GENERAL INSURANCE BLOG

We often see new models and designs of the buses plying in the neighbourhood. These buses with new technologies are not only designed to look aesthetically pleasing but also to support aerodynamic needs and the vehicle’s functionality.

Bus engines and their placements play a crucial role in the handling of the bus, its performance, and impacts the passenger experience. It is difficult to make a call as to which engine is better suited for the bus. Various characteristics factor into what kind is better, and we will look at them.

In this article today, we will discuss the pros and cons of rear and front engine buses so that you can have a detailed understanding of both options.

Benefits of the rear engine:
1. The rear engine does not block the centre or the front of the bus, thus making it easier for passengers to walk and aiding in the free flow of traffic.
2. Rear engine buses are comparatively lighter than front-engine buses.
3. The rear-engine buses have a quieter cabin due to the location of the engine at the rear. This gives a better driving experience for the drivers with less disturbance from the engine noise.
4. It aids in better visibility and comfort for the driver.

Disadvantages of the rear engine:
1. The engine takes up space in the back, thus providing lesser luggage space.
2. Rear engine buses are more expensive as compared to front engine buses.
3. Since the vehicle’s entire weight upon an uphill journey is concentrated on the back, it becomes difficult to traverse hilly roads.

Now, let's look at the merits and demerits of the front engine.

Benefits of front engine:
1. The weight of the bus is well balanced on all wheels.
2. The different parts of the bus, such as the engine, clutch, etc., are easily accessed for any repair or maintenance.
3. Better cooling since the radiator is attached to the front, and it gets a natural draft of air due to the forward movement of the bus.
4. There is more luggage space at the back of the bus.

Disadvantages of front engine:
1. Since the engine is in the front and amidst passengers, it can be loud for everyone.
2. Heat emanating from the engine makes driving inconvenient.
3. The horizontal steering becomes challenging to maneuver for drivers.
4. Reduced cabin space due to the presence of an engine in the cabin.

These are some of the benefits and disadvantages of each of these buses and their engine types. It is difficult to say which is better simply based on the positioning of the engines. Various other factors, such as fuel efficiency, driving comfort, the safety of people on-board, etc., are to be considered when investing in heavy-duty vehicles. This article solely focussed on the engine type to help you understand the different functionalities of said buses.

Even when investing in the best option available, you have to take care of your vehicle’s regular maintenance and upkeep. Keeping a tab of service cycles, investing in good motor insurance, and timely online motor insurance renewal is crucial for your vehicle’s longevity and efficient functionality. Hence, do not skip on these essential aspects of vehicle care.
Regular maintenance can help you extend the lifetime of your big machines. At the same time, motor insurance acts as a safety net to guard you against any expense that you might incur due to accidents, thefts, or other forms of damage.

Click HERE to know more about 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.

Summers in India are pretty difficult to handle as the temperature can exceed over 45 degrees celsius, making it arid and humid. Humans can quickly get affected due to such hot weather, and it becomes unbearable to travel anywhere. While you can take care of yourself by drinking sufficient fluids and staying hydrated, your car needs an equal amount of maintenance,
especially in the summers. You must have seen how difficult it gets to drive anywhere during the hot season. Due to the temperature rise, the car becomes too hot to sit in and drive during a peak summer day.

Are you wondering how to keep your car cool during summers? Read this blog till the end to understand the tips to get the best results and protect your car from high temperatures.

1. Support solar technology by getting a solar-powered fan:
You can get a solar-powered fan for your car to cool down car interiors. It's better to use the sun's energy and heat instead of getting roasted. The solar fan helps balance the air inside the vehicle by extracting the hot air from the cabin. Regulating the process of constant circulation prevents overheating and avoids the stuffing of hot air.

2. Cross ventilation is a solution:
We all know how cross-ventilation works in our homes, kitchens, etc. Similarly, whenever your car is parked in the summers, especially if it is parked under the sun, it would be an intelligent solution to open the car's windows just enough to let the air pass from one window to another and circulate inside the cabin. Thus, a single temperature will not be maintained, and the car would be more comfortable to drive.

3. Park at the right place:
Look for some shade and park your vehicle under it to maintain a relatively low temperature for the car's body. A shade will protect the car's body from getting overheated due to the extreme temperatures and exposure to the direct sun, thus making the cabin bearable to sit and travel in. You can also cover your car to safeguard it against the hot weather, but it is a little more hassle than finding fully covered spots which provide shade to your vehicle.

4. Think about your steering wheel:
Summers spare nothing, not even the steering wheel of your car. Due to the hot climate, your car cabin temperature rises and affects the steering wheel, making it too hot to hold. You can cover your steering wheel with a light cloth to counter this. Avoid darker steering covers as they tend to absorb heat from the sun, making it unbearable for you to touch the steering wheel.

As we discussed protecting your car against high temperatures and how you can keep it cool, it is also essential to safeguard your vehicle against other damages that you may or may not see coming. Purchasing car insurance is an intelligent choice to cover your priceless possession under the safety net of financial benefits. But you need to make sure that you are aware of all the terms and conditions, including the new car insurance rates, before you make your final decision.

Click HERE to know more about the 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.

Fuel is one of the essential things needed for your bike to function efficiently. It generates power in your bike and makes it operable. You cannot risk being low on fuel or having no fuel in the tank. But there are times when you forget to fill up the fuel tank, and get stuck in an area with no petrol pumps around, or the fuel starts leaking, and you don't notice until the very end. What are you supposed to do then?

For such situations, bike manufacturing companies brought in the concept of reserve fuel. The reserve tank permits you to drive your bike till you find the nearest petrol pump and refill your tank. It is a fail-safe option in your main tank whenever you are stuck in a no-fuel situation.

However, this raises questions. Is it appropriate to ride your bike on reserve? What will happen to the bike's performance and efficiency? Let's address these.

1. No warning:
You can run your motorcycle on reserve all the time, but you might use up all the fuel without any warning signs that your tank is empty. This means that your bike can stop suddenly due to zero fuel, and you would have to push it to the nearest gas station.

2. Less power:
Driving on low fuel puts pressure on your bike's engine. As a result, the engine's power deteriorates over time and hampers your bike's performance significantly.

3. Practice occasionally:
The two reasons mentioned earlier are why you should not run your bike on reserve all the time. But it is advised that running your motorcycle on reserve from time to time is a good practice as it is essential to occasionally use the fuel in the lower part of the fuel tank. But, ensure that this is carried out periodically and doesn't become a habit.

4. Dirt collection:
In the previous point, we discussed that it is necessary to use the fuel in the lower part of your fuel tank. Why is it essential to do so? The lower part of your fuel tank is where a lot of dirt, dust, water, etc. is collected. And when you avoid riding your bike in reserve mode, all dirt and moisture can accumulate and fill up the reserve tank. This might end up clogging the main tank.
This accumulation can be challenging to deal with. It will involve a lot more tank maintenance, and frequent visits to the mechanic to get the tank cleaned, fixed, or even replaced, none of which is quick and easy to manage.

So, all in all, is it good to ride your bike on reserve all the time? It sure does not cause any severe harm as long as you are careful. Switching your motorcycle to the reserve mode means that the fuel will flow from the reserve tank instead of the main tank to the carburetor.

While riding in reserve is one of the many questions about motorcycles and their maintenance, other factors contribute to your bike's proper and efficient functioning. It is wise to insure your bike to protect it against any sudden problems with the parts or severe damages, which might involve a lot of repair expenses. Try investing in reliable motor insurance India and assure your bike a long life.

Click HERE to know more about motor 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.

Hand numbness affects all bikers, from beginners to professionals. A few hours into riding a bike, you may begin to feel tingling in your palms and fingers. The stinging sensation is caused by compressed nerves in the shoulder, elbow, or wrist and might last several hours.

You shake it off in the hopes of alleviating the dull ache, but it doesn't seem to work. So, what is the solution? Even if these techniques do not eliminate the condition, they can at least assist in easing or lessening the numbness while riding.

1. Wear protective gloves:
Vibration stresses the nerves and forces you to hold more tightly than usual. Wearing padded gloves might assist but make sure they're not too tight since this can complicate the issue.

2. Alter your arm position:
Keep changing your grip on the handlebar throughout the journey to prevent exerting the same persistent strain on your wrists.

3. Loosen up the elbows:
Relaxing your elbows engages your torso muscles, relieving strain from your hands. Let your elbows rest in all situations to allow you to soak vibrations from the road.

4. Maintain body balance:
Don't forget about your core. Maintaining your body's balance while riding may dramatically reduce the amount of pressure on your hands.

5. Tune-up your bike:
Ensure that the bike's suspension is correctly tuned and the tyre pressure is perfect before every ride. Decreasing the vibration is crucial to experience a smooth ride.

6. Get your bike altered to fit:
Bike fitting suggests moving the seat rearward, lowering it, adjusting the tilt, and elevating the bar. This will distribute your weight back and away from your hands.

7. Have a hold:
Consider adopting thicker, softer, and sticky grips so you don't have to grasp the handlebars as tightly. Another alternative is to use ergonomic grips. They're designed to assist you in positioning your hands correctly and relieving pressure spots.

8. Utilize your core:
Take note of your general position and the amount of involvement of your back and core muscles when riding. By focusing your conscious attention on your body's mechanics, you'll be able to make real-time modifications to ease the pressure on your arms and hands.

9. Physiotherapy:
If the numbness in your hands worsens or persists, you should seek medical advice from a physical therapist. They will determine the treatment by assessing the problem's root cause.

10. Stretching:
A few minutes of full body stretching before each trip will also reduce your muscles' numbness and strain. Basic stretching and strengthening exercises for your hands, wrists, and forearms will help prevent hand numbness.

It's common to exert strain on your arms and shoulders while biking. This usually happens unintentionally when you are in an unwanted environment, such as a traffic jam. Even if we take it easy and try to let go of the pressure, our hands and shoulders still tense up. As a result, discomfort and continuing difficulties in the muscles of the upper back result from this circumstance.

It's not just you who faces problems due to excessive riding, your bike also suffers through wear and tear and may eventually get damaged. Be prepared for this by looking up appropriate 2 wheeler insurance online that offers you the best-suited benefits for your needs and ensures the safety of your possession.

To get 2 wheeler insurance online, click HERE .

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.

Automobile theft instances have increased drastically throughout the country. In older times, thieves used to steal a less guarded motor vehicle using standard keys. To counteract this, automobile manufacturers designed the keyless remote system, prompting thieves to become more tech-savvy. As a result, thieves began stealing automobiles by employing black market gadgets that could delete data and even replicate the signalling of the keyless remote.

As a result of all this, owners have started installing anti-theft devices in their motor vehicles. These gadgets serve as an alert system and help save money on auto insurance rates.

How exactly do these devices affect the insurance premium?
Your insurer is responsible for compensation if your automobile is stolen. Automobile insurance providers recommend anti-theft systems to prevent criminals from taking your vehicle and, as a result, avoid paying the expense of your loss. If your car has a lower chance of getting stolen, the insurer will also benefit from it. Thus, every motor insurance company in India will provide discounts on the amount you pay to insure your vehicle.

Now, let us talk about some anti-theft devices that you might want to check for your motor vehicle too.

1. Alarms:
When the alarm system detects an unwelcome touch, it makes a loud noise. A burglar is likely to ignore your automobile if you have an alarm system because it attracts attention.

2. G.P.S. trackers:
You can track your automobile while it's moving when the G.P.S. technology is installed. Some versions even allow you to get warnings by push notifications and text messages on your phone.

3. Remote Disabling System:
These are some of the latest developments in anti-theft technologies. These gadgets link to your smartphone and allow you to brake, downshift, or decelerate. A con about these devices is that they are a bit expensive and hence seen less in passenger vehicles.

4. Kill Switches:
It's a switch attached to one of the automobile's critical starting components to inhibit the electric flow to that component when it is turned on. When the switch is toggled off, the connection to the component is restored, allowing the automobile to start normally.
You must conceal the switch in an unnoticeable location so that no one who accesses your vehicle knows its location.

5. Mechanical Immobilizers:
These are the most affordable anti-theft solutions in the market. These include steering locks, tire locks, bonnet locks, gear locks. While they prevent a vehicle from moving, there is a possibility that thieves can carry your vehicle away by towing it and later remove the immobilizers forcefully. Therefore, it's better to pair these devices with additional anti-theft devices.

A vehicle is like a partner, and buying one comes with specific responsibilities. Besides maintaining and servicing your automobile, you also need to prioritize its security. Always install anti-theft devices and give your vehicle the benefits of a double layer of protection with full motor insurance. Remember, your insurer evaluates the safety standards maintained by your vehicle. Therefore, installing security gadgets in the car can reduce the premiums offered by your motor insurance company in India.

Click HERE to learn more about our motor 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.

Travel adventure always has its benefits for your quality of life and overall well-being. Getting your family and friends into one car and driving to different locations to explore the culture, people, wildlife, food, heritage sites, etc., is a thrilling experience.

But let's talk about off-roading? It's an activity pursued on unconventional terrains that don't have a proper paved way. It's carried out on rugged tracks like deserts, mountains, dirt tracks, river beds, etc. There are variations of off-roading, including rock racing, cross country trails, dune bashing, etc.

Sounds intriguing? Certainly, but since off-roading needs unique locations and uneven terrains, you might wonder which places offer these experiences. This blog will discuss some of India's best places to go off-roading.

1. Gir forest national park, Gujarat:
Route 2-6 through the Gir forest national park offers an off-roading experience (35 kilometres) where you can enjoy the beauty of wildlife and see asiatic lions, spotted deer, nilgai, sambar, and numerous other flora and fauna that will make your journey mesmerising.

2. Rann of Kutch, Gujarat:
Divided into two parts called the Great Rann and the Little Rann, Rann of Kutch is one of the greatest wonders of India. It has dry and dusty terrains but hides a few marshy surprises beneath the sand. The clay mud retained makes driving through these areas challenging but exciting at the same time!

3. Zoji La Pass, J&K:
Zoji La pass is a challenging and tricky trail in Jammu and Kashmir. It is located at a great height, and specific points in the course do not allow more than one vehicle to pass. You can enjoy the view of the snow-covered mountains and the beautiful sceneries the state has to offer. This place is worth all the efforts and challenges.

4. Kanha national park, Madhya Pradesh:
Situated in the districts of Mandla and Balaghat in Madhya Pradesh, Kanha national park is a tiger reserve. The national park's safari is listed amongst India's most popular off-roading trails. It occupies an area of 940 sq kms.

5. Bisle ghat, Karnataka:
This beautiful trail in Karnataka takes you along a route consisting of almost fifteen waterfalls. The trail is narrow and challenging, but the scenic views of the panoramic ghats make it worth trying.

While off-roading may seem enticing, especially for people who love adventure, it can be risky too. You need to understand all the dangers and be a skilled driver to go off-roading in rugged terrains. Ensure that you have enough food, water and first aid kits in case of an emergency. Never underestimate the safety aspects of off-roading.

You will also need some equipment for ease and precautions. These include GPS+maps, spare tyres, shovel, rope, and ensure that you have a tank full of fuel.

From our discussion above, you can gather that it is a challenging activity and requires your vehicle to function efficiently. The dangers associated with it indicate that there are possibilities of damage to the car. These extreme roads will test your car's performance to its core. To ensure that your vehicle is protected against any severe damages, you need to get it insured. And keep up with the car insurance renewal dates to enjoy your trip wholeheartedly without any stress.

Click HERE to know more about car 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.

Being healthy is one of the essential human development goals that has now turned into a necessity of the hour. Kidneys plan an essential role in enhancing the functions of our body, and like all organs, they have a due place in our system. Health risks can come untimely, and it is advisable to subscribe to any of the available, Affordable Health Insurance plans to enjoy protection against the financial cost of treatment. But it is equally important to follow specific tips through which you can fight even the toughest of kidney problems: -

• Eat right It is an essential component in maintaining your health, and there is no way you can hope to make some progress with a healthy lifestyle if you don’t eat right. Fresh fruits, whole grains, frozen vegetables, and low fat/fat-free dairy products are some of the essential food components that must be focused upon. It is vital to cut back on salt and added sugar along with a particular focus on maintaining less 2300 milligrams of sodium every day.
• Physical activity and aiming for the right weight An active schedule of about 30 minutes on most days can aid in keeping the calories and cholesterol under control. You can always consult a health care provider about the right kind of exercise that suits your physique. Use the NIH body weight planner to tailor your calories and the physical activities that will help you in maintaining the right weight. Being obese exposes you to various health risks, using a dietician can be extremely helpful.
• Indulge in stress-reducing activities To manage stress and cope with your problems, just the right way to improve emotional and physical health. Meditation or yoga are some of the most popular styles in which you can gain physical and mental health benefits. Stress can also be significantly reduced if you are sleeping on time. A human body needs about 7-8 hours of proper sleep to maintain all the inappropriate systems conditions.
• Avoid alcohol intake It tends to increase blood pressure, thereby adding to calories, which can lead to weight gain. Other health issues add to additional risks, thus making the need to search for affordable health insurance plans. Keep a tab on the consumption of alcohol and make sure that it does not exceed one drink a day. It is also advisable to avoid counter pain medications, especially the regular usage of anti-inflammatory drugs such as ibuprofen and naproxen, since they have the potential to damage kidneys.
• Keep a regular tab on your blood sugar Your glucose numbers every day and make sure they are near the goal you are aiming for. Maintaining your blood sugar level is one of the most efficient ways to be alert for any diabetic issues. Maintain a regular tab over your blood pressure number and take all the medication that has been prescribed by your health care provider.

These are some of the most effective ways through which you can keep all the kidney problems at bay. However, you must focus on browsing through affordable health insurance plans to get an idea about the best offers available online from leading insurance companies.

One of the best ways to safeguarding your finances while availing medical treatments is getting health insurance. Good health insurance protects you and your family against the various health risks that life toss at us over time — it lets us have that peace of mind.

However, not all the claims that are raised are settled. There are various reasons for a claim application getting rejected. A claim rejection could lead to much unwanted financial stress. By making sure of certain things, you can put away the anxiety of your claim rejection.

Here will look at the reasons why health insurance policies get rejected.

Claim process

Health insurance is a contract between the insurance provider and you. To make sure that all the terms in the agreement are retained while filing a claim, you need to input correct details in the application. If you decide to hide any bit of information about your health in your insurance documents, then you may get into some trouble while filing a claim. Misinformation can lead to your claim being rejected.

Health conditions

Some health insurance companies do not provide cover for specific illnesses. So if you happen to fall ill with these diseases, then your insurance might come of no use. It is advisable to get an insurance which has support for critical illnesses, as it will save you much hassle later on. To begin with, you should get a thorough health checkup (most of the insurance companies provide this option). This will help you know what the potential illnesses that you might face in the future are.

Policy period

Health insurance policies expire after a certain period, depending on the terms that you have agreed with. Expired health insurance is no good. If you make a claim after your health insurance has expired, then your claim is bound to be rejected. Make sure that you keep on paying your insurance premiums before your policy expires, or get insurance which lasts you throughout your life.

Exclusion policies

There are certain conditions — depending on the insurance provider — under which you are not liable to file a claim. These conditions are also called insurance exclusions. So if you happen to raise an insurance claim against these exclusions, then your policy might get rejected. To deal with this situation, it is best to read the policy terms and conditions carefully. You can even consult your insurance provider if you do not understand a particular clause.

If you are looking for a good health insurance policy for family or yourself, then Magma HDI health insurance can, indeed, be an ideal option. It provides you cashless hospitalization of an extensive network of hospitals across India and offers you features such as optional cover for critical illnesses so that the health of you and your family is secured at minimal costs.

Most car insurance plans are usually aimed at providing the services for one year, post which they are renewed. However, not being satisfied with the kind of services you have been receiving from your insurance company can be extremely disheartening. In this situation, you can decide to compare and buy a car insurance policy online. While switching car insurance may seem like an easy task at the outset, there is a lot of research that goes into deciding since you aspire to receive the best services. Here are some of the most critical factors that must be kept in mind before shifting your car insurance: -

• Premium and car cover There is no guarantee if you will receive a change in the car premium, and this is entirely dependent on your insurance company. However, like all things, even this may vary according to the risk covered by the premium, which is again determined on the base of zonal risks. It is only natural for the insurance company to ask for a higher premium if you are aiming to locate yourself at a catastrophic prone zone like floods or earthquakes.
• Importance of no claim bonusThis is one of the most important factors of every general policy. Shifting your car insurance may lead you to wonder about the NCB points earned during the previous investment. You can finally heave a sigh of relief since NCB is offered to the insurer for every year that goes unclaimed and is definite to follow you, despite your location. Be it changing the vehicle or switching to a new insurance provider; you can always hope to find your earned NCB everywhere with you.
• Importance of upgrading cover A new place means a shift in requirements and needs. It is always advisable to analyze your vehicle before availing any insurance service since you will then be equipped to make the right decisions. While aiming to Buy Car Insurance Policy Online , be sure to get a comprehensive insurance policy with third-party coverage. This will aid in protecting your car from any potential damage that may occur to being involved in an accident, theft, vandalism, natural disasters, among other things.
• Evaluate your reasons It is important to understand why you are tasking a drastic step of changing your car insurance. While the reasons may be many, increased car insurance premium brings with it additional financial responsibilities. You need to be sure about the decision you are taking and should be able to afford the premium.
• Inform your current insurer When you inform your current service provider, they are sure to provide you with ample reason to stay. They may even meet you to resolve your grievances. If you feel your problems have been resolved, stick the decision to stick to your current service provider or changing it depends entirely on your convenience. Also, an additional tip is to not just focus on low premiums, since there are other features like, list of network garages and customer service efficiency that must be kept in mind while availing any insurance company’s offer.

You can always check details about a car insurance policy online and carefully analyze every feature that comes with different companies to make the right decision.

The returning riders, also known as the born-again riders, are folks who previously rode motorcycles and want to get back into it. No matter how professional you were in the past, continuing something after a break has some adverse outcomes. Therefore, if you have given up riding for any reason and wish to reclaim it with your two-wheeled companion, there are a few risks you need to keep in mind.

This article will thoroughly guide you with the best tips to avoid mishaps for returning riders. We suggest investing in bike insurance for your two-wheeler before you restart your lost desire to ride a bike again. In case you already have one make sure it is up-to-date.

1. Begin slowly and safely:
Returning riders should take it easy at first and gradually gain confidence while riding. Start your first few trips with short distances and ideally in minimal traffic conditions. Do not push your limits and end the journey whenever necessary.

2. Know which bike to start with:
If you have not hit the road for a long time, consider going for a moderate bike at the beginning. Compared to the bikes you rode in your days, the current models can be overwhelming for you. For example, if you decide for high horsepower and remain unsuccessful in handling it, your motivation will hit the ground. It will leave you disappointed and undermine your confidence. Hence, go for a manageable bike at first, and once you've acquired confidence and improved your road sense, you may always upgrade.

3. Consider taking a refresher course:
Although this sounds a bit unnecessary, basic training at a motor learning school helps you regain control of the two-wheeler and understand the updated traffic. Even if you can't seem to find a physical course, the internet will never let you down. Numerous articles, podcasts, videos, vlogs, and blogs regarding this subject will guide you in the right direction.

4. Learn and adapt to what has changed:
Regardless of the gap in your riding, the technology and regulations would be different when you start over. The machines used in today's bikes are advanced, tyres have anti-skid grips, and the braking systems have improved. Try to acquire the knowledge of up-gradation as much as possible to avoid facing issues about adaptation to new things.

5. Don't skip the riding gears:
Never neglect your safety gear. If your gears from earlier do not fit you anymore, get new ones right away. There is no acceptable reason to skip wearing your riding gear for any occasion.

6. Learn how to unlearn:
The future is for those who can learn to unlearn numerous times throughout their lifetimes. This should be a motto for born-again riders. Forget all the myths and misleading facts from the old days and make space for new logic and learning. Technology progresses every day, and so does the experience based on it. Gain knowledge of it prior and incorporate it into your riding style as often as possible.

We hope to assist you in making your transition easier than possible. The above-compiled tips will surely do the job. Also, having bike insurance will boost your confidence and ensure a happy return to biking. So, if you’ve made up your mind, then you’re set to dominate the roads again!

To get the best bike insurance, click HERE .

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.

How well are you prepared for a situation like a brake failure? Well, most people can't imagine the correct answer. Imagine you are driving comfortably, and your eyes are engaged on the road. Then, when you approach traffic or a speed breaker, you hit the brake pedal, but your car doesn't slow down. You repress harder this time, but you are still speeding. Are brake failures terrifying to even think about? It's best to prepare for such panic scenarios.

Brake failures usually are not recognized beforehand; they hit you when you are in motion. It can be a panicking situation leaving the driver clueless and inviting a potential threat to his life.

In today's post, we'll talk about the dos and don'ts to stop your car safely when the brakes fail.

What to do?

1. Don't lose your cool:
We understand it's easier said than done but try not to panic. This will only put you and the passengers in unnecessary danger at the time of an actual stressful situation.

2. Go easy on the throttle:
Immediately take your foot off the accelerator pedal. You don't want to speed up even by mistake as it can only worsen the situation and make the vehicle handling uncontrollable.

3. Pump the brakes:
Press the brake pedal multiple times to generate enough pressure in the hydraulic system of the brakes. This can miraculously work out, and you'll be able to halt your car even after brake failures.

4. Lower the gears:
If the pumping doesn't help, shift into a lower gear gradually. Doing this increases the mechanical resistance, referred to as engine braking.

5. Engage handbrakes:
Some cars can restrict you from shifting to extra-low gear until the car has slowed sufficiently. In such cases, handbraking comes in. When you engage the handbrakes, do so gradually. If you suddenly apply them, your car can go skidding to make the situation worse.

6. Turn on the AC to the maximum:
Turning the AC to the max will take a few kilowatts of power. Turning on all extras will cause resistance to the alternator that can help you slow down.

Other dos:

● Keep your vision on the road at all times.

● Turn on the hazard lights. This will notify other drivers that you're in an emergency.

● If you notice an uphill road, use it to your advantage. Taking your vehicle to it will help you curb the speed.

● Wear your seatbelt at all times.

● Follow the speed limits on all roads.

Now that you know what to do. Let’s discuss the don'ts real quick:

● Do not continue driving on cruise control.

● Do not cut the ignition or change the gear to neutral as you will lose the full control.

● Do not shift from higher gear to low gear drastically. The same goes for handbrake. Do not engage it at once. This can cause skidding.

● DO NOT shift to reverse gear. This will completely shatter the gearbox, and further will not allow you to downshift.

● Don't move sideways with a speeding vehicle. Yes, it increases friction, but you run the danger of spinning out.

● Do not run into a concrete wall or a block to crash stop; go for shrubs and bushes.

When such situations arise, you are in danger and the rest of the commuters around. Therefore, you must think rationally and make decisions. You and your car can sustain damage in such scenarios; having reliable car insurance at your disposal will help you recover from it. If you have one, check for your car insurance renewal before you hit the roads. Car insurance renewal is a ticket for extended protection of your prized possession.

Also, don't ever overlook the necessity of having your car serviced at regular intervals so that critical safety systems, such as braking, are well maintained.

Car insurance renewals are possible online now. Click HERE to do it right now.

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.

Horseback riding is one of the most ancient adventure activities introduced in ancient times. And, it quickly became an integral part of every army, and until today it is a royal legacy. Adventure enthusiasts practice horse riding as a sport.

But horse riding is not as easy as it appears to be. Trusting a 1200 pounds animal to keep you safe and to cooperate with you is a daunting task. One wrong move can leave you paralyzed for the rest of your life; some mistakes can be life-threatening. But, if you are willing to take the risk to be a part of the equestrian community, you will undoubtedly have a great time learning it!

Following your passion or pursuing horseback riding as a hobby is a great start indeed! And to help you with it, we have created an essential checklist to learn horse riding as an adventure.

1. The attire:
Appropriate dressing plays a significant role in ensuring personal safety, especially when indulging in a gruelling sport like horseback riding. You require ankle-length, close-toed leather boots with a small heel to keep your feet from slipping out of the stirrups. Wear long pants to keep your legs safe from colliding against the saddle. Protecting your head is the most crucial safety aspect, so a helmet should be an essential accessory of your fit. Remember, even the horses require proper equipment. A properly fitted saddle, well-tightened cinch, a comfortable bit and bridle, and suitable hoof protection can make the sport for your horse safe and enjoyable.

2. Learn to use the reins:
Just as important it is to handle the steering of a car when learning to drive, similarly before hopping on the horse, you should understand the appropriate use of the reins. Do not hold the reins too harshly as it can hurt the horse, be gentle with it. Keep your arms at the correct angle from your elbow. The moment you master the handling of reins, you get the command over your horse.

3. Spend time with the horses:
One of the ways to be more comfortable with the horses is to spend more time with them. Try finding a part-time job at the stable or maybe just volunteer! This is how you will learn things you would not be able to learn otherwise, and horse riding will be easier for you.
Also, never forget to greet your horse first before training. It is essential to show compassion and affection to your fellow animal. Horses value the love and care their masters bestow upon them, which massively impacts the riding experience.

4. Correct your posture:
While on the back of the horse, relax and sit up straight. This will help you maintain balance and get a firmer and better hold on the horse. Relax your shoulders, and place both of your feet in the stirrup.

5. Stay hydrated:
This may seem like a small detail, but on warm and sunny days, horse riding can make you sweat profusely, therefore carry a water bottle along with you and stay hydrated.

We hope these valuable tips will guide you to kick-start your passion for learning horse riding. However, as the Equestrian community says, “Horses don’t care how much you know until they know how much you care.” Just mastering the skills is not sufficient; you need to build a mutual understanding with your horse. Trust and respect are two vital factors that should define your bond with your saddled friend.

The more time you spend training, the better your skills will get, but the chances of you getting injured increase simultaneously. Therefore, before saddling up and preparing for this extreme sport, have a personal accident insurance policy and make your experience safe and unforgettable. Don’t let the fear of falling hinder your desire to learn!

Click HERE to get the best personal accident insurance policy quotes.

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.

Tyre management has become a critical factor in maintaining the overall condition of cars. In contrast, we cannot control the factors such as weather and road conditions that affect the wheels. But we do have control over what goes inside them. And mind it, the type of air you choose to put in your tyres can have a significant impact. So, if you are in a dilemma about which air to put in your tyres, you are not alone. The most common argument in the debate ranges from nitrogen being the most prominent option.

Not sure! This blog guides you in choosing a side. We have put both the options under the test of several key factors and see how each one fits in. By the end of this blog, you will be able to decide which one is the right choice for you.

1. In terms of cost:
At most fuel stations you get free air refills and check-ups. In the case of nitrogen, it’s not free and will cost you around 40-50 rupees for a four-wheeler. Even if you don't get a free refill of air, it usually costs about 10-15 rupees making it cheaper than nitrogen.

2. In terms of availability and convenience:
Normal air is readily available. The infrastructure and storage systems required for nitrogen are not present in every region, thus bringing limitations in its availability in those areas.

*Pro-tip: If you have nitrogen-filled tyres and get a puncture on the road where there are no nitrogen filling stations. Inflate the tyre with air. Don't worry; it is entirely safe.

3. In terms of tyre pressure:
When inflating a tyre with nitrogen, 95% of pure nitrogen goes into it. Nitrogen offers more consistent tyre pressure because nitrogen molecules hardly ever pass through the small holes in the tyre's rubber, being heavier and bigger in size. A tyre filled with conventional air has approximately 20% less pressure.

4. In terms of fuel economy:
Consistent tyre pressure results in improved fuel economy. As we already know, the winner in terms of tyre pressure. It's clear that nitrogen is the frontrunner in terms of fuel economy.

5. In terms of weather conditions:
Water vapour in conventional air causes the tyre pressure to vary when the weather conditions change. When the temperature outside is hot, the air within the tyres expands, resulting in over-inflation. On the other hand, they get underinflated when the temperature drops.

Not only that, but water vapour in your tyre causes corrosion in the metal rim of the tyre. As nitrogen contains no water vapour, tyre pressure variations and deterioration are non-existent.

From all the above information, it is clear that nitrogen does hold superiority over conventional air. Conventional air is not a bad option either. Yes, if your car stays idle for a more extended period, using nitrogen will save you trips to the air refill station every time you take your car out.

Maintaining proper tyre pressure is a must whether you use nitrogen or air. Just like that, maintaining your car insurance is a must if you want to drive legally on the Indian roads. So before you even take out your car for a tyre refill, make sure you buy new car insurance and if you already have one, keep it up to date.

To buy new car insurance today, click HERE .

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 have a habit of covering more miles on two-wheelers than cars for convenience and cost saving. One thing that every biker wants to know is how to extend the two-wheeler battery life. Long battery life indicates that your two-wheeler will function for an extended period compared to other vehicles.

But the battery gets examined only at the time of each servicing or repair. Nonetheless, it needs more attention than these few times. You do not have to be an expert in mechanics to look after a battery, nor do you have to make endless trips to your nearby garage or service centre. Just a few regular checks and maintenance will improve the quality of the battery in terms of enhancing life.

Let’s have a look at the ways you can extend the battery life of your two-wheeler.

1. Charge the battery regularly:
Allowing your two-wheeler battery to discharge before charging to maximum capacity is not a good idea since it will decrease its life and negatively influence its performance. Hence, regular charging of the battery is a must. You can check charge levels using a multimeter. Allow the two-wheeler motor to be idle for about 15 minutes to get adequate charge levels.

2. Top up the fluids in the battery regularly:
The electrolyte in a battery gets utilized whenever you charge and discharge it. Hence, keep it refilled with distilled deionized water. If you find dropping electrolyte levels during your check, make sure to refill it up to avoid replacing the existing battery. If you don’t top up the electrolyte after a few cycles, your battery will begin to break down. A traditional two-wheeler battery would have many openings to inspect and fill electrolyte unless it is sealed.

3. When not in use, disconnect the battery:
Plugged-in batteries lose power, and hence not practising that might help you get the most out of your batteries. If you are not planning to use your bike for an incredibly long time, it is recommended that you disconnect the batteries to avoid power loss. And when you do, make sure to keep the batteries in a warm, dry location.

4. Look for any unsecured connections:
It’s crucial to scrutinize the batteries regularly to ensure there are no loose connections. Check for connectivity issues, scratches, and short-circuits of wires regularly to avoid long-term consequences. Internal wiring connects all sections of your two-wheeler to the battery, and weak connections might cause your two-wheeler to struggle to start. Some wiring errors might result in serious problems that affect other essential parts and the functioning of a two-wheeler.

5. Don’t put too much strain on the battery:
High-capacity lighting and LEDs that you connect to your two-wheeler put a lot of loads on the battery. As a result, it may cause the battery to drain and eventually lead to its termination. Ensure that the accessories you install don’t exceed the battery’s capacity.

On a conclusive note, for the smooth performance and uninterrupted functioning of your two-wheeler, keeping the batteries up-to-date is a crucial thing. Your two-wheeler derives its power from the battery, and any fault to it can bring the vehicle to a halt. Prepare for such uncertainties much in advance by investing in the zero depreciation feature of the regular 2 wheeler insurance. Taking good care and being careful is not just sufficient. Buying suitable 2 wheeler insurance can add an extra layer of protection.

To get two-wheeler insurance, click HERE .

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.

Learning to drive is a thrilling moment for teenagers. Transitioning from remote-control cars to handling the steering physically boosts the adrenaline for every youth. But this situation can be daunting for the parents. Statistics suggest that parents have valid reasons to be concerned because underage drivers are more likely to be involved in a car accident than any other age group.

Teenagers have better vision, faster reaction timing, and an acute sense of hearing than adults. Then why are accidents more common in this specific age group? In this article, we share the top reasons for accidents involving teen drivers;

1. They think differently, to begin with:
Teenagers are still maturing, and their brains are highly active. Studies have shown that the part of their brain that supervises planning and controlling impulses is still developing. Hence they’re more prone than adults to indulge in dangerous activities and struggle to evaluate the consequences of their actions while driving.

2. Lacking experience:
Teenage drivers are unprepared to make the judgments that drivers must make to be safe. They are still learning the road laws, traffic discipline, and the fundamental operations of a car. Furthermore, being impulsive, as mentioned above, combined with inexperience, lead to disastrous results.

3. Distractions are everywhere:
From smartphones, talkative co-passengers (mostly peers), or the latest track by their favourite artist blasting on the music system, the list goes on for the things that distract the young drivers while driving.
Teenage drivers may be cautious and stay focused to avoid distractions in their early stages of driving. However, the more comfortable they get behind the wheel, the more likely they are to participate in activities like texting on the go, scrolling through their social feed, or searching for a song.

4. Driving under the influence of intoxication:
As they’re underage, they are not legally allowed to drink. If you think from a teenager’s perspective, the safest place to chug some beer is in the car. Driving under the influence of a substance is a significant threat to other commuters as the mistake can adversely affect the lives of many.

5. Seatbelts? Not a need:
According to statistics, youngsters take wearing seatbelts casually. This casual approach leads to injuries and increases the chances of life-threatening situations in case of an accident.

If you're a parent and reading this article, imagining such situations can make you worry. Your best bet is to create a healthy environment with your children by laying out driving rules and ensuring they follow them. Your kids often take you as an example when they drive; make sure you set a good example for them by driving responsibly. Tell them about the possible consequences of their actions and the trouble they can get into. Also, make it clear that they cannot drive without holding a valid driving license.

Many things can be taught to your young one to get started, like wearing a seat belt, avoiding speeding, especially during the darker hours of the day. To give your car additional protection, make sure you invest in good private car insurance. This will help you adhere to the mandatory laws of our country and cover your loved one in case of an accident.

Click HERE to buy new private car insurance today.

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.

At some point in time, you've consciously or subconsciously imagined worst-case situations for your car, including accidents, terrible weather encounters, or theft. Ever wondered about infestation attacks on your car?

Underneath your engine, it's dark and warm - a healthy and ideal environment that suits these little creatures. The chance of your car getting infested by rodents drastically rises during these colder months as your car acts as a shield for them against predators and insulates them from the cold.

Rodents often cause significant damage to your vehicle by eating wires, defecating, creating nests, and accumulating food inside your engine. To save you from the trips to pest controls and spending your hard-earned money on repairing the damaged parts, we've put out some pointers that will help you in keeping the rodents off of your vehicle.

1. Keep your car moving:
Rodents like to make their base into cars that don't often move. Taking your car out once in a while can help. A moving vehicle won't give them the time to get comfortable, and they are less likely to make the car their camp.

2. Clean your car thoroughly:
Rodents will build their nests in places where they can readily collect food. To begin, make sure your car is free of any dropped food. Vacuum through your vehicle and collect each bit of fallen food, no matter whether it's the snack you ate while stuck in traffic or it's your dog's food. Get rid of the leftovers and trash thoroughly.
If, unfortunately, your car was already home to rodents, the scent of them remains. This creates a possibility that the same creature or someone is attracted to the smell and returns. Be sure to get rid of all the droppings, nesting material, and chewed-up debris.

3. Have an anti-rodent parking space:
Keeping food and water off your garage is equally essential. Rats like to relax and feed in locations that are dark, quiet, and appear to be safe. They dislike being in open spaces. You don't want to have any hiding spots that aren't required. You should keep grain sacks, food containers, and everything else of a similar kind away from your car and the parking spaces.

4. Keep the hood of your car open:
When your car stays parked for an extended amount of time, leave the bonnet open. Additionally, leave a light on above the bonnet during the night time. As we mentioned earlier, rodents love dark places. Keeping the engine area bright makes them less likely to settle in.

*Pro-tip: Focus some lights on your tyres and place traps beside them; this will help keep rodents at bay. Rodents generally enter the vehicle engine climbing through the tyres.

5. Insure your car against animal attacks:
Car insurance helps safeguard the car and the driver and protects against the damages caused by animals, including rodents. The stress on your pockets caused due to the repairs of chewed wires can be immense. Control it by getting comprehensive car insurance today to add value to your car!

Rodent attacks are a common problem in India that frustrates car owners. They bring in unexpected damages and financial losses and, most importantly, leave the car inoperative at the time of need. Follow these tips mentioned above to stop the activities of these little trouble makers early on. If you've already faced an issue with them, take care that you don't repeat the same mistakes.

Click HERE to get the best car insurance in the market.

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.

Frugal living contemplates a lifestyle in which a person is cautious about spending money and utilizing available resources. Many people mistake frugal living for cheap living; first let us clear the air about it. Even though the ultimate aim of both the groups is to save money, being frugal and cheap are two distinct concepts that possess different approaches. Individuals who prefer going cheap are solely motivated by the price tag, while frugal individuals prioritize the value of service over its cost.

Do you love savings but don't want to be inferior to your life priorities? Here are the 08 benefits of a frugal lifestyle.

1. It helps you understand your priorities:
Frugality enhances your outlook toward the goods you buy. When you spend money for a month on only the genuinely essential things, you'll be astonished at how simple it is to identify your priorities.

2. More time for your passion:
Once you start living frugally, your financial status improves with each economic decision. Once this is achieved, you'll move further away from a cycle of pay-checks. This is how you start enjoying financial freedom.

3. You become more eco-friendly:
You do your bit for mother earth when you make frugal choices. It's straightforward. Your only essential shopping habits help reduce the carbon footprints. The most noticeable environmental benefit of less shopping is the less waste created by it.

4. Declutter your life:
We buy goods in our consumerism-driven society that we don't really need. When you attempt to be a frugalist, you only spend on what you actually need and ignore the rest. When you have less stuff to deal with, you'll feel less burdened and stressed. This way, a frugal lifestyle will improve your standard of living.

5. Gain your peace of mind:
When the going gets tough, frugal living allows you to handle it better. Losing your salary isn't as frightening if you live a low-cost lifestyle, have a rainy day fund at your disposal. It is simple to get out of debt and develop a financial cushion to fall back on when you live frugally.

6. Improves your happiness quotient:
With less stress and worries, you invite extra happiness in your life. Also, it's essential to understand that real happiness is not materialistic. Next time you get an urge to go on a shopping spree, try volunteering for a social cause and measure your level of satisfaction. You'll feel great.

7. Planning early retirement:
Your dream of taking early retirement can be a reality with a frugal lifestyle. As you'll have a financial cushion for you, it will be easier for you to say goodbye to your working days.

8. More money to add to your savings and expand investments:
It can amaze you to realize the amount of money you can save once you start making economic choices. Every time you make a frugal decision, the money you will save can be invested into your portfolio of socks, repay your loans, buy essential general insurance etc.

Your quest to live a simpler life gets a new definition with frugality. It is an effective strategy for sailing your financial ship and bringing much-needed peace of mind as well as a sense of security. Remember, you don't have to cut short on your essential needs, such as a healthy lifestyle, home, travel or general insurance. Instead, you are required to be mindful of your spending on every action. The key to the door of happiness is in your hands. Unlock it!

Click HERE to know more about general 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.

Climate change is not a new threat to our planet, and we all are well aware of it. Large amounts of greenhouse gas emissions endanger wildlife and nature, and the bare minimum we can do is watch our actions, refine them, and reduce damage as much as possible. As per the studies, airlines alone are one of the biggest reasons of carbon emissions for the environment.

At the time of severe climate challenges, both the tourism industry and travellers are adopting green ways to minimise their carbon footprints. Most conscious travellers recommend embracing a travel culture that is environment-friendly and sustainable. As a traveller, you can always opt for a minimal carbon footprint and a sustainable form of travel.

We recommend following travel practices that help contribute towards zero carbon footprints:

1. Flying to nearby destinations should be shunned; instead, use public transportation like buses or trains. Take flight only if the distance is far, and make sure to book flights with no layovers.

2. One-time use of plastic products such as water bottles will increase the weight and the waste. Instead, carry mostly reusable items and do not pack heavy.

3. Choose efficient modes of transport to travel to your destination. Simply do walking, ride a bike, or take local public transportation when sightseeing.

4. Avoid looking for your traditional food abroad and try the local cuisine. The imported food items emit a tremendous amount of carbon footprint.

5. Purchase meaningful, valuable, and authentic local souvenirs only. Avoid mass-produced clothes, plastic trinkets and cheap articles made on an assembly line in third countries.

6. Rather than packing or purchasing new equipment for your adventures, look for options to rent it on location. Again, sharing is better than possessing for the environment.

7. Stay in an environment-friendly local hotel and contribute to the local economy. Avoid unnecessary use of modern amenities if you have greener options.

8. Plan the tour in a manner that does not include exploitation of the wildlife and the life of the residents - question yourself about the ethics and effectiveness of each trip you take.

9. Keep an eye out for the local resources. The holiday attitude should not be an excuse to overlook how your presence negatively affects the people and environment in the area.

10. Evidence shows that travel makes individuals more sympathetic and creative and stimulates them to engage more actively in intercultural contexts. Be considerate to your purchasing if you want to reduce your carbon footprint.

11. Support projects and organisations that promote sustainable tourism. You may also donate to non-profits that advocate for climate action and help the tourist sector transition to a carbon-free future.

Travel has the power to change a person’s perspective of everything literally, and one should never discontinue it. However, during your journey, you should ensure that it preserves destinations and that our future generations have the opportunity to travel too.

With the planet's future at stake, conscious travel is the key to contributing to a better local environment and communities. But Remember to be sensible enough to protect your travel as well from any mishap while you undertake these trip. Always ensure general insurance that covers your travel you are planning next. You can easily get general insurance online quotes and purchase one for yourself before starting that meaningful trip.

There is no planet B, and with little effort from each individual, we can reverse the clock on this. So, let us travel green!

Get quick general insurance online quotes HERE .

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.

According to a report centered around accidents in India, The Nation has lost 1.3 million lives in road collisions in the previous decade alone, with another 5.3 million badly injured. With one collision per minute and one fatality every four minutes, India has the most significant number of road accident deaths. Despite having just 1% share of the world's vehicles, India estimates more than 10% of worldwide road accident deaths. These figures are alarming and must be addressed with urgency.

While most accidents occur due to distractions while driving, the automobile industry is developing innovative technology to keep drivers on alert mode to reduce accidents that plague the country.

Today, we'll take you through the exciting technology proving to be the difference between life and death.

1. Driver Fatigue Detection system:
Fatigue while driving is frequently the cause of some catastrophic accidents. However, it is possible to notice the early indicators of drowsiness before a fatal scenario occurs. The driver fatigue detection system can monitor steering motions and alert drivers when it is time to take a break.
The technology works by tracking the driver's steering behaviour as soon as they start the trip using an algorithm. It then detects variations throughout long journeys, as well as the driver's level of tiredness. Typical symptoms of fading focus include periods when the driver is hardly steering, followed by modest yet rapid and sudden steering adjustments to maintain the automobile on course. If that level surpasses a specific threshold, an indicator appears on the digital panel to alert drivers that they need a break.

2. Voice controls and Hands-free connectivity:
Nowadays, automobile manufacturers provide Bluetooth connectivity that allows you to communicate and control smartphones and media devices without operating them physically. This way, the driver doesn't have to take their hands and eyes off the wheels. Various studies also prove that there is less possibility of mishaps when the driver's car has a hands-free electronic system installed in their vehicle.

3. Automatic Emergency Braking system:
The Autonomous Emergency Braking system (AEB) automatically slows or even brakes a vehicle when it senses an approaching collision with an object. The most basic AEB systems can identify automobiles, but more complex systems can detect pedestrians, making them extremely helpful in urban settings.

4. Local mobile phone jammers:
The system uses radio-frequency identification (RFID) technology to determine whether a vehicle is moving and the driver is trying to use the cell phone. The technology then activates a local mobile jammer, which disables just the driver's device while enabling passengers to continue calling and texting as usual.

5. Lane departure warning system:
A deadly situation might emerge if a car strays out of its lane. Lane Departure Warning, abbreviated as LDW, identifies the road up to 40m ahead of the vehicle using specially designed cameras. If the driver is on the verge of straying out of the lane by mistake, the system will alert them via audio or haptic vibrations.

These technologies are indeed helping to make the roads safe for all of us. The testing of more prototypes is in progress to be implemented soon. While it may be you or your driver taking control of the steering, mishaps still can happen even with all these technologies in place to assist you. As the saying goes, "Hope for the best and prepare for the worst", show your preparation by covering your car under ideal car insurance. It's not only a wise investment in car insurance but also mandatory by National vehicle law.

Click HERE to buy the best car insurance available in the market.

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.

Intermittent fasting has been a part of several cultures for many years however, it is recently picking up steam globally. The most googled diet-related search in 2019, it has become a hot topic in the health and fitness circle.

People are practicing it for better health, weight loss, and improved lifestyle by looking at its magical results. Studies also show that it has puissant effects on the body and mind, surprisingly impacting the well-being of an individual. This article shares some of the few insights on how it is becoming a trend in the fitness world;

What is intermittent fasting?
Are you new to the concept of intermittent fasting? Let us quickly give you a brief idea about it: Intermittent fasting is a method of diet that tells you when to eat instead of what to eat. It suggests alternate cycles of fasting and consumption. Fasting has a variety of ways to be carried out, with variable numbers of fast days and calorie limitations.
You calculate your feeding time and design a diet plan that sculpts a balanced health routine.

Reasons why people are going crazy over this new trend:

1. You have the freedom to do it according to your comfort:
Intermittent fasting allows you to personalize your fasting windows to your preferences. Beginners mostly go for the hourly schedule against the daily schedule. The short approach of 16:8 works on an hourly basis, whereas the 5:2 method, works in days.

2. It isn't just a fad; scientific research backs it up:
Intermittent fasting is the ultimate answer for our health and lifestyle concerns, from weight loss to balancing fluctuating insulin levels. Scientific studies proves and explains how this starvation and intake method is necessary for our body to function best. It also serves as actual nourishment for contemplation as it improves brain function, thereby increasing your tolerance to stress, pain, and illness.

3. Evident changes in the health:
• Your cells begin to heal themselves. Autophagy is a mechanism in which cells consume and eliminate old and defective proteins accumulated inside them.
• Insulin levels observe a downfall.
• An increase in growth hormone production provides fat-burning and muscle-building advantages.
• Significant improvements are observed in the function of genes linked to lifespan and illness susceptibility.

4. Intermittent fasting has a devoted celebrity following:
Celebrities all around the world have majorly influenced the crowd to opt for intermittent fasting. No less than any influencer marketing strategy, this social trend is widespread among active users and encourages a huge population to shift to this paradigm.

People are aware of the significance of fasting. Because of its incredible health advantages, the world has just recently realized its worth. This latest intermittent fasting and health craze is a simple but a long-term strategy to shed pounds and enhance overall wellbeing.

Human growth hormone levels rise, and insulin levels fall as you starve. In addition, cells in your body alter gene expression and activate crucial cellular repair processes. These advantages have convinced people how healthy intermittent fasting is. Caring for your health thoughtfully will guide you not just to stay fit but considerably save your hospital bills and online health insurance premiums.

To get online health insurance right now, click HERE .

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 pandemic was emotionally challenging for everyone globally. The sudden shutdown of the world was something that no one ever saw coming or would have imagined. The office-goers had to undergo an acute struggle of adapting themselves to this drastic transition.

But, now, with successful vaccination drives and improved safety standards, the workplaces are opening again, and people have started resuming their work. However, life before the pandemic and after the pandemic are two very different situations. So, while returning to your work again, it is crucial to understand that you have to be extra careful of your office premises with robust preventive measures to avoid exposure to the virus.

This post covers all the essential health and safety measures an employee and employer needs to follow. Continue reading to get the best Covid tips for your safety in the office!

For Employers:

• Before the office re-opens, ensure that it is properly disinfected and sanitized. Consider that every office space, such as equipment, tables, chairs, stationary, and other utilities.

• Create a Covid safety plan and guidelines for all the employees to ensure they do not catch an infection.

• Ensure regular temperature screening and measurement of oxygen levels before the employees enter the office. It will help to catch early symptoms and make sure other employees are not affected.

• Make masks mandatory even indoors. It is to prevent getting in contact with the virus.

• Make both COVID vaccination mandatory for the employees. If certain employees have not taken their vaccines yet, encourage them to take the vaccine or help them in getting the required vaccination. Sometimes, in-office vaccination camps can also help employees get vaccinated in the office premises.

• During meetings, ensure that the chairs are placed at a safe distance. It is advisable not to have too many employees in one room. Similarly, cafeteria or canteen area should be sanitized and have a strict code of conduct. Avoid any large social gatherings inside the office premises.

• If an employee demands sick leave, do not encourage them to come to the office and work. Instead, make sure you plan out paid sick leaves to protect other employees’ health.

• Use technology for the best and safety measures. With all the advanced options available, try to make things as contactless as possible, including the attendance machines.

• Limit all your business travel. Businesses must follow all the deadlines and guidelines issued by the government.

• Lastly, keep all the health essentials nearby and available. These include sanitizer, tissues, masks, napkins, soap, and doctor-on-call.

For Employees:

• As an employee, you need to take care of your hygiene and avoid contact with any person.

• Use sanitizer often, even for your keys, wallets, and other personal belongings, whenever you enter the office.

• In case you feel sick, ask for sick leave. Do not be in the mindset of, "I need to go; I will miss my salary." While your salary is crucial, you could spread the virus in your office.

• After returning from work, make sure you take a bath or sanitize yourself. It helps you protect your family.

• Keep your medical insurance intact. The pandemic has pushed most of the businesses operating online with a noticeable increase in online purchases. Similarly, buying online health insurance helps you avoid visiting the insurer's office and with lower insurance premiums for your policy.

• Avoid gatherings in the office as much as possible, and make sure you use masks whenever needed. The same should be followed even if you are vaccinated.

Collective efforts can make the return to the pre-pandemic life more conveniently. With positive intent, work enthusiasm, and by adhering to strict safety and hygiene standards, businesses and employees can ensure a safe physical return to the workplace. So, get your office bags and formal ready. The good old 9 to 5 days are coming back soon.

Click HERE to secure your health with the best health insurance plan.

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.

Metabolism constitutes the chemical activities that repeatedly occur inside your body that keep your organs regularly operating, such as breathing, cell repair, and food digestion. Your metabolic rate regulates the number of calories you burn while also maintaining bodily balance by monitoring blood sugar, cholesterol, and blood pressure levels.

However, the metabolic rate tends to slow down as you age. And some unhealthy habits accelerate the process. This invites health problems and makes our body vulnerable to infections. Maintaining a proper metabolism keeps the body in good shape and powers the organs to perform to their best capacities. But, we practice a few habits that negatively impact our metabolism at an alarming rate. Let’s look below at the mentioned factors that could be killing your metabolism.

1. Eliminating breakfast:
Needless to say, breakfast is the kick-starter of the day. It is the most important meal that no one should skip. Since our metabolism slows down during sleeping hours, eating in the morning is a way to provide ample calories for the entire day.

2. Excessive sitting:
Sitting for hours causes your body to go into energy-saving mode. This impedes your metabolism and impairs the body's capacity to control blood sugar, blood pressure and break down body fat.

3. Insufficient consumption of protein:
Protein fuels your muscles, and muscles are significant for metabolism. Also, protein improves satiety and is essential for maintaining a healthy weight.

4. Ignoring the importance of strength training:
The more active muscular tissue you have, the greater is your metabolic rate. Therefore, strength training is a vital component of metabolism since it directly connects to muscle mass.

5. Inadequate hydration:
A recent study proves that consuming half a litre of water improves metabolic rate by 30% that lasts for about an hour. So, by staying hydrated throughout the day, you'll have the benefit of a faster metabolism.

6. Poor sleep schedule:
You'll have a slower metabolism and hormone abnormalities if you don't get enough sleep for several nights in a row or have difficulty sleeping due to any medical condition. An average sleep time should be at least 07 hours a day.

7. Eating fast food regularly:
Junk food already adds a lot of calories, but it also slows down your metabolism as high-fat food takes longer to digest.

8. Feeling tense frequently:
Cortisol, a hormone produced by the body whenever stress intensifies. Cortisol significantly increases hunger, comfort food cravings, reduced desire to exercise, and poor sleep quality, all of which negatively influence metabolism. So, keep stress away for both mental and physical well-being.

9. Having a warm room to sleep in:
Our body responds indifferently to the surrounding temperature. Sleeping in a chilly environment can boost levels of brown fat, which burns calories to produce heat. The optimal nightly temperature is 19ºC.

We are sure you practice more than five of these bad habits unknowingly that affect your metabolic rate, making you unhealthy and inviting disorders. One can never elucidate the importance of taking care of the body at every age. Apart from these habits, we usually have another habit of not prioritizing and securing our finances against undesired health conditions. We simply recommend you stay in your best possible shape and back yourself up with insurance. If you haven’t protected yourself with a health insurance cover, rather than opting for conventional methods to purchase health insurance, buy online health insurance and get yourself a chance to bag great deals on your purchase.

To browse online health insurance, click HERE .

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.

Bone density lessens when they lose calcium faster than the body can restore. This condition is known as osteoporosis in the medical field. Both women and men can develop osteoporosis, although females are more vulnerable since their bones are comparatively smaller. There is an increased loss of bone density during menopause because of estrogen decline. For males, any disease that causes a drop in testosterone might raise the risk.

Osteoporosis is one of the most severe health conditions faced in India. Approximately 50 million people in the country suffer from low bone density conditions, which demand prompt attention.

Exercising fueled with good nutrition will help you keep these problems at bay if you start early. You can avoid this condition with two things, a good workout and healthy eating habits. However, if you have the condition already, it’s best to consult your doctor and proceed further.

In this blog, we’ll tell you the top 07 exercises that can help you increase your bone density and make you stronger.

Exercise 1: Foot Stomps

• Stomp your foot on the ground. Just like crushing a cold drink can.

• You have to stomp 4 times on each foot.

• Exercise 3-5 sets.

Exercise 2: Standing on a single leg

• Grab onto something which will help you maintain balance when you stand on a single leg.

• Lift any of your legs and place your raised foot on the inner thigh of the other leg.

• Hold the same position for about a minute.

• Now, repeat similarly for the other leg.

Exercise 3: Squats

• Stand with your feet hip-width apart. Your hips, toes, and knees should be pointing forward.

• Bend your knees and stretch the buttocks backwards. Make sure your knees don’t go beyond the toes, and your heels are bearing all your weight.

• Rise and repeat the movement 10-12 times. Do not overstretch yourself.

Exercise 4: Ball sit

• Sit on an exercising ball & keep your feet flat on the ground.

• Try keeping the back straight and maintaining your balance on the ball while doing it.

• Keep your arms out at your sides, palms facing front. Once done, hold that position for a minute.

• After each set, stand and rest. Apply the same for a new set!

Exercise 5: Hip leg lifts

• Stand with your feet at hip-width apart.

• Put your weight to your right foot.

• Swing your left foot and raise it to the side. Make sure you keep the leg straight when you perform this exercise. Also, do not go beyond the 6 inches mark off the ground.

• Lower the leg.

• Perform 10 to 12 repetitions and return to your standing position.

• Repeat the same exercise with another foot.

Exercise 6: Bicep curls

• Stand straight with a barbell / dumbbell in each hand, resting your elbows at your sides. Extend your forearms in front of you. Bend your knees slightly for an ideal posture.

• Bend your elbows and bring the barbell/dumbbells up to your shoulders. Hold for a second at the peak and try to squeeze the bicep muscle.

• Come back to the starting position.

• Do 10-12 repetitions and perform a couple of sets.

Exercise 7: Shoulder lifts

• Stand with your feet shoulder-width apart, chest high, shoulders squeezed, head straight, and abs tight. Hold the dumbbells/weights on either side.

• Raise the dumbbells just above shoulder level using only your shoulders and arms.

• Return to the initial position.

• Do 10-12 repetitions for the first set. Go for another set, only if possible.

When you perform these workouts, make sure to supplement the growth with proper nutrition. Consume food that has a good concentration of calcium content. Try to naturally increase calcium intake rather than depending on medicines or supplements.

Osteoporosis may make your knees weak, but health insurance will help you lift yourself up when the going gets tough. Don't let your finances go weak. Get health insurance that will cover your journey towards being strong again.

Click HERE to know about the health insurance plan that will secure all your medical needs.

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.

Are you like one of those superbike enthusiasts who would stop talking to their friends only to watch a superbike pass by? Do you also have a dream of owning a superbike at least once in your lifetime? If yes, well, then you have come to the right place!

When we say a superbike, it does not include the small capacity sports bike. We are talking about the ones with a liquid-cooled, four-stroke, in-line engine that produces a sweet humming sound. The options for superbikes in India have amplified a lot recently, but only knowing about the model names is not sufficient and would not help you out in any way.

So here are six things you must be aware of if buying a superbike.

1. Cost:

The engine contributes massively to determining the price of superbikes. A good superbike has an engine between 800 ccs to 1200 cc that derives power usually used in four-wheeled vehicles. A good superbike in India will cost you somewhere between Rs 5 lakh to Rs 40 lakh, for which you can also consider applying for a bike loan. But apart from the initial cost of buying, maintaining a superbike can at times be expensive because of the high-quality fuel requirement, repairs, and servicing. Plus, the bike insurance premiums also add up to the overall maintenance cost.
A cheaper option can also be a used superbike; this can be financially beneficial. But there are always a whole lot of things to consider before deciding to buy a used superbike.

2. Fuel:

You just can't compromise on the fuel quality for your superbike as it can do significant damage to your engines. The superbike manufacturers recommend fuel quality for each model based on the octane. In simple words, the higher the octane, the better the fuel grade. But this can be a problem at many fuel stations in India. For example, most superbikes require 95 RON; this is a fuel rating not available in India. So, before buying a superbike, check whether such high-quality fuels are accessible to you. Along with fuel, other liquids like engine oil and coolant also need to meet the standards.

3. Servicing:

Servicing for superbikes is expensive as most parts are not readily available. Also, you can't be sure that you would find good, adequately trained, and knowledgeable mechanics in your vicinity. Due to the condition of Indian roads, we also recommend quicker service schedules.

4. Insurance:

Basic bike insurance is a necessity for every motorcycle. However, for your superbikes, go for comprehensive bike insurance with multiple add-ons because the superbike parts are costly, and good insurance will be beneficial.

5. Skills:

Riding a superbike requires a lot of patience, practice, and caution. Multiple driving schools teach you how to ride a superbike. You often don't realize the amount of power a superbike has, that a small mistake can cause serious injuries. You must be capable enough to handle the strong machine with ease.

6. Safety gear:

A regular helmet is not enough when riding a superbike. You will have to invest in a good-quality helmet, riding suits, gloves, and boots.

Superbikes are for those who dream for bigger and faster things, but the greed for speed creates a need for safety. Such engineering marvels are full of power and require riders with a sense of responsibility and safety. Think about the usability of a superbike in your life, understand the cost and other requirements, and purchase one to feel that adrenaline rush through your blood.

Click HERE to buy insurance that will ensure the safety of your bikes.

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 have one bucket list to travel the world and witness every corner and culture of the globe. Ranging from road trips, hiking, camping, trekking, the excitement is never-ending for a traveller, and if this is a solo trip, the experience is unparalleled. Travelling solo is one of the most liberating and adventurous experiences in life.

You might doubt that travelling solo is not that easy, especially if this is your first. Below is the guide to give you the ten best tips to plan your backpacking for a solo trip.

1. Be a wanderer:

Don't stick to one place. Instead, explore as much as you can by walking around in the cities & countryside. Be like a free spirit, save your transportation cost within the destination.

2. Split up your spending:

Organize your budget smartly and choose public transport to travel. If you need a flight, then try grabbing some reasonable offers. For example, choose a safe hostel stay or travel by night train to cut your hotel costs.

3. Do your research:

More than the excitement for the travel, you need the proper planning. Once you have finalised the destination, do some homework about the culture, the best hotspots, local monuments, popular joints and the best travel route to reach there. You won’t feel alien and will be able to explore places freely and with a better perspective.

4. Don't bind yourself:

Decide a budget before leaving and adhere to it. The motive is to travel and discover maximum with minimum cost. So, research about free public attractions days, bus passes and discounted tickets that cost less than the usual fare. Prior planning will save your time and money for these discoveries.

5. Pack up mindfully:

Going light is still the thumb rule for every solo traveller. Remember to make an essential items list that helps you carry your luggage like a backpack and save time and money searching luggage cloakrooms.

6. Stick to your itinerary:

Before your actual trip, you must imagine yourself visiting the attractions mentally or virtually through your itinerary. Therefore, it is vital to design an ideal itinerary to have an organized trip. If you sincerely follow the itinerary, you are less likely to waste extra money and time.

7. Safety & essentials:

Don't forget that safety is a primary concern while you travel solo. Take a local SIM card to stay in touch with your family and friends if travelling overseas. Note down and save the emergency numbers, helpline numbers of the destination. Carry all the essential items you might require, such as a small first-aid kit, pair of masks, hand sanitizer for additional safety.

8. Organization is the key:

Keep a separate bag or folder and organize your important documents and papers like passport, hotel bookings, tickets, identity card, health insurance agency details etc. Keep a spare copy separately.

9. Communicate and socialize:

You can find other solo backpack travellers and can team up with them. Networking is the gift you will bring back with you, so open up and enjoy the excursions together. And interactions with fellow travellers might get you some ideas and advice that might help you navigate easily.

10. Enjoy low-cost thrills:

Not all good things are expensive. Enjoy local cuisines, weekly markets for shopping with less spending and more memories. Budget trips teach you several worthy life lessons. Through travel and planning, you get an opportunity to uncover your hidden abilities to be the best version of yourself.

You don't always need a company to travel. Managing everything yourself on a solo trip will help you reflect upon your true self. Lastly, as you are travelling alone most of the time, buckle up your health with the laces of health insurance to cover all your needs for the perfect solo trip ever. As it is rightly quoted, "You have to get out of the box and travel to identify who you are!"

Are you looking to buy health insurance? Click HERE .

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.

No one likes to be caught in traffic for hours. But let’s face it, it isn't easy to find our way without any traffic jams on the route. We can't blame the number of vehicles plying on the road solely, but our driving habits as well cause the heavy traffic jams. Almost every driver wants to get through traffic as quickly as possible, which is not always accurate and time saver.

It’s all too easy to give in to the temptation of switching to a lane that appears free from traffic. But if you think of it, will changing lanes constantly get you any closer to your destination? Or is it all just psychological to be thinking that the lane is always faster on the other side?

Following are the top ten tips to get through traffic keeping in mind the safety and rules.

1. Plan beforehand:

Plan your trip keeping in mind weather conditions, road construction, seasons and festivals, and the peak hours.

2. Keep your cool:

Getting frustrated while driving can lead to aggressive and reckless behaviour. This can hinder your mental state and make you lose your focus while driving, thereby endangering everyone on the road.

3. Reduce your speed:

Now naturally, in the middle of the traffic, you would not get a chance to drive speedily. Yet, some drivers habitually try to speed up to make up for a lost time, resulting in a crash.

4. Do not swerve through lanes or attempt to get ahead of traffic:

Other drivers may change lanes as you approach as they can’t foresee what you’re up to and vice versa. So, staying in one lane and abiding by the lane discipline is essential and the safest option.

5. Use indicators:

While weaving in and out of lanes is not advisable, it is occasionally required. Doing so with indicators will let people know what you’re doing, keep you safe, and make it easier for you if a vehicle enables you to pass them.

6. Remove all sources of distraction:

Always keep your eyes on the road. This is especially critical while travelling in congested areas. It doesn’t make driving less dangerous because you’re moving slower.

6. Remove all sources of distraction:

Always keep your eyes on the road. This is especially critical while travelling in congested areas. It doesn’t make driving less dangerous because you’re moving slower.

7. Practice driving proactively:

Just because you’re driving safely doesn’t guarantee everyone else is as well. So, stay alert and make judgments of fellow drivers on the road.

8. Take a break whenever needed:

Pull over to the side of the road and extend your legs while trying to relax.

9. Maintain a safe distance between you and the vehicle ahead of yours:

The ideal gap is said to be 3 seconds. Maintaining a safe buffer distance from vehicles ahead of you is crucial to eliminate the chances of collisions due to sudden braking.

10. Don’t stop and stare:

Turning your head to look at a crowd or a collision that isn’t involving you is a bad idea. Instead, keep an eye on the road ahead of you.

Always keep in mind that arriving at your destination safely is the first goal for all drivers on the road. Unfortunately, a traffic jam may take up most of your time, and delays are unavoidable in many situations. It is nearly impossible to eliminate traffic jams from our lives. But you can surely reduce the impact it might have on you.

Take the road safety measures, follow the above tips and ensure that you have online car insurance are some of the ways to make your driving smoother and stress-free. Remember that choosing trustworthy online car insurance supplements a layer of protection for you and your vehicle on the road against any eventuality.

To look for online car insurance, click HERE .

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 past two years have indeed taught us the importance of staying at home and keeping our house and surroundings healthy. Spending most of our time indoors, we naturally miss going out in the fresh air. But, a basic hack to welcome nature to your home and make it feel fresher is to adopt domestic plants.

Many of us prioritize the maintenance and size of a plant while purchasing them for our home but never really look for the benefits they provide. Of course, having ‘trendy’ plants around is a good idea. Still, a beautiful plant that silently works its magic on your health while you go along with your daily routine is even better. Here are the top indoor plants that can help you recover some common health issues;

1. Peace lily:

As beautiful as the name is, the essence of its nature remains unparalleled. These lilies demand no high maintenance and effortlessly add elegance to the room. Apart from its lovely appearance, this plant is known for eliminating hazardous chemicals from the air, such as ammonia, formaldehyde, benzene, and trichloroethylene. They even contribute to keeping the environment fresh and relatively humid.

2. Aloe vera:

Nothing makes a kitchen windowsill come alive like this warmth-loving succulent. Being one of the most low-maintenance plants; Aloe vera can do much more than make your skin glow. All you have to do is give it plenty of sunlight and watch out for brown spots on its leaves. The spots are an indication of abundant chemicals present in the air.

3. Philodendrons:

This big-leafed plant has made its mark all over Instagram for its attractive leaves. However, that is not all it offers; Philodendrons are renowned for removing hazardous substances from the air, including xylene and formaldehyde. It doesn’t ask for much attention except for being placed in a low-light and cool spot.

4. Herbs:

Shelter some herbs like Lavender, Peppermint, Rosemary, Thyme for multiple benefits. For example, lavender is well known for its aromatherapy to provide relief from stress. Traditionally, Rosemary has been considered to help people concentrate and sleep better. Whereas, Peppermint can help get rid of bacteria and bugs.

5. Transvaal Daisy:

Commonly known as Gerbera, it has pretty flowers and the capacity to remove benzene from indoor environments. A surprising fact about this plant is that it produces oxygen in tremendous amounts at night, making it the perfect decor for people suffering from lung problems, sleep apnea, and insomnia. Also, NASA recently acknowledged it as the best antioxidant plant.

Just the sense of being around nature can solve more than half of your health disorders, and it is a scientifically proven fact. Having indoor plants not only make your space more beautiful but also offer you many health benefits. Nevertheless, you cannot only rely on your houseplants to keep your health secured. Remember that choosing trustworthy health insurance supplements a layer of protection for your health. So, the next time when you water your indoor plants, consider what they’re giving you in return!

Click HERE to know more about the health insurance plans for you and your family.

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.

Winter is just around the corner, and we all are excited to welcome it with a smile. There is something magnificent about the chilly breeze, beanies, heaters, and crisp evenings. The sweater weather inspires us in numerous ways. Although, a large percentage of people despise this season due to varied reasons apart from the discomfort it brings along.

Our body can have a tough time adapting to the change in winters. Moving becomes a task, and we tend to get lethargic. Being curled up in a blanket doesn't allow us to leave, and all morning alarms go snoozed. We start late, and our daily schedules get hampered. Physical activities slow down drastically, and we love being idle rather than active.

But not anymore because we have compiled the best tips to keep yourself productive and increase your body's activeness. Have a quick look at it:

• Increase hydration and the intake of tea. Staying hydrated and warm throughout the day will keep you from being lethargic.

• The addition of supplements like vitamin D, C, E, and Zinc is a must in your diet as they can assist in remaining healthy throughout the winter. It will also make up for your body not getting enough sun.

• Exercising is an essential factor when it comes to staying active. Regular exercise has several advantages that assist in preventing our bodies from a variety of health disorders.

• Keep a natural diet plan. Take advantage of the season's whole fruits and vegetables and add them to your everyday meals for a nutritious diet.

• A good sleep helps your body regains its composure and energy. As a result, getting a proper amount of sleep is critical to cope with the tiredness and strains.

• A regular eating schedule can help to increase your metabolism and keep your glycogen stores maintained throughout winter.

• Practice conscious eating. Use moderation and substitution techniques in your diet. For example, soups are great options to add fibre-filled vegetables into your diet.

• Maintain personal hygiene. There is a significant risk of becoming a victim of viral infections if you do not possess a proper sanitary environment.

• Find ways to avoid winter blues. Find an activity to perform each day to keep yourself entertained and engaged which won't make you feel lazy. Listen to your favourite upbeat music, take short walks, treat yourself to some hot chocolate or green tea and hot showers, go out in the sun, and play outdoor sports with your friends.

• Start skincare. How your skin would react to cold is unpredictable. Hence, keep it moisturized all the time.

Make the most of the above tips to help you feel warmer and cozier during the winter season. Add them to your ways of dealing with winter blues and flu(s) and see how it works for you. Winter can be harsh, but we can keep our bodies healthy with suitable precautions and care. Sometimes despite being cautious, you may end up as a victim of viral diseases. So, as you layer yourself with warm clothes for protection, add another layer of health insurance to have the perfect winters.

Winters can be a little overwhelming, but it still brings the best; the berries, snow, Christmas, and new year. A little effort from your side can make the season your favourite!

To view the best health insurance policies, click HERE .

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 an investment that some individuals cannot afford, while others do not enjoy driving in overcrowded cities with heavy traffic. A new study shows that around 57% of people in India prefer cab services over owning a car. The figures of similar studies carried out in several other countries will surprise you too. Comparatively, in China and the United States, where people utilize ride-sharing services instead of their automobiles are 53% and 31%, respectively.

So, why in India are people preferring cab service over owning a car so much? In this post below, we'll try and answer it.

Here are the key advantages that people acknowledge to make this choice.

1. Service that is available round the clock:

Cabs are now accessible 24 hours a day, seven days a week. No matter if you're in your home town or out of the station. All you have to do is to book a cab through a mobile app. In no time, the cab will be at your doorsteps.

2. Convenience in this fast-paced life:

Got a presentation to prepare but you have to drive to the office too? Just book a taxi and continue working while your driver takes you to your destination. Not just that, as you don't have to drive yourself, you can utilize the time doing other important and meaningful tasks which you would rather have missed.

3. Variety of vehicles to choose from:

Cab services provide you with the luxury to book from a range of vehicle options. Cars ranging from sharing vehicles to high-end sedans are available. You can select a car based on your requirements and budget.

4. Professional drivers to ride with:

Cab services use well-trained professionals and experienced drivers to offer you comfortable transportation. The drivers are familiar with the city roads and traffic patterns. The driver will also assist you in reaching your destination quicker while keeping your safety in mind. A cab ride is even more favourable for you while commuting in an unknown city.

5. Other perks of being a passenger:

When you ride with a cab service, finding the proper spots for parking, paying tolls, and other things is not your headache.

6. Light on the pockets:

Studies have statistically proven that going for a rental is easier on your pockets in the long term for many cases. Feel free to check the study papers online, and calculate the expenses of both the possibilities.

Sounds good, right? However, the narrative about road safety and the accidents with cabs is anecdotal, proving that not all taxi rides end on a good note. In such a situation, the need for a personal accident policy arises even more. Individual personal accident insurance provides financial assistance to you in the event of an accident.

Choosing a cab service indeed has many advantages. These are just a few of the main reasons some individuals choose cab services over having a car. You may also consider savings like EMIs, petrol/diesel prices, and maintenance costs before making any purchase. On a conclusive note, now, we leave the decision to you, what between the two matches your requirements.

Click HERE to know more about personal accident insurance to make your trips safe!

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.

In the wake of the catastrophic fires in India these days, building owners have become more concerned about fire safety for their residential and commercial buildings. Once a fire starts spreading, it is hard to control it. Even though we have efficient modern firefighting methods, it is always better to be cautious about things that can cause destruction.

Ensuring fire safety for buildings is essential, as even a minor fire outbreak in a building can ignite the most extensive fires, sufficient to destroy the whole structure. No one can predict fire mishaps; therefore, improving our fire safety methods is necessary.

This article will look at the best methods to ensure fire safety for buildings that you can implement right away.

1. Educate people on fire safety:
Prevention is better than cure, and the saying cannot have a better real-life example. Unfortunately, most casualties and deaths occur during fire incidents because of insufficient knowledge on fire safety. Therefore, everyone in the building should be made aware of the fire protocols and guidelines.

2. Emergency escape route:
If a building catches fire, there is a possibility of a power breakdown, and the lift too will stop working immediately. Constructing emergency escapes or fire exits is a necessity in almost all high-rise buildings. It is important to ensure that nothing blocks the fire exit route.

3. Create designated smoking areas:
Always ensure the proper disposal of used cigarettes to avoid the possibility of sparks turning into flames. It is also mandatory to monitor smoking zones as several fires initiate from there. Nowadays, most of the premises maintain a smoke-free zones with the designated smoking areas in the building. Smoking anywhere other than the designated areas should be strictly prohibited.

4. Have a sound fire detecting system:
The first step that the maintenance department should take is to instal a fire detecting system in the building. There have been regular technology upgrades in fire sensors, and you must stay up-to-date with their handling to use them during an emergency. These sensors often send an alert to the local fire department, informing them of your location.

5. Display fire safety signs:
Signs are one of the most effective methods of cautioning people of danger. Fire safety warning signs, fire fighting equipment signs, and the labelling of piping that holds toxic compounds are examples of illuminated signs that communicate safety information.

6. Install a fire extinguishing system:
You do not always require the local fire department to put out the small fires. Modern buildings contain sprinklers and fire extinguishers to control minor fire outbreaks. We advise you to use fire sprinklers rather than fire extinguishers because people might not handle extinguishers because of a lack of training. On the other hand, sprinklers will equally spray water everywhere in the building, thus putting out any fire.

7. Inspect your fire doors:
Fire doors have helped save many lives and have considerably reduced the damage by slowing down the fire. Therefore, regularly check your fire doors and replace them immediately if they have undergone even a small fire.

Fires are not in our control, but the least we can do is prepare ourselves for them. Regular monitoring of fire safety equipment, maintaining them, following fire safety norms for the building, and mock fire drills are essentials for the buildings. Remember that, apart from following the above tips, you also need to choose fire insurance for the building. Fire insurance can immensely help you financially against any fire mishaps. During a fire, even a single second can make a massive difference. Always act immediately and sensibly during these incidents. Don’t hesitate to leave all your belongings and evacuate the place in case of a massive fire outbreak. You need to understand that you can get a new home, but what about your life?

Click HERE to know about the different fire insurance policies you can buy today!

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 each passing day, people are extra concerned about the environment and the reality of climate change. As a result, more and more people are opting for environment-friendly and sustainable options, like e-scooters as a greener alternative.

The face of personal transportation has immensely changed since the introduction of electric vehicles in the Indian market. Electric scooters are an excellent alternative to traditional combustion engines. They have become the new face of convenience and an affordable mode of transport in India, with over 150,000 e-bikes and e-scooters sold in 2020 alone.

Yet, we know relatively little about its reliability. And to better understand it clearly, we will answer a few questions and tell you about its limitations and advantages.

What is an electric scooter?
Electric bikes or scooters are plug-in electric vehicles that use electric motors to get locomotion.

What is the mileage of an electric scooter?
On average, an electric scooter can go up to 70 km in a single charge, that is 70 km in 10 rupees making it cost-effective and an efficient commutation option.

What batteries are used in an electric scooter?
Usually, electric scooters operate on lithium-ion batteries and adhere to a 12v starter battery or a 24v electrical system.

Do you need a driving license and insurance?
Yes, in India, you would need a driving license and 2 wheeler insurance to drive any vehicle which has a capacity of more than 250 kilowatts and can attain a speed higher than 25km per hour.

What is the expected life of an electric scooter?
Electric scooters might not have the same life span as petrol bikes because engines work longer than motors, but motors are easily replaceable.

Are electric scooters reliable?
When buying a vehicle, the main factor is its reliability—whether it is safe to use, performance, durability, flexibility, etc. To know it, let's understand the pros and cons of buying an electric scooter so that you can make a choice.

PROS:
1. Easy maintenance
There's no need to maintain a battery, clutch, or oil change, and there are no valves to tune, throttle bodies to sync, or air filters to replace. You'll only need to change tires and brake pads every once in a while.

2. Limited noise pollution
Of course, it is a myth that electric motorcycles are entirely silent, but still, the noises are comparatively minimal. This means that you get to enjoy a peaceful experience. Also, no neighbours will be disturbed late at night!

3. Environment-friendly
The best advantage that electric scooters bring with them is the green revolution. These sustainable vehicles are shaping the future of the world towards a cleaner and more environmentally safe era.

4. Insurance benefits
Reports suggested that the Indian EV market will grow at 36% in the coming years and emerge as a key segment in the insurance business. Thus, in most cases, you will notice that the 2 wheeler insurance premiums are comparatively low for electric vehicles.

CONS:
1. Charging
One of the main problems is finding a charging unit for your electric vehicles. Let's say you do find one, but certainly, charging will take more time than filling a tank with fuel. Therefore, a fuel-based vehicle is more practical due to the easy access to a gas station.

2. Resale value
Electric scooters have a low resale value. And if the battery needs replacement, there is almost no market value of the vehicle. Also, it is hard to find a buyer interested in a used e-bike.

3. Storage space
E-bikes generally do not have much storage space below the seat, but new design technology is finding solutions to address this requirement of ample storage in vehicles.

These checkpoints related to the reliability of an electric scooter come in handy for you to compare the advantages and understand your requirements correctly. Planning an e-scooter certainly brings your meaningful contribution towards zero air pollution.

Planning to buy a new electric bike? Click HERE to cover it with a reliable two-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.

A nutritious and filling breakfast fuels you up for the day and provides you with the energy you need after fasting for 8 to 12 hours. And not having one will leave you feeling irked and restless for the rest of the day. Therefore, it is essential to have an energy-rich breakfast in the morning.

But, what should be your ideal breakfast diet? Nutritionists suggest that your breakfast should have approximately 50 percent fruits or vegetables, 25 percent proteins, and 25 percent carbohydrates.

This article has rounded up seven healthy and tasty breakfast recipes that will charge your day.

1. Smoothies – a protein delight:
If you do not like a heavy breakfast, a smoothie is a perfect fit for you. It is a complete meal with all the essential minerals and vitamins. Then, just whip up a few fruits and veggies, and you are good to go! Adding a couple of ice cubes, dry fruits, or sleek pieces of fruits will elevate the taste of your smoothie.

2. Poha – the delicacy of the west:
Next on our list is everyone’s experimental and go-to breakfast. It is a famous dish of the western part of India but loved by the entire nation. It is tasty, light, and easy to make. It has a lot of variety to fit every taste - Kanda Poha, Aloo Poha, Tarri Poha, Curd Poha, Coconut-jaggery poha. The key ingredient here is rice flakes. You can add vegetables and spices the way you like.

3. Upma – cook it quickly:
Students living away from home prefer it because it is prepared in under 5 minutes without much hassle or even ingredients! It is slow to digest; therefore, it keeps you full for longer. Prepare this breakfast food using semolina or sooji and rice flour.

4. Salad – the authentic taste of fitness:
Some may think that a salad is not enough for breakfast, but there is nothing better than salad if you use the right ingredients. It is a perfect delight for diet-conscious people. It will boost your mood and productivity instantly, help maintain weight, enhance your digestive system, and be an excellent light breakfast option.

5. Idli – the trademark of the south:
Whenever South Indian breakfast is considered, idli always stays at the top. It is a steamed cake made of rice and black lentils. You can have an Idli with coconut chutney or vegetable stew. It is a healthy option as it requires no oil and is rich in carbohydrates, enzymes, and fibres.

6. Paratha – stuffed with love:
Many people consider it an unhealthy and heavy breakfast option as it is stuffed with excessive fats and consumes amounts of oil or butter. But, if you swap a few ingredients, it can be nutritious and delicious at the same time. Use whole wheat flour or multi-grain flour and knead the paratha dough with curd of whey water. Make your innovations as per your dietary requirements and enjoy parathas with curd, ketchup, or a chutney.

7. Muesli – the powerhouse of taste:
Muesli is a cold oatmeal dish full of fibre and proteins. To start your day on a sweet note, you may add chocolate, honey, and almond milk to your muesli. This breakfast recipe can give an energetic start to your day.

“One should not attend even the end of the world without a good breakfast.”- Robert Heinlein expressed this years ago, but it sounds right even today. Indeed, breakfast is crucial for the day. But on-the-go breakfast like bread and cheese or a packet of cookies is not sufficient. So, even if you are time-bound, it is still necessary to have an elaborate and disciplined breakfast daily.

To reinvent your breakfast routine, try bringing variations into your recipes. Search for exciting recipes online, watch videos, and bring newness to your morning meals. Along with these tips, invest in healthy habits like buying online health insurance to add the flavours of good health and financial safety to your life!

Click HERE to know more about the online health insurance you can buy.

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.

In this digital age, our professional and personal lives have all begun to gravitate toward the internet. Unfortunately, due to this widespread phenomenon, we are now more exposed than ever before to invasions of privacy and fraud. Businesses are at a higher risk of cyber attacks than individuals.

Hackers are making the best use of their mischievous minds to discover and exploit vulnerabilities in the working infrastructure of several small and large businesses. As a result, tons of sensitive digital data of users, customers and organizations, including government agencies, are subjected to threat from cybercriminals.

It's more urgent to get a solid cyber security policy in place to safeguard your business from cyber-attacks. In this article, we'll go through some pointers that will help you understand the criticality of this issue and help you take the necessary actions to get it secured right away.

Let's take a look at some common cyber-attacks first.

1. Phishing:
Phishing is when a fraudster appears as somebody else to trick individuals into supplying personal information such as credit card details. Financial institutions, Banking, E-commerce sectors are at high risk from phishing.

2. Ransomware:
This type of malware attack affects a computer or server; it encrypts files and locks them down. The attacker then demands payment to restore the files to their original state. Both private and government sectors can be affected severely by ransomware.

3. Spyware:
This is when a cybercriminal installs malware on a victim's computer; it collects their internet history, credentials, bank account information, and other sensitive data.

4. Denial of Service Attack:
Also known as a DoS attack, a hacker attempts to take down a network by flooding it with traffic to avoid other people from utilizing the service.

Why should you think about getting cyber security?

• Ample resources are required to recover from a cyberattack, with the typical breach taking 55 days to resolve. This will hinder and divert time, money, and personnel resources away from the other operations of your company.

• If your company stores a lot of personal information about your consumers, you must maintain its security so that no data of even a single user gets compromised. Customers can lose trust in your company when their valuable information is at risk in a data breach, and you can face unfavourable lawsuits as a result. 41% of customers believe they will stop doing business with a firm if their data is compromised.

Statistical overview:

• Every 39 seconds, a cyber-attack occurs around the globe.

• Cybercrime will cost the globe $6 trillion by the end of 2021.

• 24,000 malicious applications are eliminated across the web every day.

• By the end of 2021, the average ransomware request will be more than $1000.

• Only 25% of businesses worldwide have their cyber security department.

The threat of cybercrime is gradually rising. Millions of records are affected each year by data breaches, and reports of violations are increasing at an alarming rate.

It's not only about data privacy or net neutrality that needs attention; a complete change in emphasis to internet security is concerning. In the long term, taking an extra step in cyber and email protection can help businesses increase their overall productivity. You can take an extra step today by getting public liability insurance in India. This will help you cover both first and third-party liabilities caused due to online attacks.

See the best public liability insurance in India HERE .

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 current pandemic situation has undoubtedly left us feeling depressed and lethargic. Unlike before, being stuck at home, we do not have much to look forward to, which has affected our hormonal balance. Everyone is dealing with this situation in their own way, and some of us have a hard time adapting to this change. Especially people with an active lifestyle find this switch extremely challenging.

Before it starts to take a toll on your mental state, we must find ways to cope with it. One of the ways is to boost your happy hormones to keep yourself healthy.

What are happy hormones?
These neurotransmitters have a role in mood control, pleasure, bonding, and even pain reduction. These enzymes are essential for your health in areas such as growth and development, metabolism, and reproduction. Happy hormones mainly include Dopamine, Serotonin, Oxytocin, and Endorphin.

How to boost these hormones?

1. Dopamine – the “Reward Chemical”
Linked with pleasurable experiences and a motor system function, Dopamine is an essential element of your brain’s reward system. It is nicknamed the “feel-good” hormone.
To boost it: Get plenty of rest, eat nuts, try to achieve realistic goals and spend time practicing healthy hobbies or getting soaked in the sun. Musical therapy and meditation can also increase dopamine levels surprisingly.

2. Serotonin – the “Mood Stabilizer”
This hormone assists in the regulation of your mood, appetite, digestion, learning capacity, and memory. Low levels of serotonin can land you into depression.
To boost it: Work out, or participate in a sport, consume carbs, drink milk at night, and focus on incorporating omega-3-rich foods into your diet. Mood enhancement can also boost serotonin levels. Cheer yourself up by recalling all the beautiful memories of the past. You may open an old photo album or do an activity that excites you the most.

3. Oxytocin – the “Love Hormone”
The feeling of love, affection, and being valued boost the oxytocin level; hence it is nick-named as the “love hormone.” It also helps develop trust, empathy, and bonding in relationships through deeper connections and physical intimacy.
To boost it: Get a massage once a week, take up a new hobby, spend quality time with loved ones, help someone, have a pet, or practice yoga.

4. Endorphins – the “Pain Killer”
Your endorphin levels tend to rise when you engage in reward-producing activities like eating, working out, or having a fun time celebrating even small moments. It is also a natural pain reliever produced by your body in reaction to stress or suffering. Endorphins redefine our social attachments by promoting pleasure.
To boost it: Go out for a run, eat a protein-rich meal, plan out a romantic evening, take a hot shower.

Your body remains active and energetic if your mind is refreshed and active. Therefore, boosting your happy hormones is crucial for a healthy lifestyle. Besides the suggested ways to improve productivity, you can figure out your methods to develop and boost these hormones. Find what makes you genuinely happy and pursue it often to lead a healthy lifestyle. While you are at it, do not forget to back up your physical health with insurance. Browse through our online health insurance plans to seek the best one that makes your dopamine level go high, to feel good and safe!

To find online health insurance plans, click HERE .

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.

Unlike old times, almost all car manufacturing companies are now producing new vehicles with both petrol and diesel variants. With it, the common misbelief of a petrol car being superior is also burning to the ground. The way diesel engines have advanced significantly poses a severe threat to their petrol rivals by being more efficient and economical.

But the debate remains as to whether to go for a petrol or diesel model. Allow us to clear it out for you quickly. Here are the 5 major aspects to compare both the options, and let’s view the results.

1. Performance:
If you are a power enthusiast looking deeply into car performance other than anything, remember that a car’s performance is mainly affected by the amount of weight it carries. However, both petrol and diesel cars offer specific power. For example, if you like instant pick up, a petrol car will impress you better. On the other hand, a diesel car will amaze you with the sudden thrust despite the slow start. So, out of the two variants, decide what suits you better.

2. Prices:
Diesel models are generally more expensive than their petrol rivals, and so is their maintenance cost. Do not let the fuel prices confuse you with the car prices. Although diesel as a fuel is cheaper than petrol in our country, the cars sell at a higher price. It's on you to decide whether to pay more for your car one time or more for your fuel every time.

3. Maintenance expenses:
Do diesel models require a higher maintenance cost? That no longer stands true for every case. Although maintaining a diesel vehicle is still more expensive than a petrol vehicle, it has become comparatively affordable than earlier. It even varies between the different classes of the car and the brand.

4. Fuel-efficiency:
This is something to consider later in all the aspects mentioned earlier. Mileage for diesel vehicles is one of the sole reasons for people to choose them over petrol vehicles. A diesel car will run more kilometres in the same litres of fuel than a petrol car. So, in terms of fuel efficiency, diesel cars are clearly the prize winner.

5. Fuel costs:
India has always had diesel at a reduced price than petrol owing to the subsidies. Although the price gap has reduced continuously in almost all states, this is still a fact. Hence, diesel is cheaper than petrol, with diesel vehicles having a better mileage than the latter. Therefore, despite the initial higher charges, it is proved that a diesel car is affordable after all.

Owning a car is a luxury in itself; hence ensure to get the one most suited to your expectations. Regardless of what type of car you buy, decide it after assessing the running cost, the duration you want to retain it and resell value it brings to you. And when you finally make a purchase, do not forget to buy new car insurance as made mandatory by the laws. Apart from choosing the best vehicle variant, you also need to buy new car insurance for a financial safety net if the unexpected occurs.

To buy new car insurance for your car, click HERE .

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.

No one likes to think about the possibility of their vehicle being in an accident, but knowing what to do when it happens, helps you a lot. According to a survey, almost 77% of drivers have been in at least one accident during their lifetime. Thus, as per the facts, your chances of getting into a car accident during a 1,000-mile trip are 1 in 366.

After a car crash, your immediate response is to ensure everyone's safety and get medical attention even if the injuries seem minor to you. The immediate aftermath of an accident is quite stressful, and not knowing what should be your next step only adds to the stress.

Therefore, it is time you learn what to do when your car gets totaled post an accident.

After the accident, when you inform your insurance company about the incident to claim your insurance, the company may deem your car to be 'totaled'.

But, first, what exactly does 'a totaled car' mean?

• If the value of repairing the vehicle is more than the value of the car, pre-accident.

• If it can be dangerous to use the car again after the repair work.

Some companies cover the cost of towing the car. Few look after your rental car bills only for three days, whereas some might cover for an extended period. Different companies have different policies for the drivers. Therefore, it is better to be familiar with your private car insurance policy.

Now follow the given steps to claim your insurance settlement.

Step 1
Give your insurance company a call. Many companies have mobile applications where you can click images of the damage and post them, and an inspector will survey the specifics. But, when you think your car is totaled, it will take much more than a basic inspection to verify the damage.
Sometimes, there is not much visible damage, but some damaged parts of the car can cost much more than you anticipate. For this, you will have to trust your inspector to do a thorough inspection of your vehicle.

Step 2
Submit your application, policy details, and police report. Now, all companies have different documentation processes, and you must be sure to understand what papers you will need to submit precisely. Your settlement request would not proceed further unless the company has received all that it needs.

Step 3
Whether you own the vehicle or are leasing it, the insurance company will write a check to you, your lender, or the lease company. The amount of your total loss settlement will be the AVC, average cash value of your car, which depends on the following

• the current market value of your vehicle

• the condition of your car pre-accident as well as its mileage

• other features of the car such as leather seats, power windows etc.

Sometimes fortune turns harsh on us, and it becomes tough to accept the reality. Accidents can happen anytime, and it is rightly quoted that 'Accidents hurt, but not safety.' The recovery post a severe accident is never a peaceful process. Seeing your beloved car turn into crushed pieces of metal is an awful feeling. Don't wait for the worst to happen. Be prepared by buying private car insurance that assures you the complete assistance and compensation you expect during the tough times.

Need private car insurance? Click HERE to get the best insurance quotes.

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 may be spending every day driving around in your car but not well aware of its every feature. We can guarantee you that you have missed out on more than one feature of your car. But you have got nothing to worry about as we have you covered.

Failing to notice each of your car’s features is quite common and happens to all of us. The reason could be because it is not in your direct vision or sometimes, we are just too caught up to notice it. People are not familiar with these high-tech vehicles yet, and it is understandable.

Allow us to introduce you to these amusing features that you probably overlooked.

1. A trunk that doesn’t require you to use your hands: Some new cars have these sensors that automatically unlock and open the trunk when you wave your palm in front of a sensor or detect your smart key in your pocket.

2. Extra storage space: Few cars come with hidden storage under the passenger seats or beneath the foot space.

3. Rearview mirror that dips: The rearview mirror has adjustable settings to keep you from blinding by headlight glare? To switch between “day” and “night” settings, you only have to utilize the tab below the mirror.

4. Sensors for lane centering: Another feature of self-driving technology works based on a camera installed behind the windshield to scan lane lines and alarm you if you go out of the lane.

5. Hooks for hanging things: Also called the takeaway hooks, these are commonly located near the headrests and above the rear doors. You will also find spaces to hang your shopping bags if you look closely.

6. Fuel-efficient body frames: Some cars feature aluminium frames instead of steel bodies to reduce their weight. It makes the car more fuel-efficient as it increases the speed and eventually improves the mileage.

7. Magic seats: This seat system allows you to fold the passenger seat entirely to increase your boot space.

8. Colour-coded cables: Many modern-day cars come with different colour cables in the hood so the driver can quickly know what to look for between maintenance. The oil cap, coolant, brake fluid, and washer fluid cables are all colour-coded for convenience.

9. Amplified soundproofing: Accelerometers fitted on the vehicle detect the motions and vibrations that generate noise. Then the Bose RNC technology sends a cancellation signal directly to the car’s sound system.

10. ESD: It stands for Electronic Stability Control. This feature automatically applies the car’s brakes to regulate a turn in tight corners or bad weather.

These are the top ten overlooked yet valuable features of newly produced cars that we accumulated for you. So, acquaint yourself with all the fantastic features of your vehicle and make your driving more comfortable and hassle-free than ever.

As much as it is fun to discover your car’s crazy features, it is crucial to look after its protection. Overlooking your car’s functions may not be a big deal, but ignoring your car insurance renewal is. Do not forget to keep your car insurance renewal on time to avoid interruption in receiving the policy’s benefits in terms of safety during the time of mishaps.

To buy or renew car insurance online, click HERE .

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 craze of upgrading the look and feel of bikes has been a massive attraction, especially for the youth. These modifications are mainly made on the aesthetics or performance of the bike. However, people spend hefty amounts to get these modifications without considering their influence on the vehicle's insurance premium.

Also, know that not every modification is for looks and performance; some are for ensuring security. So, the question remains, how do all these modifications affect the insurance premium?

Below, we've explained all the types of modifications and their effect on your vehicle insurance premiums.

1. Modifications aimed at performance enhancement:
All bikers seek greater performance from their motorcycles. Whether it's a small or large modification, most of them enjoy altering things that they feel would considerably improve the performance of their bikes. Changes are done for faster acceleration, better handling, and effective braking.
Typically, insurance companies view such bike modifications as 'risky,' as more incredible speed increases the likelihood of an accident. As a result, they charge a higher premium for bike insurance.

2. Modifications aimed at aesthetics improvement:
Aesthetic changes improve your bike's visual appeal and give it a distinct appearance. For example, you may customize your bike by changing its colour, altering the seat cover, adding fibre components to bulk up the bike, or adjusting the headlights to make it look sporty. These upgrades come with an increased danger of your bike being stolen. As a result, the cost of your insurance premium may shoot up.

3. Modifications aimed at security:
Not all bike upgrades raise the value of the bike. Security upgrades might help you save money on your bike insurance premiums. Such changes are to reduce the likelihood of bike theft. Increasing the security of your bike with sensors, locks, and other such equipment can help you save money on your bike insurance.
Insurance companies provide discounts for installing anti-theft systems because they perceive it as a deterrent to theft. As a result, it is a win-win situation for both the insurer and the insured. To get benefits on your bike insurance rate, make sure you only install gadgets that have been certified by the Automotive Research Association of India.

4. Modifications aimed for specially abled persons:
If a rider is differently abled, his bike will be modified to accommodate his impairment, thereby allowing him to ride more comfortably and conveniently. There are no additional fees for such modifications. Instead, the insurance provider offers a discount to make these modifications.

Several factors influence the premium amount whenever you modify your bike. As a result, you must notify your insurer of any changes while purchasing bike insurance online or physically.

We all want to make our bike unique by personalizing it. However, before you make major changes to increase its appearance and worth, you may seek clearance from the ARAI and RTO about all the modifications. As previously indicated, modifications made for safety purposes will not raise insurance premiums, but those made for aesthetic reasons can be pricey. When purchasing or renewing bike insurance online, make sure to inform the insurer of any changes to avoid any hassles at the time of claim settlements.

Click HERE to get the best two-wheeler insurance for your modified bikes.

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 increased riders' registrations and two-wheelers plying on the road, motorcycling is becoming more popular in India, thanks to new technologies mainly observed in cars. This digitalization in the automotive industry helps improve fuel efficiency, reduces emissions, and eliminates the possible risk for the two-wheeler and rider.

Manufacturers are steadily researching new technologies to make the bike experience safe. This article will look at a few inventions that have revolutionized how we think about motorcycle safety.

1. Anti-lock Braking System (ABS):
Anti-lock Braking System prevents the wheel(s) of a motorbike from locking up during hard braking. This technology employs speed sensors on both wheels to correctly estimate wheel speed and recognize when a wheel will lock.
This mechanism adjusts the braking pressure to prevent the tyres from locking up and maintain the motorcycle's balance. It also helps to minimize braking distance in several situations. Motorcycles equipped with anti-lock brakes are less likely to meet an accident on the road.

2. Traction Control System (TCS):
Traction control avoids drifting while accelerating on a slippery surface. It limits engine power until the bike can travel without the wheels slipping and provides maximum turning stability.
The sensors and the Electronic Control Unit are the two primary components of a traction control system. The ECU captures data on gravitational forces, lean angles, and other factors. The sensors are constantly updating raw data about the motorcycle's present location. This information helps to adjust the amount of power sent to the back wheels and prevent skidding.

3. Slipper clutch mechanism:
A slipper clutch aims at reducing the effect of engine braking when the rider decelerates. It works by transmitting braking force through the chain drive, making the rear wheel shake and lose traction when the back wheel tries to move the engine quicker than it would under deceleration. The slipper clutch partly disengages the engine until the conditions are suitable for reengaging.

4. Tyre Pressure Monitoring System (TPMS):
This technology works by installing pressure monitoring sensors inside each tyre's valve. These sensors collect data from each tyre, send it to a module that compares it from both tyres and notify the rider if any tyre has low, high, or uneven pressure.
Low tyre pressure can cause slow handling, increasing your chance of meeting an accident. The TPMS technology assists you in avoiding such instances.

5. Ride By Wire technology (RBW):
Ride-by-wire is a new-age acceleration system; it eliminates the need for cables. It's an electronic throttle system that removes the mechanical throttle wire's coupling to the acceleration handlebar. This unique system results in faster and more accurate throttle response.

These cutting-edge technologies are helping bikers with safer riding experiences. As a rider, make sure your bike has these advanced safety features to provide you with a comfortable riding experience and the best possible protection. While you get prepared to upgrade for a bike loaded with these new safety-enhancing features for your bike, also remember to have valid two-wheeler insurance; not only is it necessary, but it is mandatory by the law. Always remember to get ideal 2 wheeler insurance online to improve your safety!

To know about the best 2 wheeler insurance online, click HERE .

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.

If you travel daily to work together or plan long rides during holidays, riding with a co-passenger always makes a journey lively and enjoyable.

Riding a two-wheeler demands alertness at all times. But, being accompanied by a pillion rider requires more vigilance. Most riders have a basic understanding of riding a bike safely, however, things change a lot when riding with a pillion rider.

Being a responsible rider, you must ensure the safety of your riding partner too. Any injury to the pillion rider might detract from the enjoyment of your travel. In this space, we’ve emphasized how to safeguard your co-rider during your bike trip.

1. Basic dos and don’ts for the pillion:

Dos:

• Always maintain a constant posture and balance your body weight

• Assist with the navigation

Don’ts:

• Never engage the rider in too many conversations and unnecessary distractions

• Don't shift your body weight to the rider

• Avoid sudden reactions or jerky movements

2. Best use of a seat and a backrest:
An uneasy pillion passenger may shuffle in their seat, resulting in a persistent state of unbalance. Hence, investing in a decent quality backrest can be of great help. It not only guarantees the pillion rider’s comfort but also keeps the bike from losing balance.

3. Check your two-wheeler’s suspension adjustment:
A pillion rider results in a greater centre of gravity, which can affect the bike's handling. As a result, make sure your bike’s suspension is adjusted correctly. For example, installing an adjustable rear shock might assist you in achieving the proper setup for riding with a pillion rider.

4. Pay attention to your braking and turning:
These are the two factors that have a significant influence on a two-wheeler’s balance. Keep your speed under control, specifically on the turns. Also, practice a progressive braking technique rather than grabbing a fistful. These are the two moments in which you should be aware of the presence of a pillion rider and alter your movement accordingly.

5. Communication is the key:
Some co-passengers feel uncomfortable while riding. They are scared of speed or sharp turns and find it difficult to adjust with maneuvering. Your pillion rider must know your motorcycle riding skills and is comfortable while on the road. You should have the transparency to tell the other person to speak out the fear, and you can accordingly adjust the speed to make the co-passenger comfortable. If you are riding with someone, always make sure you both can talk things out comfortably and enjoy the ride without hesitation.

6. Safety should always be a priority:
One cannot compromise safety, especially when riding with a pillion rider. As two-wheelers are more prone to road accidents, it’s your responsibility to take safety measures seriously. Invest in good quality riding gear, purchase ISI-certified helmets for you and your co-rider. Don’t let unfortunate incidents affect the excitement of your ride. Check for bike insurance online, browse through different options, and buy one to avoid financial setbacks in case of damages.

Making your pillion rider feel safe about riding with you is important for a pleasant ride. There has to be trust and understanding between both riders. Take extra care when riding with kids or older people. Cover distances together but keep safety and comfort as the priority.

Looking for bike insurance online, click HERE .

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 internet is a whole new universe that is opening up several opportunities for people. It is a clear manifestation of innovation and endless possibilities. And WiFi lets us access the internet quickly at reasonable rates.

For almost all the new car buyers, cutting-edge features such as WiFi connectivity is increasingly becoming popular. With WIFI onboard, you feel like resting on the couch at home and accessing social media, working on the go, checking important news, or having quick connectivity with emergency services and navigations.

So, how do you install WiFi in your car? Nearly every new car variant provides an in-built WiFi feature. But if you are not changing your vehicle anytime soon, read through the different ways to install WiFi in your car and make it a moving hotspot.

1. Use your phone as a WiFi hotspot:
All smartphones have the option of enabling personal or WiFi hotspots, and it can be an excellent quick fix. But it is not a long-term solution for a few significant reasons- iPhone allows five devices at a time to connect to a hotspot. In contrast, Android allows ten users, consuming a lot of data from your limited Internet plan. Can an unlimited data plan solve the problem? No, because this is data tethering. Therefore, many Internet-providing companies restrict the amount of data you can transfer through mobile hotspots. Also, switching on the hotspot will drain your cellphone's battery quickly.

2. Buy a portable hotspot device:
It is perfect for people having mobile offices. Just a suitable hotspot device is enough to send emails, have meetings, even a quick refreshing episode of your favourite series. A mobile hotspot device is a portable WiFi router that also has a cellular connection. It uses data, but not from your smartphone plan but a different internet plan instead.
You can either pay a monthly cost or with the "pay-as-you-go" option. But these devices require electrical power, which you can supply from the car's electrical outlet, the cigarette lighter, or a USB port. You can opt to buy a device designed to plug into the USB port of the laptop.

3. Go seamless and install a wireless router:
These are similar to the ones at your homes. You can also install a wireless router in your car, but you will need to buy a data pack with it. This is ideal for business vehicles requiring configuring for mobile connectivity, but for casual users, the whole process of installing can be a little expensive.

With remote working influencing our lives profoundly, making your car an internet hub can help you explore unique touchpoints of joyful experiences. Now, with the advancements of internet mobility, you can plan frequent business trips that allow you to work along with the luxury of travelling, access real-time traffic data, or navigate smoothly with the help of enhanced maps.

But remember, before choosing a way to install WiFi in your vehicle, consider factors like affordability and data usage per day. Thus, calculate the other maintenance costs, car insurance renewal, commuting costs before adding extra WiFi expenses. In the end, it is about your personal preference and weighing the pros and cons.

Click HERE to know more about motor insurances for your car.

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.

According to government data, 50% of India's road accident deaths might have been avoided if the injured had received basic first aid within an hour of the accident. Generally, before the paramedics arrive, police and pedestrians are the first ones to be present at the spot of the accident. If they have proper knowledge about first aid, they can be the link between the life and death of an individual. These quick points will help you learn some essential first aid tips if you find yourself in a similar situation.

1. Look for injuries:
When you're at the scene, clear out the traffic, and importantly, don't panic. Take the injured person carefully to a safe place and quickly look at all the injuries they have. Excessive blood loss is the main reason for the wounded person succumbing to the accident. If the victim is losing too much blood, tie the part above the wound to restrain blood flow and avoid further loss.
Important tip: Many individuals have their first aid kits on the bike; you can use the bandages from the first-aid kit to help you with the first aid tasks.

2. Call an Ambulance right away:
102 is the national helpline number for the ambulance service. To the best of your knowledge, provide whatever information asked by the dispatcher.

3. Check the victim's air passage:
It's critical to check the airway to ensure they're not facing breathing difficulties. Then, constantly, keep checking their pulse and feel their nerves.
If the victim is responsive, it's a good sign that means they can breathe. But if the victim is unresponsive, make sure you put them in such a position that opens their airway. Here's how:
• Gently tilt the victim's head backwards by holding their forehead
• Lift their chin vertically upwards by placing two fingers beneath the bony area of their chin

4. Perform CPR:
If the process mentioned above didn't work, try combining it with CPR. It will assist in the re-establishment of the circulatory and respiratory systems. Here's how you can do it:
• Rest the victim on a plain flat surface
• Interlock your fingers and place your palms facing down on the chest for compression; push down on the chest for roughly two inches. Repeat for a total of 30 compressions
• If you notice that CPR is working, place them in the recovery position (on either of their sides). Make sure to support their neck to prevent additional damage

5. Keep the victim warm at all times:
When an injury is severe, the core and skin temperatures can drop considerably. This can lead to hypothermia and worse death. It's crucial to keep the victim warm, so use anything you have on hand, whether it's a jacket, a blanket, or a pullover. Try to provide good support to the spine of the injured.

Don’t over-exert yourself in your attempt to revive the injured; it might worsen the situation. You need to understand that you’re not a medical professional, so whatever you do involves potential risks. It is righteous to save lives, but only within the boundaries of our expertise, knowledge, and capacity. Your best care during the ‘Golden hour’ can give someone a new life.

We’ll witness an accident or a medical situation that needs our assistance at some time in our lives. But remember that it can be the other way around; you might get caught up in an accident. In such times any aid is of great help. Safety first is what you should bear in mind when riding the bike. Ride with proper safety gears for uncompromised security. You can rely on Magma HDI bike insurance online plans to provide an additional layer of protection to your bike. Buy bike insurance online if you haven’t got one yet.

Click HERE to know more about the best bike insurance online to keep your bike and finances safe.

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.

Hybrid vehicles are the next significant advancement in the automobile's evolution. They combine the best features of both classic internal combustion engine vehicles and modern-age electric cars. In practicality, both electricity and petroleum power the motor of a hybrid vehicle, making them incredibly fuel-efficient. As a result, a hybrid automobile consumes less than half the fuel as a regular family car. This also means that they are not only cost-effective but also environmentally sustainable.

Unlike electric vehicles, hybrid cars don't have a plug-in system for charging the batteries. Instead, these vehicles use kinetic energy to charge the batteries. Hybrid vehicles are gaining popularity and are making headlines of a green revolution worldwide. In this article, we'll see precisely how.

1. Lower carbon footprint:
Hybrid vehicles lower carbon emissions while boosting fuel efficiency by combining power from both electricity and fossil fuels. The vehicle generates its power with the help of energy stored in its lithium-ion batteries and supplied to electric motor generators on the electric side. These motors provide power to the wheels while simultaneously generating electricity through regenerative braking. Hybrid vehicles do consume gasoline, but they do it with small engines that produce low emissions. The engines are either employed to create electricity for the batteries or power the electric motors.

2. Hybrid vehicles have better mileage:
In addition to advancements in engine technology, characteristics like lighter chassis material, stronger tyres with greater pressure, better aerodynamics, and a smaller fuel tank helps a hybrid car be more efficient and save money on petrol, contributing to reduced usage of fossil fuels.

3. Hybrid cars make little to no noise:
Among ecologically sustainable automobiles, hybrid vehicles occupy centre stage. They are known for being extremely quiet in urban traffic circumstances, in addition to emitting less pollution. They may be able to lessen urban noise pollution as a result of this. You might not hear anything at all if a hybrid car drives down the street. It’s that swift and silent!

4. Recycled material goes into the making of hybrid cars:
To build automobile components, hybrid car manufacturers blend automotive eco-plastic with regular plastic. This is not only environmentally beneficial but also cost-effective. Its environmental impact is most apparent when looking at the overall effect of mass manufacturing rather than on a case-by-case basis.

5. Car battery production can be environment friendly:
Although hybrid automobiles do not contribute much to road pollution, the production of their batteries can be hazardous if done incorrectly. But the corporations are developing more environmentally friendly production lines to ensure minimum pressure on the planet.

Also, suppose you compare the carbon emission caused by the production of batteries to the carbon emission of cars running on fossil fuels in the longer run. In that case, hybrid vehicles prove to be more sustainable.

Finals Thoughts
Despite being still a relatively new technology, Hybrid vehicles will only get more advanced and sustainable as time goes on. Moreover, as the pollution created by ICE cars becomes a more significant problem, hybrids provide a rational option for a cleaner future.
Like traditional cars are subject to mandatory insurance in our country, hybrid vehicles are no exception. They need to have a motor insurance too. So if you're planning to join this electric revolution happening in our nation, have thorough research on the best car insurance online that provides an insurance cover to your next hybrid vehicle.

Click HERE to know the best car 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.

Imagine how you would feel while returning to your parked car and finding it dented out of nowhere. You went to your neighbourhood store for some groceries; that was enough to ruin your day as well as harm your pockets, right? Unfortunately, hit and run parking scenarios are the frequent incidents to be noticed around.

The driver's fleeing with no apology or contact note is the least you can expect to worsen your situation. Such incidents might result in a reactive scenario as well. Here is the guide to help you handle such a situation, considering all the factors and possibilities.

The first step
Note the incident in detail. You may or may not have a witness around or any CCTV camera present always. So, take the notes—the time, date, day, damage level, surrounding, etc. Also, take pictures of the damage/dent/scratch caused to your car.

Inform the cops
After the incident, if the damage is severe, it is essential to follow the legalities and inform the police. Report it to police and solve the incident peacefully. This will also help you get your insurance claim depending on the severity level. Sometimes, a personal injury is likely to happen if you are present in the car at the time of the incident.

Search for the accused driver
A well-mannered driver would always be present at the spot till you return and get it resolved. Or least leave a detailed apology note after such an incident with the contact details. But it's rare to find such. That is why it makes it 'Hit and run,' because people tend to leave the spot irresponsibly out of fear. You may hunt the accused driver either by asking the witnesses about it or watching the CCTV footage if available.

Contact your insurance company
Contact your insurance company immediately and register your complaint. Even if you don't have details of the driver who damaged your car or any CCTV footage to prove it, your insurance policy may still save your costs and help you recover damage. Hence, it's always helpful to have a vehicle insurance policy. While many people don’t calculate such risks and ignore the features of a good car insurance policy, get an online car insurance policy that provides financial cover for such damages.

Now you would question what if the driver fled? Will your car get covered in such a situation? Yes, you will get the claim! If the offender runs away from the accident spot without informing or compensating for your loss, then you can contact your insurance company. There are two types of coverage provided by insurance companies.

a. Uninsured motorist/driver coverage
This claim is possible when the person who hit your car is uninsured. Additionally, this is applicable for physical injury, so don’t claim it if there is no human presence in the vehicle at the time of the incident.

b. Coverage of collision
This coverage is a super shield. Regardless of who was at fault, this covers all the compensations for your car accident. You just need to prove that your car suffered a loss due to an unfortunate incident, and that’s it; you get the claim.

On a conclusive note, try to engage with the witnesses. Once in a while, everyone faces such incidents, so remain calm and follow the legal procedures. Consider the opposite person's explanation and look at the whole picture of the accident.

And, the good news! You will be compensated in every possible way if you have a low-risk driving profile and a good insurance policy for your car. So, check online car insurance policy features and see if it provides a comprehensive cover for your vehicle.

Click HERE to learn about the best insurance plans to protect your car.

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 a used vehicle has taken centre stage as people believe that second hand vehicles are not a bad investment. A well maintained second hand car saves you a lot of money, gives you the same satisfaction as a new car, and keeps providing quality transportation for many years at a much reduced rate.

Did you know that a new car loses 11% of its value on the way home? And significant vehicle depreciation occurs in the first few years of use. But with a used car, the bulk of depreciation has already happened!

Here is the catch; tons of pre-owned vehicles are available in the market, and narrowing down the best deals is rather complicated when you do not have enough knowledge. So, to save your time and money, here are 7 common mistakes you should avoid when buying a used car.

1. Not enough research:
Do not rely on the car dealer blindly about everything. Before you take a decision to buy a car:
• Note down your requirements
• Figure out what things are non-acceptable to you
• Decide what model and price fit best to your needs

2. Not having the test driving:
Test drive is your chance to inspect the car’s condition thoroughly. Check the engine noise, brake, clutch control, steering components, gearbox, air conditioning, and how comfortable you are when in the driving seat. It is better to ask a car expert friend to accompany you for the test drive. And do not make the mistake of taking a short test drive; this is your time to feel the vehicle and help you make the right decision.

3. Ignoring the online reviews:
They are there to help you buy a perfect vehicle. Though every business receives a few negative comments, only if there are consistently bad reviews about a dealership or a car model, think twice before buying it.

4. Not getting it checked by a mechanic:
Remember always to get a professional’s second opinion. Please do not pay for the car you are interested in unless you get your trusted mechanic to verify your choice. Otherwise, you might find many unpleasant surprises down the road.

5. Skip reading the car documents and paperwork:
Agreed, this is the most tedious part of buying a car, but diligently checking the paperwork will help you understand the whole process. You will also be aware of the perks provided by the dealer, which you can take advantage of! Also, proofreading all the documents will ensure the trust factor and the authenticity of the car and the previous owner.

6. Relying on appearance:
It is essential to understand that a car’s performance is the main factor determining its overall condition. Sure, a good-looking car will make a good impression on the people around you, but it is not hard to paint your vehicle and add a few accessories to make it look polished and new. Instead of relying on external factors and aesthetics, focus on the car’s performance to decide the value for money.

7. Not asking about the history:
Ask whether any car parts were changed, or major repair work was performed on the car. Please do not trust the dealer’s word here as they might trick you into buying a car with a bad history. It is crucial to confirm whether the vehicle was involved in an accident or holds any other concerning history.

Buying a used car means no excessive fees or tons of paperwork, plus the lower car insurance renewal. And you still get to buy a certified and thoroughly inspected vehicle. Also, along with your RC documents, ensure that the dealer transfers the insurance in your name too by checking the car insurance renewal status.

Buying pre-owned cars is not a luxury asset, instead an opportunistic investment done for fulfilling dreams. So go for the best deal for your driving experience!

Are you buying a used car? HERE is everything you need to know about 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.

Getting motor insurance regardless of the fact that whether it is new or old, is always confusing. Technical jargons, guarantee amount, clauses, picking motor insurance company, etc. are some things which everybody does not understand, and it leads them to make wrong decisions. They all look lucrative from afar, but which is the right one.

Hence, here we have compiled a list of frequently asked questions that will help you in getting the right motor insurance for you.

Question: What does a motor insurance cover?

Motor insurance covers you against any financial burden due to damage of your insured vehicle.

Question: Does the motor insurance offer different coverage types?

Yes, different types of insurance coverage types are available such as bodily liability, comprehensive, property damage liability and uninsured and underinsured and collision. You can choose the insurance coverage type as per your needs and requirements.

Question: Is buying motor insurance mandatory?

Yes, it is mandatory to buy motor insurance though the laws of carrying insurance vary from state to state. It is recommended you visit the online website of the government transportation of your state to make sure that you got the right motor insurance.

Question: Is a motor insurance expensive?

Yes, motor insurance is relatively expensive. Though you should also consider the credit report and driving the history of your vehicle while buying insurance.

Question: What happens if I forget to pay the premium fee for my insurance policy?

You will get a warning notice from the motor insurance company. But if you forget paying a premium fee over and over again, they can either issue late charges or will cancel your policy. So, it is recommended to pay your premium fee on time.

Question: Can I change the motor insurance coverage if I want to change it?

Yes, if you want to change the motor insurance coverage then you can, but you might need to pay a cancellation fee. But if you wait till the policy maturity then you can change the coverage without extra fee.

Question: How can I get a discount on motor insurance?

Discounts are quite common when it comes to motor insurance. Different motor insurance companies offer different deals and discounts on motor insurance so you can choose the right one as per your needs and requirements.

Question: Can my gender affect the amount of the premium fee?

Yes, gender affects the premium rates of motor insurance. According to the statistics, male drivers are generally involved in more accidents. Therefore, companies offer motor insurance at a higher premium fee to males as compared to females.

Question: Can I get motor insurance even if my vehicle is more than 20 years old?

It depends upon the shape and condition of the vehicle you have. If your vehicle is not in a condition to get coverage, then it is not recommended you to get higher coverage and it does not make sense to spend a higher amount onto it.

Question: What is No Claim Bonus?

It is a discount after a claim-free year or an incentive for driving safe and avoiding accidents.

Question: What are the documents that are required to be submitted for a Motor Insurance claim?

Required documents differ from company to company but some of the most important document that would be required are: Claim form, registration copy of the vehicle, an estimate of the loss, original repair invoice and payment receipt.

Buying a car is no more a family dream as people are investing in a car in their early careers. With the increase in pollution and traffic in most of the metro cities, ditching your two-wheeler for a car would seem a better idea for a comfortable ride to the office.

We get all excited while planning to buy a new car and would end up visiting various car showrooms to extract the best bid in our budget. However, when it comes to purchasing insurance for the Car, we would hardly care to see what it actually covers and prefer policies with minimum premium.

Purchasing the correct vehicle insurance is although little tricky, we present a primary point-agenda to buy the best vehicle protection with the best car insurance price in india to make your life simpler.

What should a comprehensive car insurance plan cover? 

1. Any damage to the Car due to Natural disasters: 

Since natural calamities are not in our control, anything such as earthquake, storm, cyclone, landslide, Tsunami, etc. must be covered in your plan.

2. Any damage Due to Man-Made disasters:

Any damage caused due to a terrorist attack, a riot, strike and during the transportation of your Car should also be compensated by your insurance plan.

3. Personal Accident Cover: 

It's imperative that your Car insurance also provides for you and your family in case of an unfortunate accident resulting in partial or full disability and even death. Under a comprehensive policy you 

4. Third-Party Legal Liability:

If a third party suffers any damages during the accidents or a surrounding property gets damaged, this cover protects you against the legal liability.

What is not covered under a Motor Insurance NOT cover?

• Driving the car under the influence of alcohol or drugs.
• Intentional loss and damage to the vehicle.
• If someone else is driving your car and it is damaged while being driven by that person.
• Driving without a license.
• Damage caused due to war, mutiny, invasion by the enemy, nuclear risk.
• Any mechanical or electrical breakdown of the Car due to Driver's mistake or because of the condition of the vehicle.

Always pick a top-rated agency 

If it's cheap, it's compromised, hence don't get attracted by any plan that assures a full coverage under a low premium fee. In case of an emergency, the priority is getting your claim as early as possible. Go for a reputed company in the market that provides fast claim settlements along with great customer service.

Key factors to consider before purchasing Car insurance:

• Allowance for the commute - If your Car is under repair, make sure your plan includes an allowance for the daily commute by your insurer.
• Cover for lost car keys - If you lost your car keys or someone has broken into the lock system, you will get cover for replacing the lock.
• Cover for hotel stay - Suppose your Car has become immobile after involving in an accident and you need to stay nearby while it is being repaired, your plan must bear the expenses of your stay in a hotel.
• No Claim Bonus - If you haven't filed a claim during the period of your policy, you can apply for a no-claim bonus. Also, if you make only one claim, you still get to keep your NCB.
• Repair of glass, rubber, plastic and fibre parts - If such parts of the car are damaged, you can get them repaired, and this does not affect your No Claim Bonus.
• Lost Personal Belongings and Baggage Cover - If your Car doesn't have an anti-theft device that is approved by the Automobile Research Association of India, the insurance company gives you cover for the lost personal belongings. 

Bottom line!

While you spend so much time researching the latest model, the jazziest colours, the snazziest of safety features, also choose the best car insurance policy in India that offers you higher protection against.

Thanks to higher disposal incomes and many attractive car loans available in the market, owning a car in India is no more a luxury. You spend a good amount of money to select a model, accessories, and safety measures like gear lock and central locking for your proud possession. But, have you ever given a thought about why your car requires a valid car insurance policy? As driving in India has its own perils, the Motor Act, 1988 made it mandatory for all car owners to possess a valid car insurance policy. 

The car insurance policy not only indemnifies you in the event of an accident, damage, theft, or loss affecting your car but also offers protection in case of third-party liability. Instead of treating your car insurance policy as an expense, you must consider it as a protection.

Here are some of the most noteworthy key points that will help you to understand the benefits of having car insurance.

• Monetary benefits of a comprehensive car insurance 

  One of the key benefits of a car insurance policy is the reimbursement in the form of financial benefits if the car meets with an accident or gets stolen.

• Cashless repair facility

  The benefit of cashless repair facility can be availed when an accident-related repair is completed in a network garage. Protection against losses caused due to natural calamities like earthquakes and fire.

• Protection against third-party liability and legal cases.

  A good car insurance policy provides you protection caused to a third-party, like injuries, damage to another vehicle, or death while using your vehicle.

How to select a recognized car insurance firm?

It is essential for you to know if the insurance company is registered with the Insurance Regulatory and Development Authority (IRDA). Before you plan to buy car insurance online from an insurer, validate that the company is featured in the IRDA list of authorized insurance companies.

How to check your car insurance status online?

Once you have purchased a car insurance policy, it is advisable to keep your Car Insurance details handy at all times which might be required at the time of filing an insurance claim.

If you are unsure about the status of your car insurance policy, then you can check it on the official website of the Insurance Information Bureau (IIB), which has been created by the IRDA (Insurance Regulatory and Development Authority). 

When you are performing the car insurance policy status, check on the IIB website, you must take care of the following points:

• In case the car insurance policy has been issued recently, the details will not be available online.
• While entering the car number, do not use spaces or any special characters.
• Please note that data is available only for those policies, which have been issued after March 2010.
• This option can be utilized for a maximum of 3 times by using your mobile number or email id. 

With the car insurance status checks been made simple, it is easier for you to keep track of your car insurance policy. Make sure that you renew your car insurance policy before the expiry date of the present policy to enjoy continued protection against damages. 

These essential Car Insurance tips will help you file a claim with your insurer and get it approved without any hassles. You can also buy or renew your Car Insurance online instantly as per your preference.

Having a car insured takes many brainstorming sessions in which you have to consider several factors. The premiums paid towards a car insurance policy can be a wrecking ball to your hard-earned money. The requirement for purchasing a suitable policy is something that can't be overlooked. An ideal approach to manage this undesirable circumstance is to know about significant components that influence the vehicle insurance premium. The adequate knowledge of these determinants will enable you to have decent policy terms from the best car insurance company in india with the same advantages and deductibles. Here are some of the factors that directly affect the premium rates,

• Type of Car – Undoubtedly, the subject of your insurance that is your car determines your premium rates and is one of the significant factors considered under the premium bar as some of the vehicles are either stolen; lack specific safety measures or incur more repair costs.
• Driving Habits of the Driver – If you have a record of bad driving, accidents or too many traffic fines under your belt then the insurance companies may refuse to give insurance or charge the high cost of the policy as they strictly adjudge that another accident is prone to happen soon. However, if you make sincere efforts to drive safely, your record may lose value over time, and your insurance premiums can be more manageable for you.
• Demographic Factors – Things like your age, profession, geographical location have quite a weight on your insurance premium allocation. For instance, if you live in densely populated regions, then you are more prone to collisions, thefts or injuries hence higher the premium. Whereas, if you live nearly in a hamlet, then your premium may descend accordingly. Similarly, take age or gender; for example, if you are young and reckless, you may have to shell higher premium amounts. In some cases, women tend to pay lesser premium than man. No reason, just giving an edge to gender parity and all.
• Customized Car Insurance Policy- Another primary reason for increment and decrement of insurance premiums. A well-customized car plan that completes the necessities of your desired car may cost you high premium rates. Many insurance firms offer well-tailored policy plans that would prove beneficial to the insured on a personal basis.
• Car coverage and choice of deductibles - Insurance premiums may vary depending upon the type of coverage the insured chooses for their car. Types of coverage depend upon the state of the car; they could be collision, liability, comprehensive, personal injury protection coverage, etc. A deductible is an amount you pay before your policy period to pay for an uncovered loss, setting high deductibles indicates less money to pay in policy.

In the end, one must ensure that paying for car insurance is an essential part of owning a car. Hence, try to come with a pivotal decision that would lower your premium at any cost.

Health problems can occur suddenly and without preamble, and it can often mess up your financial planning with unexpected expenses. It has made health insurance important for every family to help decrease any unplanned financial burden. Though most of the companies provide their employees with health insurance coverage, it is not sufficient and can also exclude many ailments. Emergencies do not see our feasibility; hence, a reckless attitude towards health could put you in financial risk. Also, if we are paying for a thing, we tend to be very careful about the benefits we would be receiving.

However, it is not just about taking a health insurance plan; instead, it is about choosing the right health plan for your family to get the maximum benefits at the time of emergency. It is essential that you understand various factors that will help you choose the right health insurance policy .  Here are a few essential things you should know while deciding to buy a health insurance plan.

What kind of health plan suits you?

Health insurance plans can be indemnity plans and defined benefit plans. The defined benefit plan pays a lump sum amount for treatment without going into the detailed breakup of hospital expenses. On the other hand, an indemnity plan reimburses the hospital expenses. It is recommended that your health insurance portfolio should have indemnity plans and additional critical illness plans which are defined benefit plans. 

Which indemnity cover suits you: Individual health insurance or family floater?

If you want extensive coverage, individual health insurance is the option. In this type, you will buy separate plans for each member of the family, and premium for each policy will be based on the age, and respective sum assured. However, if you are a family person, it is recommended that you buy a family floater (FF) plan to cover your whole family. Then you will not need to buy separate policies for each family member. The premium for family floater plans is also less than individual plans, and there is a higher sum assured. The most important factor is that anyone can use the amount for medical treatment. Also, it is possible to cover parents if they are senior citizens with a slightly higher premium.

Other important considerations while choosing health insurance for your family:

• Select the sum insured based on your age and marital status, because the risk is less when you are younger, and it climbs as you grow older.
• Select a plan that has a minimum waiting period for pre-existing health conditions.
• Select a plan that allows you to renew at 75 or 80 years of age.
• Consider the range of hospitals that the insurer is affiliated with.
• Compare premiums and plans from more than one insurer and remember to read the customer reviews.
• Read between the lines to understand the exclusions.

Insurance does not guarantee good health, but it will help you in taking care of your loved ones the best way possible during health emergencies. 

As the world revolutionises and turns towards more eco-friendly options, the emergence of Electric Vehicles, or EVs, has also come to the limelight. They are not only cost-effective but a good eco-friendly riding option. They help in the reduction of harmful gases in the atmosphere. It keeps the balance of the environment intact. This, in turn, helps maintain the balance of global warming. The Indian Government has also prioritised shifting all vehicles plying on Indian roads to electric vehicles or EVs by 2030.

To make this possible, a lot of steps have been taken. The government wants to make EVs affordable, usable, and accessible to all. Are long charging hours stopping you from buying an EV? Batteries make up 40-50% of the cost of every EV right now. Additionally, battery charging can also take long hours. Hence, battery swapping was established as a plausible solution.

The battery-swapping policy was introduced in the 2022-23 budget. Let's find out more about it.

What is the new policy of the Indian Government?
The Indian Government has released a new policy focusing on two and three wheeler vehicles with electric-powered engines. The main purpose behind the policy introduced by NITI Ayog focuses on swapping the batteries instead of charging them. It is not only cost-effective but also ensures good time management.

How is swapping batteries better than charging?
There are a variety of merits that you can derive by swapping the batteries instead of charging them. These are

● Time management:
It is a known fact that charging batteries can be an extremely tedious process. It takes approximately an hour or more to charge a battery completely, which can be a waste of time if you are in a hurry. Instead, if you swap the battery, it will only take you a few minutes. It is because the batteries will already be charged.

● Space management:
The chargers that are present at the charging stations are furiously slow. Moreover, they can only charge one vehicle at a time. Instead, if you swap the batteries with a pre-charged one, you need not wait for your turn to charge. All the discharged batteries can also be charged once and used when ready.

● Cost-effective: Batteries can be costly, which limits the consumers to buy an EV. With the swapping of batteries, the batteries will be available on a subscription basis. This was done to make batteries and EVs affordable to all.

● Less anxiety:
One major issue with EVs is running out of charge before the destination. If the battery swapping stations are set up successfully, this will not be an issue anymore. You can easily swap the batteries in minutes and go to your destination without hassles.

These are some clear pointers on why battery swapping is a game-changer for EVs. The Government is trying its best to establish EVs as the future of India. We should also do our share in making the world free from pollution and carbon emissions. With methods like battery swapping, EVs can be more accessible and affordable. Make sure to buy car insurance policy online to keep your EV safe and sound. Contact your insurance provider to understand the terms and conditions better while covering an EV.

Click HERE to buy car insurance policy online for your EV.

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 purchasing insurance, people check the plan's conditions, coverage, and exclusions. A good insurance agency offers the best plans and benefits to its customers. But do you know how to identify an excellent general insurance company? If you want insurance for your home, business, or automobile, you must determine the best insurance agency for your requirements.

Here are some clear signs that help you choose a good insurance company.

1. Problem-solving:
A good insurance company can come up with creative solutions to your problems. You should ensure that the agency helps its clients with the right insurance plan according to their needs. If you get the right solutions, the insurance company is rated outstanding.

2. Genuine:
You should know that unethical insurance agents only stay in business for a short time. You can check the experience and reviews of old customers of an insurance company to determine whether they are transparent & genuine.

3. Ease of doing business:
If you can easily access an insurance company's product, you can put them in the category of a good insurance company. Some other factors that make the interaction between clients and insurance agents more seamless include online claim reporting, online bill pay, billing questions, policy changes, 24x7 customer service, and social media platforms.

4. Vast technical knowledge:
An excellent general insurance company knows how to sell its policy and win its customers' trust. You should expect that your insurance agency can instantly answer all your insurance, law, and tax queries. They must know income tax preparation, financial planning, and some other avenues of financial service to help their clients with their financial situations.

5. Customers delight:
You will feel encouraged to buy their product when you meet an agent or a team from a good general agency. Most good insurance agents are eager and excited, which makes it interesting and easier for clients to understand the details of their products.

6. Emotional intelligence:
If your insurance agency listens and empathises with clients, they can help you clear up your financial situation when you encounter a loss due to an accident. A good insurance agent is sensitive and able to understand the needs of their clients.

7. Good customer service:
Customer service doesn't mean being available at all times, but it should also solve your problems and satisfactorily answer your questions. Check whether the customer care team timely responds to their client's inquiries via phone, chat, or video calls. You may also go through the company's online reviews to get a clearer picture of their customer service.

8. A wide array of products:
If your agency offers comprehensive products and services that meet your specific needs, you can call them a good insurance company. You should check that they offer a wide assortment of general insurance, including motor, health, home, travel, commercial, and more. You should also look for optional features in the general insurance plan and decide on its requirements to get comprehensive coverage.

9. Sense of urgency:
A good agency has robust SOPs and processes for quick insurance approval. Consider the agency's time to explain its products and services, the application process, and other factors. You should check how fast your insurance agency can provide the claim money when needed.

Look for these signs in your general insurance company and decide whether they are the best agency for you. Choose the right insurance company that offers a wide array of general insurance products. You can benefit from the insurance plan if you encounter a loss or damage to your life, vehicle, home, or business.

Click HERE to know more about the best general insurance company 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.

If you're looking for answers to some frequently asked questions about two wheeler insurance, look no further. According to the Indian Motor Vehicles Act, every two-wheeler and four-wheeler owner must have third-party coverage. As a result, you must get either standalone bike insurance or a comprehensive bike insurance plan if you wish to cover the damages your bike sustains in accidents.

Many individuals need clarification on the numerous facets of a bike insurance policy. Therefore, we are addressing many concerns about a two wheeler insurance plan in this post in the form of some frequently asked questions.

1. What paperwork is necessary to submit an insurance claim for a two-wheeler?
Depending on your coverage and the damage experienced, you may need specific papers to submit a two-wheeler insurance claim. However, the necessary documents required to submit a two-wheeler insurance claim are summarised below:

● A current insurance policy agreement

● R.C. papers

● Driving licence copy

● As reported to the local police, a First Information Report (FIR)

● Pictures that were taken at the scene of the accident

● Other supporting records, if any

2. How much is my two-wheeler worth, and how is that determined?
Insured Declared Value (IDV), to which you are referring in this sentence, is the maximum sum for which you will be compensated if your two-wheeler is stolen or lost in its entirety. The manufacturer's suggested retail price determines the IDV of two wheeler, which is then depreciation-adjusted. Similarly, the IDV for non-factory-installed items is determined separately if they need to be added to the coverage at an additional expense.

3. What steps are involved in renewing my bike insurance?
Nowadays, it's effortless to renew your bike insurance thanks to the online renewal process of two-wheeler insurance. Most insurers notify the policyholder of the policy's expiration date in advance. Therefore, to renew your bike insurance online, go to the insurance company's website and complete a few easy steps. In addition, you can renew the insurance offline by going to your insurer's office or getting in touch with customer service.

4. Which situations fall under a bike insurance policy's exclusions?
The policy wordings for bike insurance coverage include specific information about the exclusions. Before purchasing your bike insurance policy, reading and comprehending the exclusions is crucial. It is advised to get clarification if there are any questions about the exclusions in your bike insurance policy.
Here is a list of typical exclusions that can be encountered while filing a two-wheeler insurance claim:

● Getting behind the handlebar when intoxicated

● Riding a motorcycle without having insurance

● Driving without a valid licence

● Nuclear risks-related harm

● War-related damage

5. What kind of additional coverage is offered for my two-wheeler?
You must purchase comprehensive coverage that includes any injury or damage to a third party and any harm to your two-wheeler if you want to protect it adequately. Similar to the above, an add-on policy like Zero Depreciation would guarantee the total amount of your valid claim is paid without considering the depreciation factor.
Repairs and replacements of certain parts made of plastic, fibre, glass, etc., are priced on a depreciation basis under IRDA regulations.

6. Where can I find the policy number for my bike insurance?
When you purchase a two-wheeler insurance policy, you will receive policy documents having the policy number for your bike insurance. The correspondence letters, emails, etc., that your insurer sends you regularly include your bike insurance policy number as a reference.

7. Why should I purchase online two-wheeler insurance?
The advantages of purchasing insurance online include the following:

● Comparing prices and assessing coverage alternatives on a free and user-friendly platform.

● A quick and helpful customer service team can address any issues.

● Post-sale services that are prompt and trustworthy.

● Assistance with the claims and related issues as soon as possible.

These are the most commonly asked questions when purchasing bike insurance which offer you good clarity about the application process, claim settlement, premium, inclusions and exclusions, types of bike insurance, renewal details, and much more. Let's get ready to buy your bike insurance today!

Click HERE to buy bike insurance and stay stress-free.

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.

Tulsi is a popular houseplant in India and is worshipped by people as a religious practice in different parts of the country. You can find a dedicated area for the tulsi plant if you visit the traditional Indian houses. But things have changed a lot nowadays, and people have also started keeping a tulsi plant in their apartments for its many benefits.

Having a tulsi plant at home can have many benefits, including calmness and happiness to the house. According to the ancient Vastu Shastra and Ayurveda, tulsi can benefit you in the following ways:

1. Tulsi leaves have medicinal values:
According to Ayurveda, tulsi leaves contain various medicinal properties. Taking tulsi leaves with honey can heal common coughs and colds. Moreover, tulsi leaves possess various natural antioxidants that kill free radicals in the body and improve the immune system. Regular consumption of tulsi leaves can help manage stress and high blood pressure. Notably, tulsi leaves feature multiple benefits without any side effects on your body.

2. Bring happiness to marital life:
It is believed that maintaining a tulsi plant in the east or northeast corner of your home can bring positive energy. As per the Vastu, a tulsi plant eliminates stress and brings happiness to your conjugal life. Gradually, your life will become happier and more peaceful.

3. Tea with tulsi leaves:
Tulsi can make your tea more refreshing and nourishing. Restaurants usually use dried basil to prepare such tea. But you can use fresh leaves if you have a tulsi plant. Tea is a source of various antioxidants, which improve your immunity, and when you add tulsi to it, the level of such minerals and antioxidants increases. The combination of tulsi and tea creates a warm beverage with many health benefits.

4. Insect repellent:
Many homeowners find themselves subjected to frequent insect attacks, and it often becomes annoying to tackle them. People use different kinds of toxic chemicals to remove insects, though these chemicals may harm pets and children in the house. Tulsi is a natural insect repellent, and your house can stay protected from mosquitoes, flies, and many other insects if you have this plant in your balcony garden.

5. Tulsi brings prosperity:
In Hindu mythology, the Tulsi plant has been represented as the form of the goddess Lakhsmi. So, it is believed that having a tulsi plant in the east or northeast part of the home brings good luck and prosperity. Having a tulsi plant in the house can protect you from unnecessary financial expenses. Also known as the queen of herbs, the tulsi eliminates negativity and spreads positive energy to the home.

How can you have a tulsi plant in your apartment? The tulsi plant needs direct sunlight for 4-5 hours a day. You can keep it on the window sill or balcony, where it can receive a good amount of sunlight.

So, these are some benefits of having a tulsi plant at home. Overall, people believe that tulsi brings peace, happiness, wellness, and good luck to a house. Your house will become a more beautiful place to live, though you must remember to invest in the best home insurance policy in India for financial peace during unexpected circumstances.

Click HERE to buy the best home insurance policy 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.

From commuting to the office to planning a road trip with friends, having your vehicle is a worthwhile investment. However, there are certain rules and regulations you should keep in mind when driving a vehicle. A valid driving licence and insurance are essential to driving a vehicle on Indian roads, and vehicles that lack these important documents are subjected to fines and punishments.

But there are times when you can lose your motor insurance policy documents accidentally. What should be the right measure in the situation? While, your insurance company will guide you through the whole procedure, we help you here with all the basic things to keep in mind.

What are the immediate steps to take after losing your insurance papers?

If you've misplaced or lost your insurance papers, then the immediate steps to take are mentioned below:

1. File an FIR at the nearest station:
The First Information Report (FIR) is important for obtaining duplicate insurance papers. Once you have lost your insurance papers, go to the nearest police station and file an FIR. Report all the necessary details to the officer in charge. Once you've done that, get a copy of the report to keep with you.

2. Apply to the insurance company:
The next step involves the submission of the application to your insurance company. You must submit a written application with details like the policyholder's name, policy number, kind of coverage, and date of issuance, among others. You should also mention the reason for the loss of the documents. The application also requires the photocopy of the FIR to be provided with the documents.

While there are no restrictions on claim filing, it may not be a good idea to do so frequently for the reasons mentioned below:

3. Publish an advertisement:
It is also required to publish an advertisement announcing the loss of your insurance papers. It is to be done in a newspaper so that all the details can be covered for a wider reader base. The details to be included are:

● Registration number of the two-wheeler

● Insurance policy number

● Name of the insurance company

● Name of the policyholder

You will cover the cost of it all. Once the newspaper publication is done, attest a copy of the same with the other documents to the insurance company.

4. The signing of the indemnity bond:
The last step is a bit complicated. Through this, you will be asked to sign an indemnity bond. It will be done on a judicial stamp paper and requires your signature. This bond will be your official request to the insurance company for issuing the duplicate policy documents of your insurance. This bond also states that if you find the original policy documents, you will inform the insurer and return the documents. The signing should be done with the presence of two witnesses. All the necessary details should be provided as well.

After the bond is signed, the insurance company will investigate the matter and verify everything. Once everything is done, a duplicate set of insurance papers will be issued to you.

Following these steps will get you the duplicate papers of your motor insurance in case you've misplaced or lost it. Make sure to apply to your concerned motor insurance company in India to avoid further delays. Also, always be alert and keep your insurance papers safe to minimise the risks of theft or misplacing them.

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

Technology has significantly advanced in recent years, with almost all businesses, including the auto and insurance industries, adapting to technology principles to drive better results and more scalability.

While the auto industry has made great strides in autonomous driving, the insurance sector has also started to offer motor insurance plans that charge customised premiums using various telematics systems. After being extensively available in many nations worldwide, these insurance policies have recently become popular in India.

What impact does telematics have on the motor insurance sector?

Telematics, once a specialised element, is now permeating the mainstream of the car and insurance industries. A growing number of motor insurers have started to give customers the choice of usage-based insurance with telematics.

The automobile sector is experiencing an acceleration in innovation because of the surprising boost of the Internet of Things (IoT) and Artificial Intelligence (AI), which are creating new opportunities to enhance customer experiences. Telematics-powered usage-based insurance (UBI) is a key component of this push toward digitalisation.

How does it work?

GPS and other technologies are used by telematics to track user driving through a gadget put in the car or a mobile app. You might reduce your rate by driving more safely with telematics or GPS box insurance.

The telematics model initially gained popularity in the auto insurance industry because of its capacity to monitor vehicle usage using devices that can be operated using smartphones. Usage Based Insurance (UBI), a recent development among auto insurers, offers four distinct types based on driving behaviour:

● Pay As You Drive

● Pay How You Drive

● Control Your Drive

● Distance-based insurance

How is the cost of insurance determined using telematics?

Traditionally, the type of your car is one of the factors considered when determining the rate for your motor insurance policy. As a result, if two people own the same make and model of car, their insurance premiums will probably be similar. But what if one of the two drivers is a more sensible and responsible driver? Should they still be subject to the same premiums?

A usage-based or telematics-based auto insurance coverage can be useful in this situation. In a usage-based auto insurance policy, the insurance providers use various telematics tools and connect them to the vehicle's GPS. They can monitor the drivers' driving behaviour and reward them with benefits. The device tracks your car's mileage, average speed, gasoline consumption, fuel economy, and driving safety.

The gathered information is sent to your insurer over the cellular network. Your insurance premium is determined after the insurance provider analyses the data it has received. Your motor insurance premiums will be lower if you drive safely or do not use your car frequently.

Challenges:
Insurers can use telematic devices to gain information about a customer's driving habits because they capture real-time data. As telematics devices need to be added to or retrofitted into cars and data needs to be collected and kept, this raises data privacy issues. Before being subjected to extensive analysis to produce actionable insights, data is frequently shared with several parties.

Benefits of telematics insurance:
Telematics in auto insurance may significantly reduce friction throughout the insurance supply chain, particularly underwriting, customer service, and claims management. One potential result from telematics as a whole is a considerably closer bond with insurers and the consumer base that boosts customer loyalty.

How is telematics transforming the future of motor insurance?
Every business, from the car to aviation, has embraced technology to create cutting-edge products that will win over customers. Like other businesses, the insurance sector has begun integrating modern technologies into its daily operations to make it simpler for customers to access and purchase policies.

Speaking of the motor insurance industry, it has seen a significant transition recently. Technology has significantly impacted this sector, from IoT telematics-based premium computation to new insurance products. The change will be evident soon and will reap exceptional outcomes.

Click HERE to buy the best motor 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.

Maintaining your two-wheeler can sometimes be challenging. Most of us surf the internet for hours, looking for the best service center or 2 wheeler insurance online for best results and bike protection. However, even the best servicing will be wasteful if you are not giving your bike the proper care it deserves.

Today we will talk about rust, which is responsible for eating up the metal, leading to the hollowing of your vehicle's body in no time. As the chassis is affected by the hollowing of the metal, your bike can become unfit for travel and be a danger to you and others.

Let's discuss a few ways in which you can protect your bikes from premature rusting and discolouration.

1. Preventing moisture:
Moisture is metal's enemy. Moisture on the surface or in the atmosphere can lead to rusting. It is essential to keep your bike as dry as possible. In case of rain, keep the vehicle in a cool and dark place and dry out any moisture on the bike's body. You can either blow-dry or use a clean cloth to wipe away water droplets. Focus on areas that are hard to reach, especially along with the bolting points, as they are most susceptible to water locking and rusting.

2. Cover your bike:
Park your bike in a garage or sheltered area. If you can't find such a spot, invest in a good-quality motorcycle cover. Motorcycle covers can protect the vehicle from rain, frost, dew, extreme sunlight, and other harmful climatic conditions.

3. Wash and Wax:
Washing your bike ensures that you are getting rid of any chemicals or corrosive materials that might have accumulated on the surface. Use soaps specifically meant for your motorcycle to ensure that the paint is not affected.
Apply a coat of wax to the fuel tanks, fenders, and side covers. Moisture is capable of travelling down to the tiniest scratch or pore. Wax will act as a moisture repellant and prevent water from sticking to your vehicle's body.

4. Use anti-corrosion products:
Coating metal parts and other surfaces with anti-corrosion products is essential if your bike gets wet every now and then. These products can help remove rust and prevent the development of rust particles, thus saving your bike from severe corrosion.

5. Fill up the fuel tank:
Metal tanks tend to develop rust on the inside. If you don't plan on riding your motorcycle for an extended period of time, then filling the fuel tank to the maximum capacity is an excellent way to avoid rust. This acts as a barrier for the air to get into the tank and develop rust.

These are the few ways to avoid rusting of your bike. Taking proper care of your motorcycle ensures that it lasts longer and performs its best. Sometimes focusing on removing the rust from an already corroded body can lead to further deterioration.

Take your vehicle to a mechanic who can make specific changes and bring it back to its best condition. Look for 2 wheeler insurance online to financially protect your bike against these expenses. Do your research and select the policy with the best premium and maximum benefits to satisfy your requirements.

Click HERE to know more about 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.

If you own a 2-wheeler, you might know that it is compulsory to possess bike insurance. Having standard bike insurance on your side forms a layer of protection against all the unanticipated damages. But, there are still some aspects that your standard bike insurance does not cover. So, here are some add-ons you need for your bike to enjoy additional benefits.

1. Roadside assistance:
The roadside assistance cover ensures that you get technical help if your bike faces a mechanical breakdown. You can call for this service whenever and wherever you need it. This add-on insurance can be beneficial for riders who do not carry any mechanical tools or those who drive in remote areas with little to no mechanical support.
Moreover, along with this insurance, there are other benefits that you can avail too. These include facilities such as on-spot repairing, gasoline delivery, towing your bike to the nearest service garage, and even alternate travel allowances.

2. Return-to-invoice (RTI) cover:
Besides getting caught in an accident, there is also a probability of your bike being stolen. In this scenario, if you possess bike insurance and return-to-invoice insurance, you would be entitled to get an insured value of the vehicle if the police fail to find it. The cops would then issue an RTI to get the total compensation for your stolen bike.
Furthermore, if your motorcycle is involved in a crash and is destroyed over and above repair, insurance carriers will reimburse the total value shown on the vehicle's bill. Just remember that certain companies offer return-to-invoice coverage in the comprehensive package.

3. Engine and Gear cover:
This is just another hidden gem that many people tend to miss. The engine is the heart of your bike, and if anything happens to it, your bike will not even move an inch from its initial position. Unfortunately, as you might have noticed, the insurance claim does not include any damage protection against the engine and gearbox whenever you sign up for bike insurance. So to get protection for your bike's engine and gearbox, this add-on is required.

4. Consumable items cover:
The consumable items may include nuts, bolts, extensions, wires, motor oils, brakes fluids, etc. Usually, conventional insurance will never compensate for all of these bills. These things add up to your final bill making it a big one. However, you can save some extra bucks by getting the cost of a consumable add-on with your bike insurance.

All the 2-wheeler owners get conventional bike insurance and believe it will care for all the damages and protect their vehicle. But in reality, it is not the case. It would be best to get these add-ons and make your bike insurance have an actual vehicle coverage claim. Give your bike the advantage of receiving complete security, thereby adding value to its life.

Click HERE to understand more about bike insurance benefits.

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.

Food is an integral part of our culture. It indicates the preference of the local people, the staple ingredients, and the cooking style belonging to different cultures. It has also become a source of happiness for many people who are passionate about cooking and exploring various cuisines and taste palettes from around the globe.

However, unfortunately, being a foodie comes with the risk of stomach issues. The most common reasons are consuming stale food, overeating, acidity, allergies, etc. These can lead to an upset stomach, derailing your daily schedule, and cause you to rush to the doctor if it turns severe. So how can you treat an upset stomach?

This blog will discuss food items you can consume to treat an upset stomach and feel better.

1. Liquids:
One cannot stress the importance of consuming liquids, especially when facing stomach-related problems. Drinks like lemon water, buttermilk, light fruits juices, etc., can provide the required nutrients and minerals to your body without carrying out the digestive process. Liquids get digested easily and usually do not have any side effects. They will make you feel light and refreshed.

2. Bananas:
Bananas are highly recommended when suffering from an upset stomach. They nourish your body with potassium which you might lose due to diarrhoea or excessive vomiting. Bananas are bland and are easily chewable and digestible, thus improving your gut health.

3. Broths and soups:
Plain broths or soups have high salt content. Thus, the combination of liquid and salt keeps your body hydrated in case of excessive loss of water and nutrients. They are digested quickly, and there is no chance of nausea or acidic reflux.

4. Coconut water:
Coconut water is miraculous in making you feel better. It replenishes the water content in the body and refreshes you from within. It is rich in vitamin C and contains potassium (electrolytes) and natural sugar. Gastroenterologists prescribe coconut water to their patients for a healthy stomach and gut.

5. Toast:
Toast eliminates the chances of acid reflux. Its blandness makes it easy to digest and get energy. Avoid applying butter, jam, or any other spread, and eat fresh toast.

6. Rice:
Rice is known to have a soothing effect on your stomach. Apart from that, it is also easily digestible and rich in carbohydrates, which provide a lot of energy when broken down during digestion. Rice doesn’t induce or trigger acid reflux, making it easy for your gut to digest it. Eating curd rice is one of the best ways to deal with stomach pain or infection. It is easily digestible plus dials down any inflammation or burning.

Other foods to consume when dealing with an upset stomach are:

• Ginger tea

• Chamomile tea

• Bland crackers

• Applesauce

• Oats

• Squashes

• Unsweetened yoghurt

Always avoid food items that are oily, fat-rich, or contain insoluble fibres like lentils, seeds, nuts, dairy products like milk, cheese, butter, etc.

That’s a wrap on how you can treat stomach issues. Health hazards always come with a risk of severity. The consequences can sometimes get stressful and take a turn for the worse. It is wise to get insurance to protect yourself from such unforeseeable circumstances. You can explore your options and purchase online health insurance to avoid the hassle of extensive formalities.

Click HERE to know more about how you can buy online health 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

Back pain can result from various factors such as strained muscle, exhaustion, or simply because of age. While most back-related issues can be solved using medications and proper postural alignment, the age-related issues might need extra care.

Often back pain is an indicator of various ailments in the body. Keeping track of these indicators and taking immediate action before they lead to severe health conditions can save you money and time. It is advisable for adults above the age of 50 to undergo regular check-ups to eliminate the risks of underlying health conditions. Also, you must invest in a reliable health insurance policy for family to minimise the financial burden related to hospital and medical expenses.

But before that, here are a few ways you can help elderly family members reduce back pain.

1. Being physically active:
Being physically active is the first step to improving your immunity and overall strength. The more active you are, the better you feel. Walking and yoga are the best forms of physical activity for older people. Regular walking has remarkable benefits, and you will start noticing the change in barely a month.

2. Physiotherapy:
Physicians and chiropractors are professionals who know the causes of back pain. They can prescribe healthy exercises to help you attain strength and flexibility. Chiropractors can help you regain postural alignment.

3. Quit smoking:
If you are somebody who smokes, you are more likely to undergo severe degenerative spine problems. Nicotine can weaken your spine and take away vital nutrients from your disc. A healthy spine keeps you flexible and prevents the muscles from getting stiff.

4. Apply heat:
Heat can be applied using various methods such as heat pads, warm baths, or lying under a heat lamp. This helps relax your back muscles and stimulates blood flow. However, excessive heat can cause burns and lead to other problems. After the heat treatment, stretch your muscles to avoid heat spasms.

5. Rest:
Sometimes exerting your body can be the leading cause of back pains. If you are used to lifting heavy things at home or office, you should consider reducing the load or taking some help. Gentle stretching can also help you with relieving the pain.

6. Take note of supplements:
Although the best way to get your nutrients and minerals is from food sources, it is advisable to consult your doctor and check for deficiencies. Calcium, vitamin D, magnesium are a few common deficiencies. If you have one, the doctor will prescribe supplements to combat the lack of vitamins. Hence getting timely medication is an excellent way to ensure better health.

7. Medicated creams:
Creams and ointments can be a quick solution for extreme pain. Ingredients such as menthol camphor cool or numb the area and provide temporary relief.

8. Maintain a healthy weight:
Extra body weight has a direct effect on your spine and knees. Weight loss reduces the amount of mechanical force that the spine experiences. Your doctor can help you chart out the perfect diet that suits your body and lifestyle.

These are some ways to soothe muscles and keep you back in the best shape. However, it is best to visit your doctor if the pain persists. Sometimes surgeries are the only option to combat severe back pain. Invest in a health insurance policy for your family to ensure the best services without worrying about the cost incurred.

Click HERE to know more about the best health insurance policy for family.

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.