GENERAL INSURANCE BLOG

Imagine you park your car in the open and are left surprised when you find it crashed. Parking damage refers to the damage caused to your parked car by an unknown person. You should know what to do if someone hits your parked car.

This article tells you what to do when someone damages your parked car. Additionally, it is advisable to buy car insurance online to protect your vehicle from unexpected damage.

Who pays for parking damages?
If a known person with a liability car insurance policy hits your parked car, their insurance company will pay for your damage. But if a stranger or unknown person hits your car, your car insurance company will pay for the parked car damage.

What should you do when someone hits your parked car?
The first thing you should do is to remain calm and alert when you encounter a parked car damage and follow these tips, including:

1. Find the witness to the accident
If you don't see a driver damaging your car, you should look for witnesses to the accident. Try to find the people who were at the accident spot, and once you find them, ask them about the description or details of the vehicle that damaged your car.

2. Note the offender's details
If you see a vehicle that damages your car, write down its details on paper, such as its registration number, colour, model, etc., and store it safely. You'll have to produce all these details at the police station at the time of filing the FIR and insurance claim.

3. Look for a security camera
Generally, parking spaces and market areas have security cameras installed. You can check who slammed your car and use a copy of the footage to claim your car's damage coverage. However, if the parking space has no cameras, look for nearby residences and shops with security cameras.

4. Capture image proof of the accident spot and your damaged car
Take a picture or video of the accident spots and your damaged car, and procure it as evidence of the accident. Insurance companies will approve your claim based on image proofs.

5. Call the police and file an FIR
Report to the police about your parking car damage, as they can help you find the offender. Moreover, if someone gets injured in a parking car accident, calling the police and filing an FIR becomes mandatory.

6. Inform your car insurer about the accident
Once you follow all the above steps, you should notify your car insurance company about the accident. The company will help you cover your car damage by raising a claim.

What to avoid when someone hits your parked car?
Most people make common mistakes when encountering parking damage. Here are the mistakes you should avoid, including:

1. Chasing the offender
Avoid chasing the driver that hit your car before checking for car damages like leaks, brake failure, etc., or any injuries caused to the person inside the car. Check for injuries and seek medical attention if required.

2. Creating chaos
Most people lose their composure and cause chaos by blaming others around the accident spot. Instead, stay calm and capture pictures or videos of accident spots.

3. Sending car for repair
You should avoid sending the car for repair before filing an FIR and informing the insurance company.

Parked car damage is an upsetting accident, but you have to be patient before you take any steps to deal with it. It is better to wait for the person who hit your car to return and complete the accident report together. If not, follow the above tips to get compensation for the damages to your car from your insurer. Whether you have an expensive or leased car, you should get car insurance online to insure it against parking damage, injury to the driver, and theft.

Click HERE to buy car insurance online.

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

Natural calamities are very uncertain and the worst nightmare for everyone. In recent years, natural disasters such as earthquakes, floods, cyclones, hurricanes, etc., have been rising globally and scarring the economy and the people. Seeing the destruction and trauma, everyone wants to insure themselves and their assets for financial assistance and mitigations after such an unforeseen and miserable disaster.

While life insurance protects your life and offers financial aid to your loved ones when you are no longer around, general insurance is crucial to reducing the risk of natural disasters and other emergencies. You can insure your assets with general insurance and get assistance to prevent negative economic hardship after a calamity. General insurance can also speed recovery by offering post-disaster liquidity and funding after the disaster.

What role does general insurance play in disaster recovery?
It is a common misunderstanding that natural disasters are rare and one does not need to insure their assets. In recent years, the frequency of earthquakes has been increasing and impacting the whole economy. Home insurance can save you from unpredictable future losses if you live in an earthquake-prone area. The financial losses after natural calamities continue to rise, generating significant financial risk. However, if you have general insurance, it can significantly reduce the financial burden, and you can get a considerable amount to rebuild or recover the property damage.

General insurance safeguards your property and can help you to get immediate assistance from the insurance company to overcome your financial need. The insurance company will reimburse the damages and losses incurred during the disaster and protect you from undesirable situations. Moreover, general insurance not only covers earthquakes but it covers all-natural calamities such as floods, hail, fire, storm, lightning, and hurricane, which cause extensive damage to your home. Thus, it is a worthwhile investment that keeps you financially and mentally sound.

Coverage of general insurance under disaster
General insurance covers the costs of hazards due to unfortunate events for the insured assets. Two types of general insurance covers allow protection against natural disasters: the home insurance policy and motor insurance. Both types of insurance policies are for the protection of assets.

A reliable insurance policy offers recovery for various damages such as damaged electric wires or lines, structure damage, water pipeline damage, broken doors, walls, and physical damage to the vehicle. These insurances cover:

● Exterior damage of the property costs

● Interior damage of the property expenses

● Coverage for physical injuries that may occur during the event while on the damaged property

● Damage or loss of personal assets or belonging from a property

● Cover losses to the vehicle involved in a collision

● Cost for the non-collision physical damage to the vehicle if damages in windshields break, storm, etc.

General insurance policies may vary according to the coverage they offer depending on certain factors and also the coverage you choose. The coverage may differ according to the size, type, location, value, cost of belongings, and age of the property.

Natural disasters are terrifying and cause heavy losses to the affected individuals and their assets. However, a general insurance policy is the right choice to protect your property against such losses. You can easily buy general insurance online in a few minutes without going outside at an affordable price and exciting offers. Browse through different policies, shortlist your options, and after the comparison, you can come to a final decision.

Click HERE to buy general 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.

A good helmet is an essential motorcycle accessory for your safety. It protects your head from severe injuries in an accident and can be a lifesaver. The helmet cushioning makes your ride comfortable, especially on a long drive. Moreover, you can also use it to add to your style statement.

A good motorcycle helmet shield is a must feature in a helmet. You should maintain your motorcycle helmet shield to extend the helmet's life and ensure clear vision. Let us discuss how to maintain a motorcycle helmet shield.

1. Cleaning:
The first step to maintaining our motorcycle helmet shield is regularly cleaning it. A dirty shield can obstruct your vision and invite an accident. In most cases, regular glass cleaners can do the job for you. Spray some glass cleaner on the shield, and use a soft and clean cloth to rub the shield's surface. It will remove the dirt from the surface and make your shield spotless.

2. Films and sprays:
Films for helmet shields are easily available at any motorcycle accessories shop. You can customise it according to the size of your helmet shield. It will create a barrier between rain and your shield and help to drip it off quickly. Moreover, you can put a film of any colour of your choice and make your helmet look cool and fancy.
Similarly, several sprays available in the market can be used for the same purpose. Anti-fog sprays are also available, which you can use from the inside of your helmet shield. They do not allow condensation to build up during the cold weather and help in clear vision. Films and sprays also protect your helmet shield from scratches and damage.
Ensure you do not keep your helmet shield up while riding through dusty passages, as it will ruin the effect of anti-fog spray and hamper your vision.

3. Wax:
Buy a good quality wax that can be applied on a helmet shield. Rub it on the surface, and use a soft, clean cloth to add shine to your motorcycle helmet shield. Wax can be effective in adding shine to your helmet shield while protecting it from scratches as well.

4. Keep distance:
Keep some distance from the vehicle in front of you while riding your motorcycle, especially at high speeds. This will ensure you are not bombarded with small stones and dust from their tyres. It will keep your helmet shield safe and secure. It will not crack, nor will scratches appear on its surface.

5. Keep your helmet safe:
Always ensure that your helmet does not fall from wherever you keep it. This applies to both home and outside. Also, avoid keeping it on the seat, mirrors, or handlebar, even if you are away for a few minutes. A fall can break your helmet shield or add scratches to it. Install a helmet hook on your bike and use it to hold your helmet while you are away.

A clean and shining helmet shield is a must while riding a motorcycle. A dirty helmet shield is a big no-no. It can hamper your vision and can cause serious accidents. Moreover, it will spoil your style and looks. When we talk about riding safety, two-wheeler insurance protects you and your motorcycle against damages and accidents, similar to a motorcycle helmet shield. Compare hundreds of options, and buy the two wheeler insurance online that fits your needs and budget. It will provide you with complete protection and financial assistance if your motorcycle is stolen or damaged.

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.

Staying hydrated is crucial to maintaining good health, but how much water should you drink daily? People often ask this question to ensure they are doing everything to stay healthy and avoid costly medical expenses.

Here, we will explore the importance of hydration and how much water you should drink daily.

How much water should you drink each day?
The amount of water you should drink daily depends on several factors, including age, gender, weight, activity level, and climate. The Institute of Medicine (IOM) recommends that men drink about 3.7 liters (125 ounces) of water per day and women drink about 2.7 liters (91 ounces) of water per day. However, this recommendation includes water from all sources, including food and beverages, not just pure water.

A general rule of thumb is to drink at least eight glasses of water daily, but more is needed for everyone. If you are physically active or live in a hot climate, you may need to drink more water to stay properly hydrated. You may also need to drink more water if you are pregnant or breastfeeding.

Tips for staying hydrated
Staying hydrated doesn't just mean drinking water. It also means consuming foods that contain water, such as fruits and vegetables. Here are some tips for staying hydrated:

● Carry a water bottle with you wherever you go, and sip on it throughout the day

● Drink water before, during, and after exercise to replace fluids lost through sweat

● Eat water-rich foods, such as watermelon, cucumber, and tomatoes

● Avoid sugary drinks, which can actually dehydrate you

● Pay attention to your body's thirst cues; if you're thirsty, drink water

● If you don't like plain water, try adding lemon or cucumber slices for flavour

Importance of hydration for health insurance in India Staying hydrated is essential for good health. Water helps regulate body temperature, lubricate joints, protect organs and tissues, and transport nutrients. It also helps to flush toxins out of the body, which is important for maintaining healthy skin and preventing illness.

For people concerned about health insurance in India, staying hydrated is particularly important. India has a high rate of water-borne diseases, and dehydration can increase the risk of infection. In addition, many health insurance policies do not cover the hospitalisation cost for preventable illnesses, such as those caused by dehydration.

Hydration and health conditions
Staying properly hydrated is important for everyone, but it can be especially crucial for individuals with certain health conditions. Here are a few examples:

1. Kidney disease: People with kidney disease may need to limit their fluid intake to avoid overloading their kidneys. However, it's still important to consume enough fluids to stay hydrated. Sometimes, healthcare providers may recommend a specific daily fluid intake for individuals with kidney disease.

2. Diabetes: People with diabetes may be at higher risk of dehydration due to increased urination caused by high blood sugar levels. Monitoring blood sugar levels and staying properly hydrated can help manage diabetes symptoms and reduce the risk of complications.

3. Heart disease: Certain medications used to treat heart disease can increase urine output and lead to dehydration. It's important to stay hydrated if you're taking these medications, but you should also talk to your healthcare provider about any specific hydration needs.

4. Cancer: Some cancer treatments, such as chemotherapy, can cause dehydration as a side effect. Staying hydrated during cancer treatment can help manage side effects and improve overall well-being.

If you have a health condition affecting your hydration needs, talking to your healthcare provider about staying hydrated is important. They may be able to provide specific recommendations for fluid intake based on your individual needs.

Additionally, certain medications can affect hydration levels, so it's important to talk to your healthcare provider about any medications you're taking and how they may affect your hydration needs. They may recommend adjusting your fluid intake or taking other steps to maintain proper hydration levels.

Staying hydrated is crucial for good health, and drinking enough water daily can be magical. Additionally, for people concerned about their health insurance in India, staying hydrated can help prevent costly hospitalisations caused by dehydration. Following these simple tips, you can stay healthy, hydrated, and happy.

Click HERE to buy robust 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.

Wanderlust is an exciting feeling to cherish as it blooms the thought of mindful exploration of new places and experiences. Whether visiting with friends, family, or alone, safety matters most alongside enjoyment. And when we talk about safety while travelling, travel insurance is the first step you need to take. Travel insurance covers different areas and uncertainties to help protect you against any financial loss during the trip.

However, many people need to know this insurance and its pros & cons. This article presents you with a complete idea about the same.

What is travel insurance?
Travel insurance covers your belongings against theft or damage and any medical condition arising while travelling. Most travel insurance policies cover lost or stolen luggage, medical emergencies, and trip disruptions. The insurance also covers rental car damage and trip cancellation. When you opt to buy a travel insurance policy, there are different types that you can check. You can buy domestic travel insurance if you are travelling within the country.

Similarly, if you are travelling overseas, get international travel insurance. However, the policy amount varies as per the type of insurance you are purchasing.

Let’s look at some of the pros and cons of travel insurance.

Pros of buying travel insurance

1. It guarantees peace of mind
The main benefit of purchasing travel insurance is the sense of security it provides. Sometimes you worry about any circumstances during the journey and cancel the trip. Even in the worst-case scenario, having travel insurance guarantees peace of mind. With travel insurance, you can focus on making your trip memorable without worrying about the financial stress that might occur due to unavoidable circumstances arising during your trip.

2. Get compensation for lost luggage
In many cases, passengers travelling by air miss their luggage after landing at their destination. Moreover, travellers end up missing their important items during the trip. Missing and lost luggage can be chaotic and hamper your trip excitement. But, with the right travel insurance, you get coverage on phones, cameras, and other essential items. You need to mention all details while claiming the same.

3. Complete medical expense coverage
You cannot predict when you will fall ill or face health issues while travelling. However, because of the abrupt changes in climate, food, and time zone, there is a greater risk of contracting an illness when travelling. You should have a solid strategy to deal with medical issues when travelling overseas because healthcare can be expensive. Once again, travel insurance comes in handy for such a situation. It offers complete coverage for any medical costs incurred due to an illness or accident while travelling. However, it would help if you kept all the medical bills ready while claiming.

Cons of travel insurance

1. It is expensive
If you compare the price of travel insurance with other policies, you will find it relatively high. Also, many people avoid purchasing it since they never feel it is important and necessary.

2. High chance of getting rejected
Your travel insurance claim could be rejected for several reasons. Insurance companies try to bring down the compensation or deny the claim if they find that you don’t have valid or expected proofs and documents to produce. Even if you are claiming for minor injuries, it may get rejected. So, it is best to read all the policies carefully to avoid loss.

Having travel insurance by your side is a worthy investment if bought from the right insurer and by clearly understanding the policy features. If you are looking for travel insurance policies, carefully compare plans of different insurers and invest in the best one. Read the terms and conditions thoroughly and don’t hesitate to ask questions if you aren’t clear about any clause. For additional safety, investing in the best personal accident policy in India alongside a robust travel insurance will help you have a peaceful travelling experience. It’ll ensure you celebrate joyous moments with your loved ones and leave all the worries aside.

Click HERE to buy 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.

Electronics have become essential to our daily lives, and keeping them safe from fire outbreaks is critical. Numerous things, including broken cords, malfunctioning appliances, and overloaded outlets, can result in electrical fires. Home insurance can provide financial security if a fire breaks out and damages your electronics or other belongings. You can customise your coverage options based on your needs and budget using home insurance online platforms that let you compare multiple policies from various insurance companies.

A fire outbreak might threaten your life and result in significant property damage. Therefore, taking safety precautions to protect your electronics is crucial.

1. Avoid flammable materials
Combustible substances like paper, cloth, and other flammable materials can quickly catch fire and spread. So it's crucial to keep these things away from electronics. Keep your electronics away from draperies, beds, and upholstered furniture. Place your gadgets in a different room and keep them away from combustible objects.

2. Use high-quality extension cords
Use high-quality extension cords that are appropriate for your electronic devices whenever you use them to supply external power. Ensure the cables are in good condition and have the correct voltage and power. Utilising extension cords that are the proper size for your equipment is crucial. Overheating and increased fire danger might result from using too-small cables.

3. Try not to overload electrical outlets
Overloaded electrical outlets are one of the primary causes of electrical fires. If too many devices are plugged in, one outlet or power strip might become overheated and catch fire. Use a surge protector to prevent the overloading of electrical outlets to avoid this. Surge protectors are made to cover any excess voltage and safeguard your equipment from power surges.

4. Inspect and maintain electronics regularly
Regularly check your equipment for signs of wear and tear, like frayed cords or damaged outlets. Replace any outlets or cables that are broken as soon as possible. Cleaning the dust and debris off of your equipment regularly will also help prevent overheating. Internal harm can result from overheating, raising the possibility of a fire.

5. Install smoke detectors

Smoke detectors are essential for quickly spotting fires so you have time to respond and get help. Place smoke detectors in each room of your house, especially the ones that house your electronic devices. To ensure your smoke detectors are operating correctly, examining them frequently is necessary.

6. Unplug electronics when not in use
Always remember to unplug your electronics from the outlets while not in use. Electronics should always be cleared to avoid overheating, which could start a fire. Certain electronics, such as space heaters and irons, if used carelessly, can catch fire quickly.

7. Fires should never be left unattended
Ensure you're constantly watching anything involving a flame or a lot of heat, such as cooking, microwave, etc. Keeping an eye on these electronics will enable you to promptly identify any issues or deviations from the norm. As a result, you might take care of the issue quickly to ensure your family's safety.

Protecting your electronics from fire outbreaks at home is essential to prevent potential damages. Numerous things, including overloaded outlets, damaged cords, etc., can result in electrical fires. A fire outbreak might endanger lives and seriously harm property. Take the above precautions to protect yourself and your home from the adversities of fire due to electronics.

Purchasing home insurance online is an easy and effective approach to safeguard your house and possessions against unforeseen losses or damages. Reviewing the terms and conditions of your home insurance policy is essential before purchasing.

Click HERE to buy home 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 soon-to-be parents, a lot of significant changes seem to be right around the corner. Parents spend the months of the pregnancy expecting the baby and several lifestyle changes. While buying all the necessary items like baby clothes, diapers, and cribs is essential, making sure your home environment is safe for the baby is just as important.

First-time parents might look around their home and feel confused about what modifications to make to protect their baby. They might even question the need for it. However, as overwhelming as the responsibilities of a newborn can be, it is integral that parents appropriately baby-proof their homes.

Even though experts claim that your toddler will likely get a few bumps and bruises with every alteration you make to your home, parents still must childproof their home. Since knowing where to begin the process can be baffling, here are some simple tips to follow!

1. Be aware of heavy objects:
Children start crawling, walking, and running in no time. As they grow older, they will begin pulling and pushing things around. This is when heavy objects can become an issue. Whether it’s heavy showpieces or furniture, if the toddler pulls or tugs on them, they may cause an injury. So, make sure to keep the glassware or delicate pieces away and keep the heavy objects out of the baby’s reach.

2. Secure electric plug points:
Toddlers around the 15-17 months age range quickly become fascinated with sticking their fingers or other things in any place they might fit. Most of the time, they turn out to be electric sockets. Parents must be aware of this habit and how dangerous electric points can be.
Use tight-fitting electrical outlet covers to ensure that the baby cannot stick their tiny fingers or jam pens, pencils, or toys into the electric points. You must also confirm not to leave lamps or other appliances with their current on if they are within the baby’s reach.

3. Keep the dangerous home supplies out of reach:
Cleaning and other home supplies contain plenty of harmful chemicals in them. Once kids are allowed to consume food and liquids, they may start to put random items into their mouths.
Small objects are a choking hazard, and it is essential to keep them out of reach. House supplies like cleaning agents and liquids need to be stored at a height or locked in a cupboard so that the child does not have access to it.

4. Place door and window stoppers:
Appliances and furniture have doors that can easily open. Once the child can reach them, installing stoppers to these doors and windows is crucial to prevent them from hurting themselves. Suppose you’ve invested in reliable home insurance India plan; you can add these necessary babyproofing objects to your house.

5. Do away with the mats and tablecloths:
Children have a habit of running around the house. They may accidentally slip on mats and rugs placed in various corners of the home. Tablecloths that hang low are easily accessible to the kids who can pull on them along with all the items placed on them. This can not only hurt and injure them but also damage household items.

To conclude, these tips can give you an excellent start to babyproofing your house to protect your child. With all the wear and tear your home undergoes, babyproofing can be stress-free if you have the right home insurance to rely on. Your ideal home insurance can even cover you for unexpected losses or damages or provide compensation in case of mishaps like theft, fire, earthquake, and natural calamities, etc.

Click HERE to buy the best deals on home 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.

The majority of house buyers and sellers use the services of real estate brokers to make the process hassle-free. A real estate broker is a middleman who connects a buyer and a seller. An experienced broker can help you secure a good deal while keeping both parties' interests in mind. Unfortunately, the real estate sector in India is rife with misinformation and uncertified real estate agents.

As a result, finding the perfect broker is crucial in making informed decisions and avoiding costly mistakes. Finding the right real estate broker is as important as finding the best home insurance policy. Here is how to pick one.

1. Authenticity:
Reputation is a key component in the real estate sector. A reputable broker maintains relationships with developers, owners, and other real estate professionals. Question at least two clients about the agent's authenticity, knowledge, service quality, and, if possible, the pricing of homes they acquired through your agent. Preferably opt for a licensed broker who is a member of the National Association of Realtors (NAR).
Brokers must be RERA (Real Estate Regulatory Authority) registered in addition to being a part of a reputed organization. The state's RERA website posts all of the agent's info. You can look up these facts on the website using the registration ID of the real estate broker.

2. Understanding of the neighbourhood:
When looking for a real estate broker, the first thing you should look for is someone who knows the neighbourhood. Your broker should be well-versed in the local market conditions.
A good real estate broker is well suited to reveal the nitty-gritty of an area, the real estate inventory, and the prospects. It's also necessary to know current property trends. You'll be in good hands if you find a broker familiar with the local rules and regulations regarding property purchases.

3. Potential prospects:
Do not finalise a broker on the spur of the moment with a single offer. Investigate the market and speak with at least two or three agents. You can ask questions, learn about their experience and working style, and determine their areas of specialisation and professionalism by meeting and interviewing a few possible brokers.

4. Brokerage:
It's critical to negotiate your agent's fee upfront without ambiguity. In most Indian cities, the fee is usually 2% for transactions worth more than Rs 50 lakh and 1% for transactions below. Real estate brokers frequently skip the fee section and charge a high percentage after the contract is closed, leading to disagreements.

Buying a home is both a financial and emotional investment. Many homeowners will also agree that purchasing a home is a complicated job. The right real estate agent can make the process less stressful while ensuring that you get a decent deal.

After finding a great deal on the house, the sense of claiming it as your own is unquestionably a once-in-a-lifetime experience. It is suggested to purchase home insurance coverage to protect your new home from undesired circumstances and shield your personal space with a layer of financial protection.

To know more about home insurance, click HERE .

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

"The best view arrives after the hardest trek," and there is no denying that. The beautiful valleys, the breath of fresh air, the stunning views are just a few of the many rewards you get at the end of a trek. We have heard about the experiences of avid trekkers, and each of them, without fail, has mentioned that everyone should go trekking at least once in their lifetime.

Trends show that more and more people are leaning towards new outdoor experiences, and trekking is something they want to enjoy. While choosing a destination isn't challenging, zeroing in on the other aspects of your travel becomes essential. One crucial question is whether to travel solo or in groups. Today we will try to shed light on both of these to help you make an informed decision before your next trip.

Why travel solo?
People have often associated trekking with catharsis. They enjoy the peace, quiet, and sometimes the mini-adventures that come with it. Navigating through unknown roads, climbing treacherous terrains, cooking your food, and enjoying your solitude is what any travel enthusiast dreams of. This means that you are fully responsible for everything that happens during that trek, and the experience is unique to you.
Another vital aspect is that since you are the sole proprietor of your journey, every decision made and every skill used comes from your judgement. This is an incredible way of learning your strengths and making yourself confident for future solo trips. The added benefit of going solo is that you set your milestones.
You aren't worried about being left behind, you don't have to race to the top to ensure you get the ideal spot for your tent, and you don't have to depend on other people's time. Instead, you get to explore like a wanderer.

Why travel in a group?
Shared knowledge is the best knowledge. When you travel in a group, there is a chance you might meet skilled travellers. Travelling with them helps you gain better insights into immersive experiences, and more often than not, they have tips and tricks to help you in your journey to the top.
There is a zeal associated with travelling in groups, where people constantly support each other and share new stories. There is a powerful sense of euphoria when you stand together, looking at the beautiful view from the top with each other. In addition, there is a distribution of responsibilities, some help in pitching the tent, some help in lighting the fire, and others help with the cooking process.
Travelling in a group ensures the safety of everyone, and in case of injury, there is always someone to help you. And by the end of your expedition, you make many new friends with whom you share fond memories.

These are some of the benefits of travelling solo and in a group. Treks can be a wonderful experience if done right, and in a country like India, there are a plethora of options that you can explore. Some groups conduct annual treks. Signing up with one can be an excellent start to your trek experience.

Keep in mind that your safety is of utmost priority no matter how you travel. So carry a first aid kit, visit your doctor for a checkup, and don't forget to buy general insurance online to get exciting deals and protect yourself from landing into unnecessary trouble.

Click HERE to buy general 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.

Painting your house can be a great way to improve its appeal, increase its monetary value and overall make you love your place even more. The best part is that painting does not even cost you much if you use the right tips and tricks. However, before picking up the paintbrush, remember that it is not child's play.

The gratifying project of giving your house a new look with a fresh coat of paint can become taxing if you follow the wrong ways. To make sure your home stands out in the neighbourhood, you must take an informed and measured approach to painting.

Before you make your selection, here's something you should know.

1. Hire a professional or do it yourself:
Decide on whether you want to hire a professional painter or do everything yourself. Both have advantages and disadvantages. Professional painters will cost more, but they will do the job faster and with correct procedures that non-professionals may not.

2. Choosing the appropriate colours:
The colour selection might be time-consuming due to the importance of each family member's shared decisions and choices. To observe the impact and brightness of the colours, purchase paint samples and apply them to any two sides of the wall. Or check out the colour palette of different paint companies and then choose.

3. Deciding on the best time to paint:
If you want to paint the building's outside walls, you should do so during the summer months so that the paint does not take as long to dry. Otherwise, paint only in the late mornings and early evenings when the weather is warm enough for the paint to dry.

4. Calculating the cost of painting:
You'll need to calculate the entire painting cost, including the equipment, expert painters (if you're employing them), paints, primers, and other supporting materials.

Before you begin the painting process, keep the following recommendations and practices in mind:

• Examining the house:
The painting should begin with a thorough examination of the entire area. Before applying a paint coat, make a list of every crack, hole, and structure that has to be fixed.

• Figuring out how much paint you'll need:
It's much easier to calculate and estimate the amount of paint that needs to be purchased once you've taken down the measurements of the area that is to be painted. It is generally a good idea to buy more paint than you need.

• Getting rid of old paint:
You must remove the old paint if it has deteriorated and flakes have begun to appear on the unsightly walls. Use a paper scraper to remove the old paints. This will eliminate the blemishes from the walls and clean them by removing the undesired dust.

• Cleaning the residence:
Professionals usually do cleaning and remove everything from the house. Before painting, clean the house to prevent dust from adhering to the walls. Remember to use a cloth to cover any other areas and big furniture you will not be painting.

• Begin the painting:
After these preparations, the paramount step is to paint the wall. First, spray the paint on the wall using a sprayer and then roll it down with a roller. Many specialists recommend that you employ the back-rolling method.

The next step is to let the paint cure for at least 24 hours since it will take practically an entire day to completely dry.

Painting is just one more method to nurture your home and take good care of it. Another approach is to get a low-cost home insurance India plan. This will cover your property from various catastrophes and ensure longevity by adding value to your prised possession.

Click HERE to buy a reasonable home insurance India plan.

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

Cleaning our home is a regular task for all of us. It improves hygiene and promotes physical and mental well-being. Tidying the mess around you gives you clarity of thought and can be therapeutic. But sometimes, sorting the mess doesn't help, and a deep cleaning process is needed.

It might sound stressful, but no need to worry. This blog is a room-to-room manual for deep cleaning your home without getting tired during the process. We have broken it down into small doable tasks that are easy to follow.

But before we begin, go ahead and declutter the mess around you to make it convenient to move around freely while cleaning. Once you have sorted your scattered possessions, follow the subsequent points to proceed with room-wise deep cleaning.

1. Bedroom:
Remove the beddings and put the bedsheet and pillow covers into the laundry. An extra spin would help in drying them faster. Air dry your synthetic pillows. For heavy comforters, a laundry facility would be helpful. You can clean your mattress by sprinkling a little baking soda on it, letting it sit for an hour, and then using a vacuum cleaner to extract all the dirt. Next, declutter your closet by pulling out the clothes you won't wear and donating them. Finally, get all the blazers and the crease-prone garments on hangers to organise your closet.

2. Kitchen:
Start by wiping all the cabinets and external surfaces. You can use newspapers or mats to put on the shelves to avoid dust on the surfaces. Take all the things off your shelves and wipe them using suitable cleaners. Wipe the refrigerator inside out after emptying it. Follow the same process for the stove, dishwasher, and other appliances if possible. Wipe the countertops using cleaner liquids and let them dry.

3. Bathroom:
Some shower curtains have labels that mention if they're washable. Make sure to check yours before you wash it. Afterward, rehang to let it completely dry. You can also wash your plastic shower line or purchase a new one. To remove the water spots and soap scum, use heated distilled white vinegar for the doors and scrub with baking soda using a non-scratch pad. Finally, declutter your washroom cabinets, clean the surfaces, categorise the items, group, and arrange them. Do the same with your first aid and medicine cabinet.

4. Living room:
Use a vacuum cleaner to clean all the furniture. Remove the cushions for easier access to the deepest corners. Collect all your showpieces and photo frames from the shelves and wipe the surfaces with cleaners. Now take all the photo frames and clean them gently using a microfiber cloth. This will help you avoid scratches. You can use a thin dusting wand to clean beneath the surfaces of electronics. Go through all your CDs and DVDs and if they're not of use anymore, collect them to donate or sell.

Use these tips as your guide to deep clean your home without any hassle and stress. Also, ensure to safeguard your home and buy home insurance online. With the world going digital, you can explore your options and buy home insurance online in India with only a few clicks. Additionally, online insurances offer exciting benefits and deals to the policyholders to opt from and take advantage of.

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

One of the most expensive assets that an average earning Indian buys in his/her life is a house. A good part of our earnings is spent on buying and furnishing our dream home. Though we pay a lot of attention when purchasing and setting up our house, we often neglect to get it insured from the best home insurance company in India.

Due to a lack of awareness among buyers, many people don’t consider buying a home insurance policy to protect their homes against natural calamities. There is a misconception among insurance buyers that home insurance is costly. However, the fact is that home insurance against natural disasters in India is inexpensive. It is being offered by the best home insurance company in India at a price that doesn’t burn a hole in your pocket.

Why buy Home Insurance against natural calamities?

Despite knowing that home insurance against natural calamities is not as expensive as it is perceived, only 1% of people buy the insurance cover.

It is essential to buy home insurance against natural calamity because India is a disaster-prone country. Many regions are prone to experience earthquakes with severe intensity. Also, there are many areas, approximately 12% of India, which is likely to floods. The areas on the Indian coastline are prone to experiencing tsunamis.

The frequency of natural disasters in India has increased in the past few years. According to the World Bank’s estimate, approximately 600 districts in India are calamity-prone. This places a large number of people and their property at a higher risk.

It is thus essential for Indians to buy a home insurance policy against natural calamities from one of the best home insurance companies in India. Moreover, a home insurance policy covers not only the building of your home but also the components in it from damages.

Here is a detailed analysis of why you need to buy a home insurance policy.

It not only protects your home:

• A home insurance policy provides protection not only by covering your home but also the components within.
• You can easily opt for add-ons to protect various components of your house like furniture, valuables, electronics, etc.

Replacement of loss

• A home insurance plan not only provides financial safety but also provides for the replacement of the insured subjects.
• You can opt for replacement cost instead of depreciation value when buying a home insurance plan.
• The structure of the building and the various components are insured for their replacement cost.

Home Insurance is inexpensive

• Home insurance plans to protect your home against natural calamities are available at affordable premium costs.
• You can easily buy home insurance from the best home insurance company in India without pinching your pocket.

Protect yourself from lawsuits

• A comprehensive home insurance policy offers you the required peace of mind by protecting you from property-related lawsuits.
• Some insurance plans also cover the medical expenses of a guest who is injured on the premises of your residence.

It offers flexibility

• If you are willing to buy a home insurance plan to protect your property from natural calamities, you can choose between insuring the structure of your home or only it’s content. This offers flexibility in buying a home insurance plan.

Natural calamities cannot be controlled, but you can protect your home. If you still don’t have home insurance, buy one soon from the best home insurance company in India to protect your dream home.

Home is a name, a word, it is a strong one; stronger than magician ever spoke, or spirit ever answered to, in the strongest conjuration. –Charles Dickens

You’ve made the big decision to purchase a dream house: reality is finally sweeter than your dreams! Congratulations.

A house is a matter of pride and a big commitment for many many years. A house is probably one of the biggest investments you will ever make: a dream you would like to protect.

While there is little we can do against natural disasters, we can reduce some of the hardships by having home insurance, which protects against any damage to the house and valuables in it.

Home insurance is poorly sold in India; People are either not aware of home insurance or are reluctant to buy it. They don’t see the risk to their property—be it fire or an act of terrorism; and of course, it always happens to other people!

A lost life cannot be regained, but a lost house can be rebuilt and it doesn’t cost much.

Here is what our Truth lens tells us:

A good policy covers for financial loss arising out of various incidents such as fire, earthquake or burglary. It covers, not only for structural damage but also for all other assets and possessions you may have, right from a rug to a refrigerator.

Here are a few things to consider:

One, the Cover

At the basic level, a standard fire and special perils policy covers your structure and possessions from fire and other dangers such as earthquakes and storms. The second level of coverage protects against burglary or breakdown of mechanical and electrical appliances. The last one protects against minimal risks such as loss of rent, loss of important documents such as title deeds and passport, and provision for alternate accommodation.

Two, the Sum Insured

While the value of your house is based on three factors - land, cost of construction for the building and prevailing real estate prices – the insurance only covers for the building’s cost of construction. Most insurers will offer a standard rate per square foot multiplied by the carpet area of your house. The rate offered also considers depreciation. Therefore, it is important to go for a reinstatement cover. This covers for rebuilding your home from scratch, assuming the worst.

Three, Compliance

If you are living in an urban high-rise, your flat alone cannot be rebuilt in case a big calamity hits the locality. It is the housing society’s responsibility to insure the entire premise. Talk to the society management and figure the kind of insurance availed of and what supplementation you need. The insurer will not cover for poor or unauthorized construction and you don’t want to be left high and dry in the event something goes wrong. Taking 2 insurance policies for the same asset will not result in double benefits! [This is based on the principle of indemnity, and the more technical oriented amongst us can click here to read more about it]

Time period: Home insurance can be bought for a minimum of one year to a maximum of five years. Do remember to renew.

Fine print: Home insurance policies are worded differently. For example, structure insurance may only be for building and not land, or only jewelry kept in the locker may be covered.

Tenants: If you are living in a rented house, you can insure only the contents and not the structure as you don’t own it.

You have arrived at the airport and are excited about your holiday. But for some reason, your flight is delayed. Maddening! Right? You begin to feel irritated as all the thrill starts disappearing. You have no idea how to pass the time at the airport. Even the noise and chaos further grow your disappointment.

Fortunately, there are lots of activities you can do to occupy yourself while waiting for the airplane to take off. You will notice that an airport is a sizable facility with various entertainment options. Therefore, before you get to your destination, wait patiently, and tour the airport's many areas. Put yourself in "vacation mode" and leave the bustling world behind.

Here are a few things you can do in airports to pass the time as you wait for your flight.

1. Display your photography prowess:
If you enjoy taking pictures, the airport offers interesting opportunities to capture props, aircraft, artwork, and architectural structures. You can even take candid pictures and make portraits of the individuals nearby. Start by putting your hesitation aside and enjoy yourself as you take amazing images and start making beautiful memories right from the start of your trip. However, be cautious, as photography is prohibited at some locations at the airport.

2. Browse the kiosks or shop at duty-free:
The duty-free shops at the airport have some incredibly affordable offers. You name it: clothing, alcohol, and chocolates! Even though some stores are pricey, you may pass the time by browsing various goods if you have no other choice. It's an excellent strategy to stay active and finish any unfinished tasks.

3. Use the free Wi-Fi:
Suppose you are not interested in moving around. Still, we have a fix for you! Worldwide, free Wi-Fi is available in most airports. Your favourite web series is available for viewing after turning on your Wi-Fi. There are free things in life sometimes! But don't use a public Wi-Fi network to access your bank accounts or anything private.

4. Talk to others:
People from many places are seated together in an airport like a miniature world. Additionally, it's a great place to meet new people and mingle. Avoid just bursting into people. Talk to them and find out about their country and neighbourhood. You must always be open to making new friends on the go!

5. Observe:
Suppose you don't like engaging with others. You can just watch them; there won't be any interaction or information. The airport is the perfect place full of travellers from all parts of the world. If you are an artist, noticing things can help you write or copy articles.

6. Read a book:
The best way to enjoy your company and kill time at the airport is to pick your favourite book and engross yourself in reading. There can't be any better experience than involving a substance that entices and refreshes you by just turning pages.

7. Sleep off:
If none of the choices appeals, you may take a nap and rest for a while. Pick a seat in a corner or access the lounge if you can, turn on your favourite music, and set the alarm for a quick nap.

If you're stuck in an airport, we hope these solutions will be helpful. But be aware of the updated details of your flight and stay alert on the announcements. Also, check your luggage in case you are waiting for a long time. It is advised that you purchase travel insurance to protect your trip. The travel protection under the general insurance India policy covers unexpected events like a delayed flight, missing checked baggage, and more.

Suppose your general insurance India plan includes luggage insurance. In that case, your insurer may be able to reimburse you, up to the limit specified on the confirmation of coverage, for covered loss, theft, or damage to your baggage and personal belongings.

Click HERE to buy the best general insurance India plan to make your travel hassle-free.

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

In this hustling world, everyone wants to save the most valuable aspect of their life – time. Finding out time for household chores feels like an impossible task in the middle of your tight schedule.

But, many gadgets and appliances have made the way to clear the chaos and get things convenient for you. From the start of our day until we retire, we encounter several devices that work as our assistants and eliminate the worries of most household tasks.

Below you will learn some of these intelligent home appliances that make your life easier.

1. Speakers with AI and Bluetooth – technology reimagined:
Apart from listening to songs, we can use smart speakers to remind every major-minor event or daily tasks such as paying the bills, recharging your internet pack, weather forecasting, news, and what not. The exciting feature is that it also operates by voice recognition feature. You may even integrate your smart speakers with your other smart home devices to enjoy a fully customizable and command-driven home environment.

2. WIFI/portable routers – make smarter connections:
The Internet has become new oxygen for the globe. Constant evolution in the WIFI system like portable routers and mesh WIFI systems are trending and valuable for the smart home network that connects all your smart devices.

3. Smartwatches – the world around your wrist:
Smartwatches are a great invention that looks classy and way more productive than just showing time. Get all the notifications and regular updates without touching your mobile. Additionally, it's the best investment for health by keeping your active schedule with your walks, work-out, and counting calories burnt.

4. Innovative kitchen appliances – cooking made fun:
Smart refrigerators, dishwashers, microwaves can be paired with your smartphones through helpful apps and make the cooking experience more enjoyable than we could ever imagine. These appliances would do the task in minutes which you finish in hours with your bare hands.

5. Laundry appliances – happy clothes, happy wardrobe:
Fully automatic washing machines with timers, clothes dryers are the appliances that have become popular and essential in the last decade. They are an excellent example of time-saving and doing your laundry easier and faster.

6. Living room appliances – feel like the 'modern king':
It is where we tend to spend more time with our guests and visitors. You can easily interact and schedule the smart lights, automatic blinds, Smart TV and sound system and turn your living room more automated to your requirements.

7. Smart doorbell/locks – safety redefined:
Safety is the biggest concern for homeowners. Using an intelligent doorbell system, remote control of door locks, and security cameras will bring a good change in your life by making you feel secure. Also, the house insurance premium goes down when you add a layer of security to your home. This way, you guarantee yourself a peaceful sleep at night and the shield of double protection from unfortunate incidents like burglary for your home.

You can make your home a lot more automated by using these intelligent electronic appliances and gadgets. Imagine cooking in your microwaves from anywhere with your smartphone and receiving alerts when the food is ready.

The constant upgrades and new appliances make way to your home and give you the upper hand to manage the daily household work. Some of these items are expensive devices to install in your house. A suitable house insurance plan can provides you compensation for the damages caused due to fire, theft, or man-made hazards or any vandalism. Get house insurance for the financial security of your insured belongings and enjoy your life with the golden-age technology appliances.

Are you looking for a best home insurance in India for your new home? 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.

Technology is undoubtedly a key driver for the economic growth of a country. Fuelled by the revolution in internet connectivity, it has evolved over the years and made many advancements. As a result, it plays a significant role in improving people's lives in every field, including the transport industry. Truck drivers encounter multiple issues in their day-to-day life, but the latest introduction of technology in truck drivers' lives has made things smoother for them. In this post, we share how technology is making the life of truck drivers easy on the wheels.

1. ELDs – Electronic Logbook Devices:
Truck drivers are required to manually fill forms or papers to enter the number of hours they drive. To avoid this hassle, ELDs are attached to the engine, which automatically calculates the number of driving hours. Besides, ELDs also assist in helping the truck driver with fuel consumption by the truck. Another perk of these devices is that it monitors the driving route and thus helps the truck driver's safety. Furthermore, if truck drivers encounter accidents, ELDs play a crucial role in proving the evidence.

2. Load boards:
Load boards are another vital tool used to find new shippers who need to haul their loads. This is widely used by truck drivers, owners, freight brokers, and more. You can go to load board sites and enter all the necessary information, including types of loads you can haul, weight allowance, and currently available destinations. Once you fill up all this information, shippers can contact you.

3. GPS systems for truck drivers:
GPS units are a standard device that assists truck drivers to reach their destination quickly with the shortest route. It avoids unnecessary travelling for them and results in efficient delivery. In case of traffic jams and bad weather conditions, the drivers can avoid those routes and save fuel and time.

4. Best use of smartphones:
Smartphones are excellent technology examples that are helpful for truck drivers. Through smartphones, truck drivers can communicate seamlessly and share their exact locations. This is also crucial for knowing how long the truck driver will take to reach their destination. Additionally, you can use smartphones to check out the nearest gas stations, accommodations, and more. During the breaks, truck drivers can use their phones for entertainment, such as listening to their favourite music or watching shows and movies.

5. Hands-free communication:
Voice assistant devices and other hands-free communication devices serve great purposes for truck drivers. Using hands-free communication devices ensures their eyes are on the road while informing people about their route. Since we all are aware of the consequences of holding a phone while driving, truck drivers can use hands-free communication devices and stay in contact with the dispatcher. This is also essential when the driver is confused about the exact route and needs guidance.

It is no surprise that technology innovation is pushing the limits and changing how the transport business functions and improving life on highways. However, as the industry evolves and expands, it also requires safe cover for efficient operation through motor insurance. Good motor insurance addresses the worry of mishaps on the road and puts you away from unwanted risks. Thanks to the technology, you can have online motor insurance renewal even on the move from your smartphone. So, use the technology advancement to your advantage and remain ahead in the business!

To know more about motor insurance, click HERE .

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

As the world steers towards sustainable mobility solutions, electric vehicles (EVs) have emerged as a promising answer to the environmental concerns associated with traditional internal combustion engine vehicles. India, too, is making significant strides in the EV market, with the government's commitment to promote electric mobility.
India's ambition to electrify its transportation system is evident in its National Electric Mobility Mission Plan (NEMMP) and Faster Adoption and Manufacturing of Electric Vehicles (FAME) schemes. These initiatives aim to encourage EV adoption by offering incentives, tax breaks, and promoting charging infrastructure development.
As more consumers switch to EVs, the focus on battery technology and its maintenance becomes pivotal after all the battery is at the heart of this technology revolution. And with the growth in this market, there arises a need for a tailored insurance solution as well.
However, many motor insurance companies still do not provide any specialized coverage for EV and HEV batteries, resulting in a void in this fast-developing sector. However, forward-thinking insurance companies are recognizing the opportunity and starting to offer specialized coverage for batteries.
In response to this demand, Magma HDI General Insurance has taken a proactive step by introducing a product: "Battery Secure Add On" This specialized insurance offering is designed to address the unique requirements of electric and hybrid vehicles.
What sets "Battery Secure Add On" apart is its comprehensive coverage of critical EV/HEV components, with a primary focus on the battery. This coverage extends to repair and replacement costs arising from various scenarios. For instance,

• If the battery is damaged as a result of an unexpected power surge while charging or Experiences consequential harm from a short circuit or water ingress, "Battery Secure Add-on” has it covered.

• Moreover, " Battery Secure Add On" goes beyond battery coverage alone. It recognizes that electric vehicles encompass a range of specialized components that differ from traditional combustion-engine vehicles.

• This insurance product also safeguards other electric-specific elements, such as the electric motor, ensuring holistic protection for the entire EV system.

Click HERE to learn more about the product.

Yes, we understand your problems, and the struggle is real when it comes to cars that stop suddenly, giving no hints of starting.
It can be a real deal when your lovely ride stops in the middle of a road and deny your orders to start. Having a car that stops suddenly can lead you to grave danger, especially when you are outside and need to go somewhere.
Interestingly, as easy as it is for your car not to start, similarly, there might be a principal reason behind the same. Therefore, let’s have a look at four common reasons why your car is not starting.

● Your timing belt is the real problem:

For those of you who don’t know what a timing belt is, it is an essential part of the car that is responsible for its effective running and performance. Your timing belt inside the vehicle is the primary reason why it keeps running and adapts to speed. Yes, gears do play a significant role, but the timing belt is what ensures that the engine’s valves open and close at the proper interval.
Therefore, your timing belt can be one of the most common reasons why your car has become idle and fails to start. A significant reason behind the same can be that the valves inside the timing belt and the pistons are not meeting each other at a said interval, failing to give you efficient results and movement.
Moreover, your timing belt is the major part that you should look after whenever you go for servicing. Having a timing belt that fails to keep up with the systematic opening and closing of the valves can lead to harmful damage to the engine. It is always advisable for you to change your timing belt at a regular interval of every 60,000 miles or five years (whichever is earlier).

● Your alternator might be the cause:

An alternator is that essential part of your car that is responsible for the effective functioning of all the electrical pieces of equipment that function inside your car. Its most significant function is to start the spark plug and essentially provide it with the spark that is responsible for the running of your engine.
Besides the successful starting of your engine, a failed alternator can also be the cause behind the failure of other necessary parts of your car. It is also linked with the plugs that power the headlight and therefore, you need to keep a check on your alternator as well, in case your car fails to start.

● Your battery might be corroded:

It is no hidden fact that cars perform majorly due to the presence of a battery inside it. The battery is responsible for running all the electric-based components of your vehicle and also plays a significant role in igniting your engine.
Corrosion on your battery can be serious trouble for you as it is like rust and will ultimately end up waiting away your car’s battery beside the other significant parts that are developed out of iron. We suggest you always keep a check on the health of your battery and its corrosion, every time you take it to a service centre.

● Are you sure your air filter isn’t clogged?

Similar to the other necessary elements of your car, the air filter might also be the cause that is failing your vehicle to start. An air filter plays a significant role in keeping up with the excellent health of the drivetrain of the car. It filters out all the harmful elements like dust particles to keep up with the smooth functioning of your vehicle.
An air filter is essential for your car to your car 'breathe'. A clogged air filter might also pose serious damage to the blockage of the exhaust pipe, leaving your vehicle to fail from the start.

With the onset of the winter months, the mercury drops, and so does the efficiency of your car if you do not maintain it well. Considering, you have invested a lot of money in buying your car and have chosen the best company to buy private car insurance in India and what not? So why neglect it during the chilly time of the year?

Cars require year-round maintenance to provide a smooth driving experience to the owner. After all, who wouldn't want that, right? Therefore, the following guidelines are prepared to guide you on how to take care of your car during the winter season:

● Heaters - Although a major part of India does not witness extreme cold weather during the winters, occasional chilly winds and low temperatures can tempt people to use the heaters in their car. What would be better than getting a good amount of heat after being outside in the cold for too long? That's why keeping a check on the heating system inside the car is essential.

●Starting the car - There is a general belief that the engine takes longer to warm up in the winter due to the surrounding low temperatures. Up to a certain extent, this is true. That's why people leave their car engine running for a while before driving. But that does not help much. The engine warms up after you drive, so it is best to take it out at regular intervals. As a result, you can make sure that the fluids are moving around efficiently, and the condition of the car does not take a hit in the cold weather.

●Fuel tank - If you live in extremely cold areas like those in the North which tend to receive snowfall, you must always keep your fuel tank full. If petrol or diesel is filled enough, the accumulated water can be prevented from freezing inside the tank, thereby saving your car from potential fuel damage.

●Engine oil - Engine failure is a common problem during the cold months. For the enhanced performance of your car, check the manuals that came along with it and use the mentioned engine oil so that the chances of any mishaps decrease. Also, maintain a certain minimum limit of oil and ensure that oil does not reduce past that limit.

● Windshield wipers - Apart from engine oil, windscreen fluid is something you need to keep full. Due to fog or light snow, the visibility of the road ahead of your car decreases. If your windshield is not clear either, you will face a tough time driving. That is why we recommend maintaining the cleaning fluid as well as the proper working condition of the wipers.

●

Tyre checking - A lot of people might be unaware of this fact, but tires need to be changed with the weather. Especially in the northern parts where temperatures tend to drop to an extreme. Winter tires are built in such a way that they remain firm to the ground and maintain stability even in low temperatures. Even if there is no snow, these tires provide ease and smoothness in situations like applying brakes and taking a turn on the road. Also, ensuring the air pressure of the tires is a wise decision as driving around with less pressure can lead to premature wearing out and chances of accidents or collisions increase.

●

Servicing - If you have little or no knowledge of how to maintain your car during the winter, just contact the authorized service centres of the company or other trusted service providers that can take away your burden and ensure the good condition of your vehicle. This way you can attain a feeling of satisfaction that any problems existing already would be taken care of and further possible damage can be avoided. While a lot can be done, sometimes the breakdown of a car is inevitable. In such cases, availing private car insurance in India will help in keeping the expenses in control.

For today’s generation, long working hours, irregular sleep schedules, take-out meals, and an unhealthy lifestyle are becoming the new normal, impacting their everyday lives. An evident proof is an increased need for medical attention, which makes health insurance an obvious necessity.

With the 5G advancement of the mobile network, we trust the internet to provide us with faster and accurate information about everything, including health. Fortunately, so do the majority of health insurers. They rely upon the internet to offer a convenient, cost-effective, fast, and secure platform for their customers to buy online health insurance.

Why is online health insurance better? People still hesitate with the idea of online money transactions due to the possibility of fraud. But, this doubt holds no good if you are transacting on official websites of reputed insurance companies. Plus, the multitude of benefits that online policy portals bring is impressive. You get a better level of transparency than what any agent can provide you. You can also compare many websites for online health insurance before you finalise one.

The internet takes the whole idea of saving time to the next level. A few minutes spent online comparing different policies and their features is more convenient than visiting agents.

Health insurance companies are offering online buyers with exciting incentives to encourage more online health insurance purchases. As you buy directly with the insurance company, they save on intermediary costs and commissions to the agents. Therefore, online health insurance works out to be significantly lower.

Things to consider while buying an online health insurance. The most popular insurance isn’t necessarily the most appropriate one. The requirements and expectations of every person from their health insurance differ. To find the best plan for you and your family, consider the following factors:

• The number of members in your family that you want to insure

• Their age, diseases they suffer from, or if they frequently require medical attention

• The place you live, and the health factors associated with that place

• Your average medical expense

• The expected amount of cover

Note – The premium you pay is based on your current financial situation and family income.

How to buy health insurance online?

1. Visit the website of the desired insurance company.

2. Enter your requirements and the personal information of you and your family.

3. You will receive multiple quotes. Select the most suitable for you.

4. Enter your account details and make the payments of the required amount.

5. You will receive confirmation and the details of your policy via email.

6. Congratulations, you are now insured.

The best insurance agencies provide complete transparency so that customers make informed purchases. In addition, insurers strive to facilitate the best plans, give a shedload of options and a hassle-free experience by integrating the latest technology.

Often people make the mistake of buying the same policies as recommended by their friends and families. This may create financial stress on your family. Always have the right due diligence because your lack of knowledge might prevent you from enjoying all the features of the said policy.

With several promising technologies to enhance consumers' use and experience, take advantage of picking out perfect online health insurance for you and your family.

Know more about the Health Insurances available, click here…