GENERAL INSURANCE BLOG

When it comes to buying a bike, whether it's a scooter, motorcycle, or any other type of two-wheeled vehicle, assessing the many options available in the market can be overwhelming. That's where bike reviews come into the picture. They provide a comprehensive guide to the latest models and trends in the industry, making it easier for you to make an informed decision.

The credibility of bike reviews
When reading bike reviews, it is important to consider the source's credibility. Reviews from reputable sources, such as established publications or experienced riders, are generally more reliable than reviews from unknown sources. You can visit different articles or watch online review videos to get more clarity on your decision.

Reading reviews from multiple sources
To get a well-rounded understanding of a bike and its features, reading reviews from multiple sources is a good idea. This will give you a variety of perspectives and opinions on the bike, helping you to decide on the model that fits your requirements. For honest feedback, you can even ask for reviews from existing owners of the two-wheeler you wish to purchase.

Benefits of reading bike reviews
Reading bike reviews offers many benefits, such as staying up-to-date on the latest trends in the industry, comparing different models and features, and finalising your budget.

Latest trends in the bike industry
The bike industry is evolving and constantly introducing new models with additional features. Here are some of the latest trends in the industry that you should know about:

● Electric two-wheelers: With a growing focus on sustainability and reducing carbon emissions, electric two-wheelers have become increasingly popular in recent years. Rechargeable batteries power these vehicles and offer a more environmentally-friendly alternative to traditional petrol-powered two-wheelers.

● Smart technology: Two-wheelers are becoming smarter by integrating advanced technology such as Bluetooth connectivity, GPS navigation, and smartphone integration. This allows riders to stay connected and access important information on the go, improving safety and convenience.

● Lightweight materials: Lightweight materials such as carbon fibre and aluminium are used more frequently in manufacturing two-wheelers, making them lighter and more agile on the road. This improves performance and manoeuvrability, allowing riders to enjoy a smoother and more comfortable ride.

● Safety features: Two-wheelers have more advanced safety features such as anti-lock braking systems (ABS), traction control, and automatic emergency braking. These features help prevent accidents and improve the overall safety of riders on the road.

● Customisation: Two-wheeler manufacturers now offer a wider range of customisation options, allowing riders to personalise their vehicles to their unique preferences. This includes everything from custom paint jobs to aftermarket accessories and performance upgrades.

The importance of setting a budget
Bikes can range in price from a few thousand to several lakhs of rupees, depending on the model and brand. Setting a budget beforehand allows you to compare your options and choose a bike that fits your budget.

Importance of 2 wheeler insurance online
When you purchase a bike, it's important to consider purchasing 2 wheeler insurance online. Not only is it mandatory by law to have third-party insurance coverage for your vehicle, but it can also provide financial protection in case of accidents, theft, or other unexpected events. By purchasing 2 wheeler insurance online, you can compare policies from different insurance providers, choose the one that best fits your needs, and easily make payments and file claims online. This can save you time and hassle, allowing you to focus on enjoying your bike with peace of mind.

Bike reviews are a comprehensive guide to the latest models and trends in the industry. By reading reviews, you can stay up-to-date on the latest advancements in the industry, compare different models and their features, and decide on a bike that meets your needs and fits your budget.

Click HERE to buy the best 2 wheeler insurance online for your new bike.

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.

General insurance is any insurance other than life insurance. There are several types of general insurance, such as fire, marine, personal accident, travel insurance, etc. While defining their policy coverage, insurance companies often categorise a few activities as high-risk activities. They include car racing, bungee jumping, scuba diving, horse riding, construction work, mining, etc.

We usually don’t pay attention to insurance coverage when buying a new policy concerning such high-risk activities. We may get a costly treatment bill if we unknowingly engage in activities that make our insurance null and void. Let us know more about general insurance for high-risk activities.

1. Travel insurance
Travel insurance provides coverage against trip cancellation, baggage, and personal belonging protection, coverage for medical expenses, and accidental death. However, there are several high-risk activities that traditional travel insurance does not cover. They include risky adventure sports such as skydiving, hand-gliding, parachuting, cliff diving, mountain climbing and biking, scuba diving, racing, and base jumping. These activities may give us an adrenaline rush, but insurers usually do not cover them because of the high risk involved in conducting them.

Insurance companies may exclude coverage of accidents for the above high-risk activities and deny compensation when needed. However, a few insurance companies may provide due coverage for such accidents by adding a few riders, such as hazardous sports riders. They will look at several factors such as your age, frequency of indulging in such activity, level of experience, etc. They will calculate the premium accordingly, which will be higher than the regular policies. But it may be worth paying a higher premium for your policy in case you need it in the future.

2. Health insurance
Health insurance companies weigh the risk of providing you insurance coverage according to your occupation. Some occupations are considered highly risky, such as mining and construction. The probability of accidental death or injuries is very high in such professions. Hence, insurance companies may deny providing you coverage or may charge a high premium for issuing you a policy because of occupational hazards.

3. Workmen’s compensation insurance
Accidents at workplaces are inevitable and may result in bodily injuries, partial or permanent disability, or even the death of an employee. Some high-risk professions may cause dermatitis, respiratory illnesses, cancer, hearing or vision loss, stress, and mental disorders.

Employers have a legal liability to pay for the medical treatment expenses of their employees when workplace hazards have caused an illness or accident. Manufacturing, trading, and service setups can buy a workmen’s compensation policy that provides coverage against this liability. It covers the payment for legal compensation to the employees and their dependents when the employee suffers an injury or meets with an accident at the workplace.

Accidental death, permanent total disability, permanent partial disability, and temporary total disability are covered under such insurance policies. We can also buy several add-on covers such as medical extension, terrorism coverage, and subcontractor coverage.

General insurance plans are the solution to cover such risks. We should do thorough research about the general insurance plans that can provide us adequate coverage while we engage in any of the above high-risk activities and professions. Read all the terms and conditions properly, compare the various available options, and choose the general insurance plan that best suits your requirement.

Click HERE to browse different general insurance plans.

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

Getting ready for a long road trip? But the thought of continuous driving and exhaustion troubles you? During the long journey, you can pass out and nap briefly to reach your destination comfortably.

Taking a short nap demands you make a cozy bed inside your vehicle. However, it would help if you were sure your car offers enough comfort to sleep with the right air-conditioning system and ventilation.

As long as there are open windows, fresh oxygen will continue to enter the car, making it safe to sleep in a vehicle without the risk of feeling choked. If you're sleeping in a hotter or humid region, you should open a window just a little to let some cooler air in. Never leave the windows wide open while you sleep. Also, it is crucial to ensure that you halt at a well-lit place, preferably a parking area or in proximity to toll plazas on highways. Lock all your doors and keep the parking light on to signal passing vehicles.

While it may seem fascinating and unbelievable, comfort and safety are always concerns. This article presents some safety measures to take while planning to rest in the car.

1. Setting up the warm bed
The first thing is to convert your vehicle into a warm and cozy bed. One method to accomplish this is to flatten the front and back passenger seats and turn them into beds using a sleeping bag or a mattress. With this, you may sleep with your feet in the back of the vehicle and your head on the flattened front passenger seats. You can sleep across if you're tall.

2. Staying upright with a seatbelt
If you're a passenger and feel like sleeping in a moving car, then fasten your seatbelt and sleep in a straight posture for a better sleeping experience. If you're in the rear, it could be tempting to unbuckle your seatbelt and fall asleep on your side. Keep your seatbelt on and resist the urge to unbuckle it. In the same vein, don't let your seat recline. Keep it upright. In a collision, your seatbelt and airbags won't provide as much protection if you recline.

3. Turn off the engine
You might be tempted to leave the engine running on a chilly night to produce heat and keep you comfortable, but doing so could be harmful. The air will become contaminated with hazardous carbon monoxide if your car's engine is left running. Turning off the engine is very important for a safe sleeping experience.

4. Leave the window slightly open
People sleeping inside the car often face breathing problems due to a lack of ventilation. The solution is to keep the windows slightly open. Completely closing your window prevents airflow, which could make you feel uneasy the following morning.

5. Text your friends and family about your location
There are high chances of robbery or any misfortune you may face while sleeping in the car. When you plan to sleep in the car, send your location to your friends and family in an emergency. It will help them stay connected and receive updates.

Long road trips can result in fatigue and lethargy due to continuous driving. Above all, make sure your car has its insurance renewed. All these steps can help you enjoy a peaceful sleep in your car and allow your body to rest for a while before continuing the journey. After completing your sleep, you can do some basic body stretches and wash your face to feel fresher and more energetic. As we discussed, safety is paramount while driving a car, so it is advisable to invest in good car insurance. Also, a timely car insurance renewal can help avoid any claim rejection if there is any mishap in the car while you sleep.

Click HERE to get a car insurance renewal before leaving for a trip.

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.

Attention deficit disorder is a serious mental disorder in children and young teenagers. A study shows that almost 17% of Indian youngsters have ADHD or attention deficit disorder. Furthermore, almost ten million children are diagnosed with ADHD annually in India. Therefore, to avoid the possibility of ADHD, you must learn everything about it.

What is ADHD?
ADHD is the abbreviation for Attention Deficit/Hyperactivity Disorder. This disorder is a chronic mental condition that affects children, and if untreated, it may continue into adulthood. However, the symptoms may reduce with age as adults learn to cope with ADHD independently. But chronic ADHD can affect your children's regular and academic performances.

Types There are three types of ADHD:
● Predominantly inattentive
● Predominantly hyperactive/impulsive
● Combined (both inattentive and hyperactive)
Causes
Scientists are still not sure about the root cause of ADHD. However, modern studies say that genetics plays a vital role in developing attention deficit disorder among children. Furthermore, the following factors have the potential to cause ADHD:
● Alcohol or tobacco intake during pregnancy
● Early pregnancy
● Premature birth
● Brain injury
● Problems in the Central Nervous System
● Low birth weight
● Childhood trauma
● Other environmental issues
Symptoms
Common symptoms of ADHD are inattentiveness, hyperactivity, and impulsive behaviour. However, boys and girls may show different symptoms. While your boy child can become hyperactive, you can spot young girls being quietly inattentive.
Children begin to show symptoms of ADHD as early as 3 years of age. Scientists have categorised the symptoms according to different types of ADHD:
● Predominantly inattentive
1. Lack of attention in any work
2. Failing to focus on school
3. Lack of focus on constructive chores
4. Avoid doing a chore like homework that demands mental effort
5. Repeated loss of focus and attention while talking to people
6. Forgetting important tasks
7. Not paying attention to elders
● Predominantly hyperactive/impulsive
1. Difficulty in being quiet
2. Constant talking
3. Interrupting others while talking
4. Always in motion
5. Signs of restlessness while sitting in a place
6. Fail to concentrate on one thing for a long time
7. Always doing something that does not seem normal in a child
● Combined (both inattentive and hyperactive)
1. Being inattentive and interrupting others
2. Too much energy but a lack of interest in doing anything constructive
3. All the symptoms of the two types mentioned above
When should you consult a doctor?
Many parents confuse normal high energy and inattentiveness in their children with attention-deficit/hyperactivity disorder and rush to their paediatrician. However, it is normal for a healthy child or inquisitive teenager to exhibit high energy and restlessness to learn new things.

Again, some parents confuse ADHD with normal activities and neglect their child's problems. If you ever sense anything unusual in your children and feel that certain behaviours are abnormal, you should consult your healthcare professional immediately. Your children cannot tell you their problems. It is your job to pay close attention to every activity of your children. Your children may be attentive and quiet at home but behave otherwise in school and vice versa. All these symptoms can be an alarm for ADHD.

Complications
ADHD does not lead to any serious complications. However, children with ADHD can develop certain complications.
● Oppositional Defiant Disorder
● Autism Spectrum Disorder
● Mood Disorder
● Learning Disabilities
● Anxiety Disorder
● Conduct Disorder
Prevention
Since there is no definite proven cause of ADHD, no specific method is known to prevent ADHD. However, it would be best if you stopped consuming caffeine, alcohol, and tobacco during your pregnancy. Furthermore, you can limit the screen time of your teenagers.

Attention deficit/hyperactivity disorder is a chronic medical condition that you should handle carefully under the proper instruction of your paediatrician and psychiatrist. Insure yourself and your loved ones with the right medical coverage. Offline and online health insurance companies will cover your children's medication expenses. Invest in reliable health insurance and cover your medical expenses for hospitalisation, illness, accidents, etc.

Click HERE to browse online health insurance policies.

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.