GENERAL INSURANCE BLOG

Financial education is a topic being discussed like never before. What was previously seen as a taboo is now being openly discussed in live conversations and on various platforms on the internet by an audience of different age groups. As modern-day parenting involves breaking down finances by providing the privilege and freedom money brings, children are not far left behind.

Insurance is a fundamental component of sound financial management, which must be introduced to kids early. You can set an example by discussing different insurances with your child in simple words.

Why should you discuss insurance with kids?
You may wonder why discussing insurance with kids is of significance. Simply put, insurance is a mechanism that provides safety cover and teaches budgeting and saving, which are essential for efficient money management. People who have not been exposed to insurance at an early stage tend to take it for granted and realise its importance after reaching their 30s or 40s, when insurance providers hike up premiums, making insurance expensive.
By teaching your children the benefit of insurance, you are making them aware of contingencies, being prudent, and taking covers to monetarily protect themselves from any damage to their property or health. When taught at such an impressionable stage, concepts tend to stick for a lifetime and help in making conscious decisions relating to money.

How to bring up insurance with kids?
Insurance is a complex yet essential instrument that provides safety against contingencies in the future. While necessary, it wasn't easy to understand and pick one for your needs before digitalisation. However, the internet's plethora of resources makes it accessible to all. For example, you can buy your two wheeler insurance online India and show your children the complete process and its benefits.

1. Make use of your kid's prised possessions to pique their interest
Drawing and retaining a child's attention is challenging. However, you can easily explain different insurance types to children using what they hold dear- toys. Insurance protects what matters most from unintended damage. Use this concept to get your child's attention. Insurance discussions with children do not have to be formal and provide the best results when introduced naturally.
Playtime provides the best opportunity to introduce insurance. Using imaginary scenarios and functional characters, you can use them to explain the unpredictability of the future and the need for a safety net.

2. Use of digital resources:
Recently, resources like online courses have seen a rapid increase in demand. Similarly, online creators on platforms cater to simplifying finance for non-specialists, and a specific niche for kids is also developing. Since kids of this generation occupy the maximum screen time, it becomes easy to introduce financial habits in uncomplicated terms through visuals and digital content.

3. Involve your child in making financial decisions:
Choosing where to spend your money is essential to building an ample savings amount and helps determine the individual's financial acumen. Once you have introduced the topics to your child, give them a weekly or monthly allowance of a minimal sum that is enough to purchase a small value item like a snack, and then ask them where they would prefer to direct the balance amount.
You can guide them to invest their money to safeguard their valuable assets like their two-wheelers by researching themselves and investing in the two wheeler insurance online India. Let them know the wonders insurance can have in one's life due to its seamless benefits. This way, your child will gain practical exposure in a controlled environment.

Financial literacy is not obtained overnight and is a healthy discussion that should be initiated at the earliest stage possible. It allows for a greater sense of responsibility in children. The best way to inculcate this habit is through regular discussions about savings and managing wants and needs.

You might give your child a pretty bike or a scooter once they cross 18 years of age. Still, your next step should be advising and motivating them to self-understand the importance of crucial financial investments like insurance. They can start by using the internet for their analysis and learn to invest in two wheeler insurance online India not just to safeguard their asset but more to learn the power of smart investing!

Click HERE to buy two wheeler insurance online 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 is nothing as fascinating as travelling, which allows you to explore new and exciting places, meet new people, identify their culture, try diverse food, and discover local music.

As a traveller, you always want to have a travel experience that is hassle-free and free from any problems. The more problems you encounter on your trip, the less enjoyable it becomes. Tourist traps are one of the major issues that tourists face on their trips. Many scammers and fraudsters roam at these tourist places, trying to scam travellers. This can make your journey unpleasant and uncomfortable.

To avoid such a problem, you should always stay alert and follow certain things that will help you dodge tourist traps. The first layer of safety can be ensured by researching and investing in the best general insurance plans.

The tips and tricks to help you deal with tourist traps are as follows.

1. Blend in well:
You must not look or do the deeds of a tourist. This will make you stand out from the crowd. In this way, you're likely to fall prey to tourist traps. To avoid this, you need to blend well with your surroundings. If it is a new place that you have not visited earlier, do some research in advance. Be aware of the dressing style of the locales and dress accordingly. You should always dress in outfits to camouflage your surroundings and avoid unwanted attention.

2. Go local:
Instead of relying on your guidebook, go for a local option for dining in the city. The fancy and posh restaurants that your guidebook and brochure suggest are often too pricey and not up to the mark. They offer mediocre meals at high rates. You are likely to spend a fortune and then end up with nothing. Hence, it is recommended that you dine locally at cafes and restaurants. Explore nearby areas and discover hidden gems that will satiate your taste buds.

3. Go during off-season:
Although the tourist season is attractive, it has its set of worries. It will leave you with more headaches than you can fathom. From spending more money to getting bad deals, the prime holiday season is a waste of time. If you want to explore a place in peace, then go during the off-season. You will also be saved from tourist traps!

4. Use public transport:
Instead of opting for cabs or taxis, take the train, subway, or bus. You are likely to avoid tourist traps this way. It will also ensure you save a ton of money when taking the bus. If it is possible, walk to nearby distances. There's nothing as fascinating as exploring a city on foot.

5. Don't trust strangers:
When you're in a new city, a large number of people will want to interact with you. They will offer to take your luggage, give you directions, or even offer you a taxi or auto ride. However, you need to be extremely careful in such situations. It is often advised not to interact with such people as they're always looking for a chance to earn more money from fellow tourists. They can also charge a hefty fee for their services or even run away with your luggage in worse cases.

With this being said, you must take all the possible measures when you travel to a new place. You can easily fall into a tourist trap and lose your money and belongings. As a traveller, you would always want to carry good memories rather than stress when you head home from a destination. Invest in the best general insurance plans in advance to avoid problems during your trip.

Click HERE to buy the best general insurance plans and protect yourself while travelling.

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.

River cruises are one of the best ways to explore the country's backwaters and serene pockets with a mesmerising experience. Although it makes for an offbeat vacation, you will carry a bag full of memories on your way home. If you are into nature photography, this vacation will be a haven for you.

From the lush green surroundings of Kerala to the unexplored islands of Andaman, there's a lot to explore and discover as you go on your river cruise.

*Pro-tip
It is advisable to stay safe and secure in your journey, as you'll always be amidst waters. Buy an insurance policy online before you embark on your journey.

Let us walk you through all the possible travel destinations available via river and sea cruises in India.

1. Sunderbans:
Located in West Bengal, Sundarbans form the largest mangrove forest in the world. It is not only large in terms of area but also very captivating as the river cruise takes you through the pleasant delta of the river Brahmaputra. You'll be bestowed with the most picturesque landscapes when you undertake this journey. You're likely to spot numerous flora and fauna as you explore the waters of Brahmaputra. You're likely to spot monkeys, crocodiles, leopards, wild hogs, kingfishers, and Bengal tigers, among others.

2. Kerala:
The river cruises serve as one of the most exciting ways to explore the heart of Kerala. Being a state that is blessed with lush green surroundings and pristine backwaters, Kerala is a haven for nature lovers. While on a backwater cruise, you will feel closer to nature. You will also get a chance to look closely at the state's influential culture. The cruise guarantees you the journey of a lifetime. You can enjoy the fantastic surroundings of Kerala in comfort, luxury, and space. You will also be able to try authentic South Indian food on the cruise.

3. Goa:
There are many ways to enjoy Goa's fun and frolic life, but you must've never thought about spending time on a river cruise. Goa is bestowed with the beautiful Mandovi River, which can be an ideal place for a river cruise. The atmosphere on the cruise is always upbeat and lively. While you immerse yourself in Goan delicacies, you'll be presented with the scenic landscapes of Goa. It is a joy in itself.

4. Andaman and Nicobar Islands:
Andaman and Nicobar Islands is one of India's most stunning places to visit, allowing tourists to explore the unknown. The sea cruises of the islands are grand, elegant, and classy in every possible way. You will be bestowed with naturally green, serene, and exciting surroundings. Apart from that, the cruise is also well-adapted to fulfil all your needs. The amenities present on the cruise are world-class and adapted to the varied tastes of travellers.

5. Assam:
North-east India is a hidden gem of the country blessed with breathtaking views. The Brahmaputra River runs far and wide in this area, allowing tourists to explore it on a river cruise. A river cruise will open doors to several scenic locations like Kaziranga National Park, Majuli, and Guwahati. It is one of the best ways to bask in the glory of Assam.

Vacation cruises are one of the most delightful ways to explore India. It will allow you to look at the surroundings closely and collect lifetime memories. However, it is suggested that you always ensure your safety before setting out on a journey. Buy insurance policy online while booking your tickets, and be rest assured of your belongings and travel safety.

Click HERE to buy insurance policy online.

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

Do you often hear your employees nagging about how team-building activities are childish? Then, it's high time to drop the regular events and gear up for jaw-dropping adventures.

The whole point behind organising these events is to make the team creative and shed light on aspects like leadership, etc. This is the best way to energise the team and find great leaders. The more stress-free the environment is, the more productive the employee will be.

Often, excruciating projects affect the creative perspective of the team. Engaging in sports will cultivate mindfulness and creativity. Stay tuned till the end, and strike down boring ping-pong tables, regular parties, hackathons, etc., because we've got something interesting!

Still not convinced? Take a look at this blog; we will cover some of the mind wrecking adventures.

1. River rafting adventure:
For an exhilarating day, river rafting is highly advised. Water games always tend to be an ideal release of stress. The interpersonal relationships make the river rafting adventure fun and leave memories that last forever. This helps to build trust among the group where all team members in the raft paddle in coordination and motivate each other to put in their best efforts.

2. Paintball army:
Adventure sports are the thrills most people want to taste once in their lifetime. And this is the one that brings out the adventure seeker and the curious kid in everyone. All you need to do is make separate army troops and establish a real-life war zone.
And before you know it, you can build a strategic thinking and warrior mindset. The very fabric of teamwork is what makes the team win over here. Get ready to take charge of the paintballs, hunt down your targets, and spend a thrilling day enjoying yourself.

3. Get the adrenaline pump:
Would you drop down the chance if allowed to go on a group cycling in difficult terrain? Sounds exciting, isn't it? Rock climbing, paragliding, trekking, and many others are hands down amazing mental and physical puzzles. This develops the risk-taking mindset and gives employees a much-needed break from their work routine. Pick spots that offer these adventure sports and plan a day out to savour nature's unparalleled beauty along with the intensity of heart-throbbing adventures.

4. Turf tournaments:
Every person brings a different competitive edge to the table. As an employer, you need to set a perfect environment without fear of failure. Nothing other than a game of soccer or cricket can manage to build teamwork. Suppose you have 30 employees; you can create 5 to 6 teams and play an internal tournament on turf pitches. Everyone will strive to bring home victory by focusing on one common goal by keeping sportsmanship as their priority. In this process, they will realise their strengths and build a mindset of understanding each other. So, naturally, instead of performing well individually, they will accomplish tasks working together

5. Escape room:
Here's the last one on the list. While it may not be an outdoor game, it's hands down the best pick to escape real-world problems. Picture this: Getting tossed into a room with challenges sounds exciting. And remember, all of this while the clock ticks off. When this is done with the entire team, it enhances collaborative leadership and strategic thinking.

These adventures are not just a medium of entertainment but also a useful resource to energise the employees and encourage them to perform tasks in unity. Rewarding your employees with such exciting breaks once in a while makes them feel valued and allows them to indulge in less mundane and more enthusiastic activities.

But remember that any adventure is enjoyable only when safety is assured. Accidents come uninvited, but a comprehensive personal accident plan can make up for the damages done to an individual due to a mishap and compensate for it without the policyholder worrying about the finances. You may seek affordable health insurance plans to get comprehensive coverage against mishaps. This way, you can focus on enjoying the adventures with happiness and vigour.

Click HERE to buy affordable health 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.

The strict implication of rules and regulations in a densely populated nation like India is required to maintain law, order, and discipline. Several rules have been laid down over time and are also ever-changing, with constant reforms.

But, due to the lack of awareness of the existing traffic rules, most people suffer losses in terms of fines on the road. When you end up paying fines on the road, you're causing a financial and ethical loss to yourself. It can be easily avoided if you have a better knowledge of the country's traffic rules.

If you lag in keeping up with traffic rules and regulations, then you'll benefit from this article. Regardless, we suggest you stay up-to-date with your insurance so that your vehicle does not undergo any damage. Book your calendar in advance for your car insurance renewal so that you don't have to face the discontinuity of your policy.

Further, we will highlight some of the country's lesser-known traffic rules. They will help you save up on fines and stay informed while driving on Indian roads.

List of some lesser-known traffic violations in the country:
1. You violate traffic rules if you have tinted glasses on your car, truck, or van. You are entitled to a fine of INR 100 or more, and your licence can also be suspended. Various State Governments first ordered the removal of tinted glasses. The rule is extremely strict, and it does not spare anyone.
2. All the big cities like Delhi, Mumbai, and Bangalore have a rule of mandatory silencers in all vehicles. If your vehicle does not have a silencer, you are likely to pay a fine of about INR 10,000. This has been done to keep the noise pollution levels in check.
3. If you use high-beam headlights at night, you are likely to pay a fine of INR 500. It is done keeping in account the increasing number of road accidents due to the use of high-beam headlights at night. It is considered extremely dangerous. On the contrary, if you are found driving without headlights at night, you also have to pay the penalty for it. Ironical yet true!
4. Smoking inside the car is prohibited in India. If you're found guilty of this, you'll have to pay a fine of up to INR 500 for the same. The act of smoking is harmful to the driver as well as the co-passengers.
5. In most metro cities like Kolkata and Chennai, it is necessary to have a first aid kit in your vehicle at all times. Failure to produce one upon inspection can result in a fine. It was done to ensure the safety of the driver and the vehicle's passengers. It is also mandatory to follow this in the case of new vehicles.
6. The use of pressure horns is liable to be fined in India. If you have installed a pressure horn in your vehicle, you might have to pay a fine of about INR 1,000 or more if stopped by the police.

All drivers in India must remember these lesser-known traffic rules when they hit the road. It will save a lot of time, effort, and money. Further, it will ensure your safety and prevent you from getting in trouble. It is crucial to abide by the traffic rules and encourage others to do so. Keep all your documents up-to-date and handy, especially the PUC and car insurance. You should never miss out on your car insurance renewal. Take charge of your role as a responsible driver.

Click HERE to get car insurance renewal done instantly.

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.

Nothing beats the peaceful enjoyment of a long solo drive. With the weather being nice and pleasing, it is the perfect time to plan a solo car trip to detox from the busy lifestyle and the city hustle.

But with the fun aspects of solo trips, it is also true that solo travelling is somewhat unsafe since you are going long distances all by yourself. It is crucial to acknowledge the perks of car insurance India can be beneficial during emergencies.

So, to make your travelling experience more enjoyable, here we have eleven safety tips for long-distance driving.

1. Remember to take frequent breaks:
A long drive can be entertaining but also exhausting. So, remember to take breaks from driving, get out of the car, stretch out your muscles, have quick snacks, and hydrate yourself.

2. Be careful with your luggage and cash:
When you're on a solo trip, you are basically on your own with the security of your belongings and valuables. Make sure you lock your car when you move out for a refreshing walk.

3. Interact with the local people:
Local people are the best way to know more about the place you are travelling to. Be kind and interact with the locals so they can help you have a safe journey while making your trip more memorable.

4. Have good knowledge of the policy of car insurance India:
Danger never comes with warnings. So always ensure that you cover your car under a legal insurance policy.

5. Be safe with your routes, but don't be afraid to explore:
When you're on a solo trip by car, you always have to be extra careful with the route you're taking for your adventure. While it is necessary to remain safe, don't be afraid to explore the local attractions of the places you travel and enjoy their authenticity.

6. Prepare yourself for anything unfortunate:
While travelling solo, you should always be prepared for the worst. Always carry pepper spray and/or a safety knife with you. Cases of solo travellers being attacked are common, especially in isolated places. Try staying in places where the network is working, so you can always contact the emergency services if you need to.

7. Educate yourself with the basic knowledge of the regional language:
If your destination has a predominant language, it is best to learn some basic phrases in their language so the local people can help you out in case you need them. Simple phrases like greetings, help requests, etc., should be in your vocabulary for a safe travelling experience.

8. Don't blindly trust strangers:
The age-old advice of not trusting strangers is a legitimate one. You can never predict people's true intentions, so while it is good to be nice in general, don't trust everyone you meet on your trip.

9. Don't eat or drink from unverified sources:
Being on a solo trip to foreign destinations will require you to be properly informed and careful with everything the place offers. So, for the sake of your safety, do not eat or drink from places that seem suspicious or unhygienic.

10. Follow a modest dress code:
While it may not be an issue in some places, it is always important to dress modestly if you plan to go on a solo trip somewhere unknown.

11. Have your entertainment sources with you:
While solo car travelling adventures are always fun, things can quickly get boring. So have a playlist of your favourite music to groove and enjoy your trip even more. Books and magazines are also a great way to entertain yourself during breaks.

We hope your solo travelling adventure is refreshing, entertaining, and safe. Prepare a quick checklist and note down all the crucial tasks to make your trip convenient. Start with taking your car for servicing. Pack light, do not stuff your bag with unnecessary things, and most importantly, carry a first-aid kit. Have all the required documents like driving licence, PUC, car insurance India, etc., handy with you. Keep these tips in mind for a better experience, and lastly, have a safe journey!

Click HERE to buy car insurance India.

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

India is a country with diverse topography, culture, and people. Since the urbanisation boom, most of our population has shifted from villages to cities in search of opportunities and better lives.

Recent trends indicate a welcome change as the increasing number of people are opting for village tours to experience rural life in stark contrast to the everyday bustle of the cities. These village tours help support the rural economy and boost tourism.

The unparalleled experiences in remote villages are an experience like no other. These tours provide a glance at everyday village life, including the local cultures, food, and lifestyle. These experiences can significantly change the way we perceive life.

What to expect from village tours?
Village tours are a great way to get an idea of what village life looks like for a short period. It is an immersive experience where you can interact with villagers and be amongst the common folk. You can feel the sense of community engagement while enjoying the pristine rural background.
Some tours also provide a luxurious experience through well-built camps equipped with all the requisite amenities. However, as you are stepping into a lifestyle unknown to you, it is best to be prudent and insure yourself and your fellow travellers. If you do not yet have a travel insurance policy, you can consider purchasing online general insurance that covers accidental mishaps.

Following are some of the best villages tours in India;

1. Kutch:
The white desert in Gujarat is home to several villages where they continue to preserve and exhibit their traditions, culture, and handicrafts. While the desert has plenty to explore, the villages provide an opportunity to live in clusters of mud huts and engage in the daily activities of the Kutchi people.

2. Punjab:
Punjab is an ideal place to experience village life. With a majority of people engaged in agriculture and allied activities, the hospitable villagers of Punjab are great hosts for facilitating this experience. One can experience tractor rides, farming activities based on the season, and learn more about their culture. All of this can be done in vast fields with clear skies in the backdrop- how much better can it get?

3. Wayanad:
The district at an altitude is home to some of the oldest tribal villages. The North Kerala cuisine, coffee plantations, bamboo handicrafts, and workshops are highlights of visiting the villages of Wayanad. Depending on the season, you can try your hand at working in the vast plantain orchards and coconut plantations.

4. Spiti Valley:
Spiti Valley is a cold desert in Himachal Pradesh with small villages spread over the region. Although the villages are sparsely populated and very remote, they provide a unique experience. The unfamiliar surroundings in the mountains may seem cold, but the warmth of the people makes up for it.
The locals are excellent guides to take you sightseeing and can help make the most of your trip while bonding with your hosts.

5. Sunderbans:
Known for being the land native to the Royal Bengal Tiger and swampy marshlands, several villages are located in the Sunderbans. Walks in the villages, exploring the mangroves, and basking in the humid climate are what your days would look like on a village tour to Sunderbans.

Irrespective of the village you choose to explore, you will be greeted by enthusiastic and hospitable hosts who will do their utmost to make your stay enjoyable and comfortable. Your hosts will ensure to engage you in a trip that will leave you feeling like you're amongst them without missing out on any luxuries or facing any inconveniences.

Our only tip to you before you book your trip would be to look into the terrain and climate and pack accordingly. Be aware of the risks associated with the area you're visiting and ensure that your insurance covers the same. If not, you can always buy online general insurance that can keep you protected at all times.

Click HERE to buy online general insurance plan.

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

A two-wheeler provides many conveniences and advantages, particularly in terms of time savings. Two-wheelers are becoming increasingly popular as a form of transportation, mainly in urban areas where traffic congestion is the main issue. However, two wheelers are also more inclined to accidents.

If you encounter an accident while riding, make sure to check yourself and your fellow passengers before moving on to the next step. Look for any indications of pain in your body. Check your accessories to see what body parts have touched the ground. You may have been hit in one or more of these body parts if your jacket, pants, shoes, gloves, or helmet have any sign of damage. Before determining the motorcycle's condition, check your physical health.

Sometimes it's impossible to stand the bike back up, and you need assistance. It might have fallen in an odd place, or maybe it's too heavy. Yet again, it's a huge, hefty piece of equipment, so don't feel guilty asking for help.

Make sure it is safe to ride by giving it a quick inspection. Here is the checklist you can follow to know about the damage done.

● Check the fluid levels even if you cannot see anything under the spot where the bike fell over. It might be a case of the coolant splashing out of the reservoir, or the braking fluid reservoir cap coming off. Do not ride the bike if the brake fluid reservoir has air in it, the fluid level is low, or it is leaking. The consequences of having air in your brake lines go far beyond simply dropping your bike.

● Inspect your handlebar and ensure the clutch and brake cables didn't break or bend in a way that will make the bike unsafe. Confirm the foot pedal controls in the same way, assuring the shifter isn't jammed and the rear brake pedal isn't locked or jammed.

● Ensure that the motorcycle starts! Some motorcycles include tip-over sensors, which won't immediately turn back. This can usually be resolved by turning the key on and off.

● If you have a bike with carburettors, the fuel may have leaked out, and you will need to give it a few revolutions to get the gas back into the system.

● The main cause of a motorcycle that won't start after tipping over could be a problem with the gasoline supply, such as too much petrol spilling into the engine cylinders. A broken internal switch or a disconnect in the electronics due to the crash could be present in the motorcycle.

● Sometimes too much fuel from the carburettor might be pumped into the engine cylinders when a motorcycle is knocked over.

● The spark plug's contacts may become wet from the gasoline if too much fuel is put into the cylinders, preventing it from sparking.

A motorcycle has numerous connections that must all work together to turn over. The connection to the battery is one of the most crucial. Over the period, the connection created on a battery becomes brittle because of the rust on it. So, inspect the battery for any faults or loose connections, and once this is fixed, you can start your bike.

Even though a two-wheeler has many advantages, it has a unique set of risks. For starters, the possibility of a surprise collision increases the risk of both the rider and the pillion rider suffering injuries and potential two-wheeler damage. This may result in increased financial hardship.

This then makes sense to buy bike insurance online to avoid adding extra expenses to your budget if something unfortunate happens to your motorcycle. Also, ensure that you have the safety gear and important documents handy before planning your trip. Making the right purchase will handcraft you a safer and more immersive riding experience!

Click HERE to buy bike insurance online.

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

Cat eyes reflectors are also known as road studs or raised pavement markers. They are safety devices installed on the roads and reflect or emit light flashes at night. You can commonly see them on roads or highways while driving. Drivers use them as lane markers to guide vehicles on dark roads.

Cat eyes reflectors reflect light to a light source, such as a car’s headlights. Hence, when driving on a dark patch of road, these reflectors reflect back light to your vehicle. This helps you to identify the sides and centre of the road and minimise the chances of a mishap.

Types of cat eyes reflectors:

There are primarily four types of cat eyes reflectors in use.

1. Plastic:
Reflectors made of plastic are the least durable and not as strong as the other types of reflectors. They are good to use on the sides of bridges and highways.

2. Aluminium:
These reflectors are made of aluminium and hence, are strong enough to withstand the load of heavy vehicles. These have reflective objects installed inside them. They are also ideal to use in the middle of the roads because of their strength and durability.

3. Glass:
You will also spot reflectors made of hardened safety glass. They come with a coating on their bottoms that reflect the light back to the source.

4. LED:
LED cat eyes reflectors are the most advanced as they have solar panels on their tops. This acts as their energy source and helps them to emit blinking light at night. They provide the brightest light and have much better visibility than the above three types of reflectors.

Advantages of cat eyes reflectors:

● Enhanced visibility:
The primary advantage of cat eyes reflectors is to make night driving safe and secure and minimise the chances of accidents. They help to make corners of traffic lanes visible at night and ensure that the drivers do not skid away from the roads, especially at dangerous curves.

● Prevent unsafe lane changing:
Cat eyes reflectors mark the lanes on the roads. This ensures that vehicles do not frequently change lanes or swerve from one lane to another, causing accidents.

● Speed control:
Cat eyes reflectors also act as a road rumbling strip. The traffic automatically slows down while passing over them since they act as barriers to speed. Thus, they help to control rash driving.

● Durable and easy to install:
These reflectors are very durable, economical, and easy to install than other lane markers. They do not come out by themselves when attached to the roads. Also, there is very little chance of their theft. Hence, they have a very long life.

● Multi-coloured:
Cat eyes reflectors are multi-coloured. While this increases their aesthetic beauty, each colour has a special meaning too. White reflectors denote lane divisions and centre marking on the roads, and red reflectors denote lines that we cannot cross. Green reflectors denote the lines we can cross, such as entrances to service lanes.

Cat eyes reflectors are excellent warning devices on roads inside cities and highways. They have a special role on highways since there are few streetlights, and vehicles run at high speeds. The governments have increased their usage in recent years. It is a step in the right direction as they enhance the safety and security of all types of vehicles plying on the roads.

Similar to cat eyes reflectors, online motor insurance takes care of our vehicles in the best way possible. Buy motor insurance online and receive the safety and security of insurance combined with the convenience of buying it right from your home or workplace without visiting the insurance office personally. Hence, it is the best form of comprehensive coverage and the most recommended one.

Click HERE to buy motor insurance online.

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

The Covid-19 pandemic has led to a demand for health insurance policies. People are now aware of the importance of health insurance cover in case of sudden hospitalisations and expensive treatments. Moreover, many people also opt for it to avail of tax benefits.

Let us take you through a few lesser heard facts about health insurance plans in India. This will facilitate you to make a better and informed choice if you are also planning to buy a health insurance policy for yourself and your family.

1. NRI health insurance policy:
It is now possible for a non-resident Indian (NRI) to avail of health insurance cover in India. An NRI person will have to submit residence proof along with other necessary documents. Companies use Indian parameters to ascertain the cost of the treatment and premium amount. The treatment will have to be done in India to enjoy the policy benefits.

2. Pre-existing diseases:
Yes, you can get health insurance coverage even with pre-existing diseases. The insurance company will start coverage after 36 or 48 months of buying the policy, as per the terms and conditions. You will have to disclose the ailment at the time of buying the policy; otherwise, the insurance company can reject your claim at a later date.

3. Limits:
There are sub-limits set under your policy cover for certain types of expenditure. Generally, insurance companies put a cap on room rents based on the total sum insured. For example, suppose your total policy cover is 10 lakh rupees, and the room rent has a cap of 1% of the total cover. You are eligible to spend only Rs.10000/- a day on the room rent. You will have to pay it from your pocket if it exceeds that amount.

4. Recharge of the insured amount:
Exhausted your health insurance coverage amount? No need to worry. Some insurance companies allow us to recharge or upgrade our policy cover amount! For example, suppose we have insurance coverage of 5 lakhs INR, and it gets exhausted. We can opt for the refill and reinstate the cover if we need it over the remaining tenure.

5. Daycare coverage / Maternity coverage:
Many health insurance companies have started providing cover, even for daycare procedures. The patient need not be hospitalised for over 24 hours to benefit from the cover. This has made it convenient for people undergoing procedures such as chemotherapy, dialysis, radiotherapy, etc. Similarly, some policies now provide us coverage for maternity-related expenditures as well.

6. No age restriction:
Some insurance companies have started providing health insurance coverage without restricting the insured's age. People over 65 years of age can also get health insurance coverage now. Moreover, they can also buy a family floater plan and get coverage for their spouse and other family members as well.
The policy will remain functional and valid until the insured continues to pay the premium for the policy timely. They cannot deny the coverage with the growing age of the insured.

7. Reimbursement policy:
When purchasing, we generally check the network hospitals first in our health insurance policy in India. It is believed that the policy benefits will apply only in those hospitals. This is not the case.
Coverage is valid and works even when admitted to a non-network hospital. It does not matter if it is not on the list of eligible hospitals for cashless treatment under a policy. Patients will have to settle the bill themselves at the time of discharge. The insured will get reimbursed from the insurance company at a later date after the submission of all the required documents.

One should carefully go through the terms and conditions of a policy before opting for it. You should not just get lured by a low premium amount. It may exclude coverage for certain treatments and facilities, and you may suffer later at the time of need. The benefits and coverage provided under health insurance plans in India vary from one company to another. Hence, be prudent and choose your health insurance policy wisely.

Click HERE to know more about the best health insurance plans in India.

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

When we talk about travel, everyone likes to get some discounts and save money on expenses. You can save on many things, like a flight, a place to stay, food, insurance, car rental, etc. Always remember that an insurance plan is essential as it helps cover many things, like your flight getting cancelled or your baggage being stolen. Buying general insurance India is a prudent practice when planning your trip

Here are some valuable suggestions which help you reduce travel expenses, irrespective of the destination. Travel smart with our nifty tips!

1. Compare flight tickets online:
Nowadays, comparing fares of different airlines has become convenient online. You can browse a third-party site on your browser, type in your location, destination, and return trip, and instantly get the list of available airlines. Book your ticket 4 to 5 months before your departure, as booking at the last minute can be costly.

2. Try to travel by train:
Train travel is slower than air, but it can save you a lot of money. Book your train tickets online to access different options and avoid paying any commission to the agents.

3. All you need to do about your luggage:
You should know that checked-in baggage fees can add up, especially when you travel by air. Try packing a single carry-on luggage, and you can avoid wasting time checking in and picking up luggage during transit or when you land at your destination. Also, you may buy online general insurance India before your journey to cover the loss or theft of bags and avoid the fear of losing your baggage.

4. Get the best hotel deals:
Most people go for big hotel brands, which ensure a luxurious stay, but there are several charges for amenities you might never consider using during your trip. Overbooking also makes these hotels expensive and crowded.
Opting for affordable hotels that provide excellent amenities and hospitality is a smart way to save money. When planning your trip, you can research and compare the budget and facilities of different hotels through different online hotel booking portals.

5. Book activities ahead of time:
Most people mistakenly buy tickets for museum entry, park admission, and other activities on the spot or when the prices rise due to too much demand. Book tickets for such activities before you visit them and avail yourself of discounts and rewards. You can also get a group discount if you are travelling in a group.

6. Use rewards programs:
Joining rewards programs offered by airlines and hotel chains can help you snatch some fantastic deals. If you plan to visit multiple cities during your trip, book your first hotel and use your accumulated points to book the next one at another destination.

*A smart tip to save more on your transportation
When visiting a new destination, search for the available public transport in that city and book them in advance if you plan to explore the location during the busy season. Don’t be afraid to ask the locals about transportation & the best places to be & eat. This helps save money and explore the city in & out from the view of a local!

Follow these tips to plan a perfect trip without putting much strain on your pocket. Get good general insurance India that covers several things. Look for special coverage in your insurance if needed. If you smartly know how to use online resources, then you’ll successfully execute budget-friendly trips almost every time.

Click HERE to buy 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.

Do you think you find yourself mislead while purchasing car insurance? Most people lack knowledge of car insurance coverage, legal terms, and exclusions. While we understand the core concepts of it can be vague, it is essential to understand the advantages and limitations of the car insurance policy. So, the best way to get to the crux of this is to read this blog until the end.

First-time car insurance buyers have numerous questions bombarding their minds and leaving them clueless about making the right choice. In this space, we will be looking at the most frequently asked questions so that you can choose the best-suited policy.

1. Is it mandatory to take a car insurance policy in India?
Yes, it is indeed mandatory. As the days pass, we witness an alarming increase in road accidents. According to the Motor Vehicles Act, 1988, it is stated that while driving on Indian roads, it is essential to have a car insurance policy to drive legally. At the very least, you must possess a third-party car insurance policy.

2. Is it necessary to buy car insurance for old cars?
Whether old or new, you must purchase insurance for all types of cars. But the only thing that stands out when buying old car insurance is the premium amount. It is comparatively lower since the market value goes down as time passes.

3. What are various types of car insurance available in India?
At present, there are only two types of car insurance policies available. Third-party car insurance policy is most commonly in demand. It includes both third-party financial and legal liabilities that the policyholder is covered.
The second most popular, comprehensive car insurance, has more excellent coverage of damages. It is said to be the most efficient in terms of protection. The liabilities arising from vehicle damages of the driver/owner and third-party liabilities are covered.

4. What does no claim bonus mean in a car insurance policy?
Throughout the policy tenure, if a policyholder does not claim, then the respective insurance company issues an NCB (no claim bonus).

5. What are the additional covers?
To enhance protection, the insurance companies provide additional covers. These include engine protection, roadside assistance, and zero depreciation. This is entirely optional and, when chosen, needs an extra premium to be paid. Add-ons can be effective as an immunity booster for your insurance plans.

6. Do the online car insurance policy documents have the same validity?
Yes, both printed and online insurance policies have the same validity. You receive the documents through email if the policy is purchased online. You can save it or choose to download the same. Online car insurance has the massive benefit of having the freedom to purchase independently. You can directly visit insurance providers' websites and surf multiple options that suit your needs.
Technology is shaping the future of the insurance industry and is providing customers with the convenience and liberty of making purchases without the involvement of intermediaries. This significantly reduces the cost and makes the process hassle-free.

Investing in securing your assets is the intelligent choice to manage your finances and stay stress-free during emergencies. We are sure you have a basic idea of concepts in car insurance. And now, you can ask the right questions while you buy one upon your next renewal or new car insurance.

Click HERE to know more about the process of buying car insurance.

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

Are you somebody who recently bought a vehicle or is planning to buy one? If your answer is yes, you already know how crucial it is to learn to drive from a professional. We live in a world where everybody is busy with their routine. As a result, learning to drive all by yourself can get overwhelming. However, it'll be better if you attend a driving school to get the best results while minimising driving risks.

These institutes will provide you with appropriate training and precise knowledge to make things more convenient. There are several schools available these days, and you may choose among any of them depending on your preferences, requirements, and budget.

Let us now take a detailed look at why you should enrol in a driving program.

1. Professional training:
One of the main reasons you should attend driving classes is that these schools will provide you with appropriate professional training. If you pick the best school, you will get access to practical and theoretical knowledge, making it convenient for you to get the best help under professional guidance.
Not just that, but they will also teach you how to drive while maintaining traffic rules effortlessly and effectively. In addition, you learn to operate in a safe environment, which significantly boosts your confidence.

2. Safe-driving practices:
The second reason you should take a driving school's help to learn more about different safe-driving practices. If you are scared of driving, this factor will help you by a wide margin.

3. Know about the different rules and regulations:
Another reason you should join a driving school is that they will teach you the rules and regulations you must follow. Not just that, but they will also help you understand more about traffic signs and what to do when you see one.
Driving schools provide their students with new and improved guidance for the best results. All of these factors will help you abide by the law and avoid violating them.

4. Driving habit improvement:
If you already know how to drive but wish to enhance your driving habits, the best thing you may do is enrol in a driving program. You will be trained by professionals to acquire the best guidance.
They will help you learn more about the different techniques and how to get out of a problematic situation on the road. This factor will also assist you in avoiding accidents and make you ready for any challenges that you might face in your day-to-day driving.

Although learning to drive is a long process, it is necessary because it helps you become a responsible driver. An efficient and reliable driving school focuses on training you on the safety aspect, knowledge of traffic signals, and helping you learn the driving rules. Before taking charge of the steering wheel, you must ensure that you prioritise all measures needed for a safe ride for you, your vehicle, and the other commuters on the road.

Fasten your seatbelt before giving the ignition, keep all required documents handy, and lastly, buy new car insurance if you don't have an existing one. Insurance is not just to avoid paying fines but, most importantly, to protect your asset with reliable coverage.

Click HERE to buy new car insurance.

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

A maternity health insurance offers financial support for childbirth. It pays for a hospital stay for a natural birth or a C-section. The insurance covers the delivery and baby care up to a certain number of days in the hospital.

Purchasing maternity insurance online offers the following advantages:

1. Time-saving and hassle-free buy.

2. A quick-click option to compare insurance policies.

3. Online promotions like coupons, points, etc., one can save money while making a purchase.

4. There are no agent commissions because insurance companies or aggregators also sell products online directly. As a result, online maternity insurance is less expensive.

5. You can purchase the maternity insurance plan from the convenience of your home or workplace.
 

Terms and conditions for maternity insurance:

1. The maternity benefit will expire along with the base plan.

2. India's Insurance Regulatory and Development Authority has set rules to change the benefit amount.

3. Maternity insurance benefits are available only in India.

4. The claim will be paid out in Indian rupees.

5. There will be a set number of days of waiting before one can use maternity benefits

Add on covers for maternity insurance:

The maternity insurance itself is available as an add-on to the base plan. The basic plan is regular health insurance coverage that provides financial protection in a medical emergency. It pays for hospital bills as well as other healthcare-related costs.

Maternity health insurance eligibility requirements:

● The exit age has been set by certain insurers at 45 years of age, with the entry age being 18 years.

● Some insurance providers allow the maximum number of maternity claims for two children. If you lose something, there can be exceptions.

Required paperwork to support a maternity claim:

● ID verification and a discharge summary

● A claim form, a health insurance policy

● Pre-authorisation document for claims involving cashless payments

● Prescriptions for drugs and other products

● Any other paperwork that the insurance provider may ask

What is the procedure for filing a claim for maternity benefits?

Cashless claim:
For a cashless claim, the birth must occur in a network hospital. The insurer must be aware of the claim at admission to a network hospital. The policyholder only needs to pay a small amount toward deductibles after the claim is authorised, and nothing further is necessary. The insurance provider will handle all additional costs immediately.

Reimbursement claims:
For such claims, the policyholder is not required to receive treatment at a network hospital. You may use any hospital of the insured's choosing for delivery. To file a reimbursement claim, the policyholder must maintain a record of all relevant paperwork and invoices

Why should you purchase maternity health insurance?

1. Financial support:
In some regions of India, the cost of giving birth and having a baby can range from 50,000 to 100,000 rupees. One can assume that if a woman buys pregnancy insurance, she and her baby will have access to better medical facilities with the support of maternity health insurance.

2. Surgical deliveries are expensive:
Natural birth can be hard on both the mother and the baby, which is why a surgical or cesarean delivery is sometimes needed. In this situation, the baby is delivered by major abdominal surgery. A natural delivery is substantially less expensive than a cesarean section. The mediclaim policy with maternity coverage may pay for these expenses.

This add-on of health insurance ensures peace of mind for the parents. Once the cost of a maternity cover is offset, expecting parents may concentrate on savouring this significant life event. You can make plans for the baby's name, nursery design, baby welcome celebration, and much more with a clear head. Consider purchasing this useful and efficient add-on cover to make your parenting time more memorable and stress-free.

Click HERE to buy the health insurance policy for new parents

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

Tubeless tyres have been a great invention to make the lives of car owners more convenient. Despite the extra cost as compared to tube-type tyres, these make driving a lot safer by preventing the vehicle from losing balance with a sudden tyre puncture. Tubeless tyres have an air cushion between the tyre and the rim. This prevents air from rushing out of the tyre in case of puncture and allows the slow discharge of air.

With these enhanced safety features, it is not surprising that tubeless tyres are preferred over ones with a tube. But with these advantages comes the complexity of changing it when it experiences a puncture.

This blog aims to give you the information you can use to identify and fix punctures in tubeless tyre easily.

Tubeless tyres are relatively easy to fix. Spending too much money on a mechanic to fix it is not advisable. But it is important to thoroughly inspect the tyre before getting your hands dirty. This will prevent you from missing out on additional punctures that might not be visible at first glance.

Tools required:
Buy a puncture repair kit from your nearest car spare parts shop. This repair kit will include a rasper, rubber strips, and a strip insertion tool. You might also need pliers and a knife to remove any external substances stuck on the tyre. You will also need a tyre inflator to fill in the air lost.

Procedure:
The procedure is slightly more complex for the back tyres because of their inability to be steered as easily as the front ones. For the back tyres, a jack must first lift the vehicle and remove the tyre to fix it.
1. Pour some water onto the front and back tyres to locate the puncture. If it's on the front tyres, it will be enough to steer it from left to right to access any holes. However, remove the tyre if the hole is on the back tyre.
2. Use the plier to remove the sharp object that punctured the tyre.
3. Next, you need to make a smooth hole of an appropriate size to insert the rubber strip to fix the puncture. To achieve this, take the rasper (also known as a smoothening tool) to smoothen the hole created by the sharp object.
4. Leave the rasper half embedded in the tyre.
5. Some sewing tactics will be a necessity here. Carefully insert the rubber strip into the insertion tool without disturbing rasper. This will be a similar process to threading a needle.
6. Carefully extract the smoothening tool from the tyre, replace it with the rubber strip, and shove the entire length into the tyre. As this process is completed, remove the insertion tool.
7. The knife will make its appearance at this step. Carefully cut the strip that protrudes out of the tyre.
8. Use a tyre inflator to fill the air which had already escaped from the tyre. A portable tyre inflator is available online or in your nearest car parts shop.

Although it is safe to drive a vehicle with a punctured tubeless tyre for a certain distance, it's best to get it fixed as soon as possible. Driving with punctured tyres is risky and can invite unwanted trouble. Also stay protected with comprehensive insurance for your vehicle. Buy car insurance policy online and get the perks of reliable coverage that can safeguard your car against mishaps and expenses.

Click HERE to know more and buy car insurance policy online.

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

Travelling by car is one of the most exhilarating experiences that you can have. It is fun with friends, family, or even your partner. It adds to the charm of the journey and makes everything all the more exciting. However, owning a car can be a hassle in itself. You need to have enough money to purchase and regularly maintain it.

Renting a car is one of the prevalent alternate options for hassle-free driving in India. You can easily rent a car in India for a weekend getaway, road trip, or family emergency.

But what happens if any damage is done to the rented car? Well, that's when the Collision Damage Waiver comes into play. If you do not know much about it, this article will help you navigate it. It is like private car insurance India for your rented car. Let's find out more about it.

What is a Collision Damage Waiver?

As the name suggests, the Collision Damage Waiver protects your rented car if a collision occurs. This is an insurance cover that is easily bought with a rented car. You will be waived off all the damage fees or compensation when a collision occurs. However, every insurance company must have different terms and conditions for this coverage. You should read them carefully before you buy a Collision Damage Waiver.

Although renting a car in India is easy, simple, and reliable, most details are still unknown to the general public. One such detail is insurance coverage. It is crucial to always opt for private car insurance India for your rented car. This will protect you from the extra fees or bills you need to pay in case of a collision.

Imagine this hypothetical situation. You are driving an extremely narrow or hilly road with your friends, and you fail to see a coming vehicle and lose control of your car. This may cause you to hit your car on a pole or tree, leading to several dents and damages to the rented car.

Now, what will happen in case you have a Collision Damage Waiver?

What is covered under the Collision Damage Waiver?

Several things are included in the cover of your rented car under the Collision Damage Waiver or CDW. These are:

● Damages or dents to the rented car

● Theft or loss of the rented car

● Towing the rented car to the nearest garage

What is not covered under the Collision Damage Waiver?

Before purchasing the insurance cover, you should also have a brief idea about the things not included in the cover. These are:

● Violation of traffic rules and the damages caused due to that

● Damage to third-party properties

● Damage to other people

● Any damage to the things present in the rented car like gearbox, wheels, windshields, etc.

Renting a car is a growing norm among the new generation. You can easily rent a car for yourself with a single click. The whole process is available to all without any hindrances. However, you must consider all the possible options before you buy the Collision Damage Waiver for your rented car. It has many benefits that can save you from paying the bills of damage to the car. It is recommended to always be on the safer side and purchase private car insurance India coverage in advance before you use the rented car.

Click HERE to buy reliable private car insurance India for your rented 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.

Two-wheelers are the most convenient mode of transport in India. They are budget-friendly, easy to handle, and come with multiple features and various designs. This makes them a popular choice amongst Indians to travel on narrow, inadequately maintained roads with constant traffic due to poor driving etiquette.

While vehicles are no longer designed to fit the fancy of a specific gender, it is easier for women to choose the suitable model, manoeuvre it and ride on the road.

If you are a woman or even a beginner looking to buy a new two-wheeler, here are some features you should look for to find your perfect ride.

1. Budget:
It is only possible to purchase after deciding the budgeted expenditure. Keep in mind the expected utility, life of the vehicle, and additional expenses of fuel, maintenance, and insurance while fixing a budget. With the plethora of options available, it should not be difficult to find a 2-wheeler within your budget, which can range upwards from ₹50,000. However, fixed expenses like 2 wheeler insurance online and servicing are additional costs that are often overlooked.

2. Build and size:
Of the multiple brands in the market, it is challenging to differentiate between models since they are built similarly. Riding comfort is highly dependent on the size of the two-wheeler. Make sure to sit on a stationary model and check if your feet touch the ground, which is a must in situations where sudden brakes are to be applied.

3. Vehicle weight:
Choosing a two-wheeler heavier than you can handle is the worst mistake a rider can make. A test ride and a general inspection will make you aware of its weight and your capability to handle it. By ensuring you can control its weight, you can prevent accidents, put the vehicle on and take it off the centre kickstand easily.

4. Mileage:
Two-wheelers usually provide a mileage of upwards of 35 kmpl. The higher the mileage, the greater the value derived. The advertised mileage is to be considered only when driving on highways. For congested cities, most two-wheelers provide a 35-50 kmpl mileage.

5. Engine capacity:
The power of the engine or engine capacity determines the fuel efficiency and smooth running of the vehicle. Scooters with an engine capacity of 110cc to 150cc are popular for city rides or short-distance travel for women to work and visit the supermarket.

6. Storage capacity:
Unlike a car, a two-wheeler is relatively compact, providing less storage space underneath the seat. Usually, the under-seat storage accommodates a helmet and a few other things. Presently, the largest under-seat storage available is 32 litres. While no additional designated storage space exists, you may have a top storage box fitted at your back seat.

7. Auto start:
Just like automatic transmissions are preferred over manual transmissions in cars, a two-wheeler can have a kick-start or an auto-start. Auto-start is a convenient way to start the two-wheeler by engaging the brakes, accelerating, and using the auto-start button. Kick-start requires physical effort to run the vehicle and is generally not preferred. However, purchasing a two-wheeler that provides both options is best in case one of the mechanisms fails.

Considering the ease of riding a two-wheeler, it is accessible to women of all ages in different economic strata. By following traffic rules diligently and purchasing the best-suited two-wheeler along with 2 wheeler insurance online, you can ensure safe driving and fewer accidents and allied financial burdens.

Click HERE to buy 2 wheeler insurance online.

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

Car insurance is mandatory by law for every car owner in India. Also, it provides us adequate protection against accidents and third-party cover. However, some exclusions or incidents are not covered under a standard car insurance policy. Some insurance agents might not tell you about them explicitly to sell more policies, but you need to be aware of all the essential terms and information at the time of purchase of the policy.

Let us go through some of the key exclusions.

1. Damages to tyres and electrical components:
A car insurance policy does not cover the tyres of your car. They are bound to wear and tear with regular usage and time. Also, your insurance policy will not cover any damage to your car's electrical components and wiring. These include lights, music system, central locking system, etc. Damages can occur because of mishandling, rough weather, short-circuiting, pests, rodents, etc., but you have to vent your pockets to cover these damages on your own.

2. General wear and tear:
Your car insurance policy will not cover your car's general wear and tear that happens with time, usage, and weather conditions. Hence, the policy will exclude damages such as scratches and dents, rusting of the body, etc.

3. Damages caused by man-made events such as war:
Your car insurance policy will not cover damage to your car because of man-made events such as a war. It will also exclude damages from a nuclear explosion, chemical attack, terror attack, etc.

4. Driving under the influence of alcohol:
Your insurance company would not be liable to accept your claim if you or your driver were driving under the influence of alcohol or any other toxic substance such as drugs at the time of the accident. We advise you not to drive after drinking. Instead, take a cab to your destination and stay safe.

5. Ape hangers:
Half of the bike enthusiasts consider these the most comfortable set of handlebars available in the market. For tall riders, these can be the most comfortable, while for others, if it is not set according to their height, the hands and back would go numb. These give a more upright position and eliminate the need to hunch over. These are supposedly the best handlebars in the market for long road trips.

6. Intentional damage:
Your car insurance policy will exclude any claims against damages to the car or any property caused intentionally by you.

7. Expired policy:
Always renew your car insurance policy well in time because your claim will not be passed if the accident occurs after the expiry of your policy. The insurance company will reject your claim even if you have applied for renewal, but your policy was not active at the time of the accident.

8. Oil leakage:
Your car insurance excludes damage to your engine due to leakage of oil.

9. Pledging of car:
If you have pledged your car to someone else, and the person meets with an accident, the insurance company will not pass your claim.

10. Invalid driving licence:
An insurance company does not cover you if you were driving without a valid driving license at the time of the mishap. It is recommended to have valid documents handy while driving a car.

11. National territory:
An insurance company is liable to pay for your damages only if you sustain them while driving in the national territory of India. Any damage outside India, say Nepal, will not be covered under the policy.

12. Re-appeal clause:
You have 12 months to appeal to the court if you feel that the insurance company has wrongly rejected your insurance claim. After this time period, you cannot appeal against the insurance company's rejection.

One must always be aware of the above situations under which your car insurance policy will not protect you. However, protection against some of the above incidents can be bought by buying a zero-depreciation policy instead of a regular car insurance policy.

You can also buy separate covers and add-ons such as an invoice cover, engine protector cover, etc., which will give you added protection. Always ensure that you go for the best car insurance company in India that gives you a clear picture of all the inclusions and exclusions right at the time of purchase of the policy.

Click HERE to buy insurance from the best car insurance company in India.

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

India has a massive population of automobile owners plying their vehicles on the roads daily. Spotting people with varying personalities and driving habits is common. They exhibit different skills and traits, which can broadly divide drivers into the following six categories.

1. The learner:
Learners are drivers who are new to this experience. They have recently started to drive vehicles and are trying to be perfect at it by practicing and driving regularly. Since they are not pros at driving, they are usually submissive and try to be helpful and cooperative with other drivers on the road.
They drive slowly and carefully and may sometimes show nervousness while driving. Sometimes it can be annoying to drive behind a learner because they can brake suddenly and stop abruptly on the road. Also, they swerve their cars when changing lanes while trying to be in the right lane.

2. The distracted driver:
This is the most common type of driver in the recent era of social media and telecommunication. They try to answer every call and reply to messages they receive while driving. They tend to behave as if the world will stop if they do not answer their phones or make that call.
They display signs of anxiety and tend to check their social media feed. Many even try to record videos and click pictures while driving, putting everyone around them in danger of an accident.

3. The speeding driver:
Such drivers tend to drive their vehicles at high speeds, often above the recommended speed limit, inviting risk and increasing the possibility of accidents. They behave as if the world's end is near and they must reach their destination before it finishes.
Such drivers usually drive rashly and pose a risk to other vehicles around them. High speed means lesser control of their vehicles. Hence, one should avoid getting into a street race and let them pass quietly. Otherwise, you may risk your and your co-passengers' lives unnecessarily.

4. The violent driver:
Road rage cases have been on a high in India in recent years. They are due to drivers belonging to this category. Such drivers lose their cool on the roads due to heavy traffic and start fighting with other drivers around them.
They start driving rashly, dangerously overtaking other vehicles, and swerving their cars wildly. They can even stop abruptly, enter into brawls, and attack another driver if the situation worsens. People tend to vent their frustration on the roads, creating unnecessary chaos.

5. The honkers:
This category of drivers believes they can remove the traffic in front of their vehicle by constantly honking. Doing so adds immensely to the already high noise pollution around us.
As the traffic signal turns green, they will start honking as if the vehicle in front of them is driving slowly or stopping the traffic. Such drivers cause unnecessary nuisance and may display signs of a violent driver if you do not let them pass.

6. The Pros:
This is the best category of drivers, and you would want them to be around you while travelling. They show how good they are at driving and controlling the vehicle. They pay attention to the safety and comfort of the passengers in the car.
They are cautious and vigilant and avoid rash driving by following all traffic rules. Instead, they effectively find their way out of traffic without using useless honking or rash driving. Also, they avoid entering into altercations with other drivers and have good control over their emotions.

Like humans, car insurance also has several features and qualities and varies from company to company. They may differ in premium, coverage terms and conditions, inclusions, exclusions, etc. Hence, you should research thoroughly and buy the best car insurance policy as per your specific needs and a better return on investment.

Click HERE to buy the best car 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.

Road accidents continue to be the leading cause of death in India. In the metro cities, the need to ride at a blistering speed is overwhelming. In this process, you tend to slip the clutch while struggling to switch off the motorcycle. As the phrase goes, "Haste makes waste", it can't be more accurate. You not only risk jolting forward but also the likelihood of accidents is concerning.

As per the World Bank report, "India tops the world in road crash deaths and injuries. Around 11 per cent of all road crash deaths are witnessed in India, which corresponds to 53 accidents every hour; taking one life every 4 minutes".

By this point, you all must be wondering what can be an efficient way to eliminate this problem. The ideal solution is a kill switch to wind down a motorcycle.

This blog is a comprehensive guide to understanding the purpose of a kill switch.

With this emergency stop, you can rapidly turn off the bike without withdrawing your hand from the handle to reach for the key. To turn off the power, you just have to use your thumb. In short, this safety mechanism can save your life in an accident.

Turning off the motorcycle instantly seems like an unusual idea. But in general, while doing so, we put the bike’s mechanism at risk. The kill switch is designed in a way to mitigate this problem. It swiftly breaks the contact with the ignition coil. This is a very straightforward mechanism to shut the engine off. It is also convenient, considering how by keeping your hands on the handlebars, you can engage the kill switch more immediately during an emergency.

All in all, this is a simple, direct emergency shut-off switch that clicks the device off. It is an essential safety feature that enables the rider to turn off the motorcycle when it is impossible to do so manually.

All you have to do is press the red button. If you're a new rider, you probably spotted a scarylooking red switch on your bike's right-side handlebar. So, you now know how a kill switch looks.

In a heavier bike, the rumbling engine is silenced with this mechanism's help. It also aids in handling emergency situations without disturbing the bike's stability. You won't need to glance down to find it because it will be easy to operate after some experience. It is also a quick method to halt your bike for a brief period, to give directions, or in traffic.

Numerous motorcycles are designing advanced technologies to eliminate road accidents. While this is one way to make you feel secure, you should consider other options. In India, it is almost necessary to take insurance for your motorcycle. If it expires, you can apply for an online motor insurance renewal. It is another way to drive safely without worrying about financial losses against insured vehicles, including extensive damages and liabilities. Always keep your insurance policy up-to-date to avoid it from lapsing.

We hope the above information explains the importance of kill switch and online motor insurance renewal. It is always best to have complete knowledge about your vehicle, its parts and their use. This information can help you better understand your bike and stay protected during unfortunate events.

Click HERE to get online motor insurance renewal.

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