GENERAL INSURANCE BLOG

On a limited budget, going organic and all-natural sounds unusual. Still, the truth is that eating organic is not only better for you, but it is also better for the environment. Let us know, how. Organic food is chemical-free, 100% natural and full of health. In addition, it is environment friendly as natural fertilizers like cow dung or manure and kitchen wastes are used for farming instead of pesticides.

Organic foods are popular among health-conscious consumers, although they might be more expensive than other foods farmed conventionally. Harvesting and managing organic crops is time-consuming for the farmers, thus making them more costly for the consumers. So how can you manage your health and budget wisely? It is certainly conceivable, even though it appears to be impossible. Here are a few ways to manage eating organic foods while on a budget.

1. Shop at budget-friendly stores: The first approach to save money on organic is to shop at the correct place. Stop by the local market on a weekday to see how cheaper local food may be than imported stuff. Deals are constantly available for you to take advantage of.

When you buy organic food at a farmers' market, you may expect fresh and less expensive organic produce than you would find in a supermarket. In this way, you even contribute to promoting the sincere efforts of the local farmers, and you assure maximum profit to the farmers by buying directly from them.

2. Cultivate your garden: You will save some money on vegetables if you grow your own organic produce. You don't even need to have a large garden to grow organic vegetables. You may grow your favourite vegetables in pots, which occupy very little space. Even better, you may choose a raised bed, which is ideal for packing many vegetables into a bit of space.

3. Purchase produce that is in season: Buying produce, even organic stuff, is usually less expensive when it is in season. This is owing to plentiful supply and the fact that it has not been shipped halfway around the world. Seasonal organic vegetables have the advantage of being less expensive, fresh, and more nutritious. If you're not sure when your favourite organic food is in season, check out one of the many seasonal produce guides available online.

4. Consider organic frozen food: Fresh vegetables are always healthier than frozen ones, regardless of the conditions. That isn't always the case, though, as frozen fruits and vegetables are just as healthy and nutritious as their fresh counterparts. Frozen food is collected and frozen at the peak of its season, ensuring that it preserves its nutritional content. On the other hand, fresh veggies lose some nutrients over time when they travel longer distances to retailers. Therefore, consider buying frozen organic food next time you are shopping.

5. Purchase in large quantities: Buying in bulk saves money because most things are less expensive than a single package. However, buying in bulk, even if you don't need it, will result in waste. It exacerbates the problem by removing money from your pockets you can spend on the food you genuinely require.

We hope you no longer have to compromise over the quality of your food simply because your budget is getting in the way of it. If healthy practices are managed efficiently, they can be pocket-friendly, focusing on sustainability and a nourished lifestyle. Healthy practices even include investing in health insurance. When buying health insurance, do not necessarily go by the conventional method; instead, you can buy ONLINE HEALTH INSURANCE conveniently from your smartphone or desktop.

Click HERE to explore our online health insurance services.

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 trips are the best part of any vacation, and if it is with family, then nothing can be perfect than this. Family road trips can turn into a great time for everyone by strengthening the bond among the members.

A road trip can either feel like an exhausting chore with endless hours of constant irritation or a fun-filled adventure with memories that will last a lifetime. It depends entirely on planning a trip and what engaging elements you try to include during your journey.

Are you in a dilemma about how your family trip turns out to be? Then, before you hit the road, be sure to read our recommendations to prepare for a family road trip. These tips will help keep the children happy, parents sane, grandparents comfortable, and make your trip a memorable one.

1. Make frequent halts: Go on the internet to look for exciting places you can stop by on your way to keep everyone engaged. Even stopping at a regular park or a garden space allows everyone to stretch their bodies and get to enjoy themselves. You can also carry a Frisbee to play as these small fun activities keep the excitement intact for the long drive. Driving can be exhausting, so taking breaks helps the driver to de-stress and helps to regain concentration. Refreshment stops are a must. You can discover varieties of food and great highway-side restaurants if you decide to have a meal on the road.

2. Plan your route: Nowadays, most cars come equipped with GPS. Still, you should plan a route suitable for you before leaving. Check if the weather conditions, in any way, would affect your course. It is difficult and dangerous to drive on certain roads in monsoon season, especially the landslide-prone mountain areas. So, try to avoid them as some have traffic congestion while others may be blocked. Keep a physical paper map to navigate through the journey. It comes in handy when you lose a network connection. Plus, it will be a great real-life geography lesson for your kids while travelling.

3. Food and Entertainment: We can quickly be bored on a long trip. And we tend to eat whenever we are bored. So, pack healthy goodies like sandwiches, protein bars, and fruits. Avoid carrying and consuming eatables that can make a person with motion sickness feel nauseous. Instead of sitting in your car and uncomfortably having your meal, you can also plan a picnic at a rest stop or try new hotels and dhabas on your way. Another solution for boredom is to have some good entertainment. Enjoy some good music, make a playlist with songs that everyone likes. Audiobooks are a great way to listen and learn something new.

4. Get comfortable, but safety first: Carry a couple of comforters, blankets, and pillows to ensure a refreshing nap. A neck pillow can be a favourite item for long drives. Along with comfort, ensuring safety is also essential. Make sure to buckle your kids safely in a car seat or a booster seat. Also, have an emergency first-aid kit ready with you. Check your car's tires, oil changing status, wirings, and level of fuel. Carelessness on the roads is something that you cannot afford to do, especially with your family and kids.

What do you think about going on long road trips with your family? With Covid restrictions easing out, you can now plan a long road trip soon to make some priceless memories with your family. Before you leave, double-check your driver's license and other essential papers like PUC and motor insurance. As ONLINE MOTOR INSURANCE is available, you don't need a hard copy of the documents; a soft copy will be enough. Nonetheless, have a fun drive, and enjoy a vacation with family!

Click HERE to know more about online motor insurance for your car.

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

Your lifestyle choices often determine whether you will lead a healthy life or not. The food you eat and the physical activity you do is directly correlated to your overall health. If you are physically active and keep a check on what you eat, then there is a good probability of you being healthy even in later stages of life. A sedentary lifestyle only increases the risk of chronic diseases.

The rise of COVID-19 infection has forced everyone to stay indoors. It was assumed that doing any physical activity won’t be possible anymore. Yet, the fitness geeks have found ways to work out when quarantining from home as well, leading the path for others to follow.

While quarantining from home, these fitness enthusiasts are following the below tips to maintain a healthy lifestyle and keeping themselves physically and mentally active:

● Exercise and eat well –

Regular exercising helps in remaining physically healthy, improves mental health and reduces anxiety levels. Initially, you might feel rusty, but exercising regularly will boost your energy levels. You can dance, do yoga, or just play with your children to lift your spirits. Staying at home can make you eat unhealthy and fatty foods, which can decrease energy levels. Avoid sugary and salty foods to stay energetic throughout the day. Stay hydrated, drink a lot of fluids, and at least 8-10 glasses of water a day. Consume foods that provide protein, carbohydrates, and fiber, such as green vegetables, fruits, red meat, etc.

● Have an appropriate sleep pattern –

It is important to reduce anxiety to have better sleep. Try to go to bed at night and get up in the morning at the same time daily, irrespective of the quality of sleep. Avoid eating late, or consume alcohol or caffeine at night. The restorative rapid eye movement (REM) time reduction makes you feel rested even being awake. The sleep quality might get impacted with the use of phone, laptop, or TV before sleeping. Try things that keep you calm, such as reading, walking, etc., before going to bed, to reduce anxiety and improve sleep quality.

● Have a routine –

Without a set schedule, one might feel tired and unenthusiastic. It’s important to have time for meals, sleep, work, and relax. Prioritizing such things will help in keeping anxiety in check. Take breaks at regular intervals to stay energized in case of working from home. Ensure there is time off from work, so you can get some me-time as well.

● Think positive –

Having a compassionate mindset helps in conserving energy. Practicing this kind of thinking is known as ‘kind attention’. Be empathetic towards your colleagues or family members, and understand the challenges they are facing while working from home. Supporting your spouse in daily chores will reduce their workload and strengthen your bond. This kind of positive attitude will keep your spirits high, and increase your focus and energy levels.

● Stand up while working –

Whenever possible, take a break from work to stand up to reduce your sedentary time. With the availability of ergonomic furniture, use a standing desk such as a high table or stack a pile of books, or other materials to work while standing. While standing, indulge yourself in reading, and playing board games and puzzles, to refresh your mind.

COVID-19 has made it difficult for people to have a positive outlook while being stuck at home. But with a healthy lifestyle of exercising at home, eating homemade food, and bonding with family can help to survive in these tough times. As nutrition is vital for physical, mental, and social well-being; so is health insurance for the health and security of your loved ones. Always have Health Insurance for you and your family members, so you aren’t worried about money while providing them with the best healthcare.

Over the past year, the importance of living a healthy lifestyle free of diseases and morbidities has become exigent. People have begun to understand that healthy practices improve longevity and help tackle threatening diseases more effectively. Let’s take a look at four different steps you can take towards a healthy lifestyle for yourself and your family:

1. A Healthy Diet –

The first and perhaps the most important step towards a healthier lifestyle is to improve your diet. When our diet is significantly centered around junk and processed food, the intake of unhealthy fats and excess carbohydrates increases, leading to heart problems and problems such as high blood pressure and obesity. A well-balanced diet that includes appropriate proportions of proteins, fats, carbohydrates, vitamins, minerals, and fiber can significantly reduce these risks. Include vegetables and fruits in your diets as often as possible, ideally every day, alongside pulses and grains. Even with these ingredients, you can have delicious meals all three times of the day that are also healthy for your body. Indian cuisine contains mainly these ingredients and offers immense variety as you go from the north to the south, alongside great nutritional value.

2. Exercise –

If you exercise about an hour every day, the impact of physical activity on your body will be visible and evident in about six to eight weeks. Exercise does more than just keep you in shape. It stimulates your body and, if you are involved in a vocation that requires sitting all day, then it provides the essential elements of physical work. Exercise also reinvigorates the flow of blood in your body and keeps the heart healthy by improving circulation. This improved circulation further helps reduce the risk of heart diseases. Regular exercise is also known to lower blood pressure as well as triglyceride levels. If you do not wish to exercise, simply taking a brisk walk every day can also help you maintain a healthy body weight and reduce body fat. It also strengthens your bones and improves blood circulation throughout the body.

3. Get Apt Sleep –

Sleep doesn’t just provide rest but also helps your body recover from a hard day’s work by repairing your muscle fibers. If you exercise regularly, the exercise results will be much more evident if you get an appropriate amount of sleep during the day. Sleeping for about eight hours a day also reduces the chance of depression and several other problems associated with mental health. It boosts your immune system and improves your cognitive abilities through better memory assimilation and retention.

4. Find Solace –

Along with physical health, mental health is something that cannot be neglected. One way to ensure a sound state of mind before starting your day, carve out 10 minutes and sit for meditation; check-in with yourself. Many yoga asanas provide similar benefits as meditation. If you find it difficult to meditate, you can always find solace in prayer. These practices help put your mind at ease. When you start your day with a calm, well-rested mind, it ensures a good day not only for yourself but also for those around you. And no doubt, being in a sound state of mind certainly has a positive impact on your physical health as well.

Adopting these steps can help you on your journey to living a healthy lifestyle and improve the quality of your life significantly. One practical way to tackle any unforeseen health issues is to buy Health Insurance Online . Insurance acts as an essential safety net to ensure that you don’t have to bear a large financial burden in an unexpected disease.

India has some of the harshest summers for any country in the world. Temperatures can routinely touch 50°C in several parts of the country, and the need for air conditioning or any form of cooling is fairly consistent throughout the year. But humans aren’t the only ones who suffer in these harsh summers. If you drive a car, the summers can be hard on your car as well. Driving in the summers often means having to turn the air conditioning (AC) on full blast for long periods, which can bring down your fuel economy considerably. Here, we cover some tips that will help you manage your fuel economy even in the summers.

Slow Down:

Regardless of the season, but especially in the summer, with the AC on, it is much better to drive within a certain range of speeds for optimized fuel economy. In general, the bracket between 40 km/h and 80 km/h will serve you best, irrespective of whether you’re driving in the city or on the highway. With fuel costs soaring by the day and the traffic on Indian roads only getting worse, it is wise to save fuel costs by driving at slower speeds. This also allows you to use the AC for longer durations.

Use the AC Intermittently:

The crippling summer of India often makes you want to use the AC for long periods without a break. However, the AC of your car is not as well equipped at handling long usage hours as your average domestic or industrial AC. Using the car AC for long periods can increase the load on the system and decrease its cooling efficacy. This can lead to damage in the long term and increases the chances for repair in the middle of the season. Hence, it is important to use your AC only intermittently, even on long trips. Make sure to turn it off when your car has cooled down sufficiently and turn it back up only when you feel the need for it again. Also, make sure that your AC is covered for damage when you buy your Car Insurance Online.

Turn Down the AC:

Apart from using it continuously, the summers are also when you are most likely to use the AC at its maximum capacity. There is hardly a standard flow rate at which your vehicle will blow air towards you, and hence the performance of different ACs at full blow will generally be different. Similarly, the performance of ACs will differ according to the age of the vehicles. The higher the level at which you operate your AC, the lower your mileage is likely to be. As enticing as it might be to get the most out of your AC in the summer, it is much more prudent with respect to mileage to slow down the AC.

Don’t Idle:

Depending on the model of the car you drive, it might be possible to leave the AC on while the engine is off. Even if your car has this feature, make sure to not idle your engine just so that you can leave your AC on. Idling the engine can reduce your mileage by several percentage points and generally wastes a huge amount of fuel. Instead of idling, if you get to your destination early, simply get out of the car and start walking to your destination. Similarly, if you are at a long signal, switch off your engine to save fuel and don’t worry about losing an extra few seconds of cool air.

Indian summers are perhaps when the greatest amount of fuel is lost due to the above factors. Following best practices associated with fuel mileage can help you save fuel and generally ensure a long life for your car. To add an extra layer of security, make sure that you buy car insurance online so you won’t need to pay out of your pocket if a summer breakdown occurs.

Oral health is not only important to keep cavity and gum disease at bay, but it also plays an important role in keeping you fit. With the mouth being the entrance to what you eat and drink, there is a strong correlation between your oral hygiene and overall health. Gum issues and tooth decay can cause pain, tooth loss, and reduced appetite and might affect your self-confidence if not treated on time. This can further lead to undernourishment and speech issues, causing strain on your personal and professional life.

It’s never too late to start taking care of your teeth. Below are 5 tips you should regularly follow to keep your teeth healthy:

● Avoid sugary food and drinks –

Do you find your teeth unclear and uneven? This could be due to dental plaque on the surface of your teeth. Plaque is caused by the sugary substances we eat, producing cavity-causing acid. So, whenever you eat sugary foods, a layer of plaque might get coated on the teeth. To reduce the occurrence of plaque, limit your consumption of sugary foods and drinks. Additionally, always check the labels and ingredients of packaged foods for sugar content before buying. For e.g., many yogurt flavors and sports drinks contain a high quantity of sugar, which might affect oral health.

● Brush your teeth twice daily –

Brushing your teeth two times a day helps in removing plaque and germs. This becomes more effective if done with the appropriate technique. Always brush the front, back, and top properly in small round movements. This process would take around 2-3 minutes; avoid moving the brush backward and forward. Hard brushing can cause damage to tooth enamel and gums that affect tooth sensitivity. If you see blood in your gums while brushing, then try gentler movements. It has been recommended by dentists to use a soft-bristle brush and change it every 3 months.

● Floss your teeth once a day –

Flossing helps to get rid of plaque and food stuck in the teeth, which cannot be removed while brushing. These stuck food particles, if not removed, get disintegrated by bacteria, leading to bad breath. The stuck debris can also affect your teeth, which might require treatment, such as a root canal to be fixed. Push the floss into the gum line before embracing the side tooth. There would be no pain while moving it up and down and removing the plaque effectively.

● Use mouthwash –

Always use mouthwashes recommended by dentists for good oral health. Mouthwash containing chlorhexidine, which is an antibacterial ingredient, helps in preventing plaque and gingivitis. It also contains essential oils that aid in oral health. Mouthwash cannot be a replacement for brush and floss but can enhance your teeth-cleaning practice.

● Visit the dentist regularly –

You should go to see the dentist for a regular check-up once in 6 months. They will examine your teeth to remove plaque, germs, and hardened tartar. The dentist will do a visual check for oral health problems, cavities, disease in gums, and mouth cancer. Cavities can be checked through dental x-rays. If adults take care of dental hygiene daily, then the frequency of visiting the dentist for oral health problems could be lesser.

Dental treatments are often not covered by your Health Insurance. Thus, various medical procedures performed by a dentist can be an expensive affair. Hence, it’s recommended to follow good oral habits for a healthy body and less medical expenditure.

Following good dental care from childhood helps keep the mouth healthy, even till later stages of life. Healthy oral habits protect you from various diseases and keep you fit throughout life. Follow the steps mentioned above as part of your routine to improve your smile and oral health.

If any pain or discomfort presents and persists, always consult with your dentist.

So you are just a few steps away from owning your dream car. But have you thought of the insurance process yet? Insurance is something that must be planned in advance as it cannot be purchased in a rush. One must research thoroughly before buying any car, whether it is a new one or an old one. This article will take you through everything you need to consider before purchasing a new car.

Insurance Types

Before purchasing a private car insurance, you need to be aware of all the available policies and what cover they offer. Car insurance policies vary between private and commercial vehicles, so you will need to buy insurance that suits your vehicle usage.

There are two basic types of insurance policies. They are:

1. Third-party Insurance –

Third-party insurance is compulsory for all vehicles on the road. In case of an accident, it covers any damage to the third party. But it doesn’t cover any damage that occurred to your car. To cover damage to your car, you will need to buy comprehensive insurance (explained below). The third-party policy is a relatively more affordable kind of insurance.

2. Comprehensive Insurance –

In case of an accident, a comprehensive insurance policy covers the damage to your car as well as to a third-party car. It can also cover any accidental damage or theft of the car. This policy also covers damage caused by natural disasters. This is the highest form of insurance policy you can get for your car.

Buy Add-ons based on your risk profile

Based on your risk profile, you can opt for some add-ons like roadside assistance, engine replacement, etc. For example, if you enjoy riding at odd hours or for long distances, then opting for roadside assistance as an add-on can be useful. In case of a vehicle breakdown, you will get assistance, and the vehicle will be moved to the service center.

Compare the dealers

Most car dealers offer insurance policies at the time of buying the car. But those policies may not meet your requirements. Make sure to compare the policy prices among different dealers and then make an informed decision. It is tempting to buy the cheapest policy, but choosing a suitable policy after thorough research of the dealers will help you in the long run.

Don’t neglect the policy terms

Most car owners read only what is included in the insurance policy and ignore the part that talks about what is not included. This is a very common mistake among most insurance buyers. Ensure that you go through the policy carefully and understand both inclusions and exclusions in your policy before finalizing.

Know about the claim procedure

Inquire about the claims procedure before purchasing a motor insurance policy. The process should be simple and reliable. Test the insurer's claim payment percentage as well. The claim payout ratio of a corporation indicates how many policies are settled per year by settling back claimants. You can use the claim payout ratio to gauge the reliability of the insurer.

Understand Insured Declared Value (IDV)

The Insured Declared Value or IDV, vehicle size and other variables are used to determine the premium of a private Car Insurance . As a result, knowing a car's IDV is important. In case of complete loss or burglary, the IDV is the highest amount you can collect on insurance. The IDV of a vehicle decreases as it gets older because a relatively new car has a higher IDV than a car of the same type that is a year older. In easy terms, we can say IDV is the current market value of your car.

In India, cars are among the most purchased and valued commodities. With an increased number of vehicles plying on Indian roads, there has been a notable rise in car accidents. To ensure the safety of drivers and others, the Motor Vehicle Act, 1988 has made it mandatory that all vehicles must have a valid insurance policy before plying on public roads.

There is one more reason why you should have car insurance coverage. Not having insurance leaves you vulnerable to financial damages during unfortunate accidents. No matter how good a driver you are, you must possess a valid car insurance policy and renew it annually. We share the 8 benefits that your Car Insurance Renewal can provide you!

1. Third-Party Coverage:

If the unfortunate accident involves other individuals or their properties, your insurance renewal comes to your rescue. It protects against any loss or damage caused to the third party by your vehicle during an accident.

2. Comprehensive Coverage:

The comprehensive coverage provides a shield against the own vehicle damage and the third party coverage. It also protects your vehicle against natural calamities such as cyclones, earthquakes, landslides, floods, etc. At the same time, you also get coverage against man-made tragedies like theft, burglary, riots, etc.

3. No Claim Bonus (NCB):

Your car insurance renewal offers you a reward for safe driving in the form of a no-claim bonus. When you renew your car insurance online without any claim during the policy period, you will be eligible for NCB benefit. It is a discount on insurance policy premium, which you can avail during policy renewal. The NCB value can go up from a minimum of 20% for the first year to 50% for the fifth consecutive no-claim year of the policy.

4. Large network of garages:

Almost every good car insurance maintains an extensive network of garages across the country. It means that you receive cashless services in all these locations and networks of garages. This feature makes it convenient to claim a repair service if any damage happens to your vehicle.

5. Add-Ons:

Depending on the insurer you choose while opting for insurance, you get access to add-ons such as zero depreciation cover, engine cover and cover for accessories, etc. During your policy renewal, you can opt for riders to enhance your policy coverage with mentioned benefits.

6. Transparent Process:

Transparency is another significant factor that a policyholder gets while renewing car insurance. All your policy information is accessible to you at your fingertips. This ensures that there is no ambiguity regarding the process and the policy features.

7. Flexibility to switch insurer and cover:

During the online insurance renewal, you can compare the premium of various insurers. When you took insurance for the first time, you might not have thought of an insurer or coverage. However, car insurance renewal brings you the opportunity to select the best insurance company for your vehicle.

8. Security:

And most importantly, when you renew your policy, you get a sense of security and a shield of protection. Not just for yourself but for your vehicle too. It allows you to drive around with confidence and peace of mind.

You can opt for car insurance renewal online that is much quicker and affordable. You can simply visit an insurer's website and get an estimate by entering some essential details they ask for and renew your car policy online.

Click Here To Renew Your Car Insurance Policy.

So, you love riding your two-wheeler? And, how often do you spare time for maintaining it? Riding is way easier than maintaining a two-wheeler. But we need to understand that if we neglect the regular maintenance of our two-wheelers, then in no time they will face issues which will ultimately cause trouble to you. For a safe and happy ride, maintenance of your two-wheeler is important.

Along with below mentioned six tips for mastering your two-wheeler maintenance, we also recommend you not to neglect the important practices of good driving habits and a relevant two-wheeler insurance coverage.

1. Start with the engine

The driving force of your two-wheeler should always be in good working condition. Regularly check the engine oil level and change the oil if necessary. Always use good quality oil to prevent the deterioration of the engine’s performance. Keep the oil filter dirt-free and drain out all the waste. If needed, replace the existing filter with a new one.

2. Go for the air filter

Air filters are either made of paper substance or foam. Depending on the type of air filter installed in your two-wheeler, you should clean the air filter accordingly. The paper-based filter can be tapped to clear the dirt and clean it. For a foam-based filter, use water to wash out all the dust clogging the air filter.

3. Examine the spark plugs

Over the years, the spark plugs undergo wear and tear, which gradually increases the gap between the electrodes. Identify the exact gap that should be present between the electrodes and manually adjust the electrodes to reposition them to the appropriate position. Also, note the current physical state of the spark plugs. If they appear to be corroded, change them immediately.

4. Address the clutch

Maintenance of the clutch is crucial for jerk-free gear shifting. Check out the clutch cable and adjust the thread along with the nut to observe a smooth operational clutch.

5. Look out for the brake

For preventing unwanted road accidents and for a safe ride, the braking system needs to be functioning efficiently and the brake pads need to be checked. Usually, brake pads experience some wear and tear due to continuous friction applied to them. Grooves present on the brake pads act as indicators to represent the level of damage. If the damage is beyond the permitted limit, then it is wise to replace the brake pads. One should never be careless when it is a matter of brake pad maintenance. Also, change the brake oil regularly for proper lubrication of the brakes.

6. Don't forget to renew your two-wheeler insurance

You don't want anything loose that may compromise your two-wheeler's maintenance, including a potential driving risk. A comprehensive Two-Wheeler Insurance plan protects you and your vehicle in case of accidents that may occur while riding on the road.

On a conclusive note, the life of your two-wheeler rests in your hands. Invest your little time in its maintenance and repair to enjoy a pleasant riding experience. Also, understand that your two-wheeler is your possession, so it is your responsibility to reward it with proper maintenance.

If you are a car owner, it is mandatory to have valid car insurance before driving on roads. Purchasing a one-time car insurance policy is insufficient since the annual renewal is equally important. As a responsible car owner and a policyholder, you are accountable to keep track of your car insurance's renewal.

To save money on premiums, many car owners choose the basic insurance plan with minimum benefits. This, in fact, during an unfortunate incident, gives more trouble than any advantage to them. However, there are better ways to reduce the cost of insurance without sacrificing good coverage and features.

To help you with that, we've put down some tips for you to save money on your next car insurance renewal:

1. Always compare:

There are more than a dozen companies out there that offer car insurance. Compare them and understand the clauses of each. Doing full-proof research work is essential to draw maximum benefits from your car insurance plan. You may also do an online evaluation of insurance companies to assist you in selecting the most economical coverage.

2. Opt for online mode:

Purchasing and renewing car insurance online is more economical than the traditional offline method. A vehicle insurance company's overall operational costs reduce when it operates online as it eliminates the funds that go into a mediator agent, paperwork, and other factors. Moreover, car insurance companies believe that online customers are more aware and offer some discounts.

3. Look out for deductibles:

Almost all automobile insurance policies include deductibles. It is the percentage of the claim amount that the automobile owner agrees to pay if a claim is filed due to damage to their car. By agreeing to pay a portion of the claim amount, you lessen your motor insurer's liabilities, and hence you get the car insurance at a more economical rate.

4. Save using your No-Claim Bonus (NCB):

You are eligible to earn a No-Claim Bonus if you do not file any claims during the policy year. The discount rises after each subsequent policy year (for a total of five years). At the time of renewing your car insurance, keep the NCB bonus offer in your mind. You may utilise this to get a reduction on your renewal premium.

5. Always renew your policy before it lapses:

Always ensure you renew car insurance annually on time. If you let the claim expire, it will make the insurance company consider you as an irresponsible person. In addition, the company has the authority to deny you any discounts or additional advantages at the time of renewal. It may even cost you the No-Claim Bonus.

6. Go for long-term insurance policies:

Various insurance companies provide attractive discounts, particularly on long-term vehicle insurance policies. Long-term vehicle insurance plans lower administrative expenses, and these savings are passed on to policyholders in the form of incentives and discounts.

On a conclusive note, insurance renewal is an important exercise that no policyholder can give a miss. So getting preliminary information about renewal tips will be beneficial to maintain a positive track record. So follow the above tips and save some amount on your next car insurance renewal.

CLICK HERE TO VIEW THE BEST CAR INSURANCE POLICY FOR YOUR VEHICLE…

Many people love riding motorcycles. It's fun, daring, and adventurous. Whenever we talk about bike fanatics, we imagine a young adult riding a motorcycle with cool bike gear, taking a long trip in an aesthetically beautiful location. But, are motorcycles only for the youth?

Senior citizens also love riding bikes. But when it comes to the type of bikes they should go for, you must take care of certain factors given their age, mental conditions, body, fragility, accidental risks, road conditions, driving skills, etc. Are you looking for advice on how to help the seniors in your family take up their hobby while ensuring they stay safe? This blog will provide tips for choosing the right motorcycle for seniors. Let's dive in.

1. Ensuring the body to be fit to ride:
The number of senior citizens' road accidents has been rising worldwide. They are likely to get seriously injured or even die in bike crashes. Senior citizen accidents rose by almost forty percent, and the leading causes are a lack of protective gear like helmets, driving at high speed, and drinking and driving.
All these three reasons are against the road safety regulations, and one must consider this before getting a bike for the senior member of their family. Some other reasons for aged people to be prone to road accidents include vision impairment, sensory delay, reduced reaction time, balance and alignment issues, reduction in brain size, weakness, lack of bone strength, etc.
One must keep these factors in mind before you help the senior citizens hit the road on their own. If there are any such issues, you need to ensure their safety and consider the best options like accompanying them on the exact vehicle, being around whenever they drive, setting limitations of driving if the senior member is comfortable with it, etc.

2. Picking the right motorcycle and getting back to practising:
First and foremost, you must consider all possibilities and risks before going out to get a bike. Safety comes first. You need to purchase a motorcycle that suits and prioritises their driving skills, size, handling capacity, and security.
Some things you need to take care of include their height and weight, which have changed over the years and are still variable. Their size should be enough to operate all the controls and set their foot on the ground so they can control the bike whenever there is a sudden need. Their weight also should be able to handle the body and design of the bike. The weight of the senior member would determine their ability to manoeuver the bike quickly and efficiently. So, you need to ensure that you get a lightweight bike for them so that they can operate and balance it easily, even on uneven terrains. Maintaining bike control is essential for yourself and others on the road.
If not, it can potentially cause dangerous accidents leading to severe consequences. And last but not least, you need to help them plan their itinerary if they choose to go for a trip, and help them practice in a nearby area with decent roads, which would also help a beginner.

Those were some of the best tips for choosing the right motorcycle for seniors. The senior family members have the right and freedom to live their passion of biking and enjoying their retired life. If you are an older person, then just follow the above tips and encourage yourself to set out on short leisure rides or long adventurous trips.

But during any of these daily or weekend activities, the unpredictability on the road is always a concern. So, to ensure that even if you end up in difficult circumstances which can potentially cost you a hefty amount, you should buy the best two wheeler insurance in India to ensure that you focus on getting your ride fixed instead of fixating and worrying about finances. Get your gear, wear your helmet, and get ready to hit the road again!

Click HERE to know more about the best two wheeler 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.

If you are suffering from health issues and other illnesses, health insurance is crucial in covering the expenses for treatment and medicines. A safety net in the form of health insurance can take a significant load off yourself and your family. However, it can be nerve-wracking if your health insurance claim does not go through. An insurance claim can be rejected for various reasons, and depending on your insurance provider, they may or may not provide clear reasons why the claim was denied.

So, if you are worried about claim denials and want to know the next steps that need to be done, this article is for you.

What are the reasons for claim denial?
There can be many reasons why the insurance company may reject your claim. Upon receiving a claim, the insurance company cross-checks every document from the policyholder to verify the policy's validity and the claim's authenticity. Some of the significant reasons for claim denial are issues with the cover. There is a list of illnesses and treatments that insurance doesn't cover. If your claim falls under such a category, the insurance company can reject your claim. Other reasons could be missing information, expired validity, and lack of supporting documents.

How can you rectify and reapply?
If you are eligible to reapply, you should thoroughly go through every document and ensure that there is no missing information and that all the supporting documents are attached. After providing these documents, you can reapply for your insurance. However, if the reason for prior rejection was an expired policy, then you cannot reapply for the insurance. The validity period of your policy is the only contract holding the insurance company accountable to you. If a claim was made without an active policy, the insurance company is authosied to reject the claim.

How to write a letter of appeal to the insurance company?
This is probably one of the easiest and most effective ways to undo claim rejection. Write an appeal letter to the insurance company stating facts and attach supporting documents to strengthen your case. Papers such as treatment plans, medical bills, etc., are some examples of the supporting documents that you can use. If your claim looks valid to the insurance providers, they will approve them immediately.

Who is an ombudsman, and how can they help?
If none of the steps mentioned above works, you should consider going to an ombudsperson to review your claim. An ombudsman is an officer appointed by the government for the policy holders' fair disbursement of insurance money. Any grievance against an insurance company can be made to an insurance ombudsman. If your insurance claim was rejected or the company has not responded to your appeal, then the ombudsman is responsible for resolving the issue.
After careful consideration, the ombudsman recommends a settlement or an award that must be complied within the next fifteen to thirty days.

These are a few things you can do to ensure that your health insurance claim is approved. Health insurance claim rejection is not something that you need to stress about. Understanding why the plea was rejected and rectifying the issues will help you reapply for health insurance. Insurance companies must be careful against fraudulent claims, which is why they have stringent policies to disburse the insurance amount to the rightful people.

Before buying your health insurance in India, read all the papers carefully. Understanding the terms and conditions before purchasing your policy ensures that you have no trouble at the time of claiming the insurance. Analyse your requirements and opt for a tailor-made policy for you to reap the benefits of health insurance.

Click HERE to know more about 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.

Bikes are never out of fashion, and every biker wants his favourite bike to be the show-stopper. You may have seen a lot of tastefully customized bikes and may be interested in modifying your two-wheeler. Different people have different reasons for customizing their motorcycles. Some do it for better designs, while others do it to improve performance or safety.

No matter the reason, here are four things that you should know before you shift into high gear and head straight to one of the bike modification shops.

1. What The Motor law says:
When considering change, the first thing to examine is if the law allows it. To illustrate, if you wish to update the engine to boost its power output, your registration certificate should reflect such modifications. As a result, you must go to the Regional Transport Office and have your registration certificate updated. Minor cosmetic changes, such as adding a sticker, are permissible without clearance. Each state has its own set of rules regulating the use of lights, indicators, license plates, and horns. Before making any changes to your bike, you must comply with the government's regulations, or you'll have to pay a heavy fine. Ensure that you stay lawful!

2. Types of Modifications and their Impact on premiums of 2 wheeler insurance:
Performance-based modification: Performance enhancements on two-wheelers often involve fuel-efficient technologies or mechanisms to enhance speed. Remember, a higher speed increases the probability of an accident. Given the danger, it will surely raise your 2 wheeler insurance premium.
Aesthetic modification:When you modify your bike to look more aesthetic, it raises the chances of theft, thus increasing the premium.
Safety modification: By adding security features to your bike, you reduce the chances of bike theft. As a result, you save money on insurance costs too.
Modifications for the disabled:If a specially-abled person rides a bike and is modified to meet the convenience, the insurance provider will not charge an additional premium.

3. Inform your insurance provider:
Keep your insurance company informed of any alterations you want to make to your two-wheeler. Some two-wheeler changes may result in an increased premium amount. Failure to disclose these modifications may be seen as unlawful, leading to claim denial by the insurer.

4. Get the job done by a professional:
While the potential for heavy-duty modifications to two-wheelers is restricted, you can still make many alterations. Paintworks, for example, are still permitted as long as they are within the RTO guidelines. Similarly, the installation of minor extras such as decals, visors, and engine fairings remains allowed. Make sure that only specialists perform these tasks.

Remember, your bike is a machine, and like any other machine, it has its limitations. Therefore, you need a skilled bike modifier who can assess your bike's capabilities, consider your needs in terms of adjustments, and then begin working on a plan.

Whether you modify your vehicle or not, you must hold valid insurance if you want to ride your two-wheeler lawfully on Indian roads. Also, you need to prepare yourself for uncertain events or situations like accidents, maintenance fees, and other service costs involved before they take a toll on your finances. So get reliable 2 wheeler insurance and forget all the stress.

Click HERE to know about the most economical plans for your 2 wheeled companion.

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.

Is working 9-5 taking a toll on your health? Sometimes we involve ourselves so much in work that we forget to pay attention on our health. Unfortunately, it commonly happens to every other working person. And even though we try our best to bring a balance, we somehow end up neglecting our health.

Most people blame their jobs for not being in good shape. However, it is no news that most of the population works in offices and remains at their desks for about 9-10 hours a day.

Such a lifestyle looks manageable while you’re young, but as you grow old, it starts to have terrible consequences on your health, including back pain, eye strains, stress, neck syndrome and those extra calories adding up to obesity.

Go through these five tips to find simple ways to balance your health and work simultaneously.

1. Drink adequate amounts of water and have healthy meals:

Pay proper attention to how much water you consume while at work. It is essential to stay hydrated throughout the day for an active mind and body. Similarly, eating a healthy lunch is an equally important part of a balanced diet. Make salads and fresh fruits a part of your meals. Eat reasonable portions and do not skip lunch. Avoid nibbling on snacks while working.

2. Frequent breaks:

Make sure you take a 5-10 minute break every 2 hours. Do not confuse yourself by thinking a break is a waste of time. On the contrary, you must consider it as a way to be more productive. Sitting at a place for too long can make you less productive. Just like any system, your body needs time off to keep performing in a better condition.

3. Hygiene and cleanliness of your workplace:

Your computer keyboard, mouse, and telephone can be a harbour for those germs just waiting to get you sick. Beware of your surroundings, ensure cleanliness and proper hygiene of your workplace. For instance, your desktop or laptop needs to be regularly cleaned. Use disinfectant, keep sanitizing wipes handy to clean the surface of your workplace and table often.

4. Follow a workout routine:

One of the good things you can do to stay healthy and in shape is exercise. Squeeze in a workout routine in your daily schedule as much as possible. Exercising for at least thirty minutes is recommended for keeping the best shape and health. Walking for a few minutes during lunch is also a great idea. Find a walking partner in the office whom you can join in for a daily walk.

5. Get a good health insurance:

In today’s world of stressful lifestyles, it is very important to have your health backed up by health insurance. Some companies have even made it mandatory for their employees to have one. Look for online health insurance, choose the best that fits you and purchase online health insurance without hesitation.

People always tend to turn a blind eye towards their health and end up prioritizing work over health. Take a note of the above valuable tips to ponder on staying healthy when at work. Work has no alternative, nor does health, so be wise and have health insurance backup.

WANT TO KNOW ABOUT THE ONLINE HEALTH INSURANCE PLAN THAT SATISFIES ALL YOUR REQUIREMENTS? CLICK HERE…

Maintaining your fitness might be a controllable factor, but predicting medical help indeed isn't. And we already know that the enormous hospital bills can suck up all of your savings, making you wish you had a health insurance plan.

There is no doubt that the benefits of an insurance policy are precious and useful at crucial times. However, with a sea full of policies out there, it can get tough to make a decision. To ease this, we've listed some critical aspects to consider before you buy Health Insurance Online in India:

● Determine Age-Related RequirementsOne of the most significant and primary aspects while buying health insurance is your age. Determine your and your family members' age before you proceed towards your purchase. Generally, the premium payable to individual plans depends on the age of the oldest member of your family. Another element is that many plans come with certain limitations in terms of the age for entry. While some allow age limits up to 60 years, others only cover up to 50 or 55 years. Likewise, the age for entry also depends on the type of policy you choose, while some permit newborns with 90-95 days and others start from age like 20 or 25 years. There might also be some policies that don't limit their coverage based on age-related factors. A piece of advice would be to check and verify the age limit when it comes to buying your health insurance.

● Determining Premium & Coverage Related Factors Many consider lower premium plans to be more favorable as there are fewer expenses involved. On the contrary, the lower premium plans have lower coverage period. The next time you see a policy with a low premium, try to verify the reasons. Look out for any different payment sources dated for future dates, restrictions; this will help ensure that you won't pay a great deal of money when you claim your policy. As far as there are no such additional costs or limitations on the coverage, you're good to go.

● Agreements On The Waiting Duration A waiting duration is where the insured person must wait for a particular duration due to prevailing health conditions like blood pressure, arthritis, thyroid, and more. Being well acquainted with the duration given by your policy can help you make the appropriate decision. Generally, the waiting duration ranges from 1 to 2 years or more, depending on each policy provider.

● Advantages Correlating To Hospital Bills The best part about buying a health insurance policy is that you don't have to pay any hospital bills as the insurance company directly sends out your coverage amount to the hospital. However, one thing to determine is that this coverage is only listed under individual hospitals; not all hospitals are part of their system.
However, can you imagine the number of form fillings and other tedious formalities that you can skip once you buy health insurance online in India?

● Coverage Benefits Before And After Your Hospitalization While you're looking at a specific type of insurance plan that primarily covers your hospital bills, make sure you check the coverage benefits. What you're missing out on are policies that cover hospital bills and the expenses associated before and after your treatment like physical check-ups, physiotherapist sessions, and more. When you pay for a policy, isn't it essential that you get all the benefits you'd admire? Save your medical expenses fully!

● Coverage Benefits Before And After Your Hospitalization While you're looking at a specific type of insurance plan that primarily covers your hospital bills, make sure you check the coverage benefits. What you're missing out on are policies that cover hospital bills and the expenses associated before and after your treatment like physical check-ups, physiotherapist sessions, and more. When you pay for a policy, isn't it essential that you get all the benefits you'd admire? Save your medical expenses fully!

● Coverage Benefits For Pregnancy One of the aspects that everyone misses out on is checking whether your policy covers medical bills related to your pregnancy. And you'd certainly be surprised to know that a lot of them don't. Also, many policies that cover this type of expense hold a waiting duration ranging from anywhere between 2 to 4 years. You can also plan your pregnancy accordingly.

Final words

Plan your policy ahead of time and consider what aspects are fundamental to you. This can certainly save you a lot on medical bills.

Quick tips:

● Navigate & Compare: These are the two primary things to consider before buying a health insurance policy.

● Check all the necessary related benefits.

● Ensure that the list of network hospitals are close to your vicinity.

The sea has always opened up numerous opportunities for humankind. And now, with cruises becoming popular in the travel culture, people want to avail this luxurious and unforgettable adventure. Sailing from one horizon to another, experiencing the waters, foreign sunsets, and the regal amenities of the ship, make a complete package and a perfect bullet on your bucket list.

Planning a cruise trip can be intimidating and overwhelming. Ships are now as high as six to ten storeys and can contain upto three thousand passengers! You'll come across people from various cultures and backgrounds when visiting different port cities and countries. With expansive breathtaking views of the ocean, enjoy the vibes of a unique vacation far away from the city crowd and hassle. Cruise companies make every effort to make the guests feel welcome and curate experiences that cater to all travellers' expectations.

In this article, we will discuss some essential things to know before you set out on a cruise trip.

1. Windowless cabins:
For first-time cruisers, this can come as a shock. Some rooms may look like a coach in a train (size), but they might not have a window. These cabins are small spaces and can be congested for some. If you are uncomfortable in tiny spaces, make sure you check the amenities before booking a room. You can always travel with a partner to split the cost of the room if the price is too high.

2. Dress codes:
Some cruises have strict dress codes for mealtimes. You can be turned away if you don't adhere to the code and show up in ripped jeans or anything that comes off as casual. Make sure you prepare yourself in advance, enquire about these rules and regulations, and pack your outfits accordingly.

3. Book a higher cabin:
If you get seasick, booking a higher cabin will help you have a fun trip without the stress of feeling nausea or seasickness. Consider your health as a priority while sailing. Carry all necessary medications along with you and take good rest. The more you look after your body, the better you will enjoy your trip.

4. Last-minute upgrades:
Amenities like bigger beds, rooms, complimentary spa services, rooms with balconies, etc., become available at reasonable prices and deals if they are not sold out by the time the ship sets sail. Check the last-minute offers, upgrade, and avail of the luxuries if you like a discount.

5. Pricey internet:
Phone companies slap you with high roaming charges if you keep using your data without checking the roaming prices or switching to roaming data packs. Most ships have Wi-Fi options for basic tasks like emailing, online meetings, etc. Check with your travel group while looking for Wi-Fi hotspots.

Now that we have discussed some essential things you should know before setting out on a cruise trip, it would be wise to insure your travel as well. Cruises are expensive and can be risky if you don't get your trip insured in case of some unprecedented situations. These can be very stressful monetarily. To avoid this, explore general insurance plans in the market and choose the travel plan which suits your needs.

Click HERE to learn more about general insurance plans

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

'Travel' is often associated with beautiful views, fantastic food, and comfortable hotel stays. Yet, one of the lesser talked about things is the exhaustion one faces during the commute from home to the destination. Delayed flights, crowded lounges, and expensive food are just some of the many things we go through once checked in for the flight. However, airports need not be so stressful. Today we will look at some of the ways to survive exhausting flights and enjoy your flight.

1. Reach on time:
This is a no-brainer. If you are travelling domestically, reach at least two hours before. Many airlines these days have made web check-in available for passengers. So you can skip the long check-in lines and book your seat preference while opting for web check-in.

2. Breezing through security:
Security checks are one of the most dreaded procedures at the airport. A helpful tip can be to keep your laptop, mobile, and wallet handy to save you time in the queue. Another trick is to carry a clear bag to put them all in and then put that bag inside the tray. This way, your things are safe, and you can easily collect them back.

3. Carry an empty water bottle:
Staying hydrated is key to navigating through hectic airports and transit schedules. Water is generally not allowed during security checks, and buying from the airport can be expensive. Instead, carry a water bottle, and once you are through security, fill your bottle through the free water coolers available inside the airports.

4. Light cabin luggage:
Many of us have the habit of stuffing our cabin luggage. But remember that you have to carry your things for the next hour or so, and it can be worse if you are hopping flights. Sometimes there also might be a last-minute gate change, and running across the airport with heavy luggage would be a hassle. Therefore, it is best to pack light. Carry only essentials like water, snacks, and hand sanitisers in your handheld luggage.

5. Wear warm and comfortable clothes:
Wearing comfortable clothes while travelling is essential. The flight cabin can become extremely cold, and freezing for hours does not sound like a good idea. Besides, if you're taking a long flight, you might want to sleep.
So being in comfortable clothes can help you sleep better. Don't forget to carry an eye mask and a travel pillow to make the best out of the in-flight sleep.

6. Carry entertainment:
Waiting for flights can be a long and boring process. Make use of the free Wi-Fi at the airport and download shows, your favourite playlist of songs, and books you enjoy on your device. You can use them during your flight or while waiting to board.

These are a few tips and tricks that you can follow to make your trips less exhausting. Remember that any hiccups you face during travelling are part and parcel of nomadic life. What you can do is to be as prepared as possible. But to err is human, which is why you should invest in general insurance India so that the next time you travel, you are safeguarded against any extra expense and mishaps like damage or loss of luggage, etc.

Click HERE to know about general 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.

There’s an ongoing debate between the importance of health insurance and critical illness insurance. Most people either confuse health insurance with critical illness cover or consider it to be an option. While both insurance plans act as a financial cushion for health-related contingencies, let’s learn the truth about both:

So, now that you know the primary differences between health insurance and critical illness insurance, the question arises of choice. Which of the two should you choose to buy? The answer is that both health and critical illness insurance plans are important for you. Both the plans are recommended for anyone who wants to secure themselves against the financial implications of health issues.

However, if you have a history of critical illness in the family or have certain lifestyle habits that are known to result in certain critical illnesses, it is strongly advised to opt for critical illness insurance too. You can either take this as a cover or standalone insurance. You should have insurance against critical illnesses, such as heart attack, stroke, cancer, coronary artery bypass, paralysis, etc. Additionally, the chances of falling prey to critical illnesses increase with age and could also be triggered by certain other pre-existing diseases, such as diabetes can lead to heart attack and strokes by damaging the nerves and blood vessels of the heart. Therefore, it’s important to be mindful of all such factors that could lead to critical illness, and it’s prudent to take critical illness insurance along with your health insurance plan.

To Sum Up

The best way to secure your health is to opt for both, a health insurance plan and critical illness insurance plan too.  Magma HDI's OneHealth Insurance Policy is one such policy that can come handy for you. 

If you own a vehicle, most likely it’s a bike. A two-wheeler is most people’s first choice due to the low price and easier upkeep. The latter, however, is something that is not always true. Even a small accident, due to your or someone else’s error, can lead to a hefty bill. So, does that mean two-wheelers aren’t as economical as we thought?

It can be if you have the right two-wheeler 2 Wheeler Insurance In India.

Not only is a two-wheeler insurance mandatory by the government, it is also the best way to ensure owning and riding a motorcycle doesn’t become a burden. While breakdowns and accidents aren’t always avoidable, you can plan ahead for when you find yourself in a sticky situation.

Kinds of plans available 

To break it down, there are mainly two kinds of insurance plans available for two-wheelers. One is the third-party liability only insurance which is mandatory for all motor vehicles and the other one is thecomprehensive insurance which protects you and your vehicle as well.One should always go for the latter because not only does it cover your liabilities to the other party in case of an accident, but also your medical bills and biker repair costs.

How important is it?

You might be a terrific rider but can you be sure about everybody else on the road? A comprehensive insurance, in that case, is your best bet for protecting your finances.Your policywill not onlyhelp yourecover the costs of repair but also your medical bills. But the benefits of atwo-wheeler insurance don’t end here.It can also protect you against theft and send you help if your motorcycle breaks down in the middle of nowhere.

What does our truth lens say?

As mentioned earlier, you should always opt for a comprehensive insurance because it covers more than just the third-party liabilities. Apart from this, you should also check how extensive is the insurance provider’s network of service centres and garages.A large network means you are more likely to find one around you for cashless repair.

Another factor to keep in mind is to check the claims ratio of the company. It essentially means how many claims the provider has settled out of the total number of claims made. And of course, you should look for which plan offers most benefits. For instance, Magma HDI’s two-wheeler insurance covers your motorcycle against damage due to fire and explosion, damage in transit, natural disasters and even theft. 

Where to get it?

Have you ever entered into a tenancy contract? If so, have you ever considered the importance of home insurance? Many tenants overlook the need for home insurance India, assuming it is the landlord's responsibility to provide insurance coverage. However, this is only sometimes the case.

In this blog, we will explore why tenants need home insurance India and why it is an insurance policy you must purchase.

Why must tenants purchase home insurance India?
Firstly, let's understand what home insurance is. Home insurance protects your home and belongings against damage or loss due to unforeseen events such as fire, theft, natural disasters, or accidents. A typical home insurance policy covers the building structure, contents of the home, and personal liability. It is important to note that a landlord's insurance policy usually only protects the building structure, not the tenant's belongings or personal liability.

Benefits of having home insurance.
Now, let's consider the benefits of having home insurance as a tenant. Imagine you are renting an apartment, and a fire breaks out, destroying all your personal belongings. Without home insurance, you would be responsible for replacing all your lost items, which can be a significant financial burden. However, you can file a claim and receive compensation for your losses with home insurance. Home insurance can provide peace of mind, knowing you are protected from unforeseen events.

Moreover, home insurance India can also provide coverage for personal liability. For example, if a visitor is injured in your home due to your negligence, you may be held legally responsible for their medical expenses and other damages. In such a scenario, home insurance can protect you from financial liability by covering the costs of any legal claims against you.

Choosing the right home insurance policy.
You may be wondering about the cost of home insurance India. The cost can vary depending on the coverage you choose, the value of your belongings, and the location of your home. However, compared to the potential financial losses you may face in the case of unforeseen events, home insurance is relatively affordable.

Now that we have established the importance of home insurance for tenants, let's discuss the home insurance policies available in India.

Two home insurance policies are available: building insurance and contents insurance. Building insurance covers the structure of the building, including the walls, roof, and fixtures. Contents insurance, on the other hand, covers the tenant's personal belongings, such as furniture, appliances, and clothing.

It is important to note that while building insurance is usually the landlord's responsibility, contents insurance is the tenant's responsibility. Therefore, as a tenant, it is essential to purchase contents insurance to protect your personal belongings against damage or loss due to unforeseen events. You should research thoroughly before buying insurance. Know what can suit your requirements the best and invest in a plan that ensures the total security of your assets.

Investing in home insurance.
Home insurance India is an essential investment that can save you from financial losses due to unforeseen events. Protecting your home and personal belongings is crucial with the rise in natural calamities, theft, and other unexpected events. While some tenants may assume that their landlord's insurance policy will provide adequate coverage, this is only sometimes true.

In conclusion, home insurance is a necessity for every tenant. Home insurance India can protect against unforeseen events like fire, theft, natural disasters, or accidents. It can also provide coverage for personal liability, saving tenants from financial liability in case of any legal claims against them. As a tenant, purchasing insurance to protect your personal belongings against damage or loss due to unforeseen events is essential.

Click HERE to buy 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.