GENERAL INSURANCE BLOG

As a car owner, you already know that a vehicle breaking down can be extremely frustrating. After all, they are machines! As a result, you should always try your best to stay prepared for the worst. And if you are in the middle of a highway, you may do a few things to ensure you are safe and protected.

Breakdowns in the middle of a highway can be challenging and cause nightmares. Let us take a closer look at a few steps to get the best benefits while minimising the trouble caused due to unexpected breakdowns.

1. Park your car on the side of the road:
The first thing you need to do when your car breaks down in the middle of a highway is to park your vehicle as soon as possible. It is necessary because it can cause traffic jams and invite accidents. Try your best not to panic and slowly pull the car aside.
Not just that, but you should also remember to turn on your hazard lights to notify the people behind you. This factor will also assist you in avoiding a traffic jam without any difficulty.

2. Call for help:
The second thing you need to do when your car breaks down in the middle of a busy highway is to call a mechanic or roadside assistance company for help. This will make it convenient for you since they send professionals to fix your vehicle or tow it to the nearest garage or service centre. If the issue is fixable, they will do it within a few minutes on the spot so that you are good to go and reach your destination safely.

3. Keep tools in your car and use them:
If you know how to check a dead battery or change a flat tyre, you will be able to fix minor problems without any external help. Always keep important tools in your car at all times. For example, if you get a flat tyre, having a jack and a spare tyre will help you to change it and get to your destination within a short period.

4. Alert the traffic:
If your car breaks down in the middle of a highway, it is crucial to constantly alert and divert traffic. Since the traffic will always be moving, immediately put a triangle with reflectors behind your car to caution other drivers about the breakdown.
In case you don't have reflectors in your car, you can find objects like bushes and stones to create a barricading around your car and use them as a signal to alert upcoming vehicles about your breakdown. This way, you can avoid the chances of accidents due to collisions.

Your car breaking down in the middle of the road can cause panic, but you should try your best to deal with it confidently and with swift actions. Stay calm and think about things thoroughly to acquire the best outcomes. Always take your car to the service centre and get it thoroughly inspected for any problems before you set on a trip.

Make a checklist of important factors to cross-check them before travelling. Get your car insurance renewal before the next premium is due and avoid the policy from lapsing. Services discontinued due to non-renewal can make you lose vital benefits in case of an emergency.

Click HERE to get your car insurance renewal done.

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.

It is annoying to drive in wet weather when the temperatures are slightly lower and your helmet visor starts to fog up. This greatly reduces visibility, making accidents and mishaps more plausible. As accidents and deaths relating to driver negligence in these matters are on the rise, the fines levied on bikers have also been increased so that they are more mindful of it.

The question is, how do you prevent your helmet from fogging up? This blog aims to answer just that.

The science behind fogged helmet visors:
The air you breathe out is always considerably warmer than the air you breathe, that is, the atmospheric air. Especially in colder temperatures, the exhaled air is much warmer than the air outside.
This difference in temperature results in the visor having a very cold surface, which, when brought into contact with the warm air that you breathe, immediately has small water droplets on it. This is the reason behind your fogged helmets. Fogged helmets are a traffic violation, and you might have to pay hefty fines if caught.

Tips for prevention.

1. Balaclavas to the rescue:
A balaclava is a close-fitted piece of cloth, usually made of cotton or wool, which covers the whole head and neck, except the eyes. It is the most effective way to prevent helmet fogging in winter and keep the head and neck warmer.
However, it should be of utmost importance to ensure that the material is of good quality and has good breathability. This is because the cloth might sit on your face for long durations, so it shouldn't be an itchy material and should not hinder the driver's ability to ride the bike.

2. DIY water repellents:
Bringing expensive products to prevent fogging might be a good investment, but it feels even better if the job gets done for free. A few things in your pantry might help with this problem. Putting a thin layer of fabric repellent on your visor can prevent the condensation from staying at your visor.
Being a water repellent, it makes the water slide off the visor. The same can be done with a potato, but you should not rub it too much, or the visor might look milky and obstruct the driver's vision.

3. Give the visor breathing space:
Ventilation is the key to having a clean visor. Open any vents that are available to you. Also, keep the visor cracked open by just a bit, just enough that cool air from outside can come and reduce the difference in temperature between the two areas. You can do this by using a piece of tape.

4. Pin-lock inserts:
This is a costly but sure way to prevent any fog on helmets. It's an additional layer in front of normal helmet visors that stays considerably warm compared to the outer visor, thus eliminating any condensation. If your helmet doesn't support pin-lock technology, you can install a pin-lock into your helmet by drilling two holes into it and inserting it.

Maximum precautions should be taken to keep you, your loved ones, and others on the road safe. However, mishaps might happen. You won't want to drain your finances in the making up for the loss due to such uninvited events. What's the solution? Buy two wheeler insurance India to keep you insured and financially secure.

Click HERE to know more about two wheeler insurance India.

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

Buying your dream car is only half the job done. Maintaining it properly is complex and time-consuming, but it is all worth in the end. Do you know that routine car windshield maintenance is one of car care's most overlooked aspects?

Your windshield gets chipped by a foreign object hitting it, reducing visibility and threatening your safety. You take precious time out of your day to get it fixed for an exorbitant price, only to have it break again at the mildest inconvenience.

This blog tries to understand better why a windshield protection film is a good investment for your car.

What is a windshield protection film, and how does it work?

Windshield protection films are generally made of 3 layers. The topmost layer is a protective layer that safeguards your windshield against scratches and prevents UV rays from entering the car and harming you. The second layer prevents the windshield from cracking, effectively acting as a shock absorber that distributes the force of the debris hitting it. The third layer is mainly for adhesive purposes.

Some of the perks of having a windshield protection film on your car involve the following.

1. Replacing a windshield can be heavy on the pocket:
Despite how easily the glass breaks when something heavy falls on it, the cost of replacing the windshield is not cheap. Also, if you have a luxury car, the windscreen may be connected to other systems in the vehicle, which may need recalibration, adding to the extra expense.
Driving with a cracked windshield is punishable by law. Save yourself additional expenses and avoid being tangled up on the wrong side of the law by installing a windshield at the earliest.

2. Maintaining the car's aesthetic:
Car enthusiasts know how important it is to make your car beautiful inside out. Just like you keep your car's paint job pristine, the tyres filled, and the inside clean, investing in a windshield protector that keeps the front of your car looking smooth is necessary.

3. Keeps you safe:
A cracked windshield can hamper your visibility to a great extent. This might lead to an accident and long-term damage to your car, or worse, you and your family. Also, a windshield protection film will decrease the chances of shattering in lousy weather conditions, such as cyclones or hail. It gives overall protection to your car.

4. Protects against UV damage:
UV rays damage the skin and retinas and cause long-lasting health conditions such as skin cancer and blindness. These films have the added advantage of blocking UV rays so that they can't enter the car and thus, resulting in better health.

Now you know the advantages of having the right windshield protection film on your car. It is vital to make a wise decision that meets your short-term and long-term goals for your car. Select the best windshield protector by discussing it with a trusted mechanic in your area. Just like you plan to upgrade your car's windshield, you need to consider upgrading the car's safety too.

You can achieve this by buying reliable car insurance. Before making the purchase, understand the new car insurance rates of different companies and their policies, and then finalise the one with the best coverage and rate.

Click HERE to know more about new car insurance rates.

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.

Planning family vacations is a daunting task that requires lots of research, budgeting, and scheduling to ensure everyone's availability. While adults' travel options are virtually unlimited, a lot must be considered when you have kids in tow. The climate, accessibility, activities that engage kids, and safety provided by the destination are the usual criteria that parents look for while planning family vacations.

Regardless of the destinations you consider, you must pay attention to purchasing general insurance that covers accidents while travelling. Especially when travelling with kids, it is necessary to be prudent, for which we recommend checking general insurance online quote, which makes the process easier, comparable, and faster.

With the increased means of living and accessibility to foreign countries, there is an increase in outbound vacations. Of the myriad options available for outbound tourism, the European destinations are the most-liked of them. Europe offers charming sceneries, stunning architecture, bustling cities in contrast to the peaceful countryside, and local cuisines palatable to kids. Here is a list of ideal European destinations that make for the perfect family vacation.

1. Rome:
Italy experiences long summer months and short winters, giving tourists plenty of time to explore the country. May to September is the peak tourist season for visiting its beautiful beaches. We recommend visiting Italy between April to May when the weather is pleasant and not too hot. The Colosseum, Spanish steps, and Gladiator Lessons are some of the experiences your family will surely enjoy. The city's delectable gelato, pasta, collection of cheeses, and freshly baked items in bakeries should not be missed.

2. Paris:
Popularly known as the city of love, it is home to gorgeous monuments. However, the city accommodates kids and offers much more to keep them engaged. Jardin du Luxembourg, built by Napoleon, is a 23- hectare park offering activities like sailboating, pony rides, carousels, and marionette shows that will thrill your kids and make for a perfect day out coupled with a picnic.
The city also has several museums dedicated to art, culture, science, and architecture for indoor activities. A magical day at the Disneyland Resort will be the perfect end to your stay in Paris.

3. The Algarve, Portugal:
The Algarve is your best bet if you're looking for an adventurous vacation with plenty of bonding time. Visit its magnificent sandy beaches to lounge, marvel over the natural beauty of the Benagil cave, or participate in surfing, jet boating, or dolphin-watching boat tours. You can also enjoy off-roading, go-karting, and horse riding or visit Zoomarine, Slide, Splash, or Aquashow, some of the region's best water parks.
Considering the risky nature of activities despite the safety of the Algarve, it is essential to have general insurance for your family that covers any accidental mishaps that may occur. Ensure that your insurance covers travel accidents, or consider purchasing one by comparing the general insurance online quote offered by insurance companies.

4. Corfu, Greece:
The famous island offers adventure, expansive pristine coasts, multiple museums, and archeological sites, making it a perfect destination for a family vacation. If you are seeking to lounge and relax, the East coast resorts offer just that and a selection of the finest restaurants and fun activities within the resorts.
The western coast has shallow beaches and sea caves that are a must-visit for adventure seekers. Rent a car and drive around the island while exploring the ruins of castles, museums, and picturesque villages.

Europe offers several destinations that make for ideal family vacations. Valid documents and a passion for exploration are all you require to make the most of your next European family vacation! Get ready to make a plan this holiday season. Also, remember to look for general insurance online quote before you plan your trip.

Click HERE to get a general insurance online quote.

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.