GENERAL INSURANCE BLOG

If you get to have a conversation with a motorhead, you'll probably hear them say that the joy of riding a motorbike comes second to none. A feast for the senses, riding is exhilarating and comforting to motorcyclists. It fosters joy, excitement, thrill, and pleasure. When you ride, you feel liberated, and there is always something new to discover and learn when you're on the roads.

Life throws a lot of experiences at you while on a motorbike trip. You can learn a lot about yourself and others while you are steering your way through the places and covering distances. Bike trips are much more than fun. Such trips can be a great way to connect to your deeper self and unravel fresh experiences and valuable lessons that may change your perspective towards life.

Here are a few life lessons that you can learn when you set out for a bike trip.

1. You’re a tiny but important part of this world:
As a motorcyclist, you share the road with fellow riders. It’s important to respect each vehicle on the road. So, consider yourself important as your discipline makes a significant contribution on the road.

2. Life is too short:
We all have witnessed reckless drivers—cutting into lanes without proper signals, speeding in single lanes, and whatnot. Viewing any mishap or accident is a terrible experience during your long riding trip, but you realize how suddenly things can change. It makes you more careful and appreciative of everything as they are here and now.

3. Focus on your goal:
While driving a car, drivers often engage in distracting activities like adjusting the AC knob and tuning to a radio station. But when you're riding, it's just you, your bike, and the road. There are no distractions, and you just concentrate on the road in front. Likewise, we must focus on what is essential in life. Concentrate on the future and don’t allow minor inconveniences to detract you from your ambitions in life.

4. You learn to let go your ego:
As we said, we've all seen our fair share of terrible drivers. Sometimes you are triggered and obliged to accept the situation because you cannot confront every other vehicle on the road. You learn to swallow your ego and remain patient to handle things maturely. Staying calm and tackling problems with patience is not less than any winning formula to live happily.

5. Practice makes an individual perfect:
No one is born perfect, but we can ace any talent with positive intent and dedicated practice. Every ride you take fills you with new experiences and learnings that you can ponder and do better on your next ride. Consistency and a positive mindset are vital to master your fears and weaknesses.

When you are riding, relax your soul and enjoy the present moment. There's plenty to experience even in the most unlikely locations. Hop on the motorbike and discover life like never before. Like life, the roads are uncertain; but something certain is ensuring safety. This is yet another lesson that bike trips teach us; to be responsible for your safety and possessions. So, be responsible and purchase bike insurance for the additional protection of your bike. You may surf through multiple bike insurance online and buy the one that assures value for money.

Click HERE to get bike insurance online.

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

People's concern over their health and fitness has increased since the outbreak of Covid-19. Due to the ongoing pandemic, we have all been practicing social distancing. It has become evident that we don't need a gym membership to keep ourselves fit. Instead, health from home has become just as popular as work from home.

There are multiple applications, websites, and tutorial videos available online to guide you through a proper workout regime. Whether you have registered for a virtual fitness class or have decided to go solo in your home gym, many types of equipment will help you maintain a healthy body and hopefully relieve your stress.

So, here are a few recommendations for home-workout equipment helpful to achieve your fitness goals.

1. TRX GO All-in-One Suspension Training:

This set is perfect for a full-body workout. It's lightweight, affordable, convenient, and portable. The seven-piece set includes full-body training tools for exercises at home, outdoor, or on the go. It should be a part of your house to feel like you have a private gym.

2. Yoga Mat:

A mat isn't just for yoga. It is helpful for bodyweight exercises like stretching and core work out since it makes them comfortable and easier to do. Mats are affordable, long-lasting, and require no maintenance. In addition, they have a good endurance ability to withstand pressure and give total comfort even while doing difficult yoga asanas.

3. Resistance Bands:

The main use of a resistance band is stretching and strength training. It can be used to work on every muscle group in your body. There are even more exercise options when it is fastened to a post or a door and helps you improve your posture while building muscles. Easy to use, it can be your on-the-go fitness aid.

4. Treadmill:

Walking is the most efficient exercise for any age group. But, many of us, with our busy schedules, have limited space and time for our daily physical activity. So that makes the treadmill a relatively easy piece of workout equipment to use.

5. Ankle Weights:

Ankle weights help you diversify your at-home workouts. They make your lower body workout more effective and are highly recommended if you aim to increase your speed.

Choose your at-home workout equipment based on these three criteria:

1. Cost - Figure out the amount you are willing to spend on your home gym and look for items that fit your budget.

2. Use - Determine your personal goals; if you intend to work out to lose weight, build a muscular body, or straight-up gain strength and maintain overall fitness. Then select gears that provide you functions related to your personal goals.

3. Space - If you live in a city apartment, sharing it with other flatmates, you may only have your bedroom for a home gym. So pick wisely, considering the actual storage space you have.

While choosing the best home workout equipment, remember to decide on a smart health insurance plan for you, too. Physical activity and a healthy lifestyle prevent diseases, whereas health insurance provides financial security against these diseases.

Start planning your home gym today, and once you start working out, be regular and never miss a day.

THINKING ABOUT THE PERFECT HEALTH INSURANCES FOR YOU? CLICK HERE TO KNOW MORE ABOUT THEM…

There is no denying that many outdated vehicles are still plying on Indian roads, causing massive pollution. Therefore, the Government of India has unveiled the Nation's new Vehicle Scrapping Policy. The main object of this updated policy is to get rid of old and unfit automobiles that produce pollution. The government aims to clean up the air, and the efforts are commendable.

If you have an outdated two-wheeler at home and are considering scrapping it, here are some things you should know prior.

1. Mandatory fitness examination:
The procedure of obtaining a fitness certificate would become significantly strict under the updated scrappage Policy. If your two-wheeler is more than 20 years old, you will have to take a fitness test for your vehicle.
Automobiles registered for business use are subject to the fitness standards once they go beyond the 15 years mark. Computerized workshops will be set up around the Nation. This will result in pinpoint accuracy and faster tests.

2. Compulsory end of life vehicle certification:
If your bike fails the fitness test, you will be required to get an ‘End of Life Vehicle certificate’. This is because used automobiles contain dangerous compounds such as lead-acid batteries, lubricating oil, coolant, braking fluid, and catalytic converters. If not disposed of properly, these compounds can contaminate the environment and risk human health and wildlife.

Benefits of scrapping your old bike:
If you're purchasing a new vehicle under the scrappage program, you will receive a 4 to 6% refund off the total price. In addition, state governments can recommend a road-tax credit of up to 25% for personal automobiles and up to 15% for commercial automobiles. In some cases, automobile manufacturers also offer a 5% discount to those who present the 'Scrapping Certificate,' and registration expenses will be waived when purchasing a new vehicle.

Additional pointers to know:

• The policy will not apply to vintage bikes.

• Hybrid and electric bikes are exempted.

• A bike that runs on alternative fuels like CNG is exempted.

When will the policy come into action?
The updated policy will come to force starting with large commercial automobiles, requiring mandatory fitness testing beginning April 1st, 2023. In a phased approach, all other vehicles will be subject to the fitness test starting June 1st, 2024.

Final Say:

The policy is set to come into action in the year 2022; the most crucial stage for the proposed program to succeed is to construct the necessary infrastructure across the nation immediately. As things stand, India has seven computerized fitness test facilities and two official scrappage sites. To meet the market demand, more such facilities are provisioned in coming years.

This policy will encourage the bike sale, benefit the environment, and a step towards a greener future. While benefiting from all the incentives when you dispose of your 2 wheeler, add an extra benefit of insurance to the bundle of happiness. Buy a 2 wheeler insurance online, customize your plan according to your needs, and include the add-ons that can help you when you plan to buy a new two-wheeler after disposing of the old one.

Click HERE to get 2 wheeler insurance online.

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

We all want our cars to stay forever sparkling and perfect, and we do everything in our capacity to keep them brand-new. Still, we cause some damage to the vehicles. It doesn't matter if you are an experienced driver or a learner; we all sometimes make mistakes as a result of particular bad habits.

These incorrect driving habits lead to unnecessary wear and tear to the vehicles and spending more money on repairs in the garage. To avoid it, we have shared 07 driving habits that you might need to look into immediately.

1. Not slowing down at potholes and speed breakers:
At least one-third of the damage to your cars occurs due to not slowing down over potholes and bumpers. It is not practically possible to avoid potholes everywhere you drive, so the least you can do is slow down.
Not slowing down on potholes can cause buckled wheels, lumps in the tyres, and even cracked alloys. The same goes for speed breakers; if you slow down on a speed breaker, you can avoid severe damage to the underside of your car and the exhaust system.

2. Continuing to drive your car at a low fuel level:
People fill up the tank when it reaches the 1/4 mark. At the same time, others push their cars to their limits. If you're the second type, you may be causing damage to your vehicle. When your fuel tank is nearly empty, the car will draw petrol from the very bottom. This may appear harmless, but the base is usually where all the toxins settle and concentrate, and if there is a significant build-up of impurities, it may clog your filters which might enter the engine.

3. Overloading your car:
We all have a habit of leaving something behind in the car, thinking it does not make a big difference. But all this extra load brings strain on your car’s brakes and suspension. Therefore, think twice before loading unnecessary luggage in the trailer next time. Plus, you will also form a habit of keeping your car clutter-free.

4. Smoking in the car:
Smoke from the cigarette makes your car stink. But the problem does not stop there. Over time, the particles from the smoke will mix with the car's material, leading to bad odour and discolouration of surfaces. This becomes tough to get rid of and will eventually deplete the value of your vehicle.

5. Revving your engine too soon in cold weather:
Revving your engine too soon will damage the engine's parts which are not yet lubricated with engine oil. Therefore, allow the engine to warm up properly before revving.

6. Applying brakes too late:
If you are habitual of harshly applying breaks at the last moment, it creates strain on the brake and makes the discs and pads wear out fast. Instead, maintain a steady speed and oversee the obstacles to avoid sudden and harsh braking.

7. Resting your hands on the gear stick:
Keeping your hand on the gear stick can be bad for the transmission because the constant pressure will cause it to wear out much faster.

Take a note of these driving habits that you might be doing unknowingly and keep your car safe from unnecessary damages. Another bad habit that may affect your car’s safety is neglecting your car insurance renewal. It is important to keep your car insurance renewal up-to-date and follow the above tips to keep your car looking and running great.

Click HERE to know more about the car insurance plans.

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