GENERAL INSURANCE BLOG

Do you travel a lot by road? Are you tired of waiting for your turn at toll plazas on the interstate highways or expressways? Do you wish to get done with it as quickly as possible? If yes, then you must get a FASTag! As the name suggests, a FASTag is a tag which is a mean to ensure faster transit across toll plazas. The tag is placed on the windshield of the car and uses Radio Frequency Identification Technology. The tag is scanned by the tag readers placed at toll booths who then deduct the toll amount from the FASTag account. All toll plazas placed along the national highways are now using FASTag for payment of toll as per the guidelines of the government of India.

As the balance in FASTag reduces, the user needs to reload the balance in the linked wallet account or the linked bank account. By eliminating the need for cash payments at toll plazas, FASTag ensures a quicker and smoother flow of traffic.

The following reasons highlight how using a FASTag can help you save time on your journey: -

● Quick payment - As there is a FASTag affixed to your car, you wouldn't have to search your wallet for cash which ultimately reduces the duration of the transaction and your time is saved.

● Less fuel wastag - As you do not need to stop and restart your vehicle, less petrol or diesel is burned, which saves your fuel tank from draining quickly.

● Hassle-free recharge- You can easily recharge your FASTag using various methods like Internet banking, mobile wallet apps, NEFT, RTGS or even your credit and debit cards.

● Message alerts - Every time your FASTag is used, you get an alert SMS on the mobile number registered with the card which ensures the prevention of its misuse.

● Long validity- A FASTag is valid for five years, which means you need not worry about changing it frequently.

● No requirement of cash - The work of cash is taken over by the FASTag. Therefore, it eliminates the necessity of carrying cash for toll payments.

● Online portals- You can check the transactions made using your FASTag whenever you wish using specific web portals meant for the same.

Now, onto some Frequently Asked Questions: -

How to get a FASTag?

To buy a FASTag, you can ask the toll plaza employee for their sales department, or contact authorized agencies or banks that sell them. Many platforms offer car insurance quotes online and sell FASTag as well.

How much does a FASTag cost?

Generally, a FASTag can cost you around two hundred rupees for the purchase, which excludes recharge expenses.

Where is it placed?

FASTags are affixed on the windshield of the car in a very specific manner that allows the scanners placed at the toll plaza to scan it.

How to know if your card has been used?

As stated in the above benefits, a text message is delivered to the registered mobile phone when the FASTag is used. This is a sort of confirmation to the owner that payment has been made.

Do you need to maintain a certain balance?

You don't need to maintain a balance for sure, but yes there is a minimum value for a top-up of the tag which amounts to a hundred rupees.

Where is a FASTag valid?

Throughout the country, a FASTag can be used to make payments at toll plazas regardless of the city or state.

While getting FASTag will help you zoom seamlessly on the highways, do remember to check car insurance quotes online to get protection against possible accidents and incidents while on the road.

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.