GENERAL INSURANCE BLOG

As we know, India aspires to be an all-electric nation by 2030. Electric scooters are in trend these days, and there are new rules and regulations for riding electric scooters to support this endeavour.

Vehicles that use fuel, such as petroleum, heavily contribute to carbon emissions, and to control the degradation of the environment, electric vehicles are a boon. The Govt. of India encourages new buyers to buy electric scooters and take their first step towards a green future.

But before you make a purchase, check 2 wheeler insurance online for an e-scooter, the different features of the scooter you want to buy, and see if your requirements are aligned.

Who can ride an electric scooter in India?
Most parents are searching for safer solutions for their children travelling to school or college. Bus transport provided by high schools and colleges is available, but only for some. When you think about how much other ways of getting around cost, it is neither cheap nor comfortable for students to use them every day. Public transport is usually regarded as inconvenient for students. It has led to increased use of two wheelers by students to travel with convenience and less hassle.

Central Motor Vehicles Rules of 1989 were modified to grant permission to teenagers between the ages of 16 and 18 to ride e-scooters. The eligibility criteria to legally ride an e-scooter is reduced for teenagers. Still, they are prone to accidents due to their reckless driving and inexperience. They are inconsiderate toward others on the road. It's expected that accidents are common in places where there is an issue with traffic because underage drivers usually do not know how to control a vehicle properly. They may panic in fast-paced traffic or even lose control due to slight inconveniences.

Other requirements:
The motor of the electric vehicle can be a maximum of 4 kWh. The electric scooters having a maximum speed of 20 kmph can be driven without a driving licence. A driving licence is now mandatory for electric scooters in the category of 2 wheeler-powered vehicles. These regulations are in place per the rules of India's Road and transport ministry. The Government of India has also made it compulsory to register these vehicles.
It comes off as a saviour to all the students who travel daily to schools or colleges. According to various researchers, it is safe to say that school-going children aged 16 can drive e-scooters. It is mandatory to teach and train them before they kick start their riding journey. Alongside this, having a green licence plate for such electric motor vehicles is mandatory.

Like any other two wheeler insurance, it is essential to have regular e-scooter insurance to protect it financially against any accidental loss. You should opt for bike insurance that includes essential needs and versatility too! There are many 2 wheeler insurance online options available that are safe, convenient, and affordable.

This move by the government will promote the manufacturing and production of electric scooters throughout the country. It is a breathtaking transition to promote electric vehicles and simultaneously contribute towards a better and healthier planet.

There are no other eligibility criteria except age, driving licence, and green number plate. Electric scooters of various sizes and shapes are available with different features. It allows potential riders to choose the one that they like the most. From simple-built models to full-body mopeds, electric scooters will transform especially how school-going students between the ages of 16 and 18 travel. Ensure your kids have proper driving lessons, safety gears, and 2 wheeler insurance online before they take an electric scooter out.

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.

Fresh fruits and vegetables are a rich source of vitamins and minerals and help the body to develop immunity and resistance against several chronic diseases.

You can lose weight by making fresh fruits and vegetables an integral part of your diet because they are low in calories. We can use them as a substitute for other high-calorie food. Moreover, they can be used for munching in between meals. We will not feel hungry quickly and eat the next meal lightly.

Despite so many advantages of fresh fruits and vegetables, we often avoid making them a part of our daily routine. Let us go through the best hacks that can help us include fresh fruits and vegetables in our diet without apprehension.

1. Substitute:
Substitute the unhealthy junk food on your plate with fresh fruits and vegetables. First, fill at least 10% of your plate with fresh fruits and vegetables. Increase this percentage as you develop an appetite and taste for them.

2. Top up your junk food:
Top up your junk food like burgers and pizzas with loads of fresh fruits and vegetables. We can easily add chopped vegetables to the burger stuffing. We can add loads of tomatoes, spinach, mushrooms, garlic, etc., to pizzas, toppings, and even pasta. They will taste great and especially your children will love them!

3. Be innovative:
Bring Innovation to your food preparation by adding fresh fruits in yogurt, curd, custard, and cereals. Quietly add strawberries or blueberries to muffins and pancakes, advertise them as something special to your children and see how they will gobble them. Make innovative sandwiches and omelets by putting in extra veggies.
Make meals by using something like a sweet potato. Even the children will love it, which will be a great source of carbohydrates. We do not eat large portions of vegetables such as broccoli, no matter how nutritious they are. But we can increase its intake by adding them to our soups, curry, or even pasta.

4. Clean out or hide your junk stock:
We eat what we see. This is true, especially with kids. If they find them at home, you cannot stop them from eating junk food like chips, biscuits, wafers, noodles, etc. Completely clear away your junk food cabinet so your children cannot get hold of them and be tempted to eat them. If there is no junk food at home, they will have time to develop an appetite for fresh fruits between meals. Also, they will have space for eating fresh vegetables during meals.

5. Try making new purchases:
Never shy away from trying a new fruit or vegetable that you see in a store or supermarket. Do your research before buying them. Experimenting with fruits and vegetables can surprisingly be a good adventure.

6. Start having a fruit milkshake or smoothie:
Shakes and smoothies are one of the best alternatives to consuming fruits. Start having fresh fruit juice, shake, or a smoothie of loads of fruits. You may even add a few dry fruits and nuts to enhance the taste and nourishment.

Fresh fruits and vegetables are essential for our health and fitness. The above hacks can help us to increase their intake in our diets. This will result in better health and lower your risk of developing inflammation, heart disease, diabetes, and cancer.

Just as a good diet is essential for healthy living, good health insurance is crucial for efficient management of finances involved in health management. As health insurance improves your quality of life, invest in the best health insurance in India that is tailor-made for your special needs!

Click HERE to buy the best health insurance in India best suited for your needs.

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

The rotation speed of the engine crankshaft which delivers power to the rear wheel via the gearbox, is the RPM of the bike. A higher engine RPM is required for better performance of the motorcycle. Since RPM is not a very known term for most people, let's dive deeper to understand its importance.

What is the importance of RPM in a bike?

RPM directly influences the comfort level you will experience when riding the bike. With the higher engine RPM, the speed will be much faster. Riding in the medium RPM range is suitable for the smoothest ride possible. Better comfort levels are achieved with a lower RPM, leading to higher fuel efficiency, especially in shorter city rides.

The RPM levels directly affect your comfortable riding experience, how much gas you use, and how well your bike performs in the long run. To say this, riding at high engine RPM for an extended period will increase the stress on the bike. It is dangerous for the engine and also for the well-being of the bike too.

With every bike, the RPM level is different. If you want to constantly ride at a higher RPM, opt for motorcycles specially built for this purpose. They are made for the tracks to run at higher RPMs.

What difference does it make?

RPM has a significant effect on the performance of the bike. If you run your motorbike at a low RPM, your bike will give you the best performance. Similarly, if you run your bike at a higher RPM, it charges up the engine to perform at maximum power, resulting in many vibrations. Experts also say that if you drive your bike at a higher RPM, you will have to fill up the gas tank more frequently because the fuel intake increases significantly with speed and RPM.

Riding your bike at the correct RPM for engine speed is essential. There are several benefits associated with doing so. As already mentioned, it will give you greater comfort on the ride, keep the bike healthy, and save you the money you might have to spend on fuel if you're constantly riding at a higher RPM.

With the increasing fuel prices, this is a lucrative deal to take care of your bike so that it consumes less fuel. It might not make a difference one or two times, but collectively it will make a massive difference over a long period.

Youngsters or people who ride for an adrenaline rush thrash their bikes at higher RPM. To figure out an ideal RPM range, know the maximum RPM range your bike can ride at. Now divide it by two. This is the average RPM you should ride most of the time; for example, if your top speed is around 8000 RPM, the ideal range is 4000 to 5000.

RPM is an essential factor that influences the health of your bike, which in turn, indirectly affects the cost of maintenance. If you're constantly riding at a higher RPM, it is very unhealthy for your bike, and you will have to spend more to maintain it.

Always ride safely within the specified RPM range, but if you are willing to drive at a higher RPM, purchasing a bike that supports it is the best. Otherwise, operating in the ideal RPM range is cool! Make it a point to invest in comprehensive bike insurance to enjoy financial benefits in the time of emergency when your bike meets with an accident.

Click HERE to buy bike insurance to keep your motorcycle protected from mishaps.

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 nothing short of an adventure on two wheels. While they have always been highly preferred in the Indian market due to their convenience, relative inexpensiveness, and ease of learning and riding, bikes are also doubling as a means of thrill providers over the last few decades.

With the varied topographical diversity in India, adrenalin seekers that enjoy motorbiking have found new joy in off-roading. While taking your bike on the road not commonly taken may give you momentary exhilaration, keeping your safety in mind before taking on such adventures is essential. Purchase a bike insurance policy that covers accidents resulting from such extreme sports.

Before getting started on your off-roading journey, consider purchasing these add-on covers to your bike insurance –

1. Engine protection:
The bike's engine is quite literally the heart of the machine. Ensuring it is in excellent condition is essential, especially when taking on challenging terrains. Since off-roading involves steep and rocky inclines, it puts tremendous pressure on your bike's engine. This makes it more likely to break down and leads to high engine repair costs. This add-on provides coverage for all expenses allied with engine repairs and maintenance.

2. Zero depreciation:
Wear and tear is a natural occurrence, and your bike is no exception. Usually, in case of raising a claim, the insurance company only admits a partial amount of the insured sum after factoring in the depreciation costs of the bike parts. However, buying a zero-depreciation cover can help you receive a higher claim amount than in the absence of such cover, making it easier to finance the cost of replacing bike components.

3. Theft of personal belongings:
Unlike regular riding, dirt biking requires special equipment that enhances the rider's safety. Such personal belongings are often expensive and require additional care to maintain. In case your riding gear gets stolen, a personal possessions cover can help you recover the insured sum or the cost of the stolen assets, providing peace of mind and financial security.

4. Roadside assistance:
Breakdowns may be frequent, even for regular bikes used for standard conveyance purposes on paved roads. Harsher terrains inevitably lead to greater chances of bike breakdowns due to multiple uncontrollable factors and mechanical failures. In such emergencies, it is necessary to have a backup plan to rely on. A roadside assistance cover provides reassurance of help in unforeseen conditions, making it a key requirement to purchase.

5. Outstation emergency cover:
The outstation emergency cover is necessary for off-road biking enthusiasts who enjoy long-distance biking adventures away from their residences. Generally, most bike insurance companies state the scope of coverage to be outside a 100-kilometre radius from the place of residence stated in the policy papers.

Can you buy specific bike insurance for your dirt biking adventures?

If you are a beginner to the sport, you may think of purchasing the above-stated add-on covers as a hassle and wonder why not buy an all-inclusive dirt biking insurance policy to protect your bike. Whether you intend to use a regular motorcycle for adventure sports or own a dirt bike, most insurance companies in India do not offer specific off-roading bike insurance. However, you may get comprehensive bike insurance that provides extensive coverage for your bike.

As the activity gains popularity, we expect the Indian insurance industry to adapt to the changing demand and provide suitable security cover for adventure activity. Until then, if you wish to take on the thrilling activity, we urge you to purchase the requisite add-on covers to make your bike insurance policy's coverage comprehensive for your needs.

Click HERE to buy bike 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.

Brain power is directly affected by several nutritional factors that enrich our body through the food we eat. Proper nutrition intake helps to boost our cognitive well-being. Our brain constitutes merely 2% of our body weight but consumes almost 20% of the overall energy utilisation. Hence, it is always searching for nutrition, and it becomes our duty to fulfill this need.

Is there any particular nutrient that can boost your brain power? You will be surprised to know that magnesium plays a significant role. Let us know more about it in detail.

*Note
It is crucial to invest in the best health insurance policy in India to avoid venting your pockets while dealing with treatments or medical emergencies.

1. Energy production
Magnesium produces unimpaired energy required by mitochondria, the powerhouse of cells. Magnesium also enhances the activities of the essential enzymes useful in energy production.

If energy production is not optimal, our brains may not function properly. There can be a negative impact on its cognitive powers. Hence, magnesium is essential in our body to facilitate energy production and boost our brain power.

2. Neuronal processes
Other than energy production, magnesium is important for neuronal processes too. It regulates neuro-transmitting signals in the brain. It is the key to the prime neurotransmitters- GABA and glutamate.

Magnesium also helps to maintain sufficient calcium content in the brain cells and regulates the activity of calcium channels. High magnesium levels in the brain can help enhance your memory and learning power. Also, it strengthens the process of synaptic plasticity, which can delay cognitive decline due to ageing.

An increase in magnesium levels in the brain may also increase the pace of neural stem cells production. It can promote neurogenesis in adulthood and improve the brain's adaptability to changing external environments, mood regulation, and cognitive flexibility. Magnesium can also help to maintain proper blood flow to your brain by helping to control oxidative stress and inflammation.

3. Brain decline
Various studies have proven that low magnesium levels can result in a decline in the brain's performance. People who have Alzheimer's disease come up with low levels of magnesium in their cerebrospinal fluid. Studies also show that people using magnesium oxide are less at risk of developing dementia.

Research also shows that magnesium plays a significant role in healing traumatic brain injuries. People treated with magnesium sulphate showed a favourable outcome and recovery within 12 hours. Studies have also proven that magnesium affects the functioning and health of a normal brain.

4. Magnesium-rich foods
Now you must be clear about the power of magnesium in boosting your brain power. But what are the foods that are rich in magnesium? Here's a complete list.

Dark chocolate, spinach, avocado, pumpkin seed, bananas, cashews, leafy green vegetables, whole grain, legumes, almonds, brown rice, black beans, yogurt, fish, and sunflower seed are some foods that are a rich source of magnesium.

Magnesium helps to boost your brain power and cognitive well-being. Increase your intake by consuming more food rich in magnesium. Magnesium is also important for several enzyme reactions impacting your bones, blood sugar, and nerves.

In addition to taking a magnesium-rich diet, you must buy the best health insurance policy in India that can protect you from unplanned financial burdens. Your health can deteriorate anytime, and you may require surgery. Health insurance will cover you in such instances. Do proper online and offline research and opt for the best health insurance policy in India that provides good coverage at the most reasonable premiums.

Click HERE to buy the best health insurance policy in India.

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

Motor insurance is a boon that provides vehicle owners security against the financial burden of mishaps that occur to their cars. While it offers several inclusions, acts classified as contributory negligence do not fall under the policy's scope of coverage.

One such act is misfuelling your vehicle, which unfortunately happens frequently. If you find yourself in such a situation, here's all you need to know.

Case 1: Potential dangers of petrol in a diesel car.
Gasoline in a diesel car is a solvent for low lubrication and could damage the fuel pump. Metal pieces from the broken pumps could cause more problems with the fuel delivery system.

What to do: Avoid turning the key and igniting the engine.
The tank must be emptied, with all tainted fuel removed and replaced with a new charge. You can only turn it on after that.

Case 2: Threats of diesel in a petrol car.
Because the diameter of the diesel fuel filler cannon is often larger than the slot of petrol cars, refuelling a petrol car with diesel fuel is uncommon. However, in such situations, the engine doesn't start, and the exhaust severely smokes while running.
The spark produced by spark plugs is what drives a petrol-powered car. Diesel can clog the candles and the fuel system when you fill it up and start the vehicle. It can lead to misfires, smoke, and possibly even a motor failure.

What to do: Don't turn on the ignition and refuel the tank.
Use a specialised additive that clears diesel traces from the fuel system if you fill the petrol tank with diesel in any amount. Furthermore, it matters how much diesel has dispersed throughout the car's internal components after entering the gasoline tank.
It is advised to do a complete tank drain and then fill the entire tank with gasoline. If less than 2 litres have been added, there will be no issues. Obtain assistance from a professional who can remove and clean the gasoline tank if the diesel content exceeds 5% of the tank capacity. Once completed, you can start the car and drive it further.

If your car is already running.
It is advised to drain the fuel tank and refill the fuel system with fresh gasoline before starting the car. If you're driving when you realise, stop as soon as possible. To eliminate the contaminated fuel, it is imperative to flush the tank. Replacement of the gasoline filter is essential in each scenario.

How can the risk be reduced?
No one purposefully fills their tank with the wrong fuel, yet many individuals do so even though the filler size varies for the two fuel types. The type of fuel used on each car is noted, typically on the tank cap and the filler cap as well. Before beginning to refuel, always double-check the type of fuel!

The repair cost may increase depending on how much-contaminated fuel is in the fuel system. You should always be careful to avoid such incidents, and if it does, you could incur significant repair costs.

One of your most valuable possessions, your car, needs to be protected because repairs are expensive. The best way to protect yourself is to purchase motor insurance, which offers several advantages that can increase your safety and safeguards your finances in the case of an accident.

Click HERE to buy motor insurance.

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

Commuting by bike is a routine affair for millions of Indians around the length and breadth of the country. If you are a daily commuter and have to go through crowded, traffic-filled small lanes in India, a bike can be the best form of transportation.

Bikes can be great fun, even for long rides. However, the long journey can be tiring and cause body aches. Aches can spoil your remaining adventure and may dampen your high spirits about bike travel.

You can ensure thrilling long rides without any aches by following these tips.

1. Exercise
Long rides can cause severe backaches. Riding a bike puts extensive pressure on the core muscles because they bear your body weight. You need to strengthen your midsection and ensure that your spine stays strong. Several exercises strengthen your back, but you need to do them regularly, not just for a few days. There are some yoga asanas, too, that can help to strengthen your spine. Exercising will help preserve your core muscle strength and ensure your spine does not suffer undue pressure. It will benefit you immensely and prevent long-term health problems as well.

2. Correct posture
Incorrect posture while riding your bike can result in back pain, which even regular exercising cannot help. You should maintain a straight back during long bike rides. Line up your shoulders above your waist, and never sit in a hunching position. Most riders ignore their sitting posture and end up with back pain during long rides. Also, do not put extra weight on your back, such as a heavy backpack. Undue weight can also spoil your posture and cause back ache.

3. Rest occasionally
You must occasionally take a rest during a long ride on your bike. Continuously riding your bike without stopping can cause chronic injury. Stop frequently and get down from your bike. Try simple stretching exercises such as arching your back forward and backward, twisting your shoulders and arms, and leaning in front to touch the toes. It will relax your body and freshen your mind and spirit.

4. Give your hands a break too
The incorrect gripping style of the bike handle can result in hand aches. Your wrists should have about 10-15 degrees back-bend on the handle. Some bikes have very low handles, which can cause discomfort and pain, especially during long rides. You can always get your handle position adjusted by a mechanic if you feel it is too high or too low before commencing the long ride.

5. Good seat cushioning
Company-fitted bike seats may not have adequate cushioning. This can cause discomfort and backache during long bike rides. Get a good seat cover for your bike that has proper cushioning. You can get it customized and choose the cushioning level as per your choice and comfort.

Many bike enthusiasts love taking their bikes on long rides for a thrilling experience. Following the above tips will ensure that you truly enjoy your long ride without aches and discomfort during your journey.

A good 2 wheeler insurance policy is as critical for any rider as it ensures a comfortable long ride. It will provide you with financial coverage for an accident or damage. The insurance company will reimburse you for your bike’s current value if stolen. Moreover, having valid 2 wheeler insurance while riding your motorcycle is legally compulsory. So what are you waiting for? Go get your 2 wheeler insurance policy immediately!

Click HERE to buy a 2 wheeler insurance policy in just a few clicks.

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.

Bike insurance is essential for every motorcycle owner to protect themselves from financial losses because of unfortunate events such as theft, damage, or accidents. Most people purchase bike insurance online as it saves time and offers them various options to compare and choose from. However, sometimes people encounter situations where they should consider cancelling their bike insurance to save unnecessary payments.

If you are selling your bike, moving abroad with your bike, or your bike is no longer in use, you can save unnecessary premiums just by cancelling your insurance policy.

By understanding these situations, bike owners can make informed decisions about cancelling their bike insurance policy when necessary. Without further ado, let's discuss these situations in detail.

1. Selling your bike
If you have sold your bike, you do not need to keep the insurance policy active. In such a scenario, you should cancel your bike insurance policy to avoid paying unnecessary premiums. You can easily cancel your bike insurance online by contacting your insurance provider.

2. Moving abroad
You must buy bike insurance in that country when moving abroad along with the bike. In such a situation, cancelling your existing bike insurance policy is advisable to save you from paying unnecessary premiums. Contact your insurance provider to cancel your policy, and they will guide you through the process.

3. The bike is no longer in use
You do not need to pay for bike insurance if your bike is no longer used. For instance, if you have switched to public transport or a car, you should cancel your bike insurance policy to save money.

The other probable reasons when you can cancel your bike insurance are;

● Not satisfied with the policy
If you are dissatisfied with your current bike insurance policy and have found a better one with more benefits and a lower premium, you can consider cancelling your existing policy. However, before cancelling, you should read the terms and conditions of your current policy to understand if there are any cancellation charges or penalties.

● High premium
If you are finding it difficult to pay the high premium of your bike insurance policy, consider cancelling it. However, before cancelling, you should compare policies from different insurance providers to find one that suits your budget.

● Reckless driving
Your insurance provider may cancel your policy if you have a history of reckless driving and have been involved in multiple accidents. In such a scenario, it is advisable to surrender your bike insurance policy and look for a new policy that suits your needs.

Bike insurance is a crucial aspect of bike ownership as it provides financial protection against any unforeseen events. However, there are certain situations where cancelling your bike insurance policy is the right decision. It is essential to remember that before cancelling your policy, you should read the terms and conditions of your policy to understand if there are any cancellation charges or penalties. By cancelling your bike insurance policy when necessary, you can save money and ensure you buy the right bike insurance online to fully meet your needs from the comfort of your home.

Click HERE to learn more about the benefits of purchasing 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.

Kayaking is one of the most exhilarating water sports activities one can indulge in during the summer holidays. It is an exciting way to explore the natural beauty of lakes, rivers, and oceans while exercising and enjoying the fresh air. However, for those who are new to the sport, it can be overwhelming to figure out where to start. Therefore, we have compiled a list of the best beginner tips to help you enjoy kayaking this summer holiday.

While kayaking is a fun and exciting activity, it also involves some risks, and it's essential to take precautions to ensure your safety. In addition to learning the basics of kayaking, it's necessary to understand the importance of wearing protective gear and obtaining a personal accident insurance policy before you hit the water.

With these factors in mind, let's understand some detailed pointers to help you make the most of your summer kayaking experience.

1. Choose the right type of kayak
Before you start kayaking, you must choose the right type of kayak for your skill level and the water you'll be kayaking on. Sit-on-top kayaks are an excellent option for beginners as they are stable and easy to use. They are also less likely to tip over, making them safer.

2. Wear appropriate clothing and gear
Kayaking can be a wet and messy experience, so wearing appropriate clothing and gear is essential. Wear a life jacket, a helmet, and appropriate footwear. Choose quick-drying, lightweight clothes that will keep you cool and comfortable in the water.

3. Learn the proper paddling technique
The paddling technique is essential for an enjoyable kayaking experience. Learn the proper technique from a qualified instructor or watch online tutorials. Good technique will help you conserve energy and prevent injuries.

4. Choose calm waters
Choosing calm waters with minimal currents and waves is essential for a beginner. Avoid kayaking in open water or rough conditions until you're confident in your abilities.

5. Bring a friend
Kayaking alone can be dangerous, especially for beginners. Bring a friend along for safety and to make the experience more enjoyable and memorable.

6. Stay hydrated
Kayaking can be physically demanding, and you can quickly dehydrate in the sun. Bring plenty of water or sports drinks to stay hydrated throughout your kayaking trip.

7. Check weather conditions
Before heading out for your kayaking trip, check the weather conditions. Avoid kayaking in stormy or high wind conditions, as these can make the water choppy and difficult to navigate.

8. Know your endurance
As a beginner, it's essential to know your limits and not push yourself too hard. Take frequent breaks, and don't overestimate your abilities. It's better to have a shorter, enjoyable kayaking trip than to push yourself too hard and have an awful experience.

9. Get a personal accident insurance policy
Consider getting a personal accident insurance policy before embarking on your kayaking adventure. This will protect you from any accidents or injuries during your kayaking trip. This policy can provide financial assistance for medical expenses and lost income due to injuries.

Kayaking can be incredibly fun and rewarding for anyone looking to enjoy the great outdoors this summer. By following the beginner's tips outlined above, you'll be able to get started with kayaking in no time while ensuring your safety and minimising the risks. Always prioritise your safety by wearing personal protective gear, obtaining a personal accident insurance policy to safeguard yourself against all the risks and dangers of the sport, and checking weather conditions before you hit the water. So, grab your paddle, wear your life jacket, and get ready to have fun on the water!

Click HERE to learn more about the benefits of purchasing a personal accident insurance policy.

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

Are you getting older and giving up on sports? This is a common phenomenon as the fear of injury increases with age and our fitness levels diminish. We hesitate to indulge in our favourite sport, badminton or cricket, with the fear of a muscle tear or a strained back.

But wait. Older adults should constantly engage in physical activities and sports to stay fit and active and enjoy a good social health score. Here are a few sports you should indulge in if you are an older adult and want to feel young again.

1. Golf
Golf is popular worldwide, and older adults can easily engage in it. It is a great stress reliever and improves your overall mental fitness. At the same time, it does not involve much running or physical effort, making it a great choice for older adults. Golf is known to improve blood circulation, which benefits your heart.

The older adults will also build a social circle while playing golf, which improves their emotional quotient. You should keep in mind that there is no pressure to perform well. Enjoy the time you spend outside in the sun in good company, and you will feel young again and light at heart.

2. Group exercises
Yes, group exercises are not just for the young ones but for older adults as well. Older adults can join group exercise classes, be it yoga, pilates, zumba, or some other dance form. They will start feeling young again even if they participate just a few times a week and not daily.

A group exercise will encourage older adults to match their pace with the group. It will keep them agile, fit, and active. These low-impact exercises can also benefit their respiratory system, muscle flexibility, and core balance. They are enjoyable and will also help them build a social circle.

3. Cycling
Cycling can be a great sport that can greatly benefit older adults. They don’t have to cycle at high speeds for long, as mild cycling can do the trick. Cycling improves cardiovascular functioning, immunity, and blood circulation and sharpens the mind. It can make you live longer and reduces the chances of hospital visits.

4. Doubles tennis/ badminton
Playing tennis or badminton in the singles format can be tough and draining for older adults. They can play doubles tennis or badminton to stay fit and agile at their own pace. These are fun sports, easy to play and practice. These sports will help strengthen their muscles, improve blood flow rate, and help them stay mentally fit. Older adults will feel young, active, and energetic once they start playing these sports in routine.

5. Billiards
Older adults can also engage in billiards as a sport. It is an indoor game; they need not sweat to play it. Also, it can be played with just 2-3 people. The sport requires moderate physical movement, sharpening the mind and improving concentration.

It is essential for older adults to engage in any of the above sports of their choice and feel young again. These sports will improve their muscle strength, blood circulation, balance, efficiency, and general mind and body fitness.

But sports also come with the risk of accidents. Hence, a personal accident policy is a must for everyone. It provides coverage and financial support for medical treatment due to an accident. You can easily browse several personal accident insurance online that the insurance companies offer, compare them, and choose the best among them conveniently at the click of a few buttons.

Click HERE to buy personal accident insurance online.

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

There are numerous general insurance companies in India offering multiple insurance products. However, most of the population is opposed to purchasing these insurance safety instruments despite the dire need for long-term stability. Recognising the slack in demand for purchasing specific policies, general insurance companies in India have developed a new way to make insurance products more accessible.

Embedded insurance, also known as bundling insurance, is the latest method of partnering with a third-party brand and offering consumers complimentary insurance or with a nominal fee over the transition cost. It helps make insurance accessible by bundling it for customers.

However, if you wonder how embedded insurance can expand opportunities and build strong customer journeys, read on.

What is embedded insurance?
Embedded insurance enables a third-party provider to introduce innovative insurance products for customers. It provides consumers with more affordable, personalised, and relevant insurance. It also allows general insurance companies in India to access underserved and untapped markets.

How embedded insurance helps increase insurance penetration in India? Insurance penetration is calculated as a percentage of total premiums collected relative to the country's GDP. According to the IRDAI, the country's general insurance penetration is about 1%. India's insurance penetration is lower than in developed countries.
However, we anticipate an increase in insurance penetration due to embedded insurance.

Here's how embedded insurance transforms the insurance sector and increases insurance penetration.

1. Charging the untapped markets
This insurance allows insurers to access a new market. With embedded insurance, general insurance companies in India can provide microfinance companies with policies like personal accident insurance and more to target a specific audience. Insurers and third parties can expand the insurance sector's reach in India's underdeveloped markets with the help of embedded insurance. It allows them to reach the untapped rural market, increasing insurance penetration deeper in the country.

2. Innovating product offerings
Insurers can construct personalised and more relevant insurance policies using consumer data that was not recorded or digitised. Customers can also change the insurance policy's features, coverage, cost, etc., and discontinue them if they are no longer reasonable.

3. Enhanced customer experience
Embedded insurance boosts customer satisfaction, resulting in greater opportunities for general insurance companies in India to market their services and products. It also provides more customised coverage, allowing customers to change plans and premiums according to their needs. This way, it offers more significant benefits and value to the customers.

4. Low client acquisition costs
General insurance companies in India spend roughly 20% of their income on advertising to new clients. Embedded insurance decreases the churn rate by engaging policyholders at the right time in their journey. Also, the effective cost of customer acquisition is lower than other insurance.

5. Streamlined onboarding
Many people consider insurance an inconvenient procedure requiring a series of steps. Embedded insurance gives customers a streamlined issuing process, making insurance simple and inexpensive. This applies to the claim procedure too. The smooth operations of embedded insurance is a boon for Indians to invest in insurance massively.

Embedded insurance has much potential, but businesses must balance the efficiency and speed of business operations, regulatory compliance, and customer protection for this model to succeed.

Many general insurance companies in India are now integrating the internet of things (IoT), artificial intelligence (AI), machine learning, big data analytics, and other technologies to transform the insurance industry and deliver a hassle-free customer experience. While it will require time for adoption, it is a welcome move to increase penetration rates. Insurers must use the momentum and improve their dependability to gain consumer trust.

Click HERE to invest in a reliable general insurance policy.

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

Insurance is a financial product like no other. Upon payment of a meagre premium amount, it protects the insured person or asset against a contingent event involving a risk to its present or future value. While general, health and life insurance are relatively common products with a higher penetration rate in India, personal accident insurance online lags far behind.

While this may be attributed to the lack of awareness, it is straightforward why the product is required. Accidents are uncertainties that can occur in any setting, whether travelling, commuting, or at work. Since you cannot eliminate the risk of accidents, purchasing personal accident insurance online is essential to protect yourself against hospitalisation costs and other expenses resulting from an accident.

The limited awareness regarding personal accident insurance is also only partially reliable due to the misconceptions surrounding the product. While its coverage to the extent of travel accidents is commonly known, there are several questions surrounding its scope of coverage for adventure sports.

Find out whether adventure sports are covered by personal accident insurance online.

Defining adventure sports.

Adventure sports are easy to define in lay terms but are described differently by every insurer. It includes sports that involve contact, extreme speed, technical gear, and extremely high levels of risk. As the name states, these sports have a considerably high-risk grade, making most insurers hesitant to cover them. Common extreme sports include skydiving, skiing, rappelling, mountaineering, etc.

Generally, irrespective of the type of insurance- general or non-general, most insurers do not offer coverage for adventure sports due to the intensity of the activities.

Why should you check for adventure sports inclusion before participating?

The thrill of adventure is second to none, and the addition of multiple uncontrollable factors only adds to the experience for those who seek an adrenaline rush. However, one must always ensure to protect themself from potential accidents before participating in such sports for the following reasons –

1. Hospitalisation coverage:
With medical inflation on the rise, covering any possible medical expenses, including those arising from adventure sports, is prudent. Considering the high-risk profile of these sports, it is always better to be ready for the worst and prepare a financial net that shoulders the burden of such costs.

2. Allied perks:
Personal accident insurance online offers related allowances such as a daily cash allowance, transportation, and more. This reduces the strain on your finances during your period of hospitalisation or any inactivity as an earning member.

3. Mental peace:
The most significant benefit of inclusion is the peace of mind to engage in activities of your choice. You don’t have to worry about the consequences due to the existence of a safety net for your finances.

Does personal accident insurance online cover extreme sports?

At face value, one may assume that personal accident insurance online would offer extreme sports coverage. Most insurers in India presently do not include accidents caused while engaging in such sports within the scope of the policy.

However, if you want coverage against such risks, some insurance companies offer comprehensive accidental coverage across all terrains and destinations. It may take additional effort to discover such insurers amid all those that exclude such accidents. Here are a few factors you should consider before purchasing a policy from such a provider:
1. The extent of sports covered- land, air, water, etc.
2. Provision of immediate medical assistance
3. Customisation of a plan as per your adventure needs
4. Active policy period

Despite the exclusion of extreme sports by most insurers, personal accident insurance online is an essential requirement that provides financial assistance when you are only partially covered by your term or health insurance policy alone. We encourage you to consider purchasing personal accident insurance online to cover the other form of accidents and your risk exposure.

Click HERE to buy personal accident insurance online.

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

Driving is a highly responsible task that requires a lot of attention and focus. Even the slightest distraction can lead to an accident which could be extremely dangerous and fatal.

So, it is recommended to be familiar with all the functions of the vehicle and drive sensibly. But did you know that the position of your seat and posture also play a significant role in your driving? You should always adjust your driver's seat for the best driving visibility. It should also ensure a good posture to avoid fatigue later. A good posture also ensures you are saved from injuries in an accident.

If you are wondering how to get optimal driving posture, we have you covered. This article will list all the ways to help you achieve the best driving posture.

Also, you should get the online motor insurance renewal on time to have additional protection and avoid trouble for your vehicle later. It can save you time, energy, effort, and hassles

How to maintain the best posture while driving?
Whenever you start driving a car, you should adjust the driver's seat according to your comfort and convenience. If you're driving someone else's car, it becomes more important to adjust your seat. If you fail to do so, you can get musculoskeletal disorders (MSDs) due to bad posture. A good posture also ensures that you don't get exhausted while driving. To adjust the driver's seat, consider the following:

1. Adjust the height of the seat
The height of the driver's seat needs to be appropriately adjusted to increase visibility while you drive. You need to adjust the seat according to your height so that you do not bend over to get the view properly. Moreover, there should be a minimum gap of about five fingers between the head of the seat and the roof of the car.

2. Maintain seat distance
The distance between the seat and the steering wheel is of prime importance. You cannot see the view correctly if it is too far away and requires bending over to reach the steering wheel. The seat should be positioned in a way that you can reach the steering wheel and the pedals effortlessly. This reduces the reaction time and helps you navigate the road well.

3. Maintain the backrest of the seat
Although it may not seem important, the backrest plays an important role while adjusting your driver's seat. The backrest ensures optimal comfort while driving. The backrest should be as vertical as possible.

4. Adjust the headrest of the seat
The headrest can serve as a great safety tool while dealing with accidents. It provides more protection to the head and saves it from injuries. You need to adjust the position of the headrest in a way that it protects your head in case of a sudden impact. You can also position a bit above your head for more protection.

These are only some suggestions by which you can get the best out of your driving experience. Lack of proper road visibility while driving can make it difficult for the driver to get judgement while making turns. These small measures will help you maintain a good posture and see clearly on the road. Make these adjustments in your driver's seat and savour the joy of a comfortable car journey. You should also get online motor insurance renewal done regularly for added protection.

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.

Cracked heels are one of the most frequent and concerning foot problems, especially during the winters. It can happen to adults and children, although it tends to impact women more frequently than men.

Most individuals don't take broken heels seriously. Going barefoot may be uncomfortable as heel cracks occasionally go quite deep and hurt. Read on to find out the best home remedies and ways to keep your heels from getting cracked.

You can use home ingredients in simple cures for cracked heels:

We constantly take care of our faces, hands, and nails, but for some reason, we frequently overlook our feet. Additionally, they are more likely to get dry and cracked when wearing slippers or other footwear that exposes the feet.

Here are a few home-based cures for cracked heels that work quickly

1. Rose and milk for a deep conditioner:
This treatment will work like magic for people with painful, cracked heels. Take a small tub and fill it with warm water before adding half a cup of milk. Include a few rose petals and three to four neem leaves. Add a teaspoon of seed oil to the tub. If you have any essential oils, add a couple of drops. Spend 20 minutes soaking your feet, then gently scrub them to clear off the dead cells.

2. Oil massage:
Take one teaspoon of castor, olive, and almond oils and massage your heels with the mixture of these healing oils. Try moisturising your heels to help the oil soak properly. Wear socks and complete this technique right before bed. Your cracked heels will be healed and soft by overnight dampness.

3. Honey and banana moisturiser:
You should mix a teaspoon of honey and a small banana in a bowl. Achieve a liquid-like consistency before applying the paste to your heels. Keep it for 20 to 30 minutes, then rinse it with warm water. After patting your feet dry, apply your moisturiser. Vitamins A, C, and B6 are abundant in bananas, making them a natural moisturiser. Honey helps hydrate your skin and provides moisture to the skin's outer layers

4. Using a pumice stone and salt:
Pumice stone is used in this cure. Just add a few drops of olive oil to a spoonful of salt. Apply this scrub to your cracked heels, then scrub them gently with a pumice stone. Rub for another 20 to 30 seconds before washing with soap and water.

Caution:

If a medical disease is the cause of your cracked heels, do not attempt to treat it on your own. It could be necessary to receive specialised care from a podiatrist (foot doctor). No matter your medical history, a podiatrist should also look at cracked heels that are very bad. The doctor will recommend the appropriate course of action for your circumstances.

In the end, it can be hard to take care of heels, especially if you live in a dry area where they tend to crack. A lack of nutrients, diabetes, or atopic dermatitis may also cause cracked heels. The borders and soles of your feet may feel flaky and crusty when they become dry. These cracked skin symptoms can quickly disappear if you take good care of them by washing, moisturising, and wearing socks. Shea butter, coconut oil, olive oil, and honey are a few natural solutions for cracked heels. If these self-care solutions do not work for you, you must visit a doctor.

It is crucial to prioritise your health and ensure your well-being. Healthcare costs associated with sickness or accidents are covered by medical insurance. Your health insurance covers the costs of paying for your hospital bills or medical care directly. You can make online health insurance purchases conveniently with a hassle-free process.

Click HERE to buy an online health 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.

Buying a vehicle is a significant milestone in the lives of most people. However, it is a depreciating asset that requires much care to maintain. Irrespective of how well you drive, your car is bound to need some repair and maintenance at regular intervals by an expert and professional auto mechanic.

Most people get intimidated by a trip to the auto mechanic from the fear of the high prices and a lack of general understanding of the auto mechanics. Purchasing car insurance India is the first step to ensuring your vehicle is always protected.

When it comes to dealing with auto mechanics, following these five simple tips will ensure that you have a stress-free visit where you understand the costs and advice of the professionals.

1. Be prepared to communicate:
Communication is the most crucial aspect of any problem-resolution situation. You must be aware of any problems you wish to get checked. You don't need fancy jargon to explain the issue; as experts, a general idea is enough to give them an understanding of the underlying issue. You must be prepared to express what you expect- a regular maintenance check or component-specific troubleshooting.

2. Ask relevant questions:
Another major mistake is not asking questions. They may use jargon and quote estimates that you may not understand. Do not shy away from asking for clarifications. We do not recommend hovering around the mechanics. Still, it is justifiable to ask for estimates relating to costs, tips to prevent the problem from recurring, and help for other allied issues.

3. Read up on your car:
Knowing your car's make, features, and performing abilities allow you to understand the standard performance of the vehicle. Only then can you identify any variance that may require the inspection of a professional mechanic.
We recommend reading the car manual thoroughly and keeping information related to its identification number and component-related specifications handy in case it is required when scheduling a servicing appointment.

4. Request for original components from the manufacturers:
Buying a car is expensive, and any allied costs are just as expensive. Repairs and replacements can be pocket draining and are periodically required to keep your vehicle in its best shape. However, don't settle for replacing original components with copies made of inferior quality materials to minimise the bill.
Since regular repair costs are not included in car insurance India, the price of original components will inevitably have to be paid from your pocket.
However, using inferior substitutes will adversely impact your vehicle's performance and safety, putting your life at risk. Therefore, it is essential to request the mechanic to use original components to maintain the safety of your car.

5. Be available to approve further repairs:
In most cases, as mechanics work on the vehicle, they find other issues relatively more minor than the issue they are resolving presently. In such situations, they contact the owner to inform and ask for approval of comprehensive repairs. If you are unavailable at such times, the issue will magnify and cause concern.
If your car is at the garage and you get a call from the mechanic, it is suggested to respond at the earliest to get further updates that can improve the functioning of your vehicle.

Interacting with auto mechanics can be challenging, but it is a routine check you cannot skip, which is as crucial as purchasing car insurance India. However, dealing with auto mechanics can be simplified using our easy steps to get insight and the most value for your money.

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.

As a car owner or enthusiast, it's prudent to educate yourself about vehicle parts. The most confusing of them are fenders and bumpers that keep your car safe. You may have heard the term "fender-bender" from drivers when they get into a car accident and wondered, "What does it mean?" Fender and bumper damages refer to physical damages to your cars, such as dents. If you have recently bought a new car, this article will help you understand the difference between these terms.

However, before diving into fender vs. bumper issues in detail, we advise you to buy new car insurance to ensure your vehicle gets adequate protection against accidental damages and a hassle-free repair and servicing.

What is a car fender?
The fender has been a part of automobiles for a long time now. It is the part of the car that covers the wheels. The section where the fender goes is popularly called the "quarter panel." The quarter panel is the rounded corner of the car that protects the wheels.
In older vehicles, the fender used to be more pronounced. Whereas nowadays, with the modernisation of the structural design of cars, fenders have taken a flatter shape, complementing the car's frame.
Car fenders are an essential accessory for your car, as they play a crucial role in keeping the vehicle and its occupants safe. As the car moves, the tires grab and throw anything that comes in its path, such as small rocks, mud, water, etc. Fenders provide resistance against wind and roadside debris while protecting surrounding areas and nearby people from projectiles from your tyres.

What is a car bumper?
A car bumper has a "bumping" function, which means it acts as a protective perimeter to the body of your car and prevents other objects or vehicles from impacting it. In simple words, it reduces the impact of a collision by absorbing minor shocks. You can find bumpers in two places in your car, one in the front and another in the back.
Car bumpers may not prove very beneficial in protecting your vehicle from high-speed crashes, but they are quite valuable for safety during minor accidents. They also serve to protect pedestrians from severe injury in case of a collision.
Just like fenders, bumpers have also reduced in their size. Previously, they were mainly used for decorative purposes, and people came up with new stylistic designs. However, they have gained quite much attention in the automobile industry in recent years. They are no longer considered decorative items but essential for safety purposes. The effectiveness of rear and front bumpers has saved the lives of numerous car accident victims.

Several car owners struggle to understand the parts of their vehicle, making it challenging to communicate with the mechanics about car troubles. However, educating yourself about them can make all the difference when it comes to the proper maintenance of your vehicle.

Similarly, think of investing in the security of your car and buying new car insurance to ease the concerns that can empty your pockets and leave you frustrated. Understand your role as a responsible owner and do whatever is necessary to keep your four-wheeled companion safe.

Click HERE to buy new car insurance with the best benefits.

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.

Of the many injuries we are familiar with, a fracture seems to be the most painful. Not only it is excruciatingly painful, but it also takes a long time to heal. A fracture can slow you down, even for basic day-to-day chores. The healing is given ample time to ensure that the bones are correctly aligned. But having said that, waiting for your fracture to heal can be tedious.

The healing of a fracture covers three main stages: Inflammatory, reparative, and remodelling. During the inflammatory stage, special cells assemble in the injured area and cause redness and swelling. This is an indication to the body to stop using the affected area. The first bridge between the broken bones is made here as a blood clot or hematoma.

During the reparative stage, a soft bone or callus takes the position of the blood clot and holds the broken bones together. This soft callus is not strong enough to handle weight and movement. Over the subsequent weeks, the callus becomes stronger and can handle movement.

During the final stage, the normal bone replaces the callus entirely, and over a few weeks, the bone is back to its original condition.

In this article, we will look at the few things we can do to accelerate the speed of recovery.

1. Restricting movement:

The more the movement, the longer it takes for the bones to heal. To heal properly and quickly, the best method is immobilisation. Castes and plasters are the most common ways of giving your bone the support it requires while also restricting any painful movement.
If the fracture is more severe, the doctors might rely on screws, plates, or wires to keep the bone fragments intact. Always remember to consult a doctor in case of pain or discomfort.

2. Improving food habits:

A weak bone can take longer to heal. Vitamins and minerals are vital components of a healthy body. The essential component for bone development is calcium. Include food items such as milk, cheese, and other dairy products that contain high amounts of calcium that your bones require. For your bones to absorb maximum calcium from these food items, your body also needs Vitamin D. Vitamin D helps the bones effectively absorb the calcium from various food sources.
Avoid smoking and alcohol consumption. People who indulge in these habits experience slower and more painful healing. Avoid food with high sugar and salt content. Excessive sodium or sugar removes calcium from your body and significantly slows down the repair of broken bones.

3. Physical therapy:

Physiotherapy can work wonders for bone repair. Blood flow is an essential part of bone healing. Therapy under the guidance of a physiotherapist can help you regain strength and a greater range of motion. There are also some exercises that you can occasionally do. This ensures that your muscles and bones do not get stiff over time while in a cast.

4. Post care:

After the cast is taken off, try not to test the broken bone. Do not put a lot of pressure on the bone to ensure if your bone has healed or not. As tempting as it may seem, give your bones time to adapt to the surroundings without having external support.

These are a few valuable tips you can follow if you want a faster recovery of broken bones. All the methods mentioned above are simple practices you can incorporate into your daily routine. Healthy eating habits, regular exercising, and timely body check-up are essential to maintaining an overall healthy lifestyle.

This article is also a reminder for you to do your health insurance policy renewal. Accidents can be expensive, with the medical bills skyrocketing. Hence timely health insurance policy renewal is non-negotiable to avoid stress due to health problems.

Click HERE for health insurance policy renewal.

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

Regular car maintenance is a worthwhile investment since it allows a vehicle to operate more effectively and safely. Moreover, it helps avoid the need for expensive repairs in the future. Changing the engine oil improves the performance of your engine by spreading heat and keeping an appropriate temperature in the combustion chamber. In addition, you must remember that a well-maintained car helps you secure a car insurance renewal easily with added advantages like no claim bonus.

It is critical to use the proper lubricant for your vehicle to achieve optimal engine performance. There are many types of car engine oils available, and determining which one is best for your car is not an easy task.

How do you know which engine oil is best for your car? Here are the things you must consider.

1. Oil Viscosity:
When it comes to engine lubricant or engine oil, viscosity is a measurement of the thickness of the oil and the resistance to flowing. It is necessary to match the oil viscosity to the ambient temperature since thick oil does not agitate around the engine. Optimal viscous lubricant promotes energy efficiency while also preventing friction between components. Look at the care guide for your car's oil needs.

2. Analyse the previous engine oil's performance:
One of the essential things you should do when changing your engine's oil is to assess how well the prior engine oil performed. Changing your engine oil at specified intervals is vital to ensure smooth performance and safety.
Suppose the previous engine oil was refined, and there was no need for engine maintenance. In that case, you can use the same oil and brand without hesitation. It's best to choose an oil with the same manufacturer certifications as the one specified in your car manual if you can't find the one you need.

3. Type of car you have:
The type of vehicle is the most crucial consideration when selecting engine oil. There are several important factors to consider when buying engine oil for your car, including whether it is old or new, if it runs on gasoline or diesel, and if it has a high-performance engine or not, the brand, the series, and so on.

4. Follow the advice of the manufacturer:
It is suggested to follow the manufacturer's guidelines for engine oil changes in your vehicle. The importance of these guidelines becomes much more apparent when you own a new car that is still covered by the manufacturer's warranty. Use only the engine oil recommended by the manufacturer during this period because using a different oil could invalidate the warranty and affect your car insurance renewal.

5. Environmental factors:
The choice of engine oil is influenced by whether or not the vehicle is subjected to high-temperature conditions. Choosing an engine oil that can handle low and high temperatures is essential when driving in harsh climates.

It is critical to choose the appropriate engine oil for your engine to run at peak performance. Furthermore, the proper engine oil will improve the engine's performance and the car's overall fuel efficiency.

It is highly suggested that car insurance renewal be done before the due date to receive uninterrupted insurance benefits for a prolonged time. So consider these five factors the next time you're shopping for engine oil to get the best results.

Click HERE to get your car insurance renewal done before expiry.

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

Driving is a predominantly visual activity. Only learning the controls of the car is not enough. Good visualisation is one of the essential skills to develop when driving a car. Although you must concentrate on the road ahead, it is crucial to have a clear view of the sides and back of the car as well. Adjusting the side and rearview mirrors is vital to ensure a well-rounded view while driving.

Further, you should rely on emergency financial help by investing in dependable motor insurance India plans in case of road accidents, as it is always better to be safe than sorry.

All cars have blind spots; therefore, adjusting your rearview and side mirrors to the optimum can ensure maximum visibility and safety on the road. In this article, we tell you how to use your car mirrors efficiently and avoid the chances of accidents while driving.

1. Rearview mirror:
The rearview mirror, positioned next to the driver’s seat slightly above their eye level, is used to see the road behind and if any cars are approaching. The driver must adjust the rearview as per their height and comfort as soon as they get into the driver’s seat.
To adjust the angle of the mirror, sit up straight in a comfortable position, hold your head still, look into the rearview and shift it until the back or rear window is entirely visible in the mirror. Do this to avoid any blind spots. If more than one person is driving the same car, make sure to check the rearview mirror every time you get into the driving seat and readjust it to the best angle, in case it has been shifted as per another driver’s comfort.
When driving at night, flip the tab at the bottom of the rearview mirror that helps dim the light reflected by the headlights of the cars approaching behind you that may strain or blind you. In addition, some advanced car models enter and exit night mode to aid your visualisation.

2. Side mirrors:
Every car has a single side mirror on the left and right sides of the vehicle, respectively. As they are located outside of the car, it can be difficult to manoeuver them from inside. While many modern car models have levers or buttons that help adjust the side mirrors from the inside, some of them may not.
If your car does not have a lever or buttons to adjust the side mirrors, make sure to do so manually, right after you adjust the rearview mirror. Sit upright in the driver’s seat, first glance to one side, and adjust that mirror to an angle that helps reflect the side of the road. Shift it to a wide angle to get a comprehensive view of the side of the road. Repeat the same method for the mirror on the other side. If you have a lever or button inside the car, angle the side mirrors using it. The side mirror should provide a wide sideways view in just a simple glance.
The pro tip is to adjust the side mirrors to an angle that allows you to see right from the side of the road to the very back, including the approaching car, to maintain a safe distance.

Following these few tips to adjust the car mirrors can vastly improve your visualisation and assist you considerably while driving. It leaves very little room for errors or accidents. Apart from angling the mirrors, you must also check the wheel alignment, tyre pressure, oil levels, acceleration, and brake control to ensure safety before hitting the road.

Also, prioritise investing in motor insurance India plans and get the perks of financial coverage in case of loss or damages during accidents. Add value to your possession and get the best returns with assured safety.

Click HERE to know more about motor insurance India 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.

Indoor rodent infestations may have significantly reduced over the years; however, they still pose a threat outdoors. While we hear several stories about the damage caused by rodents and insect infestations in cars, we rarely hear about how badly they can damage two-wheelers.

Rodents, particularly mice and rats, are primarily attracted to areas where they can find ample warmth and hide. For them, bikes that have been stored away in garages for the long term make a perfect home. Although these mice usually take shelter in cars, bikes are a perfect warm spot for them, specifically in the winter months.

What are the threats caused to your bike by mice?
If you think rust is the worst thing that can harm your bike, you may be wrong. Mice and other such rodents can be far more damaging to your two-wheeler. From chewing on bike parts and wiring to building nests inside your engine, mice can cause terrible damage.
Mice are quick to chew into various parts of the bike, especially wiring. This can cause the engine and other parts to fail and is very difficult to fix. These damages incur high costs for the maintenance of your bike. In addition, it can be challenging to reach and repair the internal parts of the bike that have been damaged, causing unfavourable wear and tear in the process.
The nests created in internal parts of the bike are another major issue. Mice store food and other materials in the nests, which can clog the engine. They carry diseases and germs that can be detrimental to your health. If the nest is built near the air filter, there is a considerable danger of expelling rodent excrement every time you start the bike, leading to the spread of airborne viruses.

How to keep mice away?
Whether you are trying to get rid of the mice or are simply taking preventive measures to protect your vehicle, these few tips will go a long way in avoiding any more damage caused by rodents:

1. Mice try to find places that humans or other animals don’t regularly use. A stored bike in the garage or outdoors is one such place. The easiest thing to prevent this is to take the bike out for a ride frequently.

2. A simple mouse trap can help catch the ones that may be inside your vehicle. Keep the bike in a shed or enclosed area, set enough mouse traps around and underneath the bike, and check after a couple of days.

3. You can find many mice or rodent repellent sprays and medicines in local stores or online. Spraying these all over the bike will help chase away all the mice dwelling in and around the two-wheeler and prevent any more rodents from coming near it.

4. Block all mouse holes or hiding places in the garage where you store your bike. Making it a rodent-free zone is crucial. Avoid parking the bike in forested areas or lands with tall grass to avoid any future infestation.

5. Mice have a strong sense of smell and can be highly affected by it. Applying peppermint oil on tiny buds of cotton and placing them in various corners of the vehicle can help drive them away.

These tips may not undo all the damage caused to your vehicle, but it’s always good to be aware. So, be wise enough to have bike insurance so that you can recover the damage caused by mice. Also, if your bike insurance plan covers non-collision damages, you can easily file a claim.

Click HERE to get the best deals on bike 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.