GENERAL INSURANCE BLOG

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

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

1. Start with the engine

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

2. Go for the air filter

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

3. Examine the spark plugs

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

4. Address the clutch

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

5. Look out for the brake

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

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

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

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

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

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

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

1. Always compare:

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

2. Opt for online mode:

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

3. Look out for deductibles:

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

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

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

5. Always renew your policy before it lapses:

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

6. Go for long-term insurance policies:

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

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

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

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

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

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

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

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

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

Click HERE to know more about the best two wheeler insurance in India.

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

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

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

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

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

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

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

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

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

Click HERE to know more about health insurance in India.

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