a more positive attitude and a better overall mood. Furthermore, if you are not distracted by pain or discomfort, you can concentrate on your surroundings and make better driving decisions.

Types of car seat cushions
Several types of car seat cushions are available, each with its own set of benefits. Memory foam cushions, for example, are made to conform to the curve of your body and provide customised support. Gel seat cushions contain a cooling gel that can help you regulate your body temperature and avoid overheating. Other car seat cushions are made of permeable textiles that can help avoid perspiration and discomfort in hot weather.

Furthermore, while utilising a car seat cushion can bring several benefits for your back and hips, taking care of your general health and well-being is critical. Purchasing health insurance can ensure that you have access to the medical care you require in the event of an accident or injury. With many policies and options available at your fingertips, buy health insurance online is now easier than ever.

In conclusion, the car seat cushion can benefit your back and hips while driving. By providing additional support and cushioning, improving posture, promoting better circulation, reducing fatigue and discomfort, and even having psychological benefits, a car seat cushion can make a significant difference in your overall driving experience.

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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.

With the world evolving, more changes are being made for a sustainable environment. One such significant development has taken place in terms of electric vehicles. They are cost-effective and eco-friendly fuel alternatives and will likely be the future of the automobile industry.

Electric vehicles have gained huge popularity and fame in a very short time. Over 19 lakh people are driving electric vehicles on Indian streets today. The Indian government has prompted the purchase of electric vehicles by giving a lot of incentives. These incentives can be availed by all individual buyers who want to invest in an electric vehicle and save the environment.

Since 2019, the Indian government has presented numerous schemes and rules in the budget for individual buyers. One of the most enticing schemes of these is the exemption of taxes. Whenever someone buys a new electric vehicle, they can save a lot on taxes. Surprising, right? Well, we will help you navigate through the details of this scheme in the article.

If you plan on buying an electric scooter or car, you should also buy new car insurance or two-wheeler insurance to keep your vehicle safe. Insurance is a worthwhile investment and a reliable resource to ensure financial safety during an emergency.

Now, let's look at the specifics of the incentives that the Indian government has specified for electric vehicle owners.

What is 80EEB?
Everyone looks at various ways to save taxes during the financial year's end. The 80EEB was introduced by the Indian government in the year 2019 for the promotion of electric vehicles. In the 2019 budget, it was indicated that an individual could claim up to Rs. 1.5 Lakhs deduction on their interest for a vehicle loan. This vehicle loan should be issued to purchase an electric vehicle.

Under this Income Tax Act, taxpayers can claim this deduction only once in an assessment year. The loan must be taken out for the purchase of an EV only. It will not work for any other vehicles, including hybrid models. The loan interest will be deducted for individuals only. It will not work for businesses or organisations.

Another important aspect concerning this vehicle's purchase includes the deduction in the Goods and Services Taxes. To promote the buying of EVs, the GST on the vehicles has been reduced from 12% to 5%.

Which vehicles fall under section 80EEB?
Not all vehicles fall under section 80EEB. You must know the specifics of the vehicle before you file a deduction in the interest. Under this section, any vehicle equipped with an electric motor powered by an electric battery is deemed eligible. The EV motor operates on the conversion of electric energy into mechanical energy.

What are the terms and conditions for claiming the deduction?
Let's summarise the terms to make it easy for you to make a decision
● The loan should be taken out for the purchase of an EV only
● The deduction is only offered on the interest amount of the loan
● The loan will benefit only individuals
● The loan should opt from a reputable financial institution
● The deduction claim can only be extended up to Rs 1.5 Lakhs. It cannot be exceeded.
● The deduction does not apply to an organization, a company, or a partnership firm

These are some of the most important pointers that you should keep in mind while you're buying an electric vehicle. With an EV, you can contribute to the environment and save substantially. It is high time that we switch to options that are eco-friendly and beneficial to the environment. You should also buy new car insurance whenever you decide to purchase a new EV to safeguard it from loss due to damages.

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.

Natural calamities like floods are unpredictable and can cause significant damage to life and property. They can disrupt normalcy and leave people struggling to cope with the aftermath of the disaster. Floods are dangerous and can cause financial instability if you are unprepared for them. Are you wondering how to safeguard your finances from the damages done by floods?

Personal accident insurance plans offer a range of benefits that can help minimise the impact of natural disasters such as floods. These insurance plans cover accidental injury, disability, and death caused by floods. They can help cover medical expenses, loss of income, and even temporary accommodation expenses.

In this blog, we will discuss in detail why personal accident insurance is essential during floods and how it can help protect you and your family during such natural disasters.

1. Protection against accidents
Floods bring along with them the possibility of several accidents. Personal accident insurance plans provide protection against accidental injury, disability, or death caused by floods. The coverage can provide financial assistance in case of medical expenses, temporary or permanent disability, or even death.

2. Medical expenses
During floods, medical expenses can rise significantly due to increased waterborne diseases. Personal accident insurance plans can help cover medical expenses, which can be a significant financial burden, especially for low-income families.

3. Loss of income
Floods can also result in loss of income for those who work in affected areas. Personal accident insurance plans can provide financial assistance in the form of compensation for the loss of income.

4. Quick disbursement of funds
Personal accident insurance plans usually offer quick disbursement of funds, which can be crucial during emergencies such as floods. In the aftermath of a flood, you may need immediate access to funds to cover medical expenses, temporary accommodation, or repair damages. Personal accident insurance plans can provide this quick access to funds when you need them the most.

5. Affordable premiums
Personal accident insurance policies are generally very affordable, with premiums much lower than other insurance policies.

6. Easy to purchase
Personal accident insurance policies are easy to purchase, and the application process is usually straightforward and quick. You can visit the websites of the insurance companies and apply online with a simple process which is a matter of a few clicks.

7. Offers customised coverage
Personal accident insurance policies can be customised to meet the specific needs of the policyholder. This means that the policyholder can choose the level of coverage they need based on their individual circumstances and budget, ensuring they have the appropriate protection during floods.

Personal accident insurance plans provide peace of mind during floods. Knowing that you are covered in case of any accidental injury or disability can help alleviate the stress and anxiety that comes with such natural disasters. Apart from the primary coverage, personal accident insurance plans also offer additional benefits such as ambulance coverage, hospitalisation expenses, and accidental death benefits. These other benefits can provide further financial assistance during floods.

In conclusion, floods can be devastating, but personal accident insurance plans can provide financial assistance during these difficult times. The coverage offered by these plans can help reduce the economic impact of accidental injury, loss of income, medical expenses, and property damage caused by floods. It is essential to have personal accident insurance plans to protect yourself and your family during natural disasters like floods. They are affordable, customised to suit your needs, and offer flexible payment options, making it easier to manage your finances in times of distress and danger.

Click HERE to learn more about the 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.

The popularity of CNG vehicles has grown recently due to developments in fuel storage technology. CNG is a common fuel alternative for fleet cars since it is more affordable than petrol or diesel. It is a fuel of compressed methane gas kept in high-pressure cylinders inside cars. CNG vehicles have various designs, including sedans, SUVs, and pickup trucks.

CNG refuelling stations are now widely available at petrol stations, making refuel easier for car owners. There are several benefits of driving a CNG fuelled car, but there might come an instance where the gas would catch fire. This is a rare condition, but we cannot neglect the probability. Let's dive deeper into the topic to understand the causes of fire in CNG cars and how to stay safe.

While we're discussing car safety, it is crucial to invest in reliable car insurance. Various car insurance online India plans have grown in registration over the past few years due to their practicality and usability. However, the type of fuel the car runs on can affect the insurance cost and policy features.

Causes of fire in CNG cars
1. Fuel leaks
One of the main reasons for fire in CNG vehicles is fuel leaks. Because the fuel is kept in high-pressure cylinders, leaks could result from any damage to the fuel system. Due to its extreme flammability, CNG can catch fire when touched by heat or sparks.

2. Accidents or collisions
CNG vehicles are more likely to catch fire in an accident or collision. In a crash, the high-pressure cylinders holding the CNG fuel may break and catch fire.

3. Refuelling
In CNG vehicles, refuelling might also be a fire hazard. Transferring fuel from the dispenser to the high-pressure cylinders entails the creation of a static charge, which has the potential to ignite the fuel.

4. Inadequate maintenance
Routine maintenance is necessary to ensure the system operates properly. Components may become worn or damaged if the fuel system is not maintained.

5. Temperature extremes
The fuel system may be damaged or malfunction due to the fuel's ability to expand or contract under extreme temperatures.

6. Electrical malfunctions
In CNG vehicles, electrical issues can potentially result in fires. A malfunction in the electrical system might cause fuel to overheat and ignite because the electrical system and fuel system are interconnected.

Safety tips for CNG vehicles
When driving a CNG vehicle, certain safety precautions must be taken. Here are a few tips for driving a CNG vehicle safely:

1. Inspect the CNG kit regularly
Check the CNG kit frequently for any indications of wear and tear. If you see anything odd, get it fixed straight away.

2. Turn off the CNG supply when not in use
Turn off the CNG supply valve when the automobile is not used to stop gas leakage.

3. Don't overload the car
An overloaded CNG car may have high cylinder pressure. Observe the recommended weight restrictions for your vehicle.

4. Install your CNG kit at a certified shop
To ensure that a CNG kit is installed accurately and safely, it must be done by a workshop that has received certification. Before using the kit, always request a certificate of installation.

5. Avoid smoking in vehicles
Due to its extreme flammability, CNG can catch fire when in contact with a spark or flame. Therefore, avoid smoking or lighting cigarettes inside the car.

6. Maintain good ventilation in the car
For CNG vehicles, proper ventilation is essential to prevent gas build-up. To keep the car well-ventilated, keep the windows open at all times or turn on the air conditioner.

7. Observe traffic laws and drive safely
Drive safely and follow the regulations of the road to prevent collisions. In an accident, shut off the CNG supply immediately and leave the vehicle.

8. Avoid keeping anything flammable in the car
The fire or explosion risk increases if flammable items, such as petrol, aerosols, or chemicals, are kept inside the vehicle. Avoid keeping these things in your car.
CNG is a preferred alternative fuel for vehicles due to its affordability and minimal environmental impact. However, compared to traditional gasoline-powered vehicles, CNG vehicles have a higher chance of catching fire. Following the proper safety precautions and being aware of the causes will help prevent them and guarantee safe driving. In India, CNG car insurance operates similarly to insurance for other types of vehicles. Before buying car insurance online India, thoroughly studying the policy terms and conditions is advised.

Click HERE to buy car 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.

Cyclones are natural disasters that can take place anytime without any prior notice. In a country like India, where the weather conditions are uncertain, it is best to be cautious and always prepared. Before a cyclone hits, you should be prepared with all the necessary steps to counter it well.

Cyclones can also wreak havoc on electronics, an essential part of our daily lives. If you live in an area prone to cyclones, taking precautions to protect your electronics from damage is essential. In worse cases, if your electronics are not protected, they can result in shocks or even short circuits. This can lead to heavy damage to life and property.

Hence, we have curated this article with all the necessary steps and precautions to take in case of such an emergency. It is better to be prepared now than to be sorry later. You should also opt for the best home insurance in India to keep your house safe and protected.

1. Unplug all your electronics
The first thing you should do is unplug all your electronics. This includes your TV, computer, gaming console, and other electronic devices. Cyclones can cause power surges and electrical outages that can damage your electronics. Unplugging them will protect them from these potential dangers.

2. Keep electronics in a safe place
Store your electronics in a safe place where they will not be exposed to the harmful elements. This could be a closet or a room less likely to be affected by the cyclone. If you live in a low-lying area, consider storing your electronics on a higher floor of your home. You can also use waterproof containers to protect your electronics from any water damage. Make sure to choose a safe, dry, and cold place.

3. Do not use your electronics
Avoid using your electronics during the cyclone. This will prevent them from being damaged by power surges or other electrical problems. It is also a good idea to avoid using your electronics until the cyclone has completely passed and you are sure that it is safe to use them.

4. Make use of surge protectors
Use surge protectors to protect your electronics from power surges. Lightning strikes and other common electrical problems during cyclones can cause power surges. Surge protectors will help absorb any excess voltage and protect your electronics from damage.

5. Use plastic on electronics
If you cannot move your electronics to a safe place, cover them with thick plastic sheets. This will protect them from water damage and other debris flying around during the cyclone. Make sure the plastic covers the electronics completely. Also, keep the plastic securely fastened to the devices to prevent water from getting inside.

Cyclones can be very dangerous and can cause a lot of damage to your electronics. By following these tips, you can help to protect your electronics from damage during a cyclone. You must prepare yourself and your family members before dealing with a natural disaster.

Take all the necessary steps in advance to not regret anything later. Most importantly, don't panic and try to stay calm. Take shelter under objects that can protect you from falling debris. Patiently wait and hold your position until the cyclone passes and any help reaches you. You should also sign up for the best home insurance in India for the added security of your home. It will help you tide over natural disasters with the support of financial coverage.

Click HERE to buy the best home 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.

Have you ever noticed black spots on your car's body that do not seem to go away? Despite washing and cleaning the car, you still find them there. Then, you're unaware of the fungus that can grow on your car body.

Black spots on a car can be a common problem for car owners. Many people assume that these spots are caused by dirt or grime. However, in some cases, these spots may be a type of fungus. It usually grows on the car's surface and can be a hassle. It not only spoils your car's appearance but can also be difficult to remove.

If you are also struggling with a similar issue, this article is just for you. We will walk you through everything you should know about car fungus. We have also listed ways to remove these spots and clean your car. Also, to keep your vehicle covered against all mishaps and financial worries, you should look for a good motor insurance company that provides the best insurance.

What are the black spots on cars?
Black spots on a car are often caused by a type of fungus called Alternaria. This fungus thrives in warm, humid environments and can grow on various surfaces, including the car's surface. It is most commonly found in areas with a lot of moisture. It is also common during the monsoon season.

When the fungus grows on a car, it forms small black spots on the surface. These spots can be difficult to remove and appear unsightly on a vehicle with light-coloured paint.

How to prevent black spots on your car?
Preventing black spots on a car starts with keeping the car clean and dry. This means washing the car regularly, especially after it has been exposed to rain or moisture. It is also important to dry the car thoroughly after washing it. There should not be any remaining moisture that can provide a breeding ground for the fungus.

Another way to prevent black spots on a car is to park the car in a covered area, such as a garage or carport. This can help to keep the car dry and reduce the risk of fungus. If you live in an area with high humidity or a lot of rain, investing in a car cover may be a good idea. This can help protect the car from moisture and prevent fungus growth.

How to treat the black spots?
The ways and means to treat the black spots on your car are as follows:

1. Use a specialised fungus remover
These products are designed to remove fungus and can be found at most auto supply stores. Follow the instructions carefully and wear gloves and eye protection when using these products.

2. Vinegar and water mixture
You can use a mixture of vinegar and water to clean the affected areas. This solution can help to kill the fungus and remove the black spots. Mix equal parts vinegar and water and apply the solution to the affected areas with a clean cloth. Rinse the area thoroughly with water and dry it completely after cleaning.

3. Take the car to a professional
You can take the car to a professional detailer to have the black spots removed. A detailer will have the equipment and expertise to remove the spots without damaging the car's paint.

Black spots on a car can be a nuisance for car owners, but they can be prevented and treated with the right care and attention. You should take the necessary steps for your car whenever you spot any black spots on the car's surface.

To keep your car safe and secure, look for a good motor insurance company that offers the best policies at an attractive premium. It is advisable to invest in a comprehensive cover that will compensate you totally if your car faces severe damage.

Click HERE to buy a policy from the best motor insurance company.

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

Physiotherapy is the treatment of an injury or a disease by exercise, heat, light, muscle strengthening, etc. It is useful in treating joint, muscle, and nerve pain. Physiotherapy uses different therapies such as short-wave diathermy, ultrasonic, and muscle-strengthening methods to cure a patient.

Physiotherapists use several physical aids and equipment in their physiotherapy centres that assist in the treatment process. While some devices are big and immobile, few are handy and can be used at home. Let us have a look at a few of them.

1. Small pelvic traction kit
A pelvic traction kit helps in a therapy program to restore, relax and realign the spine and improvise circulation, flexibility, and mobility. It helps to cure lower back disorders and relieves pain in the lower back, hips, and legs.

There are two types of small pelvic traction kits. The first is a skin traction kit in which adhesive tape or other types of strapping is attached to the limb. The other one is a spine traction kit useful in treating fractured bones. The spine is stretched, which helps to relieve the nerve pressure.

Small pelvic traction kits are now available, which can be installed in our houses. Traction can be applied both manually or through spinal traction devices. This kit is beneficial in treating neck conditions and lower back pain.

2. Grip exerciser
Grip exercisers are also known as hand grippers. They help increase the strength of the hands. They also help bulge the muscles and give our arms a powerful look.

3. Rechargeable heating pads
Rechargeable heating pads are beneficial for relieving aches, cramps, pains, and stiffness of the muscles. They provide heat therapy and promote consistent circulation in your body.

Earlier, we used to get a traditional rubber bottle for performing the same function. Now we have heating pads that work with electricity and can be recharged too. They are very helpful in reducing muscle pain and discomfort in the joints.

4. TENS pain therapy machine
A TENS is a small, portable device that runs on batteries or an adapter with leads connected to sticky pads called electrodes. It is a pain-relieving machine that uses mild electrical current to do its job. It is portable, and you can easily use it at your home. The machine delivers small electrical impulses to the affected areas of your body. You feel a tingling sensation while the electrical impulses reduce the pain and relax your muscles.

5. Wall mounting shoulder pulley
A wall-mounting shoulder pulley is another physiotherapist-recommended physical aid and exercise equipment. It helps in improving the range of motion for people with injuries related to the shoulder. It can also help stretch the neck, shoulder, and muscles of the arm.

6. Rib belt
Bruised and fractured ribs can be healed with the help of a rib belt. It is medical equipment that stabilizes the ribs and gives comfort to them. It is a very comforting belt for those who have just undergone surgery.

7. Knee support
Knee support is a band useful for people suffering from knee pain or those vulnerable to knee pain. It is an inexpensive and useful support equipment to protect the knees or cure the pain in the knee area.

These are some of the physical aids and equipment that physiotherapists recommend having at home. They can help us quickly relieve pain in the joints, muscles, and nerves. Physiotherapy has several advantages, and you do not have to gulp in several doses of allopathic medicines to get relief from pain. Regular usage of such equipment can help to cure your medical problems from the roots.

Physiotherapy is usually needed after you cross the age of 50. Besides these types of equipment, you must choose the best possible health insurance in India for parents. You may need it for problems that physiotherapy alone cannot cure. In such instances, the health insurance policy will take care of your financial liabilities arising from the medical treatment and leave you stress-free and relaxed.

Click HERE to find the best health insurance in India for parents.

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

When it comes to buying a bike, whether it's a scooter, motorcycle, or any other type of two-wheeled vehicle, assessing the many options available in the market can be overwhelming. That's where bike reviews come into the picture. They provide a comprehensive guide to the latest models and trends in the industry, making it easier for you to make an informed decision.

The credibility of bike reviews
When reading bike reviews, it is important to consider the source's credibility. Reviews from reputable sources, such as established publications or experienced riders, are generally more reliable than reviews from unknown sources. You can visit different articles or watch online review videos to get more clarity on your decision.

Reading reviews from multiple sources
To get a well-rounded understanding of a bike and its features, reading reviews from multiple sources is a good idea. This will give you a variety of perspectives and opinions on the bike, helping you to decide on the model that fits your requirements. For honest feedback, you can even ask for reviews from existing owners of the two-wheeler you wish to purchase.

Benefits of reading bike reviews
Reading bike reviews offers many benefits, such as staying up-to-date on the latest trends in the industry, comparing different models and features, and finalising your budget.

Latest trends in the bike industry
The bike industry is evolving and constantly introducing new models with additional features. Here are some of the latest trends in the industry that you should know about:

● Electric two-wheelers: With a growing focus on sustainability and reducing carbon emissions, electric two-wheelers have become increasingly popular in recent years. Rechargeable batteries power these vehicles and offer a more environmentally-friendly alternative to traditional petrol-powered two-wheelers.

● Smart technology: Two-wheelers are becoming smarter by integrating advanced technology such as Bluetooth connectivity, GPS navigation, and smartphone integration. This allows riders to stay connected and access important information on the go, improving safety and convenience.

● Lightweight materials: Lightweight materials such as carbon fibre and aluminium are used more frequently in manufacturing two-wheelers, making them lighter and more agile on the road. This improves performance and manoeuvrability, allowing riders to enjoy a smoother and more comfortable ride.

● Safety features: Two-wheelers have more advanced safety features such as anti-lock braking systems (ABS), traction control, and automatic emergency braking. These features help prevent accidents and improve the overall safety of riders on the road.

● Customisation: Two-wheeler manufacturers now offer a wider range of customisation options, allowing riders to personalise their vehicles to their unique preferences. This includes everything from custom paint jobs to aftermarket accessories and performance upgrades.

The importance of setting a budget
Bikes can range in price from a few thousand to several lakhs of rupees, depending on the model and brand. Setting a budget beforehand allows you to compare your options and choose a bike that fits your budget.

Importance of 2 wheeler insurance online
When you purchase a bike, it's important to consider purchasing 2 wheeler insurance online. Not only is it mandatory by law to have third-party insurance coverage for your vehicle, but it can also provide financial protection in case of accidents, theft, or other unexpected events. By purchasing 2 wheeler insurance online, you can compare policies from different insurance providers, choose the one that best fits your needs, and easily make payments and file claims online. This can save you time and hassle, allowing you to focus on enjoying your bike with peace of mind.

Bike reviews are a comprehensive guide to the latest models and trends in the industry. By reading reviews, you can stay up-to-date on the latest advancements in the industry, compare different models and their features, and decide on a bike that meets your needs and fits your budget.

Click HERE to buy the best 2 wheeler insurance online for your new bike.

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.

Most drivers would agree that driving is a non-challenging task for the most part. Driving on straight, flat roads is a breeze if you practise lane driving and indicate clearly. New drivers face issues only when they face inclined roads. Greatly dependent on the driver’s skill, confidence, judgement, and the slope gradient, with the following tips, you can zip through meandering bends on slopes with ease!

While perfect control over the ABCs- Accelerator, Brake, and Clutch can help prevent accidents, car insurance helps minimise the financial damages that result from accidents. Therefore, before you take on the task, purchase a comprehensive car insurance policy that covers the risk of any mishaps you may encounter on your driving adventures.

1. Do not panic
The first step towards driving failure is panicking. Approach the situation level-headedly when you spot an incoming inclination. It is natural for the car to roll back while you steer it upwards. However, with your right leg ready to switch from the accelerator to step on the break and your left hand ready to engage the hand brake, clear assessment can help you avoid collisions on your ascent.

2. Avoid paddling
Paddling is a technique that relies entirely on car pedals. It requires great concentration and skill to gauge when to switch between the brake and the accelerator. It eliminates the need for handbraking. Drivers start the climb by engaging the clutch and brake before putting the car in first gear. When the gear is engaged, you must shift from the brake to the accelerator while slowly releasing the clutch.

You need to ensure that the pressure applied on the accelerator is not too hard, as it ruins the pedal functioning in the long run. It also adversely affects the car’s engine and excessively consumes fuel. Considering that car insurance does not compensate for accidents caused by engine damage due to long-term use, it is best to avoid the technique.

3. Familiarise yourself with the handbrake
Straight, flat roads do not require drivers to use the handbrake regularly except while parking. However, using the handbrake while starting your vehicle on inclinations is ideal. Ensure that you are used to engaging and disengaging the brake lever. While most automobiles have a standard handbrake, some may have an awkwardly placed or difficult-to-engage lever that you must familiarise yourself with before tackling slopes.

4. Use diesel-induced torque efficiently
Diesel cars have an advantage over petrol or CNG vehicles in terms of engine torque. Torque is the ability of the car to perform, which is directly impacted by its fuel. A diesel-fueled car on inclined roads is ideal for faster acceleration and a firm grip, minimising the chances of rolling back.

5. Maintain distance from the car ahead
While maintaining a safe distance is necessary on all roads, slopes are critical to prevent collisions if the car ahead rolls back. This prevents you from panicking and making poor decisions due to a lack of time to act.

6. Stick to lower gears
The lower the gear, the lesser the resistance and the easier the climb. While starting the climb, stick to the first gear and move up to the second or third gear at most if the inclination gradually reduces. If you feel your car rumble, reduce your acceleration, engage the clutch, and drop the gear to prevent your engine from shutting down.

7. Use the handbraking technique
The paddling technique used moderately while relying on the handbrake is the best approach for uphill drives. While ascending, the car is put in first gear and accelerated slowly immediately upon release of the handbrake. This makes the car move forward. To take the vehicle further, apply pressure on the accelerator and slowly release the clutch.

Driving upwards on a slope may initially seem daunting, but even beginners can ace the task with adequate practice. As a precautionary mechanism, one must always purchase car insurance with a sufficient sum and coverage to minimise the cost of accidents and allied damages.

Click HERE to buy the best 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.