GENERAL INSURANCE BLOG

Hatchbacks are small cars with a hatch-type opening at the rear end that we can open upwards and often come along with boot space. They do not have a separate boot from the passenger cabin. They are ideal in size for manoeuvring easily in city traffic and have a seating capacity of 4-5 people.

Hatchbacks are a preferred car segment for families, especially middle-class families, because of their size, ease, and convenience, in addition to good mileage and cost efficiency.

1. Easy manoeuvrability:
Hatchbacks provide ease of manoeuvrability compared to sedans and SUVs on busy city roads. They are easy to handle, and constant braking, taking turns, moving through narrow lanes, etc., become easier for the drivers. Moreover, it is easy to park them in the ever-shrinking parking space of the big cities.
As the Sedans are longer in size, it can be a hassle to drive them on busy streets. Parking them can be even more challenging. SUVs are heavier and can be tough to manoeuvre around if you are using them for daily use amidst heavy routine traffic.

2. Foldable rear seats:
Hatchbacks come with foldable rear seats. Just open the rear hatch, fold the back seats, and you have massive storage space for your luggage and other stuff. Hence, hatchbacks can offer more boot space than even a sedan with a separate boot if there is no passenger in the back seat.

3. Better mileage:
Hatchbacks usually have lesser kerb weight than sedans and SUVs. This directly has a positive impact on the fuel efficiency of the car. Also, hatchbacks usually have smaller engines than cars of other segments.
Hence, they provide better mileage than others and save a lot of money over a long period. SUVs usually have big engines and can be fuel guzzlers. Sedans can also have poor mileage due to their size and engine capacity.

4. Cost-effective:
Hatchbacks cost much less than SUVs and sedans. As these cars cater to the budget-conscious category, their spare parts are also reasonably priced. Hence, hatchbacks are easier to buy as well as maintain. Their running costs are much lesser than cars of other segments. They turn out to be cost-effective and pocket-friendly.
Sedans come with long, elegant, and stylish exteriors making them more expensive. SUVs, including compact-size ones, are heavier than hatchbacks and come equipped with bigger engines, making them more expensive than hatchbacks. The spare parts of sedans and SUVs are also costlier than hatchbacks. Their running costs, maintenance, and service charges are also higher.

5. Sporty:
Hatchbacks are usually sportier and more fun to drive than sedans and SUVs, especially in city traffic conditions. They come in various colours and designs and are considered practical alternatives to sports cars for everyday driving.

Hatchbacks are a preferred car segment for small families. Modern-day families also avoid buying long-sized sedans as the three-box design is of little use to them in their daily lives.

You may buy a car from any of the segments- a hatchback, a sedan, or an SUV, but you will have to go for motor insurance compulsorily in India. Driving without valid motor insurance can attract hefty fines and cancellation of your driving licence. Also, the motor insurance India policy protects you from any financial burden in case your car meets with an accident and needs repairs. The insurance company will foot the bills for you and bring your car back in shape. Hence, go for a good motor insurance India policy and stay secure.

Click HERE to buy a motor insurance India of your choice.

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.

Due to the extreme population density, everything in the country is crammed up and congested, which also applies to the roads. Driving on city roads or highways is complex and challenging. If you're learning to ride a two-wheeler, this article might be helpful for you.

In India, road accidents are frequently encountered. Every minute, a road accident occurs in some part of the city, which puts everyone at risk. The density of people per square foot of the road is way more than it is supposed to be. So much so that it exceeds the safety limits.

If you own a two-wheeler, the roads can leave you vulnerable and scared. You should keep many things in mind when driving through congested roads, and your safety comes at the top. You should also have a valid insurance policy to safeguard you and your two-wheeler. Research the best two wheeler insurance rate in India and purchase the policy that suits your needs and is within your budget.

Let us thoroughly look at the tips to keep you safe while driving across congested roads.

1. Do not lose focus:
Focus is extremely important while riding a vehicle. Avoid all distractions that can cause you harm while riding. Phone calls, music, or small talk with your fellow passenger can be distracting. It can lead to road accidents in a blink of an eye. Hence, it is best to avoid them all.

2. Keep an eye on the road:
Whenever you drive, you should keep an attentive and careful eye on the road, people, and other vehicles. Most people are not cautious while crossing the road, especially in market areas or other congested roads. This puts the responsibility on you to be extra alert. Look out for any pedestrians on the road when you ride your vehicle.

3. Do not over speed:
Over-speeding is one of the leading causes of road accidents and fatalities in India. Fast driving on a congested road can lead to disasters. It is advised to slow down as and when necessary. It is best not to put too much pressure on the accelerator as congested roads have comparatively lesser space to occupy vehicles and allow them to commute swiftly. Plus, the risk of colliding with pedestrians or street vendors is always high.

4. Plan your trip well:
You must have a clear idea of the route you're going to take. It is wise to sort out your route on maps before you begin your journey. You don't have to waste time and effort sorting a route in between your ride. Preferably avoid taking congested roads even though they might show the shortest route.

5. Maintain a safe distance:
You should maintain a distance from the other vehicles. Do not drive too close to other vehicles. The same is advised for people on the road as well. Maintain a safe distance from all to avoid accidents. Also, look out for the speed breakers and potholes carefully.

6. Follow traffic rules:
It is mandatory to follow all the traffic rules whenever you're on the road. Violating traffic rules can land you into several troubles, from penalties to even imprisonment. It is best to wear a helmet and carry all required documents during your ride.

These tips can help you make your way through congested city roads. If you are a new rider on the streets, you should always focus on the road and be attentive while driving. Additionally, you should also insure your vehicle with a valid insurance policy. The two wheeler insurance rate should be researched and found beforehand to help you make the best choice.

Click HERE to know the best two wheeler insurance rate to buy a comprehensive policy.

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.

India's railway network is the fourth largest in the world after the USA, Russia, and China, with over 22,593 operating trains. Train journeys are exciting and add many experiences to our lives. Have you ever wondered what happens if your luggage gets lost or stolen from your seat or the railway station itself? Are you eligible to get compensation from the Railway authorities in such cases?

The answer is "yes". Let us go through how we can get compensation for lost or stolen luggage from the railway authorities.

1. File an FIR:
The first step that you should take once you discover that your luggage is lost or stolen from a running train is to file an FIR by approaching the train conductor, attendant of the coach, TTE, or any guard or GRP escort in the train. They will provide you with an FIR form in Hindi, English, or the regional language. You will have to fill it up and give it back to them. They will register a report at the upcoming railway station.
You do not have to pay any charges for this service. Also, you don't have to break your journey by getting down at the upcoming railway station to fulfil the above formalities. However, you can take help from RPF Assistance Posts present at major railway stations. This same process is to be followed in case of loot by dacoits in moving trains.

2. Post FIR:
Once you have filed the FIR for your lost or stolen luggage, the railway authorities will try to search and locate your luggage. If they are successful in doing so, they will contact you and give it back to you. If they cannot trace it within 6 months of lodging the FIR, they will have to compensate you for your lost luggage. They will do a fair assessment of the value of your luggage and compensate you accordingly.

3. Is ticket reservation compulsory:
No, you don't need to travel only in the reserved class to claim compensation for the theft of your luggage on the train. As per the direction of the National Consumer Disputes Redressal Commission (NCDRC), Railway authorities are liable to compensate you for the theft of your luggage even in the general compartment where you do not have any reservation but hold a valid ticket.

4. Case of booked luggage:
When you book your luggage with the Railways while travelling on a train, you can declare your luggage's true value. You will have to pay a prescribed percentage charge of the value of the goods as luggage handling charges to the Railways. In such a case, you are entitled to get the full value of your luggage as compensation in case it gets lost or stolen en route.
However, suppose you did not disclose the true value of your luggage while booking it. In that case, the monetary liability of the Railways for compensation is limited to INR 100/- per kilogram of goods booked.

Travelling by train is inevitable for most of us in our regular lives. Hence, it becomes crucial for us to safeguard our luggage during train journeys. We should be clear about the compensation policy of the Railways in case of lost or stolen luggage so that we can follow it and not suffer losses in case of theft or loot of our luggage.

General insurance India is also important to cover your luggage during your travel. Remember to add travel insurance to your safety while making railway bookings. Taking this small precautionary step can keep you in a relaxed state of mind and protect you from unexpected financial losses. You can also claim for mishaps while travelling, and your insurance provider will compensate you for the damage caused.

Click HERE to buy a general insurance India policy to cover your travel 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.

India ranks among the top 10 countries with the most two-wheelers in the world. Indian roads and highways are crowded with two-wheelers of all makes and designs running in different directions. This also means that you need to take great care of the vehicle that you ride on. It should have all the proper documentation. You will be compelled to pay a fine or compensation if you lack these documents.

Your bike insurance plays a pivotal role in the safety of your two-wheeler. You must renew your insurance from time to time to be free from any future problems. The expiry can result in a significant financial loss if it is not renewed. You may also be penalised for not adhering to valid insurance.

To prevent yourself from this mishap, you should be well aware of the expiry date of your bike insurance. You now have the option to know about the expiry date of your bike insurance online. The steps are hassle-free and doable.

Let's look at the ways and means to renew bike insurance online.

1. Visit the website of your insurer:
You need to go to the insurance company's website to look at your policy's expiry date. The steps are:

● Visit the website or app of the insurance company

● Sign in to your account

● Fill in all the important information and log in

● Go to the bike policy that you've opted for

● You will get all the information, including the expiry date

2. By VAHAN website:
VAHAN is the official website of the Ministry of Road Transport & Highways, Govt. of India, which keeps the records of all the registered vehicles in India. It has all the information about the insurance policies of these vehicles. The expiry date of your insurance can be easily checked on this website. The steps to follow are:

● Go to the VAHAN website

● On the designated field, enter the registration details of your bike

● Click on the button marked Proceed

● Go to the Services menu

● From the list of options, click on Additional Services

● When the new page is shown, enter all the details asked for

● Enter your registration number, chassis, engine number, and verification code

● Go to Verify Details

● An OTP will be sent to your registered number for verification

● Upon giving the information, you will see all the details, including the expiry date of your insurance

3. By Email:
Your insurer sends all the essential information, including policy documents, to your registered email ID. If you want to look at the bike insurance expiry date, you can simply search for it in your email inbox. Make sure it is the same email you used to register for the bike insurance.

4. Through RTO’s website:
For a country like India, RTO has all the given information as a record for all your needs. This also means that it has a track record of the expiry date of your bike insurance. You simply have to log in to the official RTO website and look at the process. Follow the steps to access all the information related to your bike. It also includes the expiry date of your policy.

5. State transport department website:
Most Indian states have introduced the new feature of checking your bike details online. The transport department of these websites has all the information you will need for your insurance policy. Go to the official website and enter the details to access the information you're looking for. You will have details of the expiry date as well.

These are some of the most effective ways to check the expiry date of your bike insurance. You should always renew bike insurance online to protect it against any accidents. Failing to renew your policy in time can make it null and void, and you won't be able to enjoy the benefits anymore. Damages incurred during this phase will not be covered by your policy, putting financial pressure on you.

Click HERE to renew bike insurance online.

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

There is no denying that health is one’s greatest asset. While health insurance policy renewal and purchasing a new policy can protect yourself from health contingencies, you can do plenty to maintain your overall health. Well-being professionals have come up with the key trends impacting how we live, heal, and flourish in 2023, such as the rising significance of rest or treatment to treat migraines and mood disorders.

1. Greater emphasis on purposeful actions and well-being:
Prioritising your overall well-being, which includes your physical, mental, social, and the well-being of the community and the planet has recently been recognised as a global trend. Research indicates that people will sensibly spend more time and money on how their actions affect their surroundings and the earth.

2. Teenagers and 20-somethings to appreciate immersive and healing sounds:
In 2023, it's anticipated that sound therapy will become more popular. Binaural beats, 3-D spatial audio, and isochronic tones are types of soundscapes that can stimulate and entrain the brain to reduce anxiety, induce relaxation and concentration, and speed up the healing process.
Therapeutic playlists are being created for use in clinical and hospitality contexts. ASMR is a spontaneous physical-emotional experience that causes a strangely pleasant feeling of relaxation and a tingling sensation at the back of the scalp and from there it moves down to the body. It has taken the world by storm and is continuously evolving.

3. Mind-body therapies for mid-20s to 40s:
Some ways to calm the body and mind are focusing on something, controlling your breathing, and moving around. Athletes have long utilised ice baths to treat muscle pain and inflammation. These treatments are known as cryotherapy and cold-immersion therapy.
Recent research has shown that they can also help lower blood pressure, regulate blood flow, and the rate at which tissues break down food. Migraines, mental problems, dementia reduction, and immune system stimulation are all treated by cold immersion therapy.

4. Taking ample rest is a priority for those in their 50s:
The theme of 2023 will be pausing and slowing down. People will favour restorative yoga and calming sound baths over HIIT (high-intensity interval training) sessions and the hustle culture. Additionally, sleep is being increasingly emphasised as the best form of self-care.
If technology has stolen your sleep, sleep technology will help you get eight hours of undisturbed sleep with its aids and devices. Choose from a wide range of applications offering sleep stories and meditations and download them to rest, reset, and revitalise.

5. Senior citizens to focus on spiritual well-being:
Spirituality is something that experts say people in their 60s and older should do for their overall health. Studies have shown that the most effective modern therapies help people build social support networks and, often, a spiritual connection to something bigger than themselves.
This new take on the idea of wellness is at the heart of integrative and functional medicine practices like yoga and meditation. For many people worldwide, religion and spirituality serve as both a valuable health resource and a means of community building. Current studies on meditation and well-being emphasise the importance of our spiritual welfare.

Wellness trends serve a greater purpose than just being a global movement. They can help you live better with aim and purpose. Ensure well-being your top resolution for 2023, and see how your life changes. While these trends can help improve the quality of your life, purchasing and ensuring health insurance policy renewal continues to be a non-negotiable to protect yourself from rising healthcare costs.

Click HERE to get your health insurance policy renewal before it lapses.

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.

As the Motor Vehicle Act specifies, every bike owner must acquire a third-party insurance policy. You may compare bike insurance online and choose the policy that offers the most value for your money while providing superior coverage. You can compare different plans with a hassle-free process.

Why is bike insurance comparison important?

Given the variety of bike insurance options available in the market, it is advised that you compare these options online before selecting the best policy for your motorcycle. Online comparison of plans across numerous categories is simple as more information is readily available. These comparisons assist you in choosing the bike insurance that offers you the most benefits at the lowest premium.

The best two wheeler insurance is a comprehensive 2 wheeler insurance plan because it covers both own damage and the legally required third-party bike insurance. Additionally, you can purchase any necessary add-on coverage to broaden the scope of your standard policy.

Here are the key elements you need to consider while evaluating various bike insurance options online.

1. Best coverage:
You may go through several bike insurance plans when comparing two-wheeler insurance online. The coverage may vary slightly depending on the insurance provider. You can pick the best protection that will work out well for you.
You should be aware that manually comparing bike insurance policies will take time. The best way is to research online and digitally compare different policies and their coverage before making the final decision.

2. Most suitable policy:
It's best to assess your needs before comparing bike insurance online. Because you will be clear on your plan's benefits, the purchasing process becomes faster. It enables you to choose the insurance policy that best fits your needs.
A comprehensive bike insurance plan is recommended for those who expect to ride their bike for a long time as it provides coverage for "own damage," and the third-party bike insurance. Your insurance provider will cover the cost of restoring the bike in the event of any damage.

This kind of insurance also provides a broad range of coverage, including protection against accidents, theft, fire, natural disasters, man-made disasters, third-party liabilities, and personal accident insurance for the bike's rider.

3. Customer support service:
Always keep customer service quality in mind when picking a bike insurance provider because it guarantees the prompt resolution of your complaints. Checking the insurer's social media pages for consumer comments, reviews, and ratings is a good place to start.
It is crucial to purchase the best coverage from a reputable insurer and the finest policy possible. Look for special services that an insurer provides, such as prompt repairs, easy pickups, helpful customer service, etc.

4. Network of service centres:
The availability of network garages is crucial for hassle-free bike repairs. You must consider the number of network garages listed under specific insurance if you want a cashless claim settlement for your bike.
Finding a nearby cashless garage during a road incident would be easier if your insurer has a nationwide network. Therefore, pick insurance with an extensive network of garages so you can benefit from quick, stress-free repair services and efficient claim processing wherever.

Don't forget to check out the chosen insurer's social media pages, brochures, and website. You will gain insight into the company's reputation. Check features like a quick, paperless, and efficient purchase & claim settlement process before concluding the deal. If you intend to purchase bike insurance online, you must abide by the aforementioned requirements to find an affordable and appropriate policy that meets your needs.

Click HERE to buy the best bike insurance for your motorcycle.

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.

Financial products and services are constantly evolving and adapting to changing market conditions and customer needs. The insurance industry is no outlier with the ultimate goal of increasing insurance penetration. It undergoes massive changes each year to use potential opportunities within the scope of the law to increase customer satisfaction and insurance awareness.

As we move into 2023, general insurance companies in India expect significant changes that will redefine the perception of insurance. While some align with predicted global trends, many are likely to contribute to domestic consumer trends and legal amendments.

Here is a quick rundown of some top insurance industry trends predicted for 2023!

1. Portfolio diversification through product innovation:
Increased product development innovation is expected globally to address the unique needs and risks of emerging technologies such as electric vehicles, smart cities, and the Internet of Things. Cybersecurity insurance is likely to continue as a highly demanded product. As the consumer-centric approach of the industry grows, diversification is expected to be based on evolving consumer needs.

2. Additional offerings:
Insurance companies may distribute other financial products as per the Finance Ministry's proposal. While the proposal is yet to be clarified, veterans speculate that the approved products could include allied insurance products, investment, or value-added services.
Insurance companies are set to benefit from their well-established distribution channels, adding to their revenue from a secondary source.

3. M&As:
A proposal to issue composite licences is also under discussion, opening up opportunities for general insurance companies in India to sell insurance policies, favourable mergers, acquisitions, and massive expansions in revenue and product portfolios.

4. Technology:
The use of technology, such as artificial intelligence and data analytics, will steadily increase and provide insight into customer behaviour and preferences. This offers an excellent opportunity to efficiently use human intervention and improve the efficiency and effectiveness of operations by harmoniously using digital and human efforts.

5. Digitalisation:
The pick-up of technological advancements has been slow across the global insurance industry, but this is expected to change in 2023. Insurers will invest in digital platforms and tools to provide personalised and convenient services to customers. Digital channels will likely be used for sales and service and to support underwriting and claim settlements.

6. Value-based brand building:
With the entry of new competitors amid an incoming global recession, insurance companies may have to rethink their approach to changing customer perception and stricter regulations. As consumers tightly clutch their wallets, companies will have to build greater awareness regarding their products and their significance amid uncertainties. This will build a connection based on values that their audience resonates with, including transparency.

7. New distribution channels:
With the rise of insurtech start-ups, the insurance industry is expected to see a boom of new distribution channels, such as online marketplaces, digital brokers, and comparison websites, making it easier for customers to access insurance products and compare prices.

8. Entry of new players:
The growth of the Indian insurance industry has largely been dependent on the Insurance Act of 1938 and the Insurance Regulatory and Development Authority Act of 1999.
The winter session of Parliament discussed proposed amendments, including the scrapping of the statutory requirement of INR 100 crore start-up capital for life, health and general insurance companies in India and INR 200 crore for reinsurance business. This move will likely result in new entrants in the market, increased competition, and possibly making premiums cheaper.

With increasing internet use, rural India is an untapped market that general insurance companies in India can explore through efficient digital channels that make insurance accessible.

Slated for rapid growth, the insurance industry will see several significant changes in 2023 as it adapts to new technologies and evolving customer needs. By focusing on global trends, digitalisation, and customer satisfaction, non-general and general insurance companies in India can curate a path to be at the forefront of the insurance industry's future!

Click HERE to buy a reliable insurance plan that fits your 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.

Car insurance is a shield that protects your vehicle and your finances in case of accidents or any untoward incident involving your car. You pay a fixed sum annually, known as the insurance premium, for availing of the insurance company's services. As your policy approaches its expiry date, you must renew it by paying the premium.

There may be instances when you cannot pay the due insurance premium on time. You may be busy, unavailable, or not have the funds to renew it or simply forget to renew your policy. What happens to your policy, then? Does it expire and lapse? No. You might enjoy a special privilege known as the grace period, which prevents your policy from lapsing.

Let us know more about the grace period in car insurance.

1. Duration:
An insurance company usually provides a 15-30 days grace period from the expiry of your car insurance policy. However, it may differ from one company to another as per the policy's terms and conditions.

2. Charges:
Normally you don't have to pay any extra charges even if you renew your car insurance policy during the grace period. There may be a penalty if you do not renew your policy even within the grace period and do it after it ends.

3. Accrued bonus:
No-claim bonus (NCB) is the bonus amount accrued yearly in your policy if you do not raise a claim in that year. You get a discount on the insurance premium amount at the time of renewal of the policy, depending upon the NCB accrued to date.
Does this accrued NCB expire if you do not renew your policy in time? The answer is "NO". You can enjoy the benefit of your NCB even if you renew your car insurance policy during the grace period. However, the NCB may lapse and become inactive if you fail to renew your policy even within the grace period.

4. Claim settlement:
As we have discussed above, your car insurance policy will still be valid during the grace period. What happens if your car meets with an accident or gets stolen during the grace period? Will the insurance company entertain your claim now?
The answer is "NO" again. Your claim will be rejected simply because you did not renew your car insurance in time. Hence, it is crucial that you always renew your car insurance policy before its expiry date or as soon as possible because accidents come unannounced, even during the grace period. The entire purpose of having car insurance coverage will be defeated in such a situation.

5. Legal aspect:
According to the Motor Vehicles Act, it is mandatory to have a valid and active car insurance policy in India. Your car insurance is technically invalid if your insurance policy expires and you enter the grace period. Hence, legally you will be driving without a car insurance policy. The police will have the right to fine you and issue a challan if you're being stopped.

6. Inspection:
The car insurance company may again send an agent for the inspection of your car if you renew your policy after the grace period expires. In such a case, you will have to bear the inspection charges.

An active car insurance policy is essential as it safeguards you against any mishap involving your car and third-party liabilities arising from it. So why wait for the policy to expire first to renew it?

You should always renew your policy in advance, so your protection remains intact. You can easily opt to buy car insurance policy online and also renew it online later. Buying and renewing a car insurance policy online is fast, simple, secure, and 100% reliable.

Click HERE to buy car insurance policy 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.

Millions worldwide suffer from back or neck pain occasionally or regularly. A healthy spine is as essential for our body as oxygen is for living. Poor spine health can result in strained muscles, spinal ligament injury, ruptured discs, or spinal stenosis, generally caused by age-related wear and tear.

It can cause severe pain in the back and make you unfit to do your daily activities properly. In the long run, poor spine health can make you depressed and downhearted and cause immense psychological distress.

Hence, it is vital to maintain optimum spine health. Here are a few tips for doing the same.

1. Exercise:
Proper and regular exercise is essential for optimal spine health. Create and follow a simple exercise schedule every morning or evening as time permits. The exercises should stretch and strengthen your back, hamstrings, and abdomen muscles.
Targeted exercise under proper supervision can also reduce inflammation. It will accelerate your healing process and rehabilitate your injured spine.

2. Sitting and standing posture:
It is essential to maintain the correct sitting posture for optimal spine health. Your sitting posture should support the arches of the natural curves of your spine. Failure to do so can damage your sensitive spinal nerves and cause pain. Get a proper adjustable chair at the office and home to help you maintain the correct posture.
You should take regular breaks and stand several times daily to maintain a neutral spine alignment. Keep your back straight while standing. A slumped posture can hurt your spine in the long run. Also, frequent breaks will keep your spine in motion, keeping it flexible and limber.

3. Correct sleeping posture:
It is vital to maintain correct posture while sleeping as well for optimal spine health. Ensure that you have proper lumbar support with a good mattress and supportive pillow so that your back and neck are not strained while sleeping. You should also avoid sleeping on your tummy as it can strain your spine and cause injury and pain in your back.

4. Lift heavy objects properly:
It is important to lift heavy objects with proper caution and care. When you lift a very heavy object, you put tremendous pressure on your back and spine. It may lock your spinal joints or rupture your spinal discs. You should keep your back straight, bend down on your knees and use the power of your legs and abdomen muscles to lift a heavy load. This will reduce the load on your spine.

5. Do not over-exercise:
Do not over-exercise or engage in any activity or rough sports activities that can put unwanted pressure on your spine and hurt it. Consult a doctor immediately and take expert guidance if such a situation arises.

6. Yoga:
Performing yoga can be an excellent way to maintain optimal spine health. Several yoga asanas help to stretch and strengthen your back muscles, helping to keep your spine in good shape.

7. Massage and heat therapy:
Massage relieves back pain by improving blood circulation, restoring spinal motion, increasing endorphin levels, and boosting happiness. Also, massage helps to cure insomnia. You can also go for heat therapy for your back muscles. It increases blood flow and reduces muscle and joint pain around your spine.

Optimal spine health is a must for your fitness and overall well-being. If not maintained, it can lead to several back and neck-related problems resulting in difficulty while performing routine activities. Follow the above tips to maintain optimal spine health.

Other than the above tips, health insurance is a must to protect you from health hazards. It will give you comprehensive coverage and security if you require medical assistance and hospitalisation due to spine and back-related problems. Go for the best health insurance plans in India to enjoy the best medical treatment with hassle-free insurance coverage and protection.

Click HERE to invest in the best health insurance plans 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.

Besides its legal obligations, bike insurance can help you avoid paying heavy amounts for any damage, theft, or mishaps. But if you buy two wheeler insurance online, you must look for the various coverages the insurance policy provides. What if your two-wheeler catches fire because of an accident or other disaster? Will your insurance policy cover it?

Fire can cause minor issues, such as wire or seat damage, or even the total loss of your vehicle. Repairing significant damages or even a total loss may cost you a fortune, as you have to pay a considerable amount for repair or replacement. Thus, it would help if you had a bike insurance policy that offered you financial assistance for the damages caused by the fire. This quick guide will help you know whether your bike insurance policy covers fire damage.

Which two wheeler insurance covers fire damage?
There are three main types of bike insurance, but coverage of damages depends on the type of policy you pick. However, here is a list of bike insurance policies and the range of coverage that each policy provides.

Comprehensive bike insurance:
Comprehensive bike insurance is one of the most popular types of insurance due to its wide range of coverage, and it covers both own damage and third-party damages. Besides covering fire damage, this two wheeler insurance policy covers the following damages:

● Third-party injury

● Vehicle theft

● Accidental damages

● Third-party property damage

● Death of the third party

● Natural calamities damages

● Artificial calamities damages

Standalone bike insurance:
A standalone own-damage bike insurance policy only covers the damage to your bike. Here is the list of coverage this policy allows:

● Damage caused due to fire

● Bike theft

● Natural calamities

● Accidental damages

● Artificial calamities

Third-party bike insurance:
Third-party bike insurance offers coverage for the injury or damage of a third-party vehicle. However, this insurance does not cover the damages to your bike, including fire damage. But, having this policy is mandatory by law:

● Third-party injury

● Third-party property damage

● Death of the third party

Inclusions and exclusion of fire damage in two-wheeler insurance:
When you buy two wheeler insurance online, you must know the terms & conditions and the coverage for fire damage. Here is the list of inclusions and exclusions for fire damage.

Inclusions:

● Accidental house fire

● Natural calamities

● Riots

● Motor accident

● Vandalism

Exclusions:

● Fire damage due to mechanical or electrical defect

● Damage due to the addition of extra accessories

● Damage due to deliberate acts or own negligence

● Fire damage caused outside the specific geographical area

How to claim for two-wheeler fire damage?
If your vehicle is damaged due to fire and you have your bike insurance policy which covers fire damage. Then you must follow the below process to claim for such damages:

● Contact your insurance provider and inform them about the damage and its cause within 48 hours

● Collect various evidence, such as taking videos or pictures of the incident or the damaged parts of your two-wheeler due to the fire

● Visit your nearest police station and file an FIR

● Submit multiple documents such as address proof, identity proof, etc.

● Then the insurance provider will send a surveyor for an inspection of your case

● In case of minor repair or replacement, the insurer will offer you compensation

● In case of a total loss, the insurer will give you the amount as per the policy's terms

Documents required:

● Driving licence

● Identity proof

● FIR copy

● Registration certificate for bike

● Report of the fire brigade

Various reasons can cause fire damage, and it can be pretty disturbing for you to pay for the repairs or replacement of the damaged parts. Thus, it would be best if you had bike insurance covering the fire damage and providing you with the financial assistance you need during an emergency. It is best to buy two wheeler insurance online, browse through multiple options and research the one that offers comprehensive coverage, including fire damage. This way, you can efficiently ensure the longevity of your two-wheeler and stay financially sound.

Click HERE to buy two 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.

For many years, owning a car has been looked at as a show of wealth. But in recent years, a vehicle has become more of a need than a luxury or leisure. Yet purchasing a four-wheeler is still recognised as one of life's significant achievements and investments.

As an impact of the pandemic, people are more likely to travel by car than public transport. Whilst the value of owning a vehicle has grown over time, ensuring its security and safety is essential. Therefore, do not overlook your car's insurance and get car insurance renewal on time.

What is comprehensive car insurance?
As the name suggests, comprehensive car insurance is broad insurance coverage that provides security against various concerns. Comprehensive car insurance is so far the most commonly adopted kind of automobile insurance since it covers both parties in the event of an accident. It protects you in a crisis, accident, robbery, fire, or explosion, among many other situations. Including extras or add-ons to comprehensive insurance, such as depreciation cover, emergency assistance, engine protection, and so on, makes it a more customisable and desired kind of auto insurance coverage.

What is third-party car insurance?
The Motor Vehicles Act of 1988 states that third-party car insurance is the most basic and necessary insurance to possess and is required for all car owners. Third-party insurance, as a contrast to comprehensive insurance, provides limited coverage. It protects you against losses made by your vehicle to a third party. The damages done to a third party's car, property, or the individual themselves will be covered under this policy. This sort of motor insurance covers any third-party damages, injuries, or losses caused by the policyholder's misconduct.

When to switch from third-party car insurance to comprehensive car insurance?
Following are a few reasons to switch to comprehensive insurance from third-party insurance:

1. Covers your losses:
With the exception of basic third-party car insurance, comprehensive car insurance covers your vehicle for losses caused by a range of factors.

2. Customisable add-ons:
One of the chief factors for switching to comprehensive car insurance is customising the coverage depending on the various add-ons offered by the insurer. Customising the plans gives the policyholder the independence to get better coverage and benefits.

3. Personal accident coverage:
In addition to injuries caused to a third party, comprehensive car insurance involves personal accident coverage for your treatment in the event of an accident. This feature is crucial for all policyholders and can be extremely helpful during unexpected situations.

Getting the proper car insurance coverage is as crucial as getting the perfect vehicle. While the law requires you to have motor insurance, do not limit yourself to the bare minimum. A comprehensive auto insurance coverage protects you against the expense of hospital and auto repair fees. It provides all-around protection, making it a must-have in your inventory.

Similarly, remember the importance of purchasing ideal car insurance and even timely car insurance renewal to avoid interruption in the benefits.

To get a car insurance renewal, 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.

Are you a long-ride motorbike enthusiast? Fun is always the best part of such experiences. But what about the rider's security? Safety gear like gloves is a matter of debate, with some viewing them as a fashion statement rather than a necessity. However, gloves can help you maintain a firmer hold on the handlebars, absorb shock better, and protect your hands in the event of a spill. Every rider should have a helmet and gloves for protection.

Investing in a good pair of biking gloves will make you look like a pro and make your rides safer and more comfortable.

The benefits of wearing your biking gloves on long rides.

Your head requires protection while biking so does the rest of your body. If you're in a collision, your legs, arms, and hands are also at risk. Investing in appropriate protective gear for these body parts is a good idea to ensure your safety on the road.

In the event of an accident, your natural reaction is to grab hold of the handlebars as tightly as possible. Most of the impact on the ground will be absorbed by your hands. If you're not using gloves or other protective gear, your hands are at risk of serious injury. To protect against harm, gloves are essential. A cushioning layer prevents damage from falling to the ground's grit, rocks, or gravel.

1. Concern for the riders' well-being:
Some gloves for bike riders feature a cutting-edge design that boosts user protection. To indicate a turn, urban bikers frequently don LED turn signal gloves. The gloves have a futuristic design and are illuminated to send a clear message at night. Most bikers agree these gloves are ideal for using hand signals while riding. Their longevity and solid build quality are additional selling points.
Comfortable gloves are great for long rides because they keep your hands warm and dry. And this is the main reason why bikers always wear gloves. It's normal to get sweaty palms after a long time spent on a bike. Because gloves can soak up moisture from your hands, they significantly improve your comfort level. A tight grip on the handlebars can cause discomfort from pressure and friction. You can reduce this if you wear gloves or other hand protection.

2. A firmer hold:
The temperature and humidity where you are biking can cause your hands to become damp and sweaty, resulting in a compromised grip. High-quality biking gloves allow air to circulate so your hands stay dry and comfortable.

3. It can reduce the impact of a fall:
If you enjoy riding over rough and rugged terrain, you should get accustomed to constant pressure. Gel pads or padding are commonly found in gloves for just this purpose. The gloves' palm padding helps absorb impact and distribute pressure more evenly, protecting your hands from injury.

4. Riding comfort:
Winter weather is a constant obstacle for bikers in northern latitudes. The cold will be especially noticeable on your hands. Good gloves help you ride comfortably to places in cold weather.

In conclusion, biking gloves are vital yet overlooked safety gear. Numerous situations call for the riders to always opt for protective gloves. The level of comfort and security it provides while you ride a bike is elevated to new heights. In addition, a bike insurance online plan protects the policyholder against losses resulting from theft, natural disasters, man-made calamities, etc., making for the perfect protection provider to accompany you on your long-distance adventures!

Click HERE to buy bike insurance online.

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

Applying for a car insurance claim may be a stressful procedure, regardless of how well you may have painted the picture for yourself. However, not all insurance companies are trying to steal your hard-earned money. You can cope with any problems with car insurance claim settlement that may arise by just being informed of the specifics involved in the procedure.

Having a car insurance claim denied is common, though. There's a good chance that someone you know has experienced it. Additionally, it frequently occurs that the policyholder cannot understand why their car insurance claim was denied, which only heightens their frustration.

However, you need to know a few things concerning the rejection of a car insurance claim.

Reasons for denial of car insurance claims:
A typical car insurance coverage will often cover loss or damage brought on by theft, accidents, or other people. However, it would be absurd to assume that your car insurance company will pay for any losses or damages that result from the normal wear and tear the car experiences over time and with use.

What should you keep in mind to avoid your claim from getting denied?

1. Give accurate documentation, even when applying online:
Refrain from giving false or inaccurate documentation for insurance purposes, even if you are applying for a claim online. If you submit a claim and the insurer discovers that the supporting documents are incorrect, misleading, or even phony, your claim may be denied.

2. Read the policy document in its entirety:
Because they are more knowledgeable about the policy's terms and conditions, insurers can better find a point you ignored and use it to support their decision to deny your claim. To avoid this, policyholders are encouraged to carefully read their policy contracts to be informed of what will be covered and what won't. Feel free to seek assistance from someone knowledgeable in insurance jargon to clarify the policy and assist you if you are unsure of what it says.

3. Save every invoice and receipt:
It would be a good idea to have such accessories covered under an add-on cover if your car is equipped with anti-theft gadgets, an expensive radio system, or anything else that is not included in the car's standard equipment. The bills or receipts for purchasing those accessories must be presented, though, if you ever need to claim for the damage or loss of those items. The related invoices and receipts must be available. In every other case, the assertion is likely to be disproven.

4. Remain within the claim intimation time window:
Insurance companies typically stipulate that policyholders have 48 to 72 hours to notify the insurer of any incident or accident after it has happened. Always do so. However, this may only sometimes result in your claim being denied.

5. If a car is stolen, file an FIR right away:
You would be quite stressed if your car got stolen. To register a claim, particularly in the event of a theft, you must first file an FIR at your local police station. Take notice of this step. A claim's submission or approval could be complex without an FIR.

6. For co-passenger protection, take a separate cover:
Co-passenger insurance must be purchased separately for each passenger if you want to provide coverage for them while riding in your car. If you do not have adequate coverage for your fellow passengers, the insurance company may deny your claim for their injuries in the event of an accident.

You can conveniently buy online motor insurance policy, but getting a car insurance claim granted might be challenging. Nothing in this is set in stone, and you may always contact your insurance provider to figure out how to resolve a denied claim or learn the reasons for the denial of your claim. Invite those with knowledge of insurance issues to assist you.

Click HERE to buy online motor 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.

As we get older, our body becomes subject to more wear and tear. Several adults develop comorbidities and illnesses as they hit the milestone of 50. At this stage, getting medical tests and screenings is crucial to maintaining a healthy lifestyle and habits.

While maintaining overall wellness is important at any age, adults are more prone to discovering their underlying health issues at this age. This is when it becomes imperative to get well-rounded annual health checkups to ascertain any medical worries and improve their quality of life.

Unfortunately, along with a sense of wisdom, getting older also brings a list of health complications. While investing in health insurance in India can secure your parents' medical worries, conducting annual health checkups is paramount.

Benefits of annual health checkups for adults above 50.

1. Discover health issues early on:
Getting health checkups involves various scans and blood tests. There are several things you can learn from these tests. When shown to your physician, they can point out any deficiencies and more extensive problems that your tests may reflect. Knowing about these health problems as soon as possible is key to controlling and managing them effectively. You may not be suffering from any symptoms early on. However, it's better to learn about these issues by running tests before matters get out of hand.

2. Know about a disease you're at risk for:
Your tests can also help your doctors find any problems leading to more severe diseases or illnesses in the future. Knowing your family's health history and comparing it with your own can help draw parallels and understand what condition to prepare for.

3. Manage chronic diseases effectively:
With every annual checkup, you can learn how many changes your body goes through. You can also know when you may develop long-term comorbidities like diabetes, hypertension, thyroid, asthma, arthritis, etc., that need hands-on treatment.

4. Save time, effort, and money:
Precaution is always better than cure. Regular checkups can help you prevent illnesses and save you from dealing with severe symptoms later on. Even though you may have secured the retirement life of your parents by investing in health insurance in India for parents, it is always better to know about the upcoming challenges you need to cope with. This saves the amount of time, effort, and money that needs to be spent controlling the health complications that get worse with time.

5. Make better lifestyle choices:
Health issues do not arise simply due to hereditary or genetic makeup. They can also occur due to unhealthy and toxic lifestyle choices. A regular habit of indulging in unhealthy food, liquor, and other narcotics can adversely affect your health.

Unhealthy habits like smoking can cause respiratory and blood toxicity. Getting annual health checkups can help you understand what physical issues these unhealthy habits are causing and how to fix them.

To sum it up, adults need to understand the importance of getting annual health checkups once they turn 50. Ignoring your health will only lead to more problems in the future. Encourage the elders in the family to get yearly checkups on time to avoid undue stress and health concerns. Remember to consider health insurance in India for parents to cover the medical needs of your parents and loved ones.

Click HERE to buy the best health insurance in India for parents.

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.

Running a business is seen as a highly lucrative earning opportunity. However, the efforts, resources, and time required to envision, set up, and grow a business are not discussed enough. While the process is challenging, the true extent of an entrepreneur's sacrifices and the venture's uncertainties go unnoticed.

Considering the volatile settings in which a business must find foundation and prosper, insurance services are a boon that entrepreneurs must benefit from to protect their vision from risks, third-party lawsuits, and compensation claims. One such perk is commercial general liability insurance that provides an enterprise of any size belonging to any industry with the combined benefits of a product and public liability insurance policy.

If you own a business or plan to run one in the future, here's all you should know about commercial general liability insurance.

Defining commercial general liability insurance.

An insurance offering for companies and businesses, a commercial general liability insurance policy is a comprehensive protection from financial losses due to legal claims of bodily injury or property damage arising from business operations. Applicable for accidents caused by the non-negligence of the proprietor, it helps in risk management and ultimately protects the reputation and finances of a business in the long run.

The unique offering is an inclusive product and public liability insurance policy, making it a dual-benefit financial coverage for manufacturers of physical and intangible products and protecting them against claims that may be raised by third-party stakeholders like suppliers, customers, etc.

Coverage extent.

Often considered a comprehensive business insurance cover despite specific exclusions, commercial general liability insurance covers the following risks –

1. Third-party damages and injuries:
Any unintentional accidents that result in bodily injuries or losses for third parties while on business premises are covered under the policy. Therefore, the business can raise a claim in case of any reimbursement of medical bills of the injured or the cost of replacing or repairing any damaged property of third parties. It also includes accidents that cannot be traced back as wilful mischiefs, like accidental fires.

2. Advertising lawsuits:
Amid the highly-competitive environment with unclear and relatively lax laws relating to advertising protocol, it is common for businesses to battle in court over intangible assets like ideas, campaigns, strategies, and patented copyrights or trademarks.
While such issues may arise without ill intent and a genuine lack of awareness, a lawsuit may result in slander, public discontent, or even loss of business due to a change in public sentiments. While the issue and compensation for the party at fault is a judicial matter, the legal expenses borne by the business owner can be reclaimed, as legal and settlement costs are covered under the policy.

3. Product quality discrepancies:
The effective use of a product is highly dependent on its quality, which makes it a significant factor to maintain on the manufacturer's checklist. In case of any issues with the final quality of the product marketed, the consumer is entitled to sue the business for the product quality issues, which may result in end-user harm. This is a serious allegation that can jeopardise the future earning capacity and perpetual continuity of the firm.
While manufacturers must ensure that such serious issues do not surface, commercial general liability insurance protects the business from lawsuits and reimbursement costs.

4. Privacy invasion:
To set your product apart, endorsements may do wonders for increasing its reach and enticing consumers to purchase. But you must always have the legal provisions to use such material directly. Without such an express agreement, the commercial general liability policy can help settle with the aggrieved party outside the court and reimburse you for the compensation.

The above extent of coverage offers a general guideline of the inclusions of the two-in-one product and public liability insurance policy. We encourage business owners to do due diligence before purchasing business insurance to ensure their organisation enjoys comprehensive protection!

Click HERE to buy the best public liability insurance policy.

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.

Many people are passionate about cars and love to add them to their collections with multiple vehicles of different classes and brands. Are you someone who owns multiple cars? If yes, your primary concern would be maintaining the insurance documentation of individual vehicles

What's the solution? If you own more than one car, you can have a single insurance policy covering all your vehicles. Yes, you read it right. The IRDAI offers a provision of paying a single premium for your multiple cars under a multi-vehicle policy or motor floater policy.

Let's understand in depth about this motor floater policy.

Merits of a multi-vehicle policy:

● It can cover up to 05 personal cars registered under a single owner.

● Helps in reducing the hassle of paying and managing multiple premiums and remembering the renewal dates of different policies for different cars.

● Customisation flexibility is offered to the insured to add or remove the cars covered in the policy.

● When you insure more than one car with the same insurance policy, you can be sure that you will save money and get better deals. The likelihood of long-term benefits is assured.

● A hassle-free process will result in less paperwork, and both the insurance provider and car owners may find the process convenient. The management and renewal of the insurance will be simpler for car owners since there will eventually be a single due date for all cars.

● The premium will be calculated and charged based on the usage of the cars, which is a crucial advantage for the insured.

Limitations you must be aware of.
There are a few restrictions you should be aware of before choosing to purchase multi-car insurance.

● Policy premium burden:
With a single renewal date, payments would typically be in substantial sums. Compared to allocating funds for various programs in an equitable manner, this significant money may put a strain on your finances.

● High-risk driving:
If the owner-driver is considered under the high-risk category, the policy's total cost may go up. Thus, it is important to have disciplined driving behaviour and a good record to avoid paying hefty premiums.

● Failure to renew on time:
Failing to renew your car insurance before expiry could cause all the cars covered by the policy to expire. This will happen because there will be a single renewal date for all the cars. If you forget to renew the policy on time, all the cars could become uninsured. Furthermore, you risk losing the NCB on all the cars if you go past the 90-day grace period following the renewal date.

Even though there are a few significant restrictions, insurance companies are working on solutions that could eliminate them, such as simple payment choices and extended grace periods so that you can have best car insurance in India.

*Imp:
The multi-car or motor floater policy is in its initial stage of formulation in India. It has some clauses and is applicable for selective services. Make sure to check further details with your insurance company for a better understanding and get the best out of your car insurance plan.

Click HERE to buy the best car 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.

A personal accident policy covers the loss or damage to the policyholder due to accidents. Considering that unforeseen accidents may happen at any time, one must always be prudent and purchase the best personal accident policy in India for complete coverage. However, does purchasing multiple personal accident policies result in payouts from various insurers? Read on if you need clarification about whether you can claim insurance from multiple insurers for a single accident.

Types of personal accident policy.

An insurance company provides several personal accident plans with differing inclusions, conditions, etc. Here are some of the best plans you can consider opting for, including –

● Individual personal accident insurance plan:
This personal accident plan covers death, and short and long-term disability for individuals due to an accident.

● Group personal accident insurance plan:
This personal accident plan offers primary coverage for more than one person. Usually, employers provide this policy for their employees as an additional perk.

What does a personal accident policy cover?

Under the personal accident policy, you can get coverage for the following damage or loss, including –

● Permanent disability cover: Under this cover, the insurer will pay a pre-agreed amount to the nominee if an accident leads to permanent disability.

● Accidental death cover: In this cover, the nominee will receive the sum assured of the policy if the policyholder dies.

● Temporary total disability cover: In this cover, the policyholder will get the pre-agreed amount if the accident makes them bedridden for some time.

● Permanent partial disability cover: In this cover, the policyholder will receive 100% of the benefit of the sum assured if the accident inflicts permanent partial damage to them.

Standard exclusions from a personal accident policy.

Let’s take a look at the list of exclusions under the personal accident insurance policy:
● Pre-existing disability or injuries
● Intentional suicide attempt
● Childbirth or pregnancy
● Accidents caused due to intoxication
● Non-allopathic treatments
● Taking part in dangerous sports
● Committing a criminal act
● Suffering from a mental disorder

Can you claim from multiple personal accident policies?

It is perfectly legal to purchase and hold multiple personal accident policies. The policyholder can claim from all the individual accident policies for an accident if the damage falls under the section inclusion.

Having multiple personal accident policies is beneficial as they provide extra layers, and the family of policyholders receives more money from different insurers during an emergency. However, if you claim insurance from multiple personal accident policies in a year, the premium will be increased when you renew the policy.

How to claim personal accident insurance from multiple insurers?

Follow these steps to claim insurance from more than one personal accident policy.
● You can make cashless claims from the hospital that your insurance company is in contact with.
● You can also use reimbursement claims when not treated at in-network hospitals. In this method, you pay the hospital bill first, and the insurer reimburses you. You need a few documents to make a reimbursement claim, such as bill receipts, claim forms, discharge summaries, prescriptions, and claim settlement summaries (if you claim from multiple insurers).

While choosing a personal accident plan, check its features, benefits, inclusions, and exclusions. The best personal accident policy in India covers various damages and losses and provides additional perks. Also, when claiming for a personal accident plan, keep a copy of your documents handy for a fast claim process.

Click HERE to purchase the best personal accident 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.

Having two-wheeler insurance helps you during unprecedented financial situations such as accidents, natural disasters, theft etc. A comprehensive plan covers the damages and repairs you might require in the future for your vehicle.

Over time, with new insurers coming to market and new insurance plans taking centre stage, we find ourselves wanting to make a switch. You might be tempted to change your insurance provider or simply want an upgrade.

This article will help you better understand things you need to look out for before changing your two-wheeler insurance.

1. Sometimes, due to a lack of attentiveness from your previous insurance provider, you might want to make a switch. You can look up the renewal process of the 2 wheeler insurance online. Insurance companies provide a hassle-free renewal process.

2. Instead of switching your insurance provider, you can simply upgrade your plans. At the time of renewal, ask your insurance provider to brief you on all the best and updated insurance plans. You can also check online and find the kind of upgrades the company provides.

3. If you need to switch services during your current policy, you can conveniently do that. First, you will have to close your existing policy. Most insurers will refund you with a few deductions. The switching process is generally hassle-free. You are required to submit documents to cancel your old one once the new insurance provider has given you cover.

4. If cost is the primary reason for you to switch, you should first compare the 2 wheeler insurance available online. Sometimes an insurance company may provide you with more cover for a few extra hundred bucks. If that’s the case, you might want to stick with your existing provider.

5. Look into factors like customer service, efficiency, claim settlement ratios etc. This gives you a better understanding of the company and their market ratings. This plays a massive role in choosing the best insurance provider for you.

6. The following documents are to be kept handy in case of a change of insurance provider:

• Identity Proof

• Address Proof

• Registration certificate

• The previous insurance policy document

• Passport size photo

7. While making the switch, don’t forget to look into the add-ons that the new policy provides. Add-ons such as roadside assistance, engine cover, etc., might increase the premium of your insurance, but it also assures prompt and easy service.

This is a comprehensive list of things you should keep in mind while changing your insurance plans. Remember that the insurance providers are there to help. Asking the right questions and understanding all the services your insurance provider is willing to provide can go a long way. With easy access to technology, you can go onto the internet, analyse various options, and choose the 2 wheeler insurance online that suits you the best.

Another thing to keep in mind is that you need to make these decisions before renewing your policy. Since riding a vehicle with no insurance is a punishable offence. Hence researching beforehand should be your priority.

Click HERE to take a look at 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.

Since Covid-19 hit the world, nothing has been the same. From individuals to industries, every aspect has undergone a massive transformation—changes that are leading to a disruption beyond the bounds of the economy and the global market. We saw extreme survival, lockdowns, economies tanking, corporates trying to run businesses with work-from-home options, and much more.

During lockdowns, businesses, start-up founders, analysts, and corporate professionals across the industries began to figure out the patterns of changing consumer behaviour and the solutions to address their demands.

We, too, believe that the insurance industry is experiencing profound change. The ecosystem is evolving rapidly, and insurers can no longer lean on old standard practices. With people being worried for themselves and their loved ones, investing in insurance meant investing in a healthy life. This has responded to the change in the insurance sector and marked the start of a revolution!

The following are the few emerging trends I believe will change the insurance industry landscape.

Insurance is not about products anymore.

It is almost weird to think about how the insurance sector is not "product-led" anymore. Safeguarding one's assets, health, life, homes, vehicles, and other aspects highlights the severity of having insurance. For example, you can consider health insurance a consumer product, but it is no longer about the "product" game.

The insurance sector is gaining recognition as a "service-oriented" industry. Constituting the perfect experience, right from being the potential customers' first choice to educating them about how their needs are going to be met, helping them throughout the process and beyond, addressing their grievances and providing solutions, and easing up the entire redemption process in the times of need is how you foster and strengthen your customer relationships. With so much focus on instant gratification, insurance companies need to curate an indispensable "service" – something that is hard to replace. We at Magma HDI endeavour to bring these practices into practicality.

Taking efforts to push digital transformation initiatives forward.

The Indian insurance market is encountering a massive technological shift. Digital-first business models are replacing traditional insurance practices. Gone are the days when insurance agencies relied on the older patterns of customer management, applying outdated systems and business thinking. The rise of state-of-the-art technologies has given new hope to age-old insurance practices, which we are the "modern legacy" powered by digital technologies. Digital-first insurers can offer relentless support, ensure transparency, and entrust their customers with realistic and practical solutions.

With these digital initiatives in place, the insurance sector can defy all stereotypes of being considered "conservative". This shift will push insurance companies to collaborate with different technologies developed by the IT sector and keep improving their services to ensure a seamless customer experience. Digitisation is the new cool. And the insurance sector is happily jumping on the bandwagon.

Personalisation is key.

Insurance companies need to admit that the habits and mindsets of consumers have changed with time. Personalisation is the new way of interaction that insurance companies need to adapt to volunteer the special interest of their customers. Tweaking your benefits and providing opportunities in a way that speaks "your" language, something unique to "you", is how we have been challenging the existing conventional work approach.

Data is the greatest resource in personalisation. This data includes the basic information, location, behavioural data of customers, etc. Making the right use of the collected data, the customers expect a personalised experience that can improve the relationship the company has built with them.

Delivering personalised services helps you strengthen your equations with your customers and prove that you, as an organisation, value their loyalty and contribution to the company's growth. It assures them that the company is standing strong with them. The other benefits of personalisation include an increase in sales, a boost in company’s reputation and the number of converts, customer retention, insights into consumer behaviour, and much more!

The transition of the insurance industry from traditional to digital, is making headlines and grabbing everyone's attention. The innovative-first approach and efficient technological solutions are leading the way to more promising insurance transactions and trusted customer relations. Your products might be one in a million but curating a perfect customer experience takes you to the top.

The industry is at a pivotal moment in developing forward-thinking insurance services, as the market is grappling with change at an exceptional speed. These are exciting times to take a step ahead and build deeper relationships with customers throughout the customer journey.

Being an entrepreneur brings a lot of risk to the table. Insuring your business against liabilities and risks is a wise consideration. Business insurance can help a company protect itself from unforeseen circumstances, such as natural disasters, theft, unintentional injuries, etc. It is of utmost importance for a business owner to be able to assess the risks involved with their line of work. They should consider the needs of their business so that one mishap does not wipe out their entire life's work.

Irrespective of whether you are just setting up or are an established player in your niche, specific policies like public liability insurance in India are essential to cover your business from lawsuits and compensations.

Here are some kinds of insurance that can help cushion the liabilities your business may face in uncertain conditions.

1. Property insurance policies:
For your small start-up business, you spend most of its capital on inventory. In the case of damage to the property, it is tough for businesses to replace or repair damaged property. Some companies never recover from this. So, it is paramount to insure the physical location, tools, and other industry-specific equipment against damages.
However, most property insurance policies don't protect businesses from natural disasters like cyclones and floods, so it's best to talk to your insurance company about all the policy clauses beforehand.

2. General liability insurance:
This insurance helps you bear the costs of legal fees and other liability claims arising from third-party injuries due to your product or business. The entire cost of any legal proceedings that arise from a lawsuit against the company has to be paid by the owner. Whether working in an office setting or remotely, you should be insured against this possibility as it can significantly impact your finances. Research public liability insurance in India before choosing the best policy for your needs.

3. Worker's compensation insurance:
Worker's compensation insurance is mandatory in most cases. This policy is necessary in case of employee injury, death, or illness. It also covers the legal fees if the deceased's family decides to sue the business. Slip and fall injuries may also happen within your premises, and you might have to incur considerable hits to your business by paying off medical costs.

4. Professional liability insurance:
Professional liability comes under the same realm as general liability insurance but has a different use. This insurance is solely for errors or lack of proper service and is also called errors and omissions insurance. It covers the financial repercussions of negligence on your part in rendering any services. However, this policy is usually industry-specific, so it is wise to take expert advice from your insurance company for your specific profession.

5. Business interruption insurance:
In the event of any natural disaster or other unforeseen situations like a riot or a strike in the work area, a business cannot continue uninterrupted. This results in a loss of income due to the stoppage of the ordinary course of a business. In this case, business interruption insurance comes in handy, as it compensates the company for its lack of income in the time it takes for them to get back on its feet again.

6. Commercial vehicle insurance:
Any company that uses vehicles for commercial purposes should insure their vehicles against any damage caused by unforeseen accidents, fire, or theft. This is mandatory in India, but you should research your options to get more comprehensive coverage.

Buying insurance, especially public liability insurance in India, is an essential step in any business owner's journey. Research all your options thoroughly and make an informed decision. Take account of all the risks and accordingly prepare a strategy to mitigate them without sustaining any loss. The growth and security of your business rely on your alertness and preparedness to avoid falling prey to financial loss due to unexpected mishaps.

Click HERE to know more about public liability insurance in India.

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

Natural gas is commonly used at homes for cooking and heating purposes. It is a fantastic fuel and is highly convenient for domestic purposes. However, since the gas is combustible, a leakage in large amounts can cause suffocation and death.

As natural gas is colourless and odour-free, it is always difficult to find any gas leak signs in your home. Also, remember that it might not have physical indications or smells. So, how can you identify natural gas leaks? Let's look at everything you need to know.

Detectors for Natural Gas leaks.

1. Propane & Natural Gas Detector:
The goal of these sensors is to notify about grills or stoves being switched on. Many homes use sensors to detect whether the youngsters in the family are tampering with the grill or stove. These sensors come in both connected and wireless forms. If you have a hardwired sensor, you can use a wireless transmitter to connect to it.

2. Carbon Monoxide Detector:
When these detectors sense a particular level of carbon monoxide in the air, they go off and sound an alert. It has a combination of different sensors that help it function, such as

• A biomimetic sensor changes colour as it absorbs carbon monoxide, and this colour shift activates the alert.

• The silica chip's circuitry system detects carbon monoxide, which reduces the electrical resistance and causes the alarm to sound.

• If the electrodes in a chemical solution present in the detector come into touch with carbon monoxide, they detect variations in electrical currents, triggering the alarm.

Traditional ways to detect a gas leak.

1. The smell of a rotten egg or sulfur:
Natural gas and propane have unique odours for a particular reason. Gas processing companies employ mercaptan as a safety additive because it gives the colourless and odourless gas a distinct odour. Most people associate this odour with rotting eggs or sulfur. So if you smell anything of such nature, investigate for a gas leak.

2. Dead vegetation:
Although you can't see the gas pipelines beneath the soil, a visible patch of dead vegetation can signify a leaky gas pipeline underneath.

3. Hissing sound:
You may hear a mild hissing sound coming from your gas line if there is a leak. This is a solid sign to get the line diagnosed immediately.

4. The bubble test:
Combine a teaspoon of detergent with a cup of water. Apply this solution to the area you believe is leaking and watch for bubbles to form. This signifies that gas is leaking from that location.

The possibility of a gas leak can be frightening, but understanding how to recognise danger and what precautions to take can help you relax. When it comes to gas leak detection, using the methods outlined above can assist you in determining whether your family and house are in danger.

One more step in maximising safety is to get insurance for you, the loved ones and your valuable assets. Browse through different plans of general insurance companies in India and analyse your requirements. Buy the plan that meets all your needs and safeguard your home against these risks.

Click HERE to explore insurance plans from one of the best general insurance companies 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.

Bone injuries are severe and painful. They make your life miserable, and everyday chores become a huge task. The post-fracture recovery takes a long time to heal the bone. It requires the patient to undergo complex procedures to ensure that the bone heals appropriately and that normal body functions are not obstructed. Although your body has exceptional capabilities to heal itself, you must still take extra care while doing daily tasks.

We all have fallen at least a couple of times in our lives. We bruise, get cut, bleed, sprain, pull a muscle, or break a bone. There is always a risk of a hairline fracture. You must be aware of the term and how risky it can be. If you are somebody who is a stranger to the concept of a hairline fracture, do not fret. This blog discusses what it is, the signs of hairline fractures, and tips for healing them effectively. Let’s begin!

1. What is a hairline fracture:
Hairline fractures are also known as stress fractures. These fractures occur when small cracks appear and grow on the bones of your foot, lower leg, and hands. Hairline fractures are often observed in the bodies of people with a lot of footwork, like jumping, running, hardcore workouts, and other athletic activities in their routine. Moreover, in other cases, hairline fractures result from accidents and collisions against hard surfaces, during which the bones in your body bear an impact and get fractured.

2. Causes of hairline fractures:
As discussed above, excessive and heavy footwork involves activities that put a lot of continuous strain on your foot and ankles. Bones are very rigid parts of our body and can bend only to an extent to maintain the smooth functioning of the ball and socket joints. Persistent pressure on the bones also affects their elasticity and can develop minor stress or hairline fractures.

3. People at risk:
Apart from those who play challenging and heavy-impact sports and the ones who work out a lot might be affected by these hairline fractures with no warning. Genetic and biological factors like gender can influence a high risk of hairline fractures. These fractures are usually common among females.
Physical abnormalities (arched foot, etc.) or using the wrong footwear could also put your bones under stress, even while doing menial chores. Osteoporosis, or weak bones, a history of fractures, and dietary insufficiency (lack of nutrient-rich food items that help strengthen the bones) are other factors that can cause hairline fractures.

4. Signs and tips to heal:
Shooting or sharp pain, inhibition of movement, swelling, inflammation, tenderness, and bruised patches indicate hairline fractures in your bones. You can consult a doctor and get an MRI or X-ray done to confirm their diagnosis in case you have a hairline fracture.

The first and foremost tip for healing the fracture is to rest completely and avoid doing any heavy tasks. Secondly, in the first one or two days, you need to ice the area using ice packs frequently. This will help in reducing the swelling. With the decrease in swelling and lower pain, you can slowly resume your daily routine with extreme caution. Consult a doctor who might recommend crutches, protective shoes (footwear), or a splint to help avoid putting the damaged part under stress and provide maximum support.

That’s all for the signs of hairline fractures and tips to heal them effectively. You must ensure to stay in good health as much as possible. Take the best precautions and remain vigilant. Another wise decision would be to purchase a personal accident insurance policy to avoid monetary stress during mishaps and protect yourself and your family. Explore your options and buy the best personal accident insurance policy that provides optimum protection.

Click HERE to learn more about the personal accident insurance policy.

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 recent Economic Survey for the year 2022-23 presented by the Government of India indicates a positive growth outlook for the Indian insurance sector. With the general insurance policy penetration rates at par with the global level, one may assume that all insurance policies are equally preferred in the country.

However, upon careful inspection, it is easy to realise that personal accident insurance plans do not enjoy such high penetration as popular insurance like health insurance, which is considered necessary. While many may think the formerly mentioned plan is sufficient to cover every contingency, the coverage against disabilities and personal accidents is often left out of the scope of consideration.

Defining personal accident insurance plans.

Personal accident insurance plans are a type of insurance that provides coverage in the event of an accidental injury or death. It offers financial support to help cover medical expenses, lost income, and other expenses that may arise from an unforeseen injury or death. Apart from monetary compensation, it also offers peace of mind to policyholders without worrying about the financial consequences of an unexpected accident.

The need for personal accident insurance plans with other insurance.

Buying health insurance only provides limited coverage for the illnesses and conditions included in the policy, leading many to believe it is enough to provide comprehensive protection against adverse events affecting one's well-being. However, this assumption is flawed, as can be understood from the definition above. Hospitalisation due to the policyholder's illness is a prerequisite for raising a successful claim. In case of only accidents or injuries, the policyholder is left unprotected, making purchasing personal accident insurance plans essential.

1. Coverage extent:
Health insurance only provides compensation in case of the policyholder's death or hospitalisation due to specified illnesses. It offers no specific coverage or payouts for accidental death or injury. Personal accident insurance plans supplement such cases by covering accidents caused during travel, work, commute, etc.

2. Financial compensation:
One of the benefits of personal accident insurance is that it provides financial support to help cover medical expenses and loss of productive capacity due to an accidental injury or death. This way, hospitalised policyholders who cannot return to work for a stipulated period are offered a daily cash allowance and additional benefits for their dependents, like children's education and transportation allowance.

3. A broad scope of disability coverage:
Most personal accident insurance plans offer coverage for accidental death, permanent partial or total disability, or temporary total disability. This provides incidental disability or death coverage regardless of the cause, unlike health insurance. Therefore, personal accident insurance plans offer peace of mind to policyholders about the financial consequences of an unexpected accident.

4. Flexibility of coverage:
Personal accident insurance plans are generally more affordable than other insurance types. They are also flexible, allowing policyholders to choose the ideal coverage for their needs and budget, making it accessible to a broad range of potential policy purchasers.

Standard exclusions to keep in mind.

Like every insurance product, personal accident insurance plans exclude certain factors such as natural death, high-risk work environments, childbirth or pregnancy, suicide, and self-inflicted injuries. Accidents caused while participating in extreme sports, under the influence of intoxicants, or while engaging in criminal activities are other reasons that most insurers do not provide coverage.

Despite their exclusions, personal accident insurance plans are excellent supplements to health insurance and provide relatively comprehensive protection against the financial impact of accidental injury or death. We urge you to consider purchasing personal accident insurance plans to protect against unforeseen accidents.

Click HERE to browse through different personal accident insurance plans.

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

Losing your traditional car keys is a minor concern as you can quickly get a duplicate key made by the car service centre. However, as vehicles have become more technologically sophisticated, getting new keys can be more technical and expensive than ever.

It can take several steps and leave a dent in your wallet to replace a lost or stolen key, depending on the type and model of the car you drive. Fortunately, when comparing new car insurance rates, you can purchase an add-on coverage to protect your car keys.

While the add-on cover can limit your expense, here's what you should do if you lose your car keys.

1. Verify carefully:
Before deciding, conduct a comprehensive search for the keys everywhere. Retrace your steps and cover all the spaces you may have placed your keys.

2. Inform your insurance provider:
When you lose your key, the first thing is to write to the insurance provider and tell them what happened. With a misplaced key, there is a considerable risk of vehicle theft. Additionally, they may require the submission of an FIR filed with the nearest police station.

3. Reach out to a franchised dealer:
Contacting a manufacturer's dealer for your car is recommended if you need an OEM replacement key. It frequently costs money and takes time to obtain. If your original key offered features like a hands-free boot release, you will receive a new key identical to it in addition to programming for those features.

4. Decide on your car's essential type:
If you lose the existing key and have no spare, consider switching your key type. Traditional transponder, FOB, and intelligent keys are options to choose from.

How to recover different kinds of keys.

1. Traditional key:
You must put a conventional car key into the ignition cylinder to start your vehicle mechanically. If you misplace your car keys, you can phone an auto locksmith, who can immediately make you a new key. You might need a new ignition lock cylinder and key from the dealer or another repair facility.

2. Transponder key:
These keys are more advanced and detected by the Electronic Control Unit that starts the engine. A skilled electronic locksmith can help as they have spare keys equipped with the same tuning chips as your car. But they bill you more than they would have for a regular car key.

3. Smart key:
Modern vehicles almost universally include push-button start and keyless entry. However, we advise keeping a spare in your glove compartment for emergencies. If you lose your keyless entry FOB, you can buy a spare key or have your car towed to the closest brand dealership, where they will program a new FOB to pair with your vehicle. Smart keys are the most expensive set of keys among all types, and you should only get them from your authorised car dealer.

Losing your car key is not a significant concern as there are several ways to recover a new one or attain a spare key. Also, consider purchasing key protection coverage while evaluating new car insurance rates for comprehensive coverage of your car and its key. It's always a safe option to watch out for your car keys and keep them safely in your pocket and avoid leaving them unattended.

Click HERE to buy comprehensive 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.

When looking to purchase bike insurance coverage, there are a variety of options available. A comprehensive policy with zero depreciation add-on coverage is among the most used motor insurance policies.

This post will discuss the advantages of purchasing the zero depreciation add-on, how it improves coverage, and most importantly, whether the higher price is justified. To learn more, keep reading.

What is zero depreciation on bike insurance?

As a policyholder, you must be informed of the numerous crucial provisions of bike insurance. The depreciation component is one of them. Depreciation is nothing more than a loss in value that occurs over time. The bike and its components experience normal wear and tear over time. The result is depreciation.

When you file a bike insurance claim, the depreciation factor comes into play, and your claim amount is reduced. This is why you want to think about acquiring zero-depreciation two-wheeler insurance. You can purchase this add-on coverage along with the complete bike insurance plan. No matter how old or the bike has depreciated, the insurance company will pay out the entire claim amount when you have a zero depreciation cover.

The benefits of bike insurance with zero depreciation.

● More compensation: With a zero depreciation add-on, the cost of repairing your bike is covered without accounting for the bike's diminished worth. Consequently, you are reimbursed for the entire coverage.

● Saving money: You pay a higher cost with a zero depreciation add-on. But it's also true that your insurer will pay you more when you file a claim. Additionally, if you get insurance from an insurer that permits limitless zero depreciation, you can save money each time you file a claim for your motorcycle.

● Abundant coverage: Every bike owner can benefit from a zero depreciation add-on cover, valid for inexperienced and seasoned drivers. This acts as additional insurance to handle any financial problems arising from any catastrophe with your bike.

● Restrictions on out-of-pocket charges: With this add-on coverage, you can limit any additional costs that an insured person would otherwise be required to pay as depreciation charges. The depreciation value will not be considered when settling your claim, though, if you already have this add-on coverage.

● Reduces mental stress: The zero depreciation add-on cover provides a second layer of protection, which gives you more peace of mind by reducing your financial stress to a large extent.

When is a zero depreciation add-on cover required?

1. If you've only just started riding:
Compared to seasoned bike riders, new riders are more likely to make mistakes that result in collisions and bumps. Therefore, a zero depreciation cover would benefit you if you have just started riding two wheels.

2. If you purchased a new bike:
Since new bikes are so expensive, you should cover them as much as possible with protection. You may aid yourself at this point and preserve your bike in excellent shape for longer by getting a decent zero depreciation cover.

3. If you drive a pricey automobile:
If you possess an expensive bike, you should purchase the zero depreciation rider. A costly motorcycle requires a lot of money for repair and maintenance. Thus, you should be reimbursed for the total cost of each repair each time.

4. If your neighbourhood is dangerous:
Some neighbourhoods are crowded or prone to accidents. Acquiring zero depreciation insurance will benefit you if you live in such a location.

Reminders regarding the zero depreciation add-on cover.

Keeping the zero depreciation add-on cover in mind will help you recall the following:

● It is offered for new bikes up to two years old

● This addition does not waive the required deductibles

● Most insurance companies permit claims with no depreciation addition twice per year

A comprehensive bike insurance policy provides additional financial security if the bike sustains damage. Furthermore, a zero depreciation add-on to comprehensive insurance strengthens and adds more security when you file a claim. The most incredible thing about this addition is that by avoiding depreciation reductions, it can raise the amount of your claim. If the zero depreciation add-on is offered when you renew the bike insurance plan, you should consider opting in.

Click HERE to buy the best bike insurance plan 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.

Over the years, there has been a significant and gradual increase in the demand for luxury goods globally. In the automotive industry, superbikes are an excellent example of the shift from only necessities to splurging on comforts and luxuries. Once considered only for racing enthusiasts, high-capacity motorcycles with an engine capacity of over 150cc are now being used for recreational purposes and commuting.

However, the recent cases of rejected claims by motor insurance companies for accidents involving superbikes have raised concerns over the technicalities of insurance contracts and their effectiveness in shouldering financial losses.

Read on to find out about one such case, the aftermath, and some tips to ensure that your policy covers all such damages if your bike has a high engine capacity.

Case study:
This claim settlement case involved a bike with an engine capacity of over 340cc, which faced an accident, resulting in the rider's demise. The motor insurance company denied the claim since the bike insurance policy included a clause that stated that it should not cover personal accident claims involving bikes or scooters with over 150cc engines.
While the claim was initially denied, the motor insurance company later released the sum to the insured's family and clarified the issue. The insured was covered under an outdated policy that they had since updated to include personal accident cover.

This brings us to our question, is a high-engine capacity bike not covered under bike insurance?
While the case in question may make you believe that superbikes are not included under the provisions of bike insurance policies, it is not the case! The legal requirements of an insurance contract are constantly tweaked to provide maximum benefit to the insured while ensuring that the motor insurance company is aware of all the facts regarding its client to ensure that no insurance fraud occurs. While the old insurance clause excludes personal accident covers, potential policy buyers should read the fine print of their insurance documents to ensure that they are provided with the most recent version of the insurance policy that maximises inclusions.

General engine capacity and usage inclusions as per the old rule:
The old rule prevents the insured from lodging personal accident claims for motorcycles with an engine capacity greater than 150cc. Generally, 2-wheelers with an engine capacity of less than 150cc are used for commuting purposes only. They are, therefore, less risky and more profitable for the insurer since accidents are relatively fewer when compared to bikes with high engine capacity. High cc bikes are expensive, have lower mileage, higher premiums, and have less fuel efficiency.

Tips to ensure that all relevant damages are included in your policy.

As a prudent mechanism, insurance protects the insured in most cases as long as the circumstances are not stated as exclusions from the policy.

1. Read the fine print:It may seem tedious to go through the minute details of your insurance, but it is the safest way to ensure that your motor insurance company is providing you with the latest version of the policy with the most inclusions.

2. Consider purchasing an add-on: Despite close inspection, if specific clauses restrict the scope of potential claims, it is advisable to buy add-on facilities such as zero depreciation cover to keep your expensive possession safe.

3. Compare your alternatives: Before committing to an insurance provider, it is highly advised to compare the existing options and choose a plan with the most inclusions and justified premium with a high claim settlement rate.

4. Renew your policy on time: Delayed renewals and outdated coverage plans are significant issues that potential policy buyers must avoid.

Bikes with higher cubic capacity deliver a powerful performance, making it a worthwhile investment for motorcycle and speed enthusiasts to get their adrenaline rush. Since their cost and insurance premium is more significant than lower cc engine bikes, it is necessary to check the specifications your motor insurance company provides thoroughly. Read all the terms and conditions before making a final decision.

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

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.

Public liability insurance shields policyholders from lawsuits brought by third parties for their injuries, damaged property, or other damages due to the insured's negligence. Many people, particularly owners of small businesses, are still determining whether getting public liability insurance is required. We'll look into the answer to that question in this blog post.

General liability insurance may, however, be mandated by law as part of the licensing or registration requirements for specific businesses or professions. Let's dive deeper and understand why purchasing public liability insurance would be better for you.

Reason 1:
It is strongly advised that you consider getting public liability insurance even if your profession or industry does not mandate it. This is because accidents can occur at any time and can be highly expensive to handle. For instance, you can be responsible for paying a customer's medical bills, lost earnings, and other damages if they slip and fall on your property. You would have to cover these expenses out of your pocket if you didn't have public liability insurance, which might be extremely expensive.

Reason 2:
Public liability insurance helps shield your and your brand's reputation. If a client or a public member is hurt or loses something due to your company's negligence, it could hurt your reputation and generate bad press. By having public liability insurance, you can show your clients that you care about their security and well-being and that you have the resources necessary to cope with any mishaps that might happen.

What should be considered while purchasing public liability insurance?

1. The amount of coverage you require should be carefully considered before buying public liability insurance. The level of risk involved and the kind and size of your organisation will determine how much coverage is necessary. For instance, a tiny home-based firm would need essential protection. In contrast, a larger company with many employees and risky operations might need higher security.

2. To make sure you know what is and isn't covered, it is also crucial to carefully read the terms and conditions of your public liability insurance policy. Before acquiring insurance, it's critical to be informed of any exclusions or coverage restrictions that might apply. Although you will depend on the insurance provider to cover any potential claims, ensuring they have a solid reputation and sound financial position is also crucial. Therefore, when buying public liability insurance, it's vital to carefully examine the degree of protection you require, review the policy's terms and conditions, and select a reputed and financially sound insurance provider.

3. Cost should be considered when selecting public liability insurance. The price of public liability insurance will change depending on the level of protection needed, the size and type of your business, and the insurance provider you select. Even if cost is a crucial element, it shouldn't be the only factor you consider. In addition to the protection, comparing the insurance cost to the possible costs of a claim or litigation is crucial.

In conclusion, even though many businesses do not think about acquiring public liability insurance, it is strongly advised that you consider doing so. Accidents can occur at any time, and if you don't have public liability insurance, you may be responsible for significant losses and costs.

Also, by acquiring public liability insurance India, you can show your clients that you care about their security and well-being and that you have the necessary resources to cope with any mishaps that may happen. Therefore, explore your options and purchase the best public liability insurance, which would cater to your organisation's and your client's needs in the best way and add the layer of security as required.

Click HERE to learn more about the benefits of purchasing public liability 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.

We have seen cars with various types of number plates. Usually, the number plates of vehicles include the vehicle's registration and the state in which it was registered. There are VIP number plates too, which have digits in a unique combination and cost much more than the regular number plates.

In this blog, let's decode the BH series number plates that have been quite talked about recently in India.

1. What are BH series number plates?
In layman's terms, a car with a BH series number plate will not have to get a new registration card upon moving to a new state. These BH or Bharat series number plates were brought into execution in 2021 by the central government of India. It allows the vehicle owners of non-cargo automobiles to shift from one state to another without worrying about getting a new registration for their cars, two-wheelers, etc.

2. How are these BH series number plates useful?
The BH or Bharat series number plates have proven helpful for people in the government sector who frequently have transferable jobs, for people in the defence sector, or the private sector who regularly have to change their location to cater to the demand of their work and the companies they are employed in. These number plates allow them to avoid the hassle of exhausting themselves by running to the RTOs (Regional Transport Office) and getting a new registration for their non-cargo four-wheelers and two-wheelers.

3. Some information about number plates is essential.
The regular registration of a non-cargo vehicle involves limiting it to one state. The initial two letters of the number plates denote the state the car was registered in. For example, GJ for Gujarat, BR for Bihar, TN for Tamil Nadu, DL for Delhi, MH for Maharashtra, etc. The two digits next to the letters depict the district of the state of registration.
However, for regular registration, when a vehicle is shifted from one state in India to another, it is permitted to use its old registration and number plate for up to twelve months. After this period of one year, the vehicle needs to get a new registration at the RTO of that particular location. This new registration includes a NOC certificate, additional charges, and taxes, which will be informed upon your visit and consultation. The vehicle owner will be fined according to the costs of the new state if they fail to complete this process in time.
However, the registration process for BH series number plates began on the 15th of September 2021, and is entirely digital. Therefore, all your application work has to be done online. This avoids the struggle of commuting to the assigned government office and getting in line for your work to be completed.
A BH or Bharat series number plate will look something like this:
XY BH $$$$ XX
XY is the registration year, BH is the Bharat series code, $$$$ is the registration number of the vehicle (ranges from 0000 to 9999), and XX are alphabets from AA to ZZ indicating the category of the car.

The introduction of BH or Bharat series number plates provides a huge relief against this tiring and lengthy process for the people who have to move their families and house setup from one state to another quite often.

We hope this blog gives you insights into something new that benefits you or clarifies the BH series number plates. And while we are on the subject of cars, you must already be aware of the necessity of getting car insurance to safeguard your car during unfortunate circumstances which might lead to hefty damages. To choose which car insurance to buy, one of the most critical factors is to look at the standard car insurance price in India and compare different plans and their coverages accordingly.

Click HERE to learn more about the average car insurance price in India and which insurance would be beneficial for you.

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.

Cleaning a driving test to obtain a two wheeler licence seems complicated, and the application procedure for a rider’s permit often dissuades many people from learning how to drive a two-wheeler. Balancing, control, awareness, and judgement are parameters evaluated during the practical assessment.

One of the most commonly feared parts of the test is manoeuvring the 8-track. It is the perfect test of all the criteria mentioned and requires excellent balance and coordination. Additionally, steering ability and break application are also checked in the test.

If making an 8-curve on your two-wheeler intimidates you, here are some simplified steps to ensure perfect results each time!

1. Pre-ride check:
Before starting, ensure your two-wheeler is fuelled and has appropriately functioning brakes and indicators. It is also necessary to practise with your helmet on to prepare yourself for the actual test, where it is compulsory to ride with your helmet on. Before starting, we recommend warming up by doing short laps in an open area to ensure you are correctly seated and find the right balance.

2. Initial right curve:
Usually, making an 8 begins by taking a right turn to form a quarter of the 8. You do not need to use the indicators in this section, so just focus on steering. Ride slowly up the arc and proceed towards the mid-point by following the lane markings to aid proper steering.

3. Prevent understeering:
The second quarter or the arc of the 8 can be easily manoeuvred by ensuring you do not understeer. Understeering occurs when the handlebar is turned at an angle less than the desired angle. Again, follow the markings to get a better judgement of the angle of steering. Maintain your momentum and balance while making the turn.

4. Reverse S-shaped curve:
After crossing one-half of the track, instead of sticking to the inner edge, slowly shift to the outer boundary of the curve to complete the reverse S arc. You might steer at a wider angle than required at this stage, resulting in your bike crossing the track boundary. This causes a failure in the test. So, be careful and ensure you have a strong grip on the handlebar.

5. Final curve before exiting:
The final curve is the easiest since it requires central positioning and basic balance before exiting the track by turning on your left indicator.

All you need to do is ensure coordination between the clutch, gear shifting, and accelerator while completing the 8-track. Remove the fear from your head, and understand that it is all about balance! Take a deep breath and get through.

Additional tips to make manoeuvring effortless.

For a rider with experience, the steps mentioned above may seem excessively detailed, but a beginner may require additional inputs to follow the same. Keeping these in mind can help prevent mistakes and make it easier to steer through continuous curves.
● Shift your weight slightly as you steer your bike to maintain your balance
● Do not go extremely slow, as it makes balancing difficult
● Ensure that you do not shift your handlebar to either end
● Keep your body relaxed and elbows at right angles to distribute weight evenly.

Beginners often question the need to learn how to make an 8-curve on their two-wheelers perfectly. Although such opportunities are rarely faced on the roads, they prepare one for sharp turns, immediate application of indicators, balance, and coordinated judgements. These skills are fundamental requirements of a good rider and prepare one for all terrains and roads. Before you begin practising your figure 8 manoeuvre skills, consider purchasing two wheeler insurance India which covers any accidents and allied costs you may face.

Click HERE to buy the best two wheeler insurance India.

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

We all follow different sleeping patterns and habits. Some people like to sleep more, while some tend to avoid sleeping at all. Many fall asleep the moment their head hits the pillow, whereas others struggle to get any sleep throughout the night.

Inconsistent sleeping patterns can be hazardous to health. It disintegrates the whole sleep cycle and leads to various health problems. Sleeping too little or too much can be problematic in their ways. But how is oversleeping a bad habit? How can it affect your health negatively?

There are several reasons why oversleeping is bad for your health and can lead to severe problems. These problems can affect your health adversely. You must always have a health insurance policy handy to deal with unexpected medical expenses. Also, ensure that you take care of your health insurance policy renewal to enjoy the seamless benefits without interruptions.

Let's look at various things related to oversleeping.

How much sleep is adequate?

The amount of sleep you should get throughout the day varies for different people. If you're unwell or tired, you will require more sleep. If you are young, you're likely to fall asleep faster due to increased physical activity.

It is recommended to get over 7-9 hours of sleep at night. Any sleep above this can result in oversleeping. The various ill effects of oversleeping are mentioned below.

● Diabetes:
If you sleep more than the designated time at night, you are likely to be on the verge of developing diabetes. Oversleeping puts one at risk of a spike in sugar content in the body. Even not sleeping enough can lead to the same problems.

● Back pains:
Research has shown that oversleeping can be one of the causes of back pain due to disoriented sleep positions for long hours. It is recommended to perform certain exercises to help you deal with such back pain and, most importantly, avoid oversleeping.

● Obesity:
Oversleeping can cause weight gain drastically. If you sleep more than 9-10 hours, you'll likely develop obesity over five to six years. The reason is that your body goes into relaxation mode while sleeping. Lack of physical activity reduces the BMR, impacts digestion, and results in fat accumulation.

● Depression:
Not just physical ailments, but oversleeping can also lead to mental health issues. People who sleep more than usual are likely depressed. While oversleeping, one decreases their chance of recovering from depression.

● Headaches:
If you're prone to headaches and migraines, oversleeping can worsen it. Whenever one sleeps more during the weekends, it can disrupt their sleep cycle. Irregular sleep patterns can lead to persistent headaches. This is because it fidgets with the neurotransmitters like serotonin in the brain.

● Heart disease:
A lot of research has been conducted to validate that oversleeping can lead to increased heart disease. It puts you at risk of developing cardiovascular disease due to a sedentary lifestyle and lethargy. Oversleeping causes obesity which in turn puts pressure on the heart.

● Impaired fertility:
Women who oversleep can find it difficult to conceive. It is also the same for women who sleep less than the given time. It can affect their cycle badly and disrupt the hormone levels in the body.

● Death risk:
It is alarming to note that oversleeping can lead to an increased risk of death. It can also be directly linked to the risk of developing a stroke.

Everyone should sleep only 7-8 hours throughout the day. It is best to avoid napping during the day to sleep better at night. One should also maintain a good diet and exercise to keep themselves fit and energised. Prioritise your health, practise mindfulness, develop a sound sleep routine, and invest in health insurance to keep away your worries. You should also complete your health policy renewal on time to avoid problems later.

Click HERE to get your health insurance policy renewal done.

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

People with insomnia do not get enough sleep, and most of the days do not wake up feeling refreshed. The cause of sleep deprivation varies among individuals. Sleep deprivation is associated with various issues like weariness, difficulties focusing, mood fluctuations, and poor job performance. However, most cases of insomnia are caused by stress, an unpleasant experience, or abnormalities in the sleep cycle. Severe insomnia can only be cured via treatment. However, short-term insomnia is manageable.

If you have trouble falling asleep after retiring for the day, no matter how weary you are, here are some home cures you may try.

1. Yoga:
Yoga is considered a proven method to improve sleep quality and boost mental well-being. It also helps reduce stress, enhance physical performance, and increase concentration.
Remember to choose a style that emphasises moving meditation or breath work over strenuous physical motions. Slow, controlled motions help you to maintain your attention and concentration. Practicing the poses before going to bed might help you relax and unwind.

2. Meditation with awareness:
Mindfulness has been shown to improve well-being by lowering stress, building tolerance, enhancing good mood, and even strengthening immunity. It also has a positive influence on one’s sleep quality and schedule.
There are many free and commercial mindfulness videos, applications, and podcasts accessible online. People who want to experience mindfulness may decide to take a class, join a local weekly workshop, or visit a retreat.

3. Magnesium:
The magnesium generally produced in our bodies also aids in promoting a balanced sleep-wake cycle. Taking a daily magnesium supplement may help patients sleep better and for more extended periods. Consuming magnesium-rich meals, particularly in the evening, may aid in inducing better sleeping patterns.

4. Lavender oil:
For years and years, people have used this essential oil as a natural medicine to enhance sleep and produce feelings of relaxation. Lavender oil may be used as a pillow spray, patch, massage oil, or aromatic diffuser to help sleep. Lavender promotes sleep onset, healthy sleeping habits, and sleep patterns.

5. Practice sleep hygiene:

In its most basic form, sleep hygiene outlines a person’s nighttime habits and activities.

Individuals may improve their sleep hygiene by doing the following:

● Avoid computers, laptops, mobile phones, and televisions at least an hour before night

● Making the bedroom dark with muted lights, thick drapes, and blinds, or wearing earplugs and eye masks

● Avoid liquor, tobacco, and caffeinated drinks in the evening

● Maintaining a regular bedtime pattern that involves sleeping at the same time each night and waking up at the same time each morning

● Abstaining from eating large meals for dinner

● Take a hot shower or bath before going to bed

As per the studies carried out, insomnia is a frequent disorder with up to one-third of individuals suffering from it at some age. There are numerous cures and practices that a person who has insomnia might attempt to enhance their sleep. However, these home remedies will only work for people with minor insomnia.

We recommend consulting with a doctor for anyone going through chronic insomnia. Also, almost every health insurance covers the medical treatment for this disorder. Remember to get your health insurance policy renewal on time to avoid the last-minute hassle and avoid the lapsing of your current plan.

Click HERE to get a health insurance policy 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.

Insurance policies, including non-general and general insurance plans, have gained popularity among Indians. While the increased penetration rate is a welcome change, protecting policyholders against potential fraud becomes essential. Insurance companies are taking adequate measures to spread awareness and educate potential policy buyers about possible crimes that involve fake policies, fraudulent insurance agents, mis-sold policies, etc.

This blog informs you about insurance traps you might be prone to and helps you elude them.

1. False alerts: reviving expired policies –
One of the many ways scammers trap innocent people is by calling them about policies that lapsed a while back due to payment failure. These dormant policies are then illegally accessed by telemarketers, who call up policyholders, informing them of good news. According to them, policyholders can now get a bonus on their policy, but you can only access it with a fee. They may also try to sell new policies. You can easily avoid this trap by being vigilant and reading the fine print of your policy.
To prevent scams and fraud, IRDAI is also regulating the insurance sector by digitalising it. An e-Insurance Account is a digital portfolio of all your non-general and general insurance plans, which helps keep track of policy tenures, switch, or buy policies at a single click without any hassle.

2. A guaranteed return providing investment sans market volatility –
The lack of financial literacy is mainly to blame for this misconception. As the uninformed public continues to hear of the short-term successes of a small section of well-informed investors who do due diligence before making their financial decisions, they crave similar results without putting in as much effort.
Taking advantage of the situation, insurance agents often pitch general insurance plans as alternatives to conservative investments like a fixed deposit and promise high returns. While the money put towards any insurance policy is a better investment than letting it sit idle, such claims are not backed by proof and must be avoided.

3. Getting pitched insurance policies as a tax-saving investment –
Tax planning is usually seen as a dreadful task that most individuals undertake only when essential. Therefore, some folks jump at it when the most effective sales pitch comes in, saying that an additional insurance policy would give you tax cuts (because of 80C) and would be a suitable investment. The tax-saving months before March are when these fraudulent pitches are made, and people need to determine whether the investment is necessary in the first place.

As the insurance sector evolves, insurers must make policyholders aware of the role of general insurance plans as a protective cover rather than a mode of investment to minimise your tax burden.

Your overall financial and tax planning for the following period should be done at the beginning of the current financial year. It is crucial to consider all factors, including your current investments, non-general and general insurance plans you might have taken, your kid’s school fees, and other expenses. Start early, and you won’t be in a hurry to reach the deadline, so you can read the fine print on all the documents and do apt research before signing on anything.

Click HERE to learn more about general 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.

A car has the capacity for durable and comfortable rides, ensures safety, and is a significant investment. All this has given cars an upper hand over all the other vehicles.

Although buying a car can be easy if you have enough money, it is not always the only thing. With a car, there are a ton of other responsibilities. One is getting your vehicle covered and ensuring the car insurance renewal is done on time.

There are multiple options available for car insurance online and offline. This can leave you to require more clarifications. One such option lies in the comprehensive car insurance that covers almost every damage that might trouble your car. From man-made problems to natural disasters, you'll get compensation for all the damages. However, this insurance might cost you more money than usual. Is it worth to have comprehensive car insurance, or is it just exhaustive? Let's find out!

What is comprehensive car insurance?

Comprehensive car insurance is not mandatory insurance by law, but most people prefer to buy it. It is because it comes with many benefits that set it apart from the other options.

Comprehensive car insurance will cover own damage (OD) as well as third-party damages. It covers all damages due to natural calamities, accidents, theft, man-made issues, and even fire. Natural calamities like floods, cyclones, and earthquakes are covered. Acts like vandalism and riots are listed under man-made issues.

What are the benefits of comprehensive car insurance in India?

1. Complete coverage:
This insurance type is the only one that offers complete coverage to a car, including its total or partial loss due to own damage and third-party damages. It also compensates for the death or disability of the owner-driver, third party, or property damage.

2. Best returns on investment:
Comprehensive insurance eliminates the need to buy separate policies to cover own damage and third-party damages. All the benefits can be obtained from a single policy, including the personal accident cover. This helps in saving money and offers the best ROI.

3. Liberty to add optional covers:
You can purchase additional covers like zero-depreciation, no-claim bonus, tyre protection, engine protection, breakdown assistance cover, etc. This makes your base policy stronger.

4. Cashless benefits:
Yes! You may enjoy cashless benefits while claiming your comprehensive car insurance when you get your car repaired or serviced in a network garage. You don't have to pay even a single penny for the damages!

You may have understood what comprehensive car insurance is all about. But, did you imagine to whom this insurance type would benefit the most?

1. The city drivers:
Cities signify constant traffic jams, chaos on roads, and persistent risks of accidents due to overcrowded roads and indiscipline traffic situations. Metropolitan residents must buy this policy to provide all-round protection to their cars.

2. The adventurers:
If you love to plan road trips and explore places frequently, this insurance can do wonders for you during emergencies with its road assistance cover.

3. New owners:
If you have bought a new car, the first step should be buying comprehensive coverage to improve the longevity of your new asset.

4. Premium and luxury car owners:
If you own premium and expensive car, having this insurance in your investment portfolio can be fruitful.

5. Obsessed with your car:
Even a small dent or scratch on the car panics you. Then you must opt for comprehensive coverage to calm your nerves and stay stress-free regarding compensation for any damage to your car.

You should keep various pointers in mind while buying comprehensive car insurance in India. Owning an asset is a crucial responsibility and ensuring its safety is paramount. Comprehensive car insurance has seamless benefits that make it a reliable investment option and less exhaustive compared to its counterparts. Regardless of the policy you buy, get the car insurance renewal done on time to avoid your policy from lapsing.

Click HERE to get your car insurance renewal done on time.

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 have all heard the famous proverb, "a sound mind lives in a sound body". Both are integral parts that should be taken care of to lead a healthy life. In this blog, we will discuss some methods to sharpen your brain and polish your cognitive skills.

You can call your brain the control centre of your system since it processes all you see, hear, touch and think. Your brain perceives different sensations, sounds, images, etc., and conveys the signal to your whole body, signalling it to respond accordingly. Incredibly, this process happens within a matter of seconds.

It is crucial to take extra care of your brain's health and mental wellbeing. Dietary and lifestyle changes help combat cognitive-related issues such as mental health problems, anxiety and depression and help in enhancing creativity.

Here's how you can sharpen your cognitive abilities.

1. Relieve stress:
Develop a habit of taking walks daily and breathing in the fresh air. Other relaxing activities can include getting a massage, reading, meditation, etc. These activities help release the tension and stress from your body and lower your cortisol levels which tend to affect the memory sections of your brain.

2. Sleep well:
Sleeping at least eight hours a day is crucial to maintaining a sound mind. Quality sleep helps your mind commit things to memory and improve your brain's retention capacity.

3. Play:
Include games like crossword, sudoku, and puzzles in your daily schedule. These games intensify the usage of brain functions, thus helping in improving your reasoning and retention abilities.

4. Doodling:
Recent research has proven that doodling and colouring activate your brain's reasoning and problem-solving region. These activities enhance the blood supply to the prefrontal cortex and strengthen your mind's analytical and attention capabilities.

5. Dark chocolate:
Dark chocolate has been proven good for your physical and mental health. Studies have found that it contains flavanol, a substance that boosts your brain's memory retention, functioning, and processing abilities.

6. Reduce sugar consumption:
Consumption of carbohydrates and a sugar-rich diet can slow down your brain as your body takes time and energy to break down these substances. Consuming too much sugar also leads to depression and heart diseases, thus risking your physical and mental health.

7. Exercise:
Research has shown that lifting weights help in improving cognitive abilities. People who lift weights tend to increase their spatial memory. It helps in memorising the environments one is in at any given moment. Spatial memory enables you to remember layouts of a room or how you arrange things in your space. People who achieve their physical goals by walking strengthen their verbal memory.

These are some techniques that can help improve your cognitive skills. Apart from the above tips, you may even practise mindfulness by indulging yourself in daily yoga and meditation sessions. Yoga and meditation These healthy practices can keep your brain active and impact your productivity.

A wise option would be to protect your and your loved ones' health against unprecedented circumstances. To stay monetarily stress-free in health emergencies, explore multiple options and purchase the best health insurance policy in India.

Click HERE to know more about how you can buy the best health 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.

Helmets are protective headgear that can save your life in case you fall from a running two-wheeler or collide with another vehicle. Also, wearing a helmet while riding a two-wheeler is compulsory under Section 129 of the Motor Vehicles Act, 1988.

Imagine if a helmet can detect drunk driving, location tracking, navigation, a hands-free device, and several other functions other than just protecting your head during a ride. Yes, this is all possible with the advent of intelligent helmets.

This article tells how smart helmets are set to change your riding experience.

1. Detecting a helmet:
Many two-wheeler riders do not wear a helmet intentionally. Also, some may forget to wear it while leaving home or the office. This can be dangerous to their lives in case they meet with an accident on their way. Smart helmets are equipped with Force Sensing Sensor (FSR) that detects whether the rider is wearing a helmet. It senses actual human touch. If it does not detect it, you will not be able to turn on the ignition of your two-wheeler.

2. Alcohol sensor:
Smart helmets can also be fitted with a gas sensor that can identify the alcohol content from your breath. It can be placed right in front of your mouth, detect if you are drunk, and prevent your vehicle from starting. This can be very helpful in avoiding an accident due to drunken driving.

3. Accident detection:
Smart helmets can detect accidents and alert a phone number by sending a message. It makes use of accelerometers and vibration sensors for this purpose. A free-fall sensing unit can detect when the two-wheeler falls freely and is not in control. Similarly, a vibration sensor senses signals and pressure and sends a message to the registered mobile number. This can be life-saving in times of an accident as the receiver of the message can instantly rush to the accident spot or alert friends, police, and an ambulance to reach the spot.

4. Over-speeding and rash driving alert:
Smart helmets can also alert you if you are riding above the speed limit fed into it or are driving rashly. Such alerts warn you to reduce your speed and drive carefully.

5. Bluetooth connectivity:
Smart helmets can be connected to your bike and mobile phone via Bluetooth. This can allow you to make calls or answer them safely while riding your two-wheeler.

6. Navigation, location tracking, and recording:
Smart helmets come equipped with a GPS device that can accurately tell the rider’s location. This can be useful in times of emergency or theft of your two-wheeler. Also, they can help in navigation while you are riding your two-wheeler.

You can also install hi-tech cameras on your smart helmets. They can record and store all the details of your rides, such as speed, distance covered, time taken, etc. This can be very helpful for bikers and racers.

Smart helmets are a world in itself, with numerous options for adding or removing applications and additional devices per rider needs. They can completely change how you have been riding your two-wheelers. They help to make your rides much safer and technologically advanced than a regular conventional helmet.

Why just rely upon a smart helmet to alert and protect you in case of an accident? Choose from a wide variety of 2 wheeler insurance online after comparing them thoroughly. Protect yourself from any sort of financial losses that you may suffer due to an accident or theft of your two-wheeler.

Click HERE to buy 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.

Reverse driving and parallel parking are two things that most people are scared of. Parallel parking takes some practice and extreme caution. The same goes for driving in reverse. Expertise in these driving techniques helps in becoming a skilled driver.

If driving in reverse scares you, here's what you need to know. This blog answers all your questions and more information on driving in reverse gear to understand how you can gain confidence over your anxious mindset about these driving techniques. So, without any further delay, let's get started.

1. It is not a big deal:
Many expert drivers get confused and anxious while driving in reverse. Due to nervous feelings, they might even mess things up and land in collisions. Therefore, it is vital to make yourself comfortable and relaxed in your position to get an accurate view of the traffic and the path you need to reverse.
You can place your foot on the brake and for your confidence, turn around to ensure you get a clear view of the pathway. Ensure that you keep your seatbelt intact and ask the passengers to fasten their seatbelts properly.

2. It is time for the reverse gear:
After positioning your seat, fastening your seatbelt, and adjusting your mirrors to get a clear rear and front view, you need to shift your gear to the state in which it indicates R, i.e., reverse gear.
After performing this entire process, you can slowly put your foot on the accelerator pedal and put slight pressure, just enough for your car to move, avoiding the risk of any collisions. Slowly release the clutch after putting your foot on the pedal. Drive the vehicle in reverse at a carefully vigilant speed, and park your car right where you want it to be.

3. Mirrors at the right angle:
You must always ensure that you keep looking in the passenger side mirror to be aware of any other vehicles or objects in the surrounding area, especially when driving in reverse gear. This will avoid any risk of collisions or accidents with things that might come your way. Mirrors even help you get a better view and understanding of available space to park your car correctly.

Some other tips to take care of while you are driving in reverse include placing your right hand on the steering's upper portion to gain optimum grip, going reverse in a straight line, stopping the car at the desired position slowly to avoid any jerking, doing a complete 360-degree check before you begin to reverse in a particular location, etc. Make optimum use of a rear parking camera that will assist you in observing the obstacles and parking your car precisely.

We hope this blog will help you drive in reverse more comfortably than before and help you alleviate your stress. Always wear your seatbelt while driving to ensure safety. And while we are talking about safety, understand the importance of purchasing car insurance to safeguard your car from financial distress due to damages. Therefore, to stay on top of your insurance coverage and continue to enjoy the privileges, you need to make sure that you take care of your car insurance renewal.

Click HERE to learn more about car insurance renewal and the tips you need to know when you pay your premiums.

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 bike drive chain consists of interconnected oval loops made of metal, forming a roller chain. The teeth of a sprocket gear mesh with the holes in the links of the chain. The mechanical force from the engine puts the bike chain in motion, which causes the bike's wheels to rotate. Hence, a bike's drive chain is an important part and must be handled properly.

A drive chain is usually the dirtiest part of our bike. It is oiled and greased, catching loads of dust and mud from the roads. Here are some tips for maintaining your bike's drive chain to ensure longevity.

1. Periodic cleaning:
Regular cleaning keeps it free from dirt build-up, rust, and breakage. You should regularly check your drive chain by lifting the rear wheel of your bike off the ground and manually rotating the drive chain. You should check every chain link and use a firm brush to clean them.
If you hear squeaking sounds from the chain while riding your bike, it is time for relubrication. Also, you should check for tight links that are not bending easily. Clean them properly and lubricate them to ensure their free movement. It will also prevent rust build-up.

2. Lubricant quality:
Always use a good quality lubricant to ensure its longevity. It should be specifically made for a bike's drive chain and should not be just any lubricant.
Dirt and mud damage the drive chain. The lubricant should be such that it should minimise the accumulation of dust and grime on the drive chain. Also, it should be long-lasting as the drive chain will wear down and get damaged if the lubricant is less or missing.

3. Do not over-lubricate:
Over-lubrication is harmful to the drive chain. It will attract more dust, mud, and concrete from the roads and damage the drive chain. To ensure smooth operation, you should always wipe off excess lubricants with a rag.

4. Thorough cleaning of the drive chain:
In case you ride your bike through muddy roads frequently or use it on rough terrains such as a mountain, you should remove the chain completely when it becomes excessively dirty. You can remove it yourself or seek the help of a mechanic.
Use a good quality chain solvent available in the market and soak your chain in it for the prescribed time. Then scrub hard to remove the dirty grime from the chain links. The solvent will do its job, and your chain will become clean and grime-free. Relubricate your drive chain once completely dry, and put it back in the bike.

5. Stretched chains:
Sometimes your bike's drive chain seems to stretch and become loose. This is because of normal wear and tear of the chain with usage. A loose drive chain cannot provide a good grip for the movement of the wheels and may even slip from its cog.
Check for a loose drive chain regularly, and get it fixed as soon as you find one. Ignoring it may cause further damage to the drive chain, and you will have to replace it.

The drive chain of your bike is a very important part of its smooth running. You must take good care of the chain to keep it in its best shape. Clean it regularly and keep it sufficiently lubricated to ensure its longevity.

Buying a good bike insurance policy for your bike is another important thing that you need to do to ensure a glitch-free ride. Buy bike insurance online after comparing it with the policies of several companies. You can do this from the comfort of your home or office without physically visiting any insurance company. Go for the best bike insurance policy as per your specific needs and enjoy complete protection, security, and peace of mind.

Click HERE to buy bike insurance online.

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

An automobile comprises interconnected mechanical elements and complicated electrical wiring technologies. While we may enjoy contemporary comforts such as stereos, interior lighting, and even hologram speedometer readings as long as the electrical systems function correctly, all systems and components come to a standstill on account of short circuits.

A short circuit is a wiring fault because of a loose or defective wire that shunts electricity between courses before it hits its target. Although the signs of a short circuit are similar to those of an open circuit, the diagnosis is somewhat different. A short circuit may happen in various ways, and it's not always straightforward to locate and fix.

However, to understand how to discover a short circuit, we must first grasp how a perfectly working circuit operates. So here are a few tips for locating a short circuit in your car.

1. Make a map of your vehicle's circuit:
Remove the wire harness from your vehicle and turn to your Early Warning Device (EWD) to start diagnosing the circuit. Identify the various cables and circuits you're inspecting so you know where to go next. Wire colours should match the colours specified in the EWD. However, this may differ based on where you obtained your EWD.

2. Examine any exposed wiring:
One may also save time and effort by inspecting any exposed wires first. You may find a damaged or chafed wire that you can immediately begin mending. However, since most automobiles' wiring is tightly wrapped, you'll almost certainly need to try a few boards to figure out where the issue is.

3. Inspect all wires for faults:
If you feel a specific wire causes the problem, you may detach its connection at either the sensing or loading ends. Check your test indicator to see if it fades out or your multimeter to check if it stops buzzing. Next, you may remove your car's panelling and inspect the wires to see if you can pinpoint the problem.

4. Testing the 5V circuit:
In case the short is a 5-volt circuit, the Engine Control Module utilises it to regulate the gearbox and engine. You may unplug the battery first, then the ECM. It'll also enable you to identify electrical oscillations and approximately pinpoint the location of the short circuit.

5. One-by-one assess all the fuses:
Check the fuses and look for any easy, quick short circuits. Take a fuse at random and attach your testing indicator to its socket terminals. If a current is detected, the test LED will light up. If the test light does not ignite, it may suggest that electricity is not flowing to that fuse. This indicates that the damaged wire is along that route.

Knowing how to detect a short circuit may save you a lot of time and money while ensuring that your car is safe and perfectly operational. While it might be time-consuming, utilising the approach mentioned above should provide you with the knowledge you need to detect and fix any short circuit in your vehicle.

However, if you still face difficulty identifying the origin of the short circuit, visit the nearest garage. It is ideal to have your vehicle backed by insurance for even minor expenses like these. Search for the best car insurance in India and get yours right away to cover your vehicle against damages caused due to unexpected short circuits.

Find the best car insurance India for your vehicle 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.

Be it the summer season, winters, or heavy monsoon, you need to take care of a few things to ensure your car's proper functioning and longevity. While external servicing and maintenance of your car are crucial, some particular factors ensure that your vehicle is up and running.

The summer season brings in good weather. But the drastic temperature rise can harm your car. In this space, we will discuss tips for caring for your vehicle during the summer season to keep it in good condition.

1. Cooling your engine:
Engines getting heated due to high temperatures are one of the significant causes of car breakdowns in summers. You can cool off the engine by using cooling systems in your car as recommended by the manufacturer.

2. Coolant refill:
To keep your cooling system in excellent working condition, make sure to refill the coolant according to the overflow status. According to most manufacturers, the cooling liquid mixture usually contains a fifty-fifty water to coolant ratio.

3. Inspect your car:
Some parts of your car are susceptible to heat damage and may deteriorate in high temperatures. Examine your vehicle, and replace any wear and tear or other damages as soon as possible. Also, keep an eye on the coolant leakages due to fuel expansion in summers.

4. Tyres:
Take a close look at your tyres. If they appear to be more inflated than required, get them checked. It's necessary to regularly monitor the air pressure levels in your tyres during the summers.
Failing to do so might risk a tyre blowout which can be a considerable safety risk, especially if you're on the road, examine your car tyres for signs of wear and tear and replace them if you find any damages.

5. Corrosion:
Once your vehicle reaches a specific limit, it is recommended to check your ignition system. The electrodes might corrode or wear out, so replacing the spark plugs is the solution to combat any ignition issues.

6. Air conditioning:
Examine the air conditioning of your car, especially in the summer season. Any defects leading to the disruption of the air conditioner can cause massive discomfort during your travels in such rising temperatures. Also, ensure that you inspect the compressor clutch while checking the air conditioning system.

7. Wipers:
The wipers of your car play an integral role while you're driving. They clear the windshield, making it easier to see while you drive. Replacing the wipers for the summer season with new ones would prepare you for the storms or rainy downpours midseason.

These were a few expert car care tips you will need to take care of your vehicle during the summer season. Apart from these tips, consider protecting your car against unprecedented circumstances. Emergencies like road accidents or damages to different parts of your vehicle can lead to heavy monetary expenses. To avoid paying a massive sum of money in such unforeseeable situations, you can explore various options and purchase car insurance online in India.

Click HERE to know more about how you can get car insurance online 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.

First-aid tips and techniques have been a part of our educational curriculum since junior school. We all have learned the first-hand treatments one must do when there is a manageable injury or burn on our or someone else’s body. However, with time and as the level of injuries and diseases evolved, our knowledge about first aid falls short in terms of adequacy in the healing process.

Moreover, burns can happen anytime, primarily if operating around heavy machinery, fire, or in the kitchen. And it requires a lot of time to heal with proper care, ointments and medications, and extra precautions.

But what are some of the best ways to take care of these burns? What items should you include in your first aid kit to help you or someone else? Are there different degrees of burns, and which type of burns can first aid easily?

In this space, we’ll clarify all your doubts regarding first aid for burns. Let’s get started.

1. Minor or major:
A burn usually indicates tissue damage when the skin comes in contact with high flames, boiling water, sunburn/radiation, chemicals with corrosive properties, etc. Before starting the burn treatment, it is advised that you determine the degree of the burn to alter your treatment accordingly and determine whether immediate medical attention is needed.
A major burn occurs when the diameter of the burnt area is more than three inches, resulting in brown, black, and white patches with a dry and leather-like texture of the skin. In case of a minor burn, blisters appear on the burnt area, usually less than three inches in diameter. You will experience pain and inflammation, which might cause redness and soreness on the burnt site.

2. What you should NOT do:
Before we tell you the first aid tips you should follow, you need to be aware of the contamination of the sensitive and burnt part of the skin. Avoid using home remedies like butter, ice, water, etc., and immediately do not take any medications or remedies without consultation.

3. Must know first aid tips:
Remove jewellery items like rings, bangles, etc., from the burnt area. Cooling off the burn is essential. You can gently use cold water on the burnt portion and wet compresses to help with the inflammation and lower the pain. If you see any blisters, do not remove or poke them, as they protect the area from infection. If you see a blister pop, gently clean it with a disinfectant solution and cover it with an antibiotic cream. To ensure that the affected area does not dry out, use skin-friendly and chemical-free moisturisers. Aloe vera is a good option in such cases. Use sterile gauze and tapes to bandage the burn, but ensure that you do not tighten the grip of the bandage. Keeping it loose will prevent excessive pressure and alleviate pain.
You can take any doctor-recommended painkillers if the pain gets unbearable and causes too much discomfort. Avoid heavy tasks involving the burnt area, and avoid using fluffy cotton as tiny threads of cotton might stick to the burn risking the chance of an infection.

We hope you found the blog helpful. You must take care of your body and be extra cautious about your health to lead an extraordinary life. But sometimes, your efforts might fall short in unfortunate circumstances. To alleviate the monetary stress of such times, you must purchase the best personal accident insurance India which will provide you and your family with a reliable layer of financial protection.

Click HERE to learn more about the benefits of buying the best personal accident 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.

Human resources are the greatest asset for any company. A good workforce can make or break a company. Companies often offer group personal accident insurance to protect their workforce from the loss of income from any kind of accident and related disability or death. The employees feel protected against financial uncertainties of work-related hazards with such insurance. It benefits employees working in heavy industries with dangerous machinery and surroundings.

Group personal accident insurance India is an effective way for employers to attract and retain talent. As an employee, it offers protection against the financial distress of disabilities and supplements your existing insurance covers. Let us know more about it.

1. Coverage:
Group personal accident insurance provides comprehensive coverage to an entire group against accidental disability and even death. Policies are customisable according to the number of people in the group and their specific needs. Hence, you can be reassured if your group is too large or small. Such policies provide discounts on a higher number of members in the group.
● Permanent total disability – Insurance companies will pay you the total sum insured in case of permanent total disability such as loss of leg, limb, eyesight, etc.
● Permanent partial disability –You are eligible to get up to 50% of the total sum insured in case of permanent partial disability, such as loss of one foot, loss of hearing, damage to eyesight, etc.
● Temporary total disability – You will get a certain percentage of the total sum insured in case of temporary total disability from an accident, depending upon your policy terms and conditions.
● Medical care – The policy will also cover your medical expenses, even if you are admitted for one day in a daycare treatment. Moreover, it will also cover your cost of OPD treatment, physiotherapy sessions, and ambulance transportation.
● Education – Some policies also come with an education add-on cover. The insurance company will take care of the education expenses of up to two dependent children in case of the insured person's death.

2. Need and importance:
Several industries require their employees to work on heavy machinery and risky surroundings, including the iron and steel industry, automobiles, pharmaceuticals, etc. A work-related accident can cause temporary or permanent disability, causing a financial crisis and a lot of trouble for the employees and their families.
So, if you are an industry employee, group personal accident insurance India covers you against such unfortunate accidents. It takes care of the hefty hospital bills for your treatment up to the limit of the policy amount. It also provides financial assistance to the nominee in case of the policy holder's demise.
Therefore, such a policy will give you peace of mind and protect you against the monetary distress of disability or death, allowing you to work stress-free with greater efficiency. It also helps build trust with your employer and strengthens professional ties for a long time.

3. Exclusions:
Group personal accident insurance India does not cover pre-existing diseases when purchasing the policy, self-inflicted injuries such as a suicide attempt, mental disorders, non-accidental medical treatments, hospitalisation due to substance abuse, criminal activities, or war. Ensure to read the terms and conditions of the policy to know more about the details. You may contact your employer or the insurance company if you've any queries regarding your coverage.

Group personal accident insurance India offers coverage that regular health insurance policy does not provide and also compensates the nominee with a lump sum payment in the unfortunate event of disability or death due to an accident. This can be a great financial support to your dependent family members.

Choose the best personal accident insurance India to provide complete coverage, support, and protection during the time of need.

Click HERE to buy personal accident insurance India policy.

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.

Even if you've taken exceptional care of your skin throughout the years, it still ages. The youthful flush eventually disappears and the indications of ageing, such as brown spots, wrinkles, more frequent bruises, and dryness, start to be evident.

Your skin can convey your mood and show how healthy or unhealthy you are. As you age, taking care of your crucial outer self is important. For elders, here are some skincare suggestions.

Why does your skin alter as you age?
Skin changes brought on by ageing are typical and include a combination of the following:
● Allergies
● Weather
● Genetics
● Nutrition
● UV exposure
● Smoking is, among other things

The most harmful of these to the skin is continuous and direct exposure to the sun. According to research, among the people having skin illnesses, nearly 80% had one or more skin conditions requiring treatment or medical attention.

If you're an older adult, here are a few best skin care tips for you to enjoy a youthful and glowing skin.

1. Frequently moisturise your skin:
Emollients and fatty acids are combined in the best moisturisers to resemble the skin's natural lipids. Choosing an occlusive moisturiser can help you to build a barrier that will trap moisture in your skin and reduce water loss.
TIP: Always rub face moisturiser in upward strokes, never down. Apply a high-quality moisturiser to the skin after a bath to lock in moisture.

2. Wash gently:
With limited natural oil production, mature skin is extremely dry. Cleanse gently to prevent further drying out. It's okay to wash once per day. Use gentle cleaners as opposed to harsh soaps and alcohol-based products.
TIP: When washing, use warm water rather than hot and limit the number of baths or showers you take. If you enjoy unwinding in the tub, stay away from bath oils because they make the tub slippery and increase the chance of falling.

3. Eat right for gorgeous skin:
The saying "you are what you eat" has never been more accurate if you want skin that glows. Our skin's health is significantly influenced by our diet, which should be balanced and high in nutrients, vitamins, antioxidants, and necessary minerals. Include berries, melons, avocados, walnuts, oily seafood like salmon, and green vegetables. These items are a part of a healthy diet that can support maintaining healthy skin as you age.

4. Do maintain a simple, consistent routine:
Dermatologists advise simplifying skincare regimens. Irritation can result from excessive scrubbing, exfoliating, and product use.
TIP: As a general rule, use sunscreen, a cleanser, and a moisturiser, as these are the only three items that will make a consistent visible difference.

5. Avoid the sun:
This is the most crucial thing you can do for your skin! Dermatologists advise you to shield yourself from the sun's damaging rays.
● To protect your face and any other exposed skin, use a broad-spectrum, water-resistant sunscreen with an SPF of 30 or higher.
● When spending time outdoors, look for cover because the sun's rays are most intense between 10 a.m. and 3 p.m.

6. Drink water to rehydrate:
Never undervalue the importance of water or the benefits that staying hydrated may have on your skin and general well-being. Drinking water can give you radiant and clear skin.

Inner beauty begins with the skin. No matter how much money you spend on anti-aging therapies, poor health can manifest in your skin's appearance. Keep up a healthy lifestyle, and pursue your passions. After all, ageing is a natural process that includes wrinkles, fine lines, and age spots. Be proud to wear them!

Enjoy your retirement life with wholesome meals, daily and different exercise groups, and regular health and wellness events. Also, invest in the best health insurance in India for parents to secure your finances from uncapped medical expenses due to ageing.

Click HERE to buy the best health insurance in India for parents.

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 engine is often considered a two-wheeler's most crucial component. However, an experienced motorcyclist would tell you that well-maintained tyres are equally essential for a safe and enjoyable bike ride.

The various squeaks, screeches, and rumbles can tell you about a tyre's health. Since your contact with the road is made via tyres, they have a crucial role in defining your riding experience. Taking optimum care of your bike's tyres ensures longevity and a smooth ride. Buy 2 wheeler insurance online and get your bike serviced regularly to maintain your bike's safety.

Do tyres always make noise?

You cannot completely eliminate noise from your tyres. The rubber will make noise as it rolls against any surface. Natural rubber friction against the road will be the source of most of the noise your tyres make. Also, air flow through the moving tyre treads further increases the noise.

On the road, the sounds made by various tyre brands and products vary slightly. The sounds your tyres generate have a language, but translating them takes practice.

Let's now understand different screeches and how to care for them.

1. Squealing tyres:
The possibility of tyre squealing exists, especially while making sharp turns. You can hear this frequently in parking lots. Your front tyres may be underinflated if they appear to be making this squealing noise. You should check their pressure even if the tyres don't appear underinflated.

2. Squeaking tyres:
You need to pay immediate attention if your tyre makes a squeaking noise. Compared to a screech, it's riskier. The front tyres typically exhibit uneven tread wear, which a screech can indicate. You may feel some pulling to the left or right. Go to the tyre shop right away to have your wheels balanced, aligned, and tyres checked.

3. Grinding tyres:
The time to be afraid has come if you hear your wheels grinding. The most likely reason is your brakes' failure due to worn drums or pads. Get your two-wheeler inspected right away, wherever you are.

4. Rumbling and vibrating tyres:
Your tyres may rattle and tremble on some road surfaces, particularly ribbed ones. A worn wheel bearing may be indicated by rumbling and vibration from your tyres, especially if the noise gets louder as you go faster. It is a significant cause for worry since the wheel bearing holds the wheel in place.
Whether you are turning swiftly or braking hard to halt quickly, screeching tyres are to be expected. Low tread depth may be the issue, which you can resolve by taking your 2-wheeler to a tyre shop.

Dealing with unidentifiable sounds:
Sometimes you instinctively know something isn't right after riding on a pair of tyres for a while. When you hear a noise, you might not be able to place it in a certain category or even identify it, but you get the impression that it doesn't sound right. This might even happen if you stumble over a pothole. Other reasons might be the low tyre pressure, the tread may have worn down, or your bike's wheel may have fallen out of alignment.

Remember to pay attention to tyre sounds. Take a conservative approach if you are unsure of what it signifies. Check the two-wheeler and the tyres. Safety is the utmost priority for any rider on the road. The easiest way to prevent mishaps is to pay attention to your bike, regularly get it serviced, and purchase 2 wheeler insurance online as a prudent safety cover.

Click HERE to buy 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.

Your body is a temple, and you must take care of it to ensure your physical, mental, and emotional well-being. However, certain conditions can take longer to cure, and their development or progression varies from person to person. One such condition is psoriasis.

If you are new to this term, let us explain psoriasis. It is a disease of the skin, which manifests itself by creating a rash with itchy and scaly spots and patches, usually on the elbows, knees, scalp, and trunk of your body. This inflammation in the skin caused by psoriasis is an autoimmune condition, and there is no single method to treat it. As every instance of psoriasis differs from the next, the treatment prescribed by dermatologists also differs.

This blog will shed more light on these treatments and the few home remedies to treat psoriasis.

1. Aloe vera to the rescue:
Aloe vera is believed to be very beneficial for managing your psoriasis and calming the inflammation of your skin. And the best part? It is readily available and hassle-free if you want to grow aloe vera in your home premises organically. If you are using aloe-vera infused creams, it is medically recommended that you use the ones with 0.5% aloe vera and apply it three times a day to treat the discolouration, rash, itching, and scales on your skin.

2. Warm water to cleanse:
Who doesn't like warm water baths? The soothing water at the right temperature falls on your skin, relaxing your body. But there is a disclaimer! You must strictly avoid "hot" water. It might not be helpful with the inflammation of the skin due to your psoriasis condition. Warm water is advised. You can add mineral oil, Epsom salt, or olive oil to help with the rashes and itchiness.
But you must be careful about specific things to avoid triggering or worsening your symptoms. Some instructions include: showering once a day, a maximum of fifteen-minute bath, using a soft, moisturising soap bar, patting dry, and applying a skin-friendly moisturiser post-shower.

3. The household's favourite – turmeric:
Every Indian household's favourite ingredient for cooking or home remedies is turmeric. There have been many studies on the usage of turmeric and its benefits which have suggested fruitful results in using this age-old home remedy in Indian culture. Turmeric has anti-inflammatory abilities, which help rid psoriasis.

4. Omega-3 is essential:
Omega-3 is an essential component that helps to strengthen your body's immunity, prevents heart diseases, reduces the chances of stroke, acts as protection against cancer, and much more. The omega-3 fatty acids are believed to lower the inflammation levels of the skin in your body.

Other ways to help you manage your psoriasis include keeping your stress levels in check by meditating, journaling, aromatherapy, anxiety management (therapy), etc. It is also advised to monitor your body weight and control it if necessary. Living with psoriasis compromises your immune system, which makes you prone to other health issues. Therefore, maintaining a moderate body weight is essential.

It's high time that we all understand the significance of our health, especially after the pandemic. While you try your best to stay in optimal health, you must be ready for any health crisis that might come without warning. Therefore, you must get online health insurance to avoid such unforeseeable situations. Explore your options and purchase the best online health insurance that caters to your needs.

Click HERE to learn more about 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.

Driving a car can be one of the most joyous and liberating feelings in the world. Cruising through the roads, being in control and manoeuvring your vehicle is sure to give you a sense of euphoria. While many of us master the art of driving effortlessly within a short period, others might take a considerable amount. The important thing to remember is that developing driving skills is a matter of experience.

In this article, we will discuss a few ways to develop your driving abilities and become a skilled driver.

1. Understanding how your car works:
An expert driver should be able to manoeuvre every car. But as a start, before you can take your vehicle out, understand its mechanisms and how it responds to adverse weather conditions. This will help you manage your car better if presented with any circumstance that you have had no prior experience with.

2. Configure the mirrors:
Mirrors should perform their intended functions. Knowing what mirror angle works best for you is crucial. Set your mirrors so that the sides of the chassis are not visible anymore. Upon setting up the mirrors the right way, you can reduce the blind spots significantly.

3. Turn signals:
Many people often neglect to use the indicators. However, it is vital to understand that the turn signals are not for you. They alert other people behind or around you about your next move. Warning others will help reduce accidents or crashes on the road.

4. Keep a margin:
This might seem futile when you are traversing through slow-moving and congested traffic. However, leaving a margin between your vehicle and the vehicle ahead is necessary when you are driving fast on an empty road. This helps avoid potential crashes in case of a sudden brake by the person ahead of you. A thumb rule to follow is the 10-second rule. Keep a checkpoint for reference and note the time the vehicle ahead of you passes this point. Ensure that your vehicle follows with a gap of 10 seconds.

5. Be responsible towards others:
When talking about good driving skills, one of the most neglected factors is the responsibility towards others. Being empathetic towards others on the road is the trademark of a good driver. Unnecessary honking, not adhering to speed limits, not warning the other drivers, etc., can lead to agitation and even accidents. Being calm during such situations can go a long way.

6. Practice night driving:
Traversing through night traffic can be challenging the first few times. Instead of taking your car at night during heavy traffic hours, start practising on relatively empty roads to get comfortable with the headlights from the opposite vehicles. Understand the rules of alerting fellow drivers during the night and stick to them.

These are a few ways in which you can improve your driving skills. Being confident and practising adds to your experience and makes you a better driver. As a beginner, handling a 3000-pound motor can seem daunting. Keep in mind that being intimidated is entirely normal. Start with open grounds and slowly make your way into heavy traffic roads.

Another thing to consider is that sometimes, accidents might happen due to the negligence of fellow drivers or some unexpected situations. To help you rest easy, consider buying motor and personal accident insurance. Personal accident insurance covers all the expenses you will face in case of an accident and compensates for your losses.

Click HERE to know more about personal accident 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.

While buying a car is hectic and time-consuming, learning how to drive a vehicle is a different ball game. We all know that Indian roads are chaotic, and sadly, the strict implementation of traffic rules is lacking. People are ignorant of the traffic rules. The high number of vehicles on the road makes it difficult for the traffic police to control the cars and catch the ones breaking the regulations, thus encouraging the environment of neglect. New learners find it challenging to navigate the roads under such conditions and risk a massive chance of landing in or creating an accident or collision with other vehicles, poles, and bumpers if they are not extremely vigilant.

Considering the above reasons, it is imperative for any potential learner or driver must pass a driving test with good scores or grades to show their understanding and make them eligible for driving on the road.

This driving test examines a candidate based on a written and practical test. Both these tests are focused on your knowledge of the traffic rules and road conditions, situational risks and solutions to avoid any accidents, and a practical display of your driving skills catering to the tasks given by your examiner. This driving test is extensive and essential, which is why many test takers get nervous before the test.

Are you someone who gets the pre-exam jitters that makes you anxious about the upcoming test and interview? Well, do not worry. This blog has the best tips to overcome your driving test nerves. Here are a few tips to get you started.

1. Confidence is key:
It would be best if you assured yourself that you are ready. You have studied well for the test and practised your driving skills enough times to be confident that you will pass your test with flying colours. You need to be satisfied that you will not be able to take this test until and unless your driving instructor thinks you are ready. So, if you are applying for this examination, you must avoid hyping up the test and magnifying its importance to make yourself anxious. This test will examine your skills in something you have done many times already.

2. Do not tell everyone:
Avoid telling everyone that you are about to take your driving test. Keeping it a secret will help you avoid the millions of tips and techniques people will say to you, and various negative reviews you might come across will make you more nervous and break your confidence. Losing confidence is not something you can risk. So, avoid revealing your test dates and take the pressure off.

3. Never skip your meals:
Skipping your food and having anxiety about your performance on the test is not a favourable combination. It might make you weak or cause a panic attack, which will eventually force your examiner to declare you unfit for the test, and you might have to reapply and go through the hassle again. Therefore, have a light meal, like some fruits, salad, or something which is fulfilling and energetic and does not make you drowsy.

Some other tips to overcome your driving test nerves include:

● Using the washroom before you go in for the test

● Washing your face lightly to wean off the pressure

● Chatting with your driving instructor to create a normal atmosphere

● Not consuming caffeine for a couple of days before the test

● Consider the actual test to be a mock examination

● Carry a jacket in case the exam hall gets cold

● Avoid too much revising on the day of the test

● Arrive at the test centre well in advance to give yourself some time to calm down and understand the procedure of the test

These are some of the best tips to overcome your driving test nerves. Follow them righteously, and you will pass the test with ease. And while we talk about driving tests, we should discuss the necessity of purchasing car insurance too. After getting your driving licence, car insurance is the next essential document you need to drive a car legally. Compare new car insurance rates and consider other factors before buying a policy.

Click HERE to learn more about comparing 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.

Hundreds of options are available for your bike insurance, both online and offline. You must have encountered tempting advertisements promising you the lowest premium with complete coverage for your bike. Also, we frequently receive calls from insurance companies or their agents with lucrative offers for buying our bike insurance from them.

But wait a moment. Are all these offers authentic? Will they provide you with complete protection, safety, and quick claim disbursal in the unfortunate event of your bike accident? You need to follow these steps if you have the slightest doubts and are concerned about the authenticity of your bike insurance.

1. Check with IRDAI:
The first step for checking the authenticity of your bike insurance is to check the website of IRDAI (Insurance Regulatory and Development Authority of India) and search for your insurance company. The insurance company will probably be a fraud if its name is not on the IRDAI website.

2. Go for a brand:
Always choose a bike insurance policy of a reputed company or brand. An insurance company that is well-known and reputed in the market is less likely to cheat and issue a policy with false claims and promises. Also, the chances of a fake policy from such companies are almost zero.
We often buy a bike insurance policy on the advice of an insurance agent or by getting influenced by some advertisement. You should first call the customer care of such companies and verify the policy details being sold to you. Also, you may visit the nearest branch of the company and verify the details there. Check whether the policy contains the same IDV (Insured Declared Value) and all the add-ons promised earlier to you. Buy the bike insurance policy only after you are certain about its genuineness.

3. Premium receipt and other details:
A genuine bike insurance policy will always issue a receipt for the premium paid by you. Also, the policy document will contain all the details, such as your name, policy tenure, terms and conditions of insurance coverage, etc.
To ensure the authenticity of your bike insurance, always insist on a hard copy of your premium receipt. Review your policy document thoroughly and ensure it contains all the required details.

4. Mode of premium payment:
A bike insurance company will give you several options to pay your bike insurance premium. You can pay it online through its website or issue a cheque in the insurance company's name and hand it over to the insurance company’s office or your insurance agent.
If your insurance company or agent is insisting only on cash payment or payment by cheque/bank transfer in the name of a person, it should be a red flag for you. The insurance company or the agent in between might not be genuine and authentic.

5. Verification link:
Insurance companies nowadays validate a bike insurance policy on their official portal at the time of issue. You can check the authenticity of your bike insurance policy by checking whether this link redirects you to the official website of the insurance company or not. This is especially important if you buy your policy from a 3rd party vendor.

The digitalisation of insurance services has contributed greatly to the progress and development of the insurance industry. However, fraudsters find new ways to dupe you while selling you a bike insurance policy. You need to be vigilant to protect your hard-earned money. Always verify the authenticity of your new bike insurance policy and its details before paying for it.

Bike insurance is compulsory under the law, and you must buy it from one source or another. Visit the nearest branch office of bike insurance companies, or go through their offerings in detail on their website. Call their customer care and confirm the details. Buy a good bike insurance policy that is genuine and does what it promises to do.

Click HERE to buy reliable bike insurance for your valuable two-wheeled asset.

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.

Every one of us has once had a dream of flying. As kids, we have looked at birds and planes and wished for the ability to fly. Today, we have various ways to live this dream. Different adventure sports like sky diving, hang gliding, and paragliding have created opportunities where people can enjoy a safe yet thrilling experience of being in the air.

India proudly displays unique landforms, making it one of the most enjoyable places for such activities. Paragliders have referred to paragliding as one the most unforgettable experiences of their lives. Being up in the air and away from the ground is sure to be one of the most humbling experiences of your life.

Today we will look at a few places in India that offer this experience.

1. Bir Billing, Himachal Pradesh:
Situated near Kangra Valley, Bir is a beautiful village in Himachal Pradesh. It has over 11 paragliding options, giving it the name of the 'Paragliding capital of India'. Bir promises you the spectacular views of lush green mountains and the beautiful sunsets that paint the sky in all shades of orange.

2. Panchgani, Maharashtra:
Panchgani is a small hill station in Maharashtra that offers training as well as flying for all paragliding enthusiasts. The landscapes of Bilar, Khinger, and Tapola are arguably one of the best locations for flying. The best time to visit Panchgani is between November and February.

3. Arambol, Goa:
Goa is famous for its beaches, food, and party life. But Arambol promises priceless views of the Arabian Sea and beautiful arrays of palm trees. Choose the evenings for your paragliding adventure to watch the sunset while you sail over the blue waters reflecting its golden shine.

4. Nandi Hills, Karnataka:
Situated close to Bangalore, Nandi is the perfect place for adrenaline junkies, as many tourists choose it for camping, trekking, and paragliding. People here are mostly seen enjoying paragliding in the day and camping at night.

5. Gangtok, Sikkim:
The land of magic, monasteries, and mountains, Gangtok is a must-visit for anyone who wants to combine adventure and spirituality on their trip. Paragliding in Gangtok promises you a bird's eye view of the unexplored places in Sikkim and a beautiful view of the mighty Kanchenjunga.

6. Shillong, Meghalaya:
The Scotland of the east, Shillong, has a wide variety of flora and fauna. Paragliding here is sure to be a cathartic experience. Shillong is a canvas of dense, lush forests and beautiful waterfalls. Visit during the summer months to ensure the magnificent view that this palace has to offer.

These are a few of the best places in India that offer you a safe and fun paragliding experience. Over the years, adventure sports have become more prevalent in India. While well-trained and licensed professionals are always there to guide you through the process, invest a fair amount of time researching the best paragliders in the area to ensure maximum safety. Add to this a personal accident insurance policy to help you evade any expense that you might incur in case of an accident.

Click HERE to know more about personal accident insurance policy.

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.

Purchasing a home is a long, chaotic and hectic process. In addition to the budget, multiple other things come into consideration when you plan to buy a house. With several financial and real estate scams happening around, it becomes challenging to be decisive about purchasing a house. Several apps, real estate agencies, and brokers claim to help you find your dream space.

But how would you know if you are being scammed under the name of getting the best deal worked out “especially for you” or if you are getting the best price for your house? Do not worry. This blog lists the best hacks for home buyers to make them aware of what they need to know beforehand and purchase their dream home at the best price.

1. Talk to your bank:
There is a certain urge to move into your dream place. But before you get the ball rolling on your shifting, make sure that you communicate with your bank about getting a pre-approved loan. The bank must be ready to grant you the loan at a certain set rate. In addition, getting pre-approved from the bank also acts as a symbol of trust and confirmation for the agents and house sellers on your house deal.

2. Dig a little deep:
When you are looking into properties that are available for sale, be it a new construction or an old one, always investigate thoroughly. You should seek information on the reasons why the property is on sale.
And if the agent or the seller is in a hurry to sell the house, more often than you might predict, it could be a potential red flag which should lead you to dig a little deeper and see if you are willing to purchase that particular house or property. Only make your offer after you have all the details.

3. Be smart about your offers:
While low-balling on the prices is practised in our culture, it might get risky if the market on your property or potential dream home is competitive. You might lose the opportunity to negotiate further on your offer. So, gather some information on the comparable bids, do little calculations and come up with the best price in your first shot at the proposal.

4. Keep an eye out for the inspection:
You must be very vigilant about the inspection results when the home inspector comes and checks out the place. If your deal has been finalised and accepted and your home inspector finds any issue which can cause discomfort in the future, you need to get in touch with the seller as soon as possible.
Have a polite discussion with the agent or the seller to bear the repair charges or negotiate the price again to bring it down a little, keeping in mind the damages (this would be a wiser decision).

Some other tips include offering a quicker final decision/closing, negotiating respectfully, discussing the amenities in detail, and making yourself ready to compromise a little. These tips will prove handy to you when you go out looking for your future home.

We hope the blog was helpful and gave you the information you wanted. While we are on the subject of buying homes, it is essential that you also look into the home insurance option in advance to avoid the hassle of piling things up for the end. Purchasing the best home insurance policy in India will help you protect your home and your family from unfortunate circumstances and avoid monetary stress during such times of distress.

Click HERE to learn more about how you can 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.

A significant issue prevailing in the minds of drivers and car commuters while driving on the roads is their safety. You should drive safely to avoid the chance of any mishap, as it is rightly said that precaution is better than cure. Wearing seat belts while driving is crucial to lessen the impact of accidents if ever you meet with one. Cars today have mandatory regulations and systems about wearing your seat belts. Many vehicles have alert signs and sounds that do not stop until the driver and the co-passenger have put on their seat belts.

Different types of people might sit in your car. Sometimes, kids might wipe their hands or gnaw on the seat belts, getting them dirty. The dirt and dust might affect the material, and they could begin to smell or have developing infectious germs.

Do you want to clean your seatbelts but find it complex and confusing to figure out how and what ingredients to use? Don't worry. This blog discusses some of the best tips to clean your car's seat belts.

1. Separate the parts:
To clean the seat belts properly, calmly separate the parts without damaging them. You can remove the buckles and other buttons using a screwdriver. Separating the components makes it easier to access the stains or dirty areas and work to make them clean.

2. Pull:
It would be best to pull out the seat belt entirely until it becomes stiff and cannot be pulled anymore. This will ensure a thorough inspection and cleaning.

3. Clip it up:
You can use clamps or paper clips to ensure that the seat belt does not retract back. This helps in easier accessibility during the cleaning process. You can place the clamp near the reel (where the rest of the seatbelt part is stored).

4. Inspect for corrosion:
The steel portions of the seat belt can rust over time. You can use steel wool to polish the steel buckle of the seatbelt.

5. Identify the dirtiest spots:
Use a degreaser and spray it to identify the stains on the seatbelts. After identifying the spots, you can clean them softly, avoiding the risks of damaging the material of the belts.

6. Materials you should use:
Do not use sharp objects for a light dusting of the seatbelts. It may damage the materials causing the seat belts to wear out. Microfiber cloths are your best option for dusting or wiping the seat belts after a proper cleanup using water and detergent.

7. Recommended ingredients for thorough cleaning:
Make a water mixture with distilled vinegar and dish soap (liquid). Vinegar has antibacterial properties and eliminates foul odour. Dish soap cleans the stains and spots gently of the seat belt. The mixture prevents the possibility of bacteria and moulds.

8. Dry the belts:
Let the belt dry before letting it retract back into the reel. If the belt stays wet, it can cause fungus development on the material, leading to infection, bad smells, etc. Leave the car open and let the seat belts dry.

You can use a brush with tiny stiff bristles to remove the stains and sweat spots that require deep cleaning for removal.

Along with cleaning the seat belts and maintaining other parts of your car, a wise option would be to be prepared for unprecedented circumstances. While you can control the cleaning and maintenance process, the possibilities of mishaps are not under anyone's control.

It is wise to stay monetarily stress-free by exploring your options and purchasing car insurance India. Car insurance is a wise investment that can guarantee you healthy returns during emergencies. Understand your requirements and accordingly browse and choose a plan offering the best benefits with a reasonable premium.

Click HERE to know more about how you can buy car 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.

When we say “water is life”, it is more a reality than a necessity. A day without running water in the pipelines of our house can be torturous, as we will not be able to take baths, use the washrooms or cook. This is where our home’s plumbing system plays a crucial role.

A plumbing system in any house is usually very complex. It is beneath the floors or hidden behind the walls. Hence, any fault associated with it cannot be repaired easily without damaging the walls or the floor. Therefore, it is vital to understand the plumbing network and how it works at home.

Main components:
The main components of the plumbing system are supply, drainage, and venting. These components help to separate the potable water from the wastewater. This ensures that we get fresh water for personal consumption while the wastewater is thrown away through the drainage system.

Modus operandi:
The water supply system in our home works with the help of water pressure. Good water pressure is essential for the free and uninterrupted flow of water in all taps and showers in our home. Pressure carries the water from the tank or source of supply to the kitchen, bathroom, or wherever we need it. The water supply system functions with the help of pipes, valves, faucets, and plumbing fittings.

The drainage system works by using gravitational force. The drainage pipes are downward sloping to direct the wastewater to the sewage line or the septic tank. This ensures that the wastewater does not flow back out of the drain and spoil your home.

Vents in the plumbing system are as important as the water supply and drainage systems. We can usually see these vents emerging from the roof of our house. They emit air into the drainage pipes, so the sewage gases do not mix in the drains. This air ensures that the traps in the drains do not open, and the entire plumbing system does not get contaminated and malfunction.

Hot water:
Getting hot water through your taps adds an extra step in the journey of the cold water. The cold water first flows to the electric geyser or natural gas water heater. If you plan to install the geyser in or near your bathroom, it involves laying off a few extra pipes through which cold water will reach the geyser, and hot water will flow back to the taps, faucets, or the kitchen.

However, if you plan to install a bigger water heater on your terrace, such as a solar-panel-enabled water heater, you must plan the plumbing system properly. It will involve a complex network of pipes that will take the cold water to the heating system and distribute it back into your home.

Supply shut-offs:
Nowadays, homes are equipped with individual supply shut-offs for freshwater in every bathroom, kitchen, or balconies and washing area. We need to simply shut off the respective valve where we are planning repair work. All individuals at home should also be aware of the main shut-off valve so that anyone can restrict the water supply to the entire house in case of any emergency or malfunction.

We only realise the importance of a good plumbing system at home when it malfunctions and needs repair. As we use this system hundreds of times daily, we must ensure it is top-quality.

Similarly, we need to ensure a good home insurance policy that takes care of our house and well-being by protecting it against damages arising from theft, fire, earthquakes, etc. We accept the importance of a home insurance policy only when the actual damage occurs. So why wait for such instances? Go for the best home insurance in India and keep your worries aside.

Click HERE to buy the best home insurance in India.

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

Failure of brakes can be a terrifying experience for drivers and have life-threatening consequences. According to statistics, a significant number of road accidents occur due to failed brakes. But how can you avoid such mishaps?

Apart from getting your car checked and serviced periodically, one way you can save it from landing in such grave situations is by being aware of the signs of brake failure.

This blog will discuss the possible reasons for brake failure in cars.

1. Brake cylinder:
A damaged or rusted brake cylinder is one of the leading causes of brake failure in cars. The brake cylinder's function is to compress the fluid. It consists of a fluid reservoir, which has a connected steel tube. There are higher chances of fluid leakage in the rusted pipe or the cylinder. This leakage can lead to brake failure.

2. Brake pad:
Brake fade is the term used for overheating of the brake pads. The overheating is caused due to excessive usage of the brake pads forcing them to become hard or fragile. Due to this, brake pads lessen their grip around the rotor or the disk, resulting in the car covering a certain distance before coming to a full halt when you press the brakes.

3. Overloading:
Overloading your vehicle can reduce the power of the brakes and potentially damage the braking system. You need to ensure that you follow the manufacturer's loading capacity to avoid the malfunction of the car's brakes.

4. Proper replacement:
Many people ignore the importance of changing the brake pads after some time. Brake pads can wear out due to excessive usage and lose their grip causing the brakes to fail. To avoid any risks, you must replace the brake pads and get the brake system thoroughly examined by a mechanic.

5. Moisture:
Moisture in the brake fluid can potentially damage the braking system. When the car runs, the liquid temperature rises, and the moisture (water droplets) becomes steam. The steam upon transmission can cause a brake system failure. Therefore, it is recommended to change your brake fluid after a certain period as instructed in the car manual.

6. Brake booster:
A brake booster magnifies the force you put on the pedal to push it. The failure of the brake booster can significantly lessen the maximum amount of power you need to slow down or halt your car.

7. Auto parts:
Using bad quality auto parts in your car is one of the worst decisions you can make. Their poor quality makes them unreliable and can lead to the failure of the brake system.

Other reasons which could lead to brake failure in cars could be damaged brake hoses, driving roughly through mud or water, issues with rotor disks, improper lubrication, etc.

Some other signs that indicate a brake failure:

• Issues with the brake pedal

• Dark brake fluid

• The braking system warning light is on

• The vehicle takes longer to halt

• Burning smell

• The car moves to one side when brakes are applied

• Grinding noises

That's a wrap on the discussion about some reasons for brake failure in cars. We all have understood the importance of keeping the vehicle in good condition. Unexpected brake failures can be a nightmare and lead to adverse consequences. It would be wise to undertake all the above possible reasons with severity and periodically examine your car's braking system.

Another way to safeguard your car against damages and accidents is by investing in car insurance. Review various plans and select the car insurance offering maximum coverage to your vehicle.

Click HERE to know more about best car insurance policy.

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 have saved money for a long time to be able to finally buy your dream car and bring it home. It is a special feeling to give whatever it takes to turn your dream into a reality. However, you should know the various aspects of car buying in India. Before you consider buying a car, you need to understand the difference between the ex-showroom price and the on-road price.

If you don't know what these two terms mean, this article will help you. You will be familiarised with everything that can determine your car's price and help you consider all these parameters before you invest money in a car.

*pro-tip
You should always buy new car insurance for your car to keep it secure and take care of the expenses against any unforeseen accidents.

What is the Ex-showroom price?

The ex-showroom price is a price tag posted on various vehicles like cars or bikes in the showroom. It does not include road taxes, RTO registration, insurance, etc.

To understand the price at the ex-showroom, you need to know that:

● The ex-showroom price is the price you see being advertised on television, the internet, and on the car manufacturer’s website and brochures.

● You need to pay the additional amount for road tax, the registration fee for RTO, and insurance before you own a car. If you do not, you can be charged with a variety of penalties or challans in India.

● The price displayed as the ex-showroom price includes GST, ex-factory cost, and profit margins.

What is the On-road price?

The on-road price of a vehicle refers to the total price you pay to start driving the vehicle on the road. Simply buying the vehicle from the showroom is not enough. You must pay for several other things if you legally want to drive your car in India.
Some important things to consider under the on-road price are:

● It includes a variety of prices like ex-showroom price, registration fee, road tax, and insurance policy, among others.

● If you need any new accessories, they will also be added to your final bill with applicable taxes.

Difference between On-Road and Ex-Showroom price:

1. The ex-showroom price is the price tag excluding other factors like tax, insurance, and registration fee. The on-road price uses all the additional charges: life insurance policy, road tax, registration fee of RTO, and so on.

2. The ex-showroom price does not justify the final price of your car. You need to pay a lot of additional costs. On the other hand, the on-road price is the final price of a vehicle. You need not pay additional costs.

This gives you enough insight into how the car is priced at the showrooms. The price you see on the internet is clickbait to lure you into buying the car. You should be fully aware of the on-road price of a car before you buy it. This will help you analyse your budget better and prevent you from going overboard with your decision. You should also buy new car insurance that gives the best insurance coverage against any mishaps.

Click HERE to buy new car insurance to safeguard your valuable asset.

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 an automobile is one of the most rewarding things in life. Going on long road trips, midnight drives, or simply commuting between your office and home, having your own vehicle is sure to make you happy. But like everything, this also comes with its set of challenges. Zeroing down on the best car insurance company in India, and choosing the right auto repair service are just a few of the many things that need your attention.

Selecting an auto repair shop is not only about the care that your car gets but also about the rates, reviews, customer service, and overall experience. It is a good idea to look for options even before your automobile faces any issue so that you already know where to go. Let's look at a few ways to select a reliable auto repair shop.

1. Experience:
Your car's relationship is with the mechanic, not the company. Look at customer reviews online and get to know the mechanic who will be working on your vehicle. Having an experienced mechanic allows you to have peace of mind.

2. Company-specific service provider:
Repair shops that specialise in specific companies have more hands-on training with upgraded instruments and tools. So, it is best to go to a service provider who deals with the same company as you.

3. Online reviews:
Online reviews are a great way to understand the history of the company. More often than not, people tend to leave reviews of bad experiences they have had with the company. Keep in mind that not all companies have a 5-star rating. So going by the reviews and personal entries, you can make an informed decision about what kind of service you require.

4. Estimate pricing:
Solely depending on your car servicing agent might not be a good idea. Asking around in various service centres and mechanic shops, online rates, etc., can be an excellent way to estimate the money you might have to shell out during or after the process.

5. Warranties:
Ask your mechanic about warranties on different parts. This time frame varies from place to place. Having a good warranty period is crucial to ensure better car performance. A warranty ensures that you get a replacement free of cost.

6. Off-site services:
Sometimes, your car can break down during your journey. Under these circumstances, having your service provider's support will make it easier to avoid further damage. Before signing up for the services, talk to the staff and understand if they are willing to service your vehicle outside of the service centre. Having this added benefit goes a long way and ensures the credibility of your repair shop.

You need to keep these points in mind while choosing your repair shop. Having the right mechanic work on your car is a boon for you and your vehicle. Poor servicing can lead to poor performance and be costly in the longer run. To save yourself from the extra expenditure, it is an excellent option to first look for the best car insurance company in India. Car insurance can offer a bundle of exclusive benefits useful during unexpected mishaps.

Click HERE to know more about the best car 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.

A car has become more of a need than a luxury in recent times. It makes commuting and travelling highly convenient. People invest their time, effort and capital while purchasing a car to ensure it is to their liking while meeting their requirements. Many factors influence their purchase, like the model, budget, convenience, features, etc.

Taking care of your vehicle is crucial. You need to ensure that your car is regularly maintained, cleaned and goes for servicing periodically, as instructed. Always use authentic auto spare parts and follow all the service standards recommended by the manufacturer.

There are also chances that many exterior parts might get damaged due to extensive use of the vehicle. The wheels face maximum wear and tear due to constant friction. Practice these care tips to keep your car’s tyres and rims in good condition.

1. Pressure:
It is essential to check the air pressure of your car’s tyres, preferably before you start driving. Suppose the pressure is below the recommended limit, then there is a considerable danger of a blowout that might disbalance your car. This condition can wreak havoc on your driving and risk your safety. In addition to this, low pressure also reduces your vehicle’s efficiency, mileage and affects the life of the tyres.

2. Inspection:
You need to deeply examine your vehicle’s tyres for unusual wear and tears, cuts, punctures or other damages. Get the car checked by an expert for repair or replacement if needed. In case of a puncture, replace the tyre with a spare until you get to a service centre and have it inspected by a mechanic thoroughly. Call a professional if you’re stuck with a damaged tyre in the middle of a long-distance road trip.

3. Rotation:
Maintain a rotational routine of your car tyres to ensure an even balance of tread wear. Ensure proper examination of the tyres by a professional during the rotation procedure. They can help you determine early or late wearing down and find the reason to save you from any further risks.

4. Curbs:
Bumping into or driving close to the curbs can damage or bend the rims. Try practising parallel parking with cones or other items that will not scrape off your rims if you bump into them.

5. Properly clean up:
Use standard quality products and cloth materials to clean the rims of the wheels. You can risk corrosion of the metallic coats and cause damage to the alloys if you use acid-based cleaners. Use a gentle soap and water mixture and rub firmly to make the rims shine.

6. Alignment:
Misaligned wheels can lead them to wear out unevenly. This ultimately causes loss of control, reduces their strength, and amplifies fuel consumption, reducing efficiency. Get your alignment adjusted whenever you get your car inspected by a mechanic.

Other tips to keep tyres and rims in good condition include maintaining good driving practices, avoiding overloading your car, inspecting the tread depth, ensuring that the spare tyre is in perfect state, accurate wheel balance, etc.

We covered one crucial aspect about taking proper care of your car. But to avoid any severe damages and monetary stress due to unprecedented circumstances, it is wise to get your vehicle insured. Purchase car insurance that caters to your needs and safeguards your vehicle from damages and financial loss.

Click HERE to know more 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.

While YOLO (You Only Live Once) can be the mantra for many of us to enjoy and create beautiful memories, it is also important to remember that accidents come without warning. The slightest of injuries can make your life uncomfortable to an unimaginable extent. You can never be too cautious, and it does not harm to be careful and vigilant about the body against the potential dangers in the surroundings.

This blog is a complete guide on hamstring injuries and the best ways to get relief. If you are someone who has no information about hamstring injuries, their diagnosis, recommended treatments, symptoms, and causes, do not worry. Here we answer all your questions about hamstring injuries right from the meaning. So, without any further delay, let’s get started!

1. What is a hamstring injury:
Often, you might have noticed athletes and people who are into fitness and go to the gym regularly get their muscles pulled. A strain or a tear in the muscles or tendons in the backward portion of your thigh is described as a hamstring injury.
Athletes, gymnasts, and sportspeople who practice long jumps, high jumps, climbing, etc., are usually at risk of these hamstring injuries, which can make movement and daily chores and practice very difficult for them. In some cases, the severity of the damage and the induced pain can lead to getting disqualified from the competition or complete bed rest.

2. Let’s learn a little more about hamstring:
The hamstring joins the bone and the largest thigh muscle in your body and helps the leg bend and stretch easily. When you jump, climb a rope, jump, stretch, run or sprint, your hamstrings are used extensively.
The level of the injury is described by the extent of damage caused to the hamstring. A grade one injury involves a slight muscle pull, whereas a grade two injury indicates a partial muscle tear. The most severe grade three injury occurs when there is a complete muscle tear.

Note: if someone has suffered a hamstring injury, it makes them prone to it in the future if they do not take proper care.

3. How is the hamstring damaged:
The causes include overstretching, lack of rest combined with fatigue after a heavy workout session, a direct hit on your thigh, insufficient warm-up before athletic and sports activities or workouts, lack of a pre-conditioning program, and a history of hamstring injuries.

4. What are the symptoms:
You need to be aware of the symptoms of different grades of hamstring injuries (as discussed in the second point). If you have a grade one injury, you will experience sudden increasing pain in the backward portion of your thigh, leading to difficulty in movement. In this stage, your leg strength will remain unaffected.
If you have a grade two injury, you will experience some inflammation, redness, swelling, soreness, bruise patches, and a decrease in the strength of your leg. A grade three injury will worsen the pain, inflammation, swelling, bruise marks, and tenderness. A popping sensation occurs when you initially injure the hamstring.

5. Best ways to get relief:
The RICE method: rest, ice, compression, and elevation are essential to help you manage the injury and get relief from the pain and the soreness in your hamstring. Avoid excessive movement till the soreness goes away and the swelling goes down. Ice the area at fifteen-minute intervals for the next day or two.
A thigh sleeve (elastic, preferably) or a compression wrap is a wise choice to help support the area during the slightest movement. Subtle exercises like lifting your leg to a comfortable level while sitting on a chair or the edge of the bed help during the icing intervals. Crutches are advised if the movement is unbearably painful.

You must be careful and take the required measures to be watchful about your body. It is also wise to get personal accident insurance to avoid monetary stress in times of difficulty. You can explore all your options and purchase the best personal accident insurance online which suits your requirements.

Click HERE to learn more about buying personal accident 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.

Waking up with a sore throat can be worse than waking up from a nightmare. Every time you gulp your food or cough feels like sheer torture. On most days, the sore throat may vanish if you drink enough warm liquids, but sometimes it can take days to heal.

The pain and itch in the throat can be troublesome enough to distract you from your day’s routine and cause constant discomfort. There can be several causes for a sore throat like viral and bacterial infections, acid reflux, etc. While taking medicine for these illnesses is an effective way of getting rid of soreness, it may still take time to give you some comfort.

Antibiotics can take days to help, and if you have an important meeting to attend, you may be in for some trouble. Worry not; here are a few helpful natural remedies that can give you instant relief from a prolonged sore throat!

1. Saltwater gargles:
Gargling with salt mixed in warm water is one of the best and quickest remedies to relieve a sore throat. If an infection or inflammation causes your sore throat, warm salt water can help kill the bacteria present in the throat and reduce any inflammation.
Mix half a spoon of salt in a glass of warm water and gargle for at least 10 minutes. This will instantly kill any germs present, soothe irritation and calm swelling or inflammation.

2. Honey and Lemon:
Honey has antibacterial properties, which significantly reduces inflammation and soothes your throat. Lemon juice contains vitamin C to boost your immunity, break down the mucus and help you fight your infection. Add one spoon of lemon juice and two spoons of honey to warm water or tea and sip on it as a soothing concoction to get pain relief in a matter of minutes.

3. Chamomile or herbal tea:
Our ancestors have used herbal teas for ages knowing their medicinal properties. Chamomile or herbal tea has antioxidant properties that instantly calm inflammation and kill germs. Drink a cup of hot chamomile tea to soothe your throat from itching. You can add ingredients like turmeric to the tea to boost your immune system.

4. Steam inhalation
Steam inhalation is the best way to relieve your blocked sinuses, kill germs present in your nasal and throat cavity and clear the throat. It also helps you expel all the phlegm that may be causing congestion or soreness in your throat. Boil a pot of water and inhale through your nose and mouth to instantly relieve your sinuses. Continue this for a good 15 minutes to calm your irritable throat.

5. Cough syrup and lozenges:
While doctors usually prescribe cough syrups to fight infections, you can also use them to soothe your throat. Cough syrups have soothing anti-inflammatory properties that act not only on the infection but also on the inflammation in the throat.

You can also chew on lozenges containing ingredients like gingers, honey, lemon and peppermint to produce enough saliva that prevents your throat from drying out. This ultimately soothes your sore throat.

While you can simply buy online health insurance and ensure a safe future for you and your family, dealing with constant health ailments can be vexing. These few quick home remedies can give you rapid relief from a common cold or sore throat to make your daily life simpler! Try practising mindful activities like yoga, meditation, and pranayam to keep your body in the best shape possible and promote a healthy lifestyle.

Click HERE to 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.

Cycling has seen an increased number of enthusiasts over the past couple of years. Fitness lovers found a new way to keep themselves fit by cycling to the public parks as an alternative to the gyms. Cycling is an activity that does not require a lot of skill and techniques. Still, if you want to learn more about cycling as a sport or wish to venture into various terrains on your bicycle, there are a few things that you should keep in mind to make the process easier and more enjoyable.

One of the most challenging parts of cycling is traversing uphill roads. It is both exhausting and time taking. But with the proper techniques, you can easily manoeuvre this route.

Today we will discuss a few ways to make your uphill journey on the bicycle easier.

1. Do not start fast:
Many riders make the mistake of starting fast, right at the bottom of the uphill journey. This can be the first mistake that you make while riding uphill. Depending on the ascend and the steepness of the slope, it is best to distribute your energy and utilise it on the last leg of the peak. The final portion of the rise requires the maximum energy as it is the steepest part of the ascend.

2. Alternate between sitting and standing position:
Alternating between these two positions can help you significantly in manoeuvring the climb. Cover the distance while being seated and as you reach the final climb, stand up to increase the energy and to acquire the desired push. Activate your muscles, lift your body, and apply pressure using your legs to pedal heavily.

3. Finding a rhythm:
For longer climbs, it is best to set a riding pattern. As mentioned above, switching between speeds, positions etc., can help you form a rhythm and help you focus your energy more on riding instead of ascending.
Find a rhythm that works for you. Gasping is a sign of wrong techniques and wasted energy. For more extended periods of time on the ascend, your breathing should be deep constant.

4. Set small milestones:
Conquering the peak in one go can be a daunting task. Instead of looking at it as a mammoth assignment, it is best to set smaller goals instead. While making the climb, take note of the small details on the road. Like a post box, garbage bin or a tree. Setting these small goals can be an incentive for you.
You can associate these goals with rewards, such as after you reach a goal, you can change your pace, try a new method or just stop for a bit. This way, the road becomes a journey and not a task.

5. Don’t fight the wind:
Fighting the wind is probably the worst thing a rider can do. Your overall speed and energy levels are massively affected by the wind and its direction. Fighting against the wind always means using up all your energy which you can use later for your ascend. Instead, go slow if the wind is against your riding direction.

Sparing sometime of your day for such physical activities can help you in the long run. However, excessive cycling can lead to injuries and a weaker immune system. Uphill riding is never an easy venture, and acing it requires fitness and determination.

In the process, you might even face injuries and mishaps. This is why it is essential to strike a balance. In case of an injury, doctors suggest various physiotherapy sessions and other medications. These treatments can burn a hole in your pocket; hence you should consider buying an individual personal accident insurance policy. Individual personal accident insurance policy safeguards you in case of accidents and injuries, and the cost incurred during your treatment.

So, keep your passion for cycling alive, and ride your way to fitness!

Click HERE to know more about individual personal accident insurance policy.

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.

Bringing home your newborn from the hospital is a wonderful yet challenging experience as a parent. The fear of the infant getting sick is a big worry. It takes time to understand typical infant behaviour and gauge abnormalities, which can be challenging.

Detecting initial signs of illness is crucial as it gets difficult for infants to fight off diseases that spread swiftly due to weak immune systems. Comparing family floater plans offered by online health insurance companies is an equally important step to consider to protect your baby.

Additionally, here are some symptoms of newborn illnesses to be aware of.

1. Consistent crying or irritability:
A baby can only communicate its needs by crying, be it hunger, tiredness, loneliness, a change of diaper, or discomfort. At first, you might not understand your baby's cries, but cancel out reasons to identify the cause. Consistent irritability and cries are signs of sickness.

2. Fever:
Bacterial and viral infections, including pneumonia, ear infections, stomach bugs, and urine infections, can cause a fever. Use a digital or mercury-free glass rectal thermometer to take your child's temperature. A temperature of up to 100 degrees is considered normal. For children younger than three months, a temperature of 100 degrees or more, and 101 degrees for children between 3 and 6 months is the threshold, after which you must immediately contact the doctor.

3. Apathy or laziness:
Being tired, dizzy, listless, or excessively sleepy without responding to sounds and sights or reduced appetite are gradual changes you may notice. Lethargy may be a symptom of an infection or other illnesses, like low blood sugar. If your infant shows fatigue or isn't as active as before, consult the doctor.

4. Little appetite:
Most babies eat every three to four hours after the first day, and they will typically express their hunger by sucking on their hands or fingers, screaming, or making yelling gestures with their hands or fingers. Contact your paediatrician if your infant refuses to eat and skips multiple feedings.

5. Vomiting and diarrhoea:
Intestinal, bacterial, or viral infections and obstructions can cause vomiting and diarrhoea. Regular examination of your baby's poop can help the doctor identify bacterial infections. The symptoms of viral infections generally go away after about a week without medication.

6. Inconsistent stools:
Your infant may lose excess fluids due to a fever, illness, or heat and have extremely dry stools. Once your baby begins eating solids, excessive consumption may cause constipation and the formation of firm stools due to difficulty in digestion.

7. Urination:
Typically, babies soil a minimum of four diapers daily. Excessive urination could be due to an infection or other urinary tract issues, such as distress while peeing. A pinkish stain on your baby's diaper indicates concentrated urine and is not worrisome—however, blood in its diaper or persisting discomfort requires a doctor's intervention.

Immediate steps of actions:

Caring for an infant is a significant responsibility that requires prior planning. We encourage to-be and new parents to compare infant insurance offered by online health insurance companies and prioritise their child's health.

Once you notice any symptoms persisting for long periods and deviations from typical behaviour, rush to the doctor. Ensure you follow the doctor's advice to nursing your child back to health. Additional preventive measures include:

● Introducing easy-to-digest foods

● Keeping a constant watch on your newborn

● Maintaining a clean environment

Dealing with kids is always a challenging task, especially when it comes to infants. Since they have weaker immune systems and cannot do things for themselves, it is the parent’s responsibility to make prior arrangements to provide the best possible environment for the infant to thrive in. You can start by including your infant in your family insurance plan after carefully considering the alternatives online health insurance companies offer.

Click HERE to buy insurance for infants from online health insurance companies.

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.

Cosmetics have become an integral part of our daily lifestyle. Facial makeup, perfumes, nail polishes, eye makeup, hair colours, etc., all enhance our physical attributes and appearances. The cosmetics market has developed various products for different cultures, skin tones, types, and seasons.

While these products may accentuate your physical features and give you a sense of confidence, they can be harmful in the long run. The high chemical contents present in cosmetics can be toxic to your skin. Often, the side effects of these chemical ingredients are not mentioned on the packaging.

The harsh chemicals in cosmetic products can affect the functioning of your skin's protective barrier, making it significantly easier for pathogens to enter your skin. Regular usage of makeup can hurt your skin's glow.

This article will discuss the long-term side effects of using cosmetics. You need to be aware of these consequences to be vigilant about the ingredients and the usage of cosmetic products.

1. Ageing:
One of the worst things you can do to your skin is to apply makeup without sunscreen. When you expose your skin to the sun, it damages your skin and leads to premature ageing signs like wrinkles, age spots, and fine lines. Also, make sure that you remove your makeup before calling it a night; otherwise, it can get into your pores and break the elastin, thus causing wrinkles.

2. Cancer:
Many cosmetic products like waterproof mascaras, foundations and long-lasting liquid lipsticks contain polyfluoroalkyl substances. These toxic chemicals are proven to cause cancer. When added, they change the properties of surfaces to make them resistant. PFAS are usually not mentioned on the packaging and labels of cosmetic products, making it difficult for consumers to detect their presence.

3. Allergy issues:
Cosmetic products are made with different ingredients. Some are formulated with mild components that don't affect your skin's health. However, products with strong and harsh elements like parabens and SLS-Sodium Laureth Sulfates can trigger your allergies, severely damaging your skin.

4. Acute risks:
Several cosmetic products have ingredients that pose the risk of burns and infections. Hair-straightening products (keratin treatments) contain formaldehyde. Frequent usage of such products can cause blisters, extreme hair fall, rashes, etc.

5. Behavioural issues:
Makeup products consist of eyeliners and lipsticks. Lead (heavy metal) is a component of these makeup essentials. If ingested in small amounts over time, it can have severe consequences like behaviour and cognitive problems, which can be concerning and can disturb your everyday lifestyle.

Now that we have discussed the long-term side effects of using cosmetics, it would be wise of you to consider safeguarding your health in case of unforeseeable circumstances.

Health emergencies bring in a lot of monetary pressure, causing additional stress. You can buy health insurance online to save yourself and your family from the financial load of unprecedented situations. Lastly, act wise, never overuse cosmetics, and use natural products free from harmful chemicals.

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