GENERAL INSURANCE BLOG

Public WiFi is widely accessible and enables everyone to use the Internet freely. You can connect your devices to it at cafés, supermarkets, airports, and hotels. This has definitely introduced a universe of convenience into our lives. But, if you connect to public WiFi, keep in mind that nothing is actually secure.

The primary reason for the vulnerabilities associated with public Wi-Fis is that they do not need authentication to access the network, which means that anybody may join the network, providing an excellent chance for hackers to target unprotected devices. Furthermore, even if the connection is password-protected, any user with malicious intentions who has had access to the connection earlier can still attack your device.

We recommend not to connect to public WiFi, but if you must, adopt these precautions to safeguard your device.

1. Set up a VPN:
Virtual Private Network helps keep your internet sessions private. This is a technique of connecting that masks your IP address, encrypts data transfers, and hides your location. This will improve your security and privacy while using public WiFi. Several VPN services are available in the market. Do your research before getting one that is best for you.

2. Check the HTTPS status of websites you visit:
It is a smart idea to double-check that the websites you're visiting utilise HTTPS (HyperText Transfer Protocol Secure), particularly if they seek sensitive information like your passwords and credit card details. Having HTTPS on websites means that data flowing from the device to the website is protected with the help of encryption. This makes hijacking your device extra harder for someone with malicious intentions.

3. Disable the file sharing option:
You can exchange files with other devices when connected to your home network. However, before connecting to a public network, you must disable this option on your devices. Otherwise, anybody with hacking intentions connected to the same network can view your files or infect your device with viruses and trojans.
Research online to know how to disable this option on your device.

Other notable Do's and Don'ts.

Dos:

• Make sure the automatic WiFi connectivity option is turned off.

• Ensure your Bluetooth is not set on 'Always-on' mode. Monitor the Bluetooth connection whenever turned on.

• Invest in a good Antivirus software that also scans all the networks you've connected to.

• Keep comprehensive public liability insurance in India at your disposal (Better safe than sorry)

Don’ts:

• Don't access sensitive information such as bank details over a public network.

• Don't shop online. Why? Because it may need you to enter your payment details, which is very sensitive data to expose on a public network.

• Don't leave your gadgets unattended in public places.

The best method to avoid being vulnerable while using public WiFi is to utilise your mobile data or other private networks. However, if you must connect to a public network, be sure to minimise the risks and remain secure by following the suggestions above. Data is the biggest wealth an individual can possess in today's technologically equipped world. So, it's our responsibility to safeguard our private information by adhering to all network security guidelines and conducting ethical activities online. In addition, don't neglect the benefits of cyber insurance and invest in it as a part of the best public liability insurance in India.

Click HERE to know more about the best public liability 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.

Beaches are no longer just lying down in the sun under a shady umbrella and relaxing by the bay. Beach holidays offer you a new outdoor adventure that is more than a vacation. There are plenty of adrenaline-pumping activities for adventure enthusiasts to get wet and sandy.

From sailing to diving, the countless water sports give you a thrilling experience. Irrespective of your prior experience, you do not want to miss out on these exciting adventures. Let us look at some of the top exciting water sports activities that you shouldn't miss out on your next vacation.

1. Wakeboarding – time to surf beaches and not the internet: One of the most thrilling experiences in water sports is wakeboarding. Similar to snowboarding, wakeboarding involves you standing on the board while a motorboat tows you. Get a chance to feel the force of water that makes you feel the pump of enthusiasm in your body.

2. Water-bike – race through the waves: Another mind-blowing experience that should be on your bucket list is the water-bike. Like motorbikes, you can ride a high-speed waterbike with water splashing all over. It is open for all age groups, but elders also feel the child-like excitement within them. In specific locations, you might even see water-bike races. However, there are specific safety guidelines and precautions for beginners. Once you understand the procedures, you are all set to roll in the water!

3. Scuba diving – life's beautiful underwater: Scuba diving should be on top of the "must-do" list for all the water lovers out there. No prior experience is needed to enjoy life underwater. You can explore the world underwater with all the safety equipment and adore the beauty of marine nature. But before you dive in, please ensure your personal accident insurance plans provides these adventure sports as an inbuilt feature.

4. Parasailing – the sky is the new playground: For people who enjoy seeing the world from above, parasailing is the best adventure. This water sport activity involves you attached to a parachute which is towed by a boat. Parasailing gives you an experience of a bird flying high in the sky, but without the wings. Some places even allow you to accommodate a partner that doubles the fun.

5. Surfing – live life, one wave at a time: Chasing the waves and finding your way is something that everyone should experience at least once. Surfing is not an easy adventure; you need to have the right skills and talent to pull it off. Many surfboard rental places provide a quick and practical guide on how you can surf your way through the waves. It would help if you learned how to maintain a balance, the proper techniques, different riding styles, and more. Once you grasp the basics, it's only you and your surfboard against the waves!

Water sports are the wonderful adventure experience of a lifetime. Although your guide or the expert conducting the water sport activity will ensure your maximum safety, accidents can occur at any time. Take precautions when engaging in water sports with the help of personal accident insurance plans so that you don't miss out on the fun.

Click HERE to know more about the different personal accident insurance plans you can buy before your next beach trip.

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 you buy a new car, the seller offers you a warranty for a certain period. A warranty is an assurance claiming that any vehicle repairs or replacement of parts will be done in case of a manufacturing defect. A warranty is paramount because a vehicle consists of various mechanical parts, and it assures you a hassle-free car ownership experience.

Many owners are unaware that the warranty is subjected to certain factors. Owners commit a few mistakes which void their vehicle’s warranty. Here are a few factors that can hamper your new vehicle’s warranty.

1. Electrical modifications:
One common reason people lose their car warranty is making unapproved electrical modifications. Many users make several electrical changes, including installing music systems, high-intensity headlamps, fog lamps, etc., from unauthorized stores. It leads to the failure of the existing electrical systems in the car due to tampering with the original wiring. It is advisable to rely on installing only the standard and branded electrical systems in your vehicle to save future costs and lower the possibility of warranty void.

2. Racing and reckless driving:
Using your regular passenger car for racing can put a lot of wear and tear on the vehicle as compared to driving normally on the road. Manufacturers keep records of license plates from racing events or reckless driving to deny your warranty claims. Rash driving usually ends up in severe unfortunate accidents, and if you are responsible for any mishap, the car manufacturing company won’t consider your car’s warranty.

3. Usage of unauthorized spare parts:
When you buy a car, you are provided with some spare parts. The car manufacturers assure these parts. However, not using original spare parts can affect your vehicle’s performance and thus hamper the warranty.

4. Irregular service:
A vehicle requires maintenance, and every car manufacturer recommends servicing your car at specific intervals. After purchasing it, failing to take care of your car can degrade its performance. On the other hand, getting your car serviced from a local unauthorized service center can affect its efficiency.

5. Flooding and natural disasters:
Remember that the seller will only conduct free repairs and replacements if there is a fault from the manufacturer’s side. If your vehicle was left unsafe during floods or other natural disasters, the warranty would not cover any such damages. Therefore, you must do whatever you can to protect your car during environmental emergencies.

6. Tampering the odometer:
Your vehicle’s odometer is one of the essential parts of a car. It indicated when it’s time for you to take your car for servicing. It can influence the amount you pay for a pre-owned car. Changing the odometer reading is considered fraud and will ruin the warranty.

To make sure your car’s warranty and your rights are protected, you must make sure that you follow the car manufacturer’s instructions and read the warranty policy thoroughly. If you have already voided your car’s warranty, you cannot claim free repairs and replacements. What you may want to consider here is getting an independent online motor insurance renewal for your vehicle to make sure you are covered, with or without a warranty.

Click HERE for online motor insurance renewal.

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

Throughout the years, a large percentage of women have taken up motorcycle riding as a passion. With the number of riders rapidly increasing, this hobby is no longer associated with one gender. A little hand in organizing goes a long way. From a newbie rider to a professional, we have developed a list of valuable suggestions that can help women riders.

1. Choose the correct gear:
Wearing the right accessories is one of the preventative strategies. To begin, ensure you have a properly fitting full-face helmet. Purchasing these items is well worth the money since it will protect you from unfortunate mishaps.

2. Tie your hair correctly:
Women with longer hair should not leave it untied while riding. Loose hair can disturb your vision or cause discomfort, which can be disturbing when handling the bars. Tie your hair in an appropriate way to get an uninterrupted riding experience.

3. Ride at your ease:
Even if you are a seasoned rider, riding at your own pace is critical. Some aspects, including seat height, riding stance, and suitable clothing, might have a severe influence on your riding.

4. Deal with the mechanic smartly:
Firstly, go to the garage only if the problem seems severe and out of your control. Try fixing it by yourself. If not, then you may take your bike to the mechanic. Some mechanics try to fool female riders and charge more than the standard pricing for the repairs. Acquaint yourself with the knowledge of bikes and their parts to avoid getting scammed by such people.

5. Learn the basics of maintaining your bike:
It is beneficial to understand how to keep your bike in shape to improve efficiency. You will be better acquainted with your motorbike while also saving some bucks.

6. It is preferable to wear snug-fitting clothes:
Avoiding loose garments is one of the most significant factors. Your loose clothing may increase the chances of getting caught on something due to the rapid pace. To prevent this, you can wear sleek, comfy clothing.

7. Get your registration and licence:
Two vital considerations are a bike registration certificate and a driver's licence. Make sure you have a valid driver's licence before riding a motorcycle.

8. Begin your journey on a small bike:
A general recommendation is that you begin your biking experience on a small bike, with which you may acquire a fundamental understanding of motorbikes. Eventually, you can choose whatever bike you like.

9. Plan your routes:
Plan beforehand if you want to spend a good deal of time on back roads or highways where you can cover more ground in less time. Remember that even if a highway does not offer you the scenery you hoped for, planning is always safer and will get you to your destination sooner.

10. Have your bike insured:
2 wheeler insurance is also a must for your bike. Third-party insurance is made a compulsion for a motorcycle under the Motor Vehicle Act of 1988. Remember to keep your 2 wheeler insurance policy active by updating it before it lapses.

Despite being a beginner rider or a pro, it is equally vital to consider the safety requirements to minimize unanticipated incidents. These aforementioned riding tips for women will be beneficial throughout your adventure.

Click HERE to get the best deal on 2 wheeler insurance.

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