GENERAL INSURANCE BLOG

Not only buying insurance online but renewing it online as well is also possible and is very important at the same time. You can renew two-wheeler insurance online and the whole process is hassle-free along with being very less time-consuming. Renewing your insurance online will help you in continuing the coverage and benefits you receive under your current bike insurance policy.

Some of the benefits that you get when buying two-wheeler insurance are: -

● The insurance will save you from heavy expenses that occur due to natural disasters like fire, earthquake, landslide, flood, storm etc.

● The policy will also protect you from theft, burglary or accidents that are caused by humans.

● Third-party insurance which is mandatory as per the Motor Vehicle Act ensures the owner that the insured vehicle is free from any third-party liability that may arise if the insured vehicle is involved in an accident.

● Insurance Cover in Foreign Land will make the insurance company liable to pay for damages that occur to the insured vehicle outside the Indian territory as well.

● Having your vehicle insured will also save you from any penalties that you may face if you do not have two-wheeler insurance that is mandatory by law.

Once you buy insurance for your bike or any other two-wheelers, it is necessary to keep a check on when the insurance expires. It is always good to get your insurance renewed before it expires so that you may not face any difficulties in case you are travelling.

Benefits of renewing two-wheeler insurance online.

You can go to the office of the insurance company from where you purchase your insurance from, or there is a much simpler and better method to get your insurance renewed. Insurance policies are renewed online as well and there are many benefits of renewing your two-wheeler insurance online. some of them are: -

● NCB or No Claim Bonus is another benefit that the insurers are entitled to if they go throughout the year without any claim for the year. The benefit of NCB is available in various percentages, and even if you switch your insurance provider, you get an outstanding benefit which is that you can get your NCB transferred to the other insurer.

● Renewing your insurance is not only money-saving due to a lot of deals present online but also time-saving because you do not have to go through an exhaustive process of researching where to get your insurance renewed.

● Setting up an online insurance renewal system for your two-wheeler will save your efforts in future because next time you won’t even have to step out of your office or home to get the insurance renewed for your bike or any other two-wheeler.

● Along with all these benefits, you also get timely reminders to get you insurance renewed through the portals, and you won’t miss the deadline to get your insurance renewed. You also get to receive reminders of different discounts or offers available with online insurance renewal plans.

Online insurance renewal for your two-wheelers simplifies much of your effort and you can carry out the complete procedure of renewing your insurance from home only. The transactions for the renewal process can be carried out through credit cards, debit cards, net banking which are very safe methods of payments and you can rest assured that your confidential information will not be misused in any manner.

Coronaviruses are a large group of RNA viruses. It comes under the sub-family Orthocoronavirinae. Coronavirus virions are spherical to pleomorphic enveloped particles. The envelope is studded with projecting glycoproteins and surrounds a core consisting of matrix protein enclosed within which is a single strand of positive-sense RNA (Mr 6 × 106) associated with nucleoprotein. The envelope glycoproteins are responsible for attachment to the host cell and also carry the main antigenic epitopes, particularly the epitopes recognized by neutralizing antibodies. OC43 also possesses a haemagglutinin. The size of coronaviruses ranges from 26 to 32 kilobases. Most human coronaviruses fall into one of two serotypes: OC43-like and 229E-like. Coronaviruses cause acute, mild upper respiratory infection(Common cold) to more severe diseases such as Middle East Respiratory Syndrome(MERS) and Severe Acute Respiratory Syndrome(SARS).

Discovery of coronaviruses

The very first discovery of the coronavirus took place in 1960, the name of this virus comes from the crown-like spikes that it has its surface. The word corona came from the Latin word "Crown." The early discovered was an infectious bronchitis virus which was found in chicken's respiratory tract and then later in 1963 two more cases were discovered from the nasal cavity of humans named As Human Corona Virus 229E and Human Corona Virus OC43 as a result of zoonotic transmission (transmission of disease from animals to humans). Since then the cases have occurred in several other forms in minimal numbers. Many shreds of evidence in history state that corona has always spread from an animal to a human, for instance, SARS coronavirus (SARS-CoV) was transmitted from bat to a human being in china in November 2002 and caused severe acute respiratory syndrome(Infected-8,098 and Killed 774). That virus disappeared by 2004. Middle East respiratory syndrome(MERS) is caused by the MERS Coronavirus (MERS-CoV) which is also called camel flu was transmitted from camel to human in Saudi Arabia in September 2012(Infected-2,056 People and killed 862 people worldwide). But this time the scientist are having difficulty in identifying the animal responsible for COVID-19.

WHAT IS A NOVEL CORONAVIRUS(nCOVID-19)

Covid 19 means : CO = corona, VI= virus ,D= disease 2019.

A novel coronavirus (CoV) is a new strain of coronavirus that has not been previously identified in humans. Coronavirus disease 2019 (COVID-19) is defined as an illness caused by a novel coronavirus now called severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2; formerly called 2019-nCoV), which was first identified amid an outbreak of respiratory illness cases in Wuhan City, China in December 2019, which has a well-known seafood wholesale market, were a large number of people come to sell or buy live seafood; this market is also known for its wide variety of seafood. This strain of coronavirus was named COVID-19 on February 11 by the World Health Organization. Tedros Adhanom Ghebreyesus, the director of WHO, mentioned that they had to find a name that didn't point out any animal, geographical location, a person, or a group of people. The name should be easily pronounceable and had a clear relation to the disease. It's essential to have an impartial name so that other names don't get stigmatized. On January 30, 2020, the WHO declared the COVID-19 outbreak a global health emergency. On March 11, 2020, the WHO declared COVID-19 a global pandemic, its first such designation since declaring H1N1 influenza a pandemic in 2009.

How does infection happen?

COVID-19 appears to be spread via respiratory secretions when infected people cough or sneeze, similar to how influenza (flu) spreads. Currently, people at risk for COVID-19 include those who have been in close contact with infected people within 14 days before their symptoms began. The average time from when persons are exposed to signs of illness is about 5 days and can range from 2 to 14 days.

What are the symptoms of coronavirus?

People with COVID-19 have a fever, cough, muscle aches, headache, and diarrhoea, which are all symptoms similar to other viral infections, such as the flu. People who need hospitalization usually have severe pneumonia.

What are the prevention methods that we should follow?

1. Washing your hands with soap - every time you come from outside.

2. Social distancing of around 6 feet - so you do not get the infection.

3. Wearing a mask - this prevents the droplets from entering.

4. Living in a hotter environment - do not turn on your AC - the virus does not survive in hot conditions. Drink hot water/tea.

5. Cleaning and disinfecting the environment around you.

6. Take your medication for your illness - as COVID generally clings to your already existing illnesses and escalates it - this causes most deaths in diabetics, heart patients etc.

Insurance is proof of verifying your track record, living and financial status, assets, etc. And if you own a car, having car insurance in India is mandatory. The main reason is to fulfil the interests of your vehicle and how you can safeguard it in case of any accidents or damages. But while this is a consumer-oriented measure that provides financial protection against car damages, the motor insurance company takes stringent background checks before allowing the customer to proceed with the process.

Are you looking for answers as to why and how these insurers perform such checks on potential customers? This blog will answer all your queries and decode the details one by one.

• Insurance companies want to be aware of their customers, their identities, and mandatory details about them to serve their consumers in the best way possible. This also helps them improve their services, which is why they conduct background checks on their customers when required.

• Confirming the consumer’s identity is essential to ensure they are claiming their real identification. This will assure the insurance providers that they are not creating a profile and selling the car insurance to a fake name.

• We all see how scammers these days are getting ahead of the intelligence agencies and finding their way out to fraud people and steal their money, identities, etc. This is why background checks of consumers are essential to verify all their information through government-attested documents. Insurance companies have reported that they receive fake claims for third-party insurance and background checks provide a solution to this issue.

• One of the reasons for conducting background checks is to ensure that their policyholders’ identities have not been stolen through other means such as phone insurance, where the consumers have been scammed into revealing their identities to third parties, which eventually use the information to accomplish malicious tasks and activities.

• The insurance companies must abide by the “know your customer” and local and international anti-money laundering rules and regulations as per government standards. To follow these rules, they need factual information about no criminal activities and involvement, financial scams, money laundering, etc., associated with their customers.

• The background check also involves checking your credit score reports. A good score reflects that you have a good financial status and can repay your bills on time. This acts as proof of your spending habits, money-saving capabilities, etc.

• While issuing car insurance, your motor insurance company looks at your driving history and evaluate your driving record and its details. This assures them that you are a responsible driver and avoid any brazen or rash activities on the road. Such activities might endanger other people’s lives and vehicles on the road and put the road safety protocols at risk.

We hope these factors will help you understand car insurance and insurance companies’ protocols in a better way. Speaking of car insurance, have you considered getting online car insurance? Buying online is the smartest way of investing in insurance. Purchasing a policy from a reputed motor insurance company promises several benefits that protect your car against any damages and prevent you from venting your pockets.

Click HERE to know more about online 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.

If you don't drive often, you could believe you don't need the competence to change a tyre and may leave it to the mechanic. However, the "flat tyre" problem can happen to anyone at any moment, whether you're driving your car around the block or through highways. The process of changing a tyre is more straightforward than you may imagine. It is better to fix the flat tyre issue immediately before it results in an accident.

Also, remember another best practice to follow is to buy new car insurance. This will provide a considerable financial benefit if your vehicle meets with an accident and causes loss or damage to any third party's property.

Here are some of the most frequent problems encountered while changing a tyre are listed below.

1. Shifting while on an incline:
Get to level ground before pulling the jack out of the car and changing the tyre. If you try to replace the tyre while on a slope, the car can slide off the jack. Before you jack up the car and steady it, set the emergency brake. To prevent rolling, put wheel wedges in front or behind the tyres.

2. Lacking the required tools:
Most individuals don't examine the vehicle jack kit when they acquire a car and undermine the importance of a complete kit. Ensure you check the jack kit thoroughly before driving.

3. Having passengers in the car:
Consider the situation when you have to repair a flat tyre quickly, and you have located a suitable location to do it. Before the tyre-changing procedure begins, ensure all passengers, including pets, exit the car. This can help change the tyres easily as you remove obstructive weight from the vehicle.

4. Stuck alloy wheel rims:
Even seasoned drivers can get caught off guard by this one. Due to rust, alloy wheel rims that haven't been removed for a while may end up attached to the hub immediately behind where the tyre is located. You might need a hammer in the car, which you can use to hit the centre of the wheel covering the tyre. However, it is recommended to take the help of a professional mechanic.

5. Incorrect use of jacking points:
Every car has a few places on the underside that are intended to be used with a jack. Neglecting this part of a flat tyre replacement could cause damage to the automobile or cause it to fall off the jack. The owner's manual for your particular car model will include the proper jacking points. Always use those points to secure the jack.

6. Forgetting about your spare tyre:
Some vehicle owners heed it. An easy maintenance task is to check the spare tyre's condition every few months. If you need to put the spare tyre, do ensure that it is adequately filled and in good condition. If it's flat, weak, rotten, or fractured, it is of no help.

7. Impossible to unscrew wheel nuts or studs:
Even people with well-developed biceps may struggle with this. It might be relatively easy to manually free wheel nuts if they were excessively tight the last time you visited the workshop. Additionally, overtightening has the potential to harm threads permanently.

A flat tyre is a common occurrence that causes stress levels to soar. Take a deep breath and ensure you exit the road safely to prevent the risk of accidents. While there is no way to avoid a flat tyre, you can prepare for such situations by knowing basic car know-how. We also urge you to buy new car insurance since it covers the costs of an accident and financially protects your vehicle against the damages.

Click HERE to buy new 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.

The world only recently started reeling from the pandemic that took almost two years of our lives. Malls, cinema halls, and amusement parks have begun functioning at full capacity. This is the perfect time to meet people and renew old friendships.

If you're excited to plan a reunion with your college gang, peer groups, or family, then why not host a party at your home. This article is just for you if you want to host a simple yet fun party at your home.

1. Sort your guest list:

Creating the guest list is challenging. With limited seating inside your house, hosting a huge crowd becomes difficult. Prioritise the people that you want at the party. Try not to mix your personal and professional groups at the same party. Focus on choosing people who are capable of leaving their work behind.

2. Order food in:

Hosting a party can be stressful only if you decide to handle every aspect of the party. Everything can become overwhelming quickly. Ordering food is a smart way to eliminate the preparation time and effort that goes into making the food.
One thing you can do before the party is to ask the guests about their food allergies or preferences. Be creative with the starters. Most people fill up on the starters and barely try the main course. Opting for fun and unique starters is sure to set a benchmark.

3. Use paper cups and glasses:

It might not sound classy or elegant, but tons of fancy and quirky cutlery is available in the market. Opting for disposable plates and cutleries helps eliminate the whole washing and cleaning routine.
You can also rest assured that none of your bowls or plates is broken. Also, you allow yourself the time to focus on enjoying the party rather than killing the excitement under the stress of washing the utensils later.

4. Keep the bathroom clean:

We end up fussing about the decor, the cushions, the sofa, and that one corner behind the TV stand that nobody notices. But we often forget the essentials such as bathrooms and kitchen. A dirty bathroom or a kitchen is sure to leave a mark, and no matter how dolled up your living space is, a dirty bathroom will be the talk of the town.
Throw in a couple of extra towels and set up multiple tissue boxes around the house so that people have easy access. Use room fresheners and other fragrances to keep everything smelling fresh and fabulous.

5. Let others help you:

Being a good host essentially means letting everyone enjoy a party. If people offer to help you with food or decorations, accept it. This way, you are sharing the load and enjoying a mix of different ideas and options. This will help you tremendously at the last minute as you know that there are fewer things that you need to be worrying about.

6. Account for kids:

If you are hosting a party and the kids are also invited, then you might want to set up a room just for them. A few games, puzzles, or a TV running in the background can help keep the kids occupied. If possible, make a dining set up exclusively for the kids as it's not fair to expect them to hold the plates in their hands while eating.
Also, customise some of the food items for the little ones. Almost every kid loves food items such as pizza, nuggets and juices.

Follow the above tips, and you're all set to host the perfect house party. Making all the arrangements, decorating the house, and creating a positive ambiance before planning a party is fun.

We put so much thought into making our home the best place to live. Why not take some time to ensure its safety? After all, our home is our responsibility, and safeguarding it should be our priority. The best way to do this is house insurance. Magma HDI offers the best house insurance India with several benefits for the homeowners. Buy your house insurance today and be assured of comprehensive coverage against unexpected circumstances.

Click HERE to know more about house 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.

Road accidents can be dangerous, not just physically but mentally as well. The trauma of post-accident can be devastating and scare a person for life. Since an accident can involve a lot of gore, and even casualties, sensitive and weak-hearted people can take years to get over post-accident trauma.

Witnessing or even hearing of a road accident involving the loss of life or even injury to a close one is a disturbing experience. One can be too scared to drive again and may develop a phobia of sitting at the wheel. Vehophobia is the fear of driving that can take place after a road accident. It can significantly affect a person mentally and physically.

Knowing the effects on your life and vehicle, you should always buy motor insurance online to avoid problems later. While such measures are modern introductions, you can now seek help to overcome your fear of driving after an accident. You must take baby steps toward recovery and gradually return to the steering wheel.

This article will help you do that at the earliest with the following steps to overcome fears to drive again confidently.

1. Therapy:
Psychotherapy can help you a lot if you are dealing with accident trauma. Accident trauma can manifest itself as Post Traumatic Stress Disorder (PTSD). It can prevent you from driving again. Your therapist can help you get to the root of your problems. They will also use coping mechanisms to help you drive again. Cognitive Behavioural Therapy, or CBT, is the most effective tool to help with your recovery. It can help you move past your trauma and anxiety.

2. Be a passenger:
To help you get used to driving again, start as a passenger first. You must get in a vehicle first. It will help you adapt to the look and feel of a moving car again. Ask a trusted friend or family member to take you along for a ride. You can also play some music to keep the ambiance lively and help keep your mind away from negative emotions.

3. Don't drive solo:
Do not go solo as soon as you think you are ready to return to the wheel again. Start diligently from a quiet area with no traffic. You can start in a parking lot or open ground before getting ready for the road again. You should also ask a trusted friend to accompany you at all times. If anything goes wrong, they can take charge.

4. Employ a driving instructor:
A driving instructor can do wonders in a situation like this. They not only teach you to drive but also help you get over your fears. The instructors will help you take the much-needed baby steps in overcoming your fear of driving. They can also help you with defensive and more careful driving tactics. By this, you can avoid accidents in the future.

5. Be kind to yourself:
The whole process of recovery can be frustrating. You will feel like giving up many times, but you must fight the urge to do so. As recovery is a long process, you should be kind to yourself. Let yourself heal at your own pace.

You need to remember these things before returning to the road after an accident. Recovering from a road accident is difficult but not impossible. Give yourself ample time to heal and grow out of it. During this chaotic time, you can stay financially secure. Buy motor insurance online to protect your vehicle from unexpected expenses due to damages.

Click HERE to buy motor 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.

Over the last few years, we have seen an increasing number of people making various lifestyle changes. People are exploring different diet options like intermittent fasting, keto, veganism, low-fat diet, etc. Today we will look at the keto diet and its benefits and risks.

The ketogenic diet is an extremely low-carb diet with a high fat intake. It aids in faster weight loss and has thus, become a favourite in recent times. Keto drastically reduces carbohydrates and replaces them with fat. This dramatic reduction of carbs puts the body in a metabolic state known as ketosis. During ketosis, the body's tendency to burn fat for energy increases rapidly, promoting faster weight loss.

Now, let's look at the benefits of a ketogenic diet.

1. Reduced appetite:
Binge eating is a concerning habit that contributes to weight gain. Studies show that people who concentrate on protein and fat intake eat fewer calories than those who intake carbs. Low carb eating helps you with reducing food cravings.

2. Abdominal fat loss:
It's a piece of common knowledge that abdominal fat or more commonly known as tummy fat, is the most rigid kind of fat. Keto is effective in reducing abdominal fat and getting into a perfect shape.

3. Increased level of good cholesterol:
High-density lipoprotein is commonly known as "good" cholesterol. A keto diet improves HDL cholesterol. It further helps lower total cholesterol and bad cholesterol (LDL) levels. Lower cholesterol levels mean a reduced risk of heart attacks and improved immunity. These are just a few of the many benefits that keto provides. However, since Keto is instrumental in faster weight loss, it also comes with its own set of risks and disadvantages. Let's look at a few of those.

4. Muscle loss:
Protein is the key ingredient in gaining muscle. However, it is heavily dependent on carbohydrates for muscle development. Depriving your body of carbohydrates means that the protein is incapable of building the muscles. Which therefore results in significant muscle loss.

5. Kidney stress:
A high meat intake makes urine acidic, which increases calcium and uric acid levels. This is a potential cause of kidney stones and other health problems.

6. Dehydration and Discomfort:
Your brain is heavily dependent on glucose provided by carbohydrates for energy. In a ketogenic diet, the brain depends more on ketones. And the kidneys release electrolytes when insulin levels fall. These drastic changes in bodily functions can cause various symptoms such as constipation, nausea, headache, fatigue, etc.

These are some of the benefits and risks of following a keto diet. Although there are ways to research various kinds of diet trends. It is best to visit a dietician who can give you a detailed diet chart that is suitable for your lifestyle and body type.

Adapting to a new diet can come with various challenges and frequent visits to your dietician's office. While you are working on modifying your lifestyle, it is the wisest move to look up the best health insurance in India. By choosing the best health insurance in India, you safeguard yourself against unnecessary medical expenditure during medical emergencies.

Click HERE to know more about the best health 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 regular motorcycle rider is aware of the everyday challenges of engine overheating, the exhaust getting clogged due to high pollution levels, and the electric wiring cracks after consistent usage. Besides these technical maintenance issues, you may face several obstructions to a smooth riding experience. While you can buy two wheeler insurance online and get immediate assistance for major problems, fixing the more minor issues can be confusing.

One of the most typical issues that two-wheeler riders face is extreme condensation of their speedometer and tachometer. While the majority of today’s advanced vehicles are equipped with premium instruments sealed much better against humidity and moisture, several models still face this issue.

Why does condensation occur in motorcycle instruments?

If you reside in a coastal town or a location with high humidity levels, you must face condensation problems with your bike. While four-wheelers have air conditioning to control the heat and humidity levels, two-wheelers still face significant concerns with condensation. The instruments in the two-wheelers are highly exposed to humidity and other weather conditions like rain, hail, snow, etc. The bikes often overheat due to prolonged hours of travel which can quickly cause condensation as the moisture from the environment can settle on the loosely sealed speedometer or tachometer.
Additionally, careless maintenance like washing the motorcycle with a high-pressure washer can lead to water entering several parts of the vehicle causing numerous complications.

Why is condensation on motorcycle instruments harmful?

If the covering on the speedometer or tachometer is not sealed tight enough, moisture can seep in, which can cause a blurred view of the dials. This condensation can be highly risky when on the road, as your knowledge of the speed and other technicalities about the motorcycle get compromised. This can confuse any rider as they need to know the appropriate pace to ride at and maintain it through their journey. While this issue can often occur, there is no need to panic as it can be fixed using some simple remedies.

How to avoid or get rid of the condensation on the motorcycle instruments?

1. If you spray water with a high-pressure pipe or washer to clean your bike, steer clear of the front area of the motorcycle that consists of the instruments.
2. If you choose to use water around the instruments while cleaning your bike, tape the meters with plastic or use a damp cloth to wipe the areas. Immediately wipe the vehicle dry to avoid water seeping into the electric system or engine.
3. If you are riding the bike during the monsoon and are caught amidst a shower, keep a dry cloth to dry off the vehicle.
4. Try to wipe the cover of the meters with a rag soaked with a bit of 90% rubbing alcohol. This is not a fool-proof method but may work for specific bikes.
5. Use a hairdryer at a moderate temperature to dry out the water droplets. Use the hairdryer from a distance to avoid any overheating.
6. Avoid opening or drilling any parts of the instruments as they can get further damaged. Ask for technical assistance from a trusted mechanic.
7. Go for a long, breezy ride. This ensures that enough wind passes through the instruments to dry off the moisture automatically.

On a conclusive note, it’s important to remember that condensation on the vehicle’s instruments is expected, and it is difficult to avoid. However, you must ensure you fix it using these few methods and prevent having a blurred view of the meters. Also, don’t forget to invest in two wheeler insurance online to protect your bike from unforeseen circumstances.

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.