GENERAL INSURANCE BLOG

An automobile comprises interconnected mechanical elements and complicated electrical wiring technologies. While we may enjoy contemporary comforts such as stereos, interior lighting, and even hologram speedometer readings as long as the electrical systems function correctly, all systems and components come to a standstill on account of short circuits.

A short circuit is a wiring fault because of a loose or defective wire that shunts electricity between courses before it hits its target. Although the signs of a short circuit are similar to those of an open circuit, the diagnosis is somewhat different. A short circuit may happen in various ways, and it's not always straightforward to locate and fix.

However, to understand how to discover a short circuit, we must first grasp how a perfectly working circuit operates. So here are a few tips for locating a short circuit in your car.

1. Make a map of your vehicle's circuit:
Remove the wire harness from your vehicle and turn to your Early Warning Device (EWD) to start diagnosing the circuit. Identify the various cables and circuits you're inspecting so you know where to go next. Wire colours should match the colours specified in the EWD. However, this may differ based on where you obtained your EWD.

2. Examine any exposed wiring:
One may also save time and effort by inspecting any exposed wires first. You may find a damaged or chafed wire that you can immediately begin mending. However, since most automobiles' wiring is tightly wrapped, you'll almost certainly need to try a few boards to figure out where the issue is.

3. Inspect all wires for faults:
If you feel a specific wire causes the problem, you may detach its connection at either the sensing or loading ends. Check your test indicator to see if it fades out or your multimeter to check if it stops buzzing. Next, you may remove your car's panelling and inspect the wires to see if you can pinpoint the problem.

4. Testing the 5V circuit:
In case the short is a 5-volt circuit, the Engine Control Module utilises it to regulate the gearbox and engine. You may unplug the battery first, then the ECM. It'll also enable you to identify electrical oscillations and approximately pinpoint the location of the short circuit.

5. One-by-one assess all the fuses:
Check the fuses and look for any easy, quick short circuits. Take a fuse at random and attach your testing indicator to its socket terminals. If a current is detected, the test LED will light up. If the test light does not ignite, it may suggest that electricity is not flowing to that fuse. This indicates that the damaged wire is along that route.

Knowing how to detect a short circuit may save you a lot of time and money while ensuring that your car is safe and perfectly operational. While it might be time-consuming, utilising the approach mentioned above should provide you with the knowledge you need to detect and fix any short circuit in your vehicle.

However, if you still face difficulty identifying the origin of the short circuit, visit the nearest garage. It is ideal to have your vehicle backed by insurance for even minor expenses like these. Search for the best car insurance in India and get yours right away to cover your vehicle against damages caused due to unexpected short circuits.

Find the best car insurance India for your vehicle HERE .

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.

Be it the summer season, winters, or heavy monsoon, you need to take care of a few things to ensure your car's proper functioning and longevity. While external servicing and maintenance of your car are crucial, some particular factors ensure that your vehicle is up and running.

The summer season brings in good weather. But the drastic temperature rise can harm your car. In this space, we will discuss tips for caring for your vehicle during the summer season to keep it in good condition.

1. Cooling your engine:
Engines getting heated due to high temperatures are one of the significant causes of car breakdowns in summers. You can cool off the engine by using cooling systems in your car as recommended by the manufacturer.

2. Coolant refill:
To keep your cooling system in excellent working condition, make sure to refill the coolant according to the overflow status. According to most manufacturers, the cooling liquid mixture usually contains a fifty-fifty water to coolant ratio.

3. Inspect your car:
Some parts of your car are susceptible to heat damage and may deteriorate in high temperatures. Examine your vehicle, and replace any wear and tear or other damages as soon as possible. Also, keep an eye on the coolant leakages due to fuel expansion in summers.

4. Tyres:
Take a close look at your tyres. If they appear to be more inflated than required, get them checked. It's necessary to regularly monitor the air pressure levels in your tyres during the summers.
Failing to do so might risk a tyre blowout which can be a considerable safety risk, especially if you're on the road, examine your car tyres for signs of wear and tear and replace them if you find any damages.

5. Corrosion:
Once your vehicle reaches a specific limit, it is recommended to check your ignition system. The electrodes might corrode or wear out, so replacing the spark plugs is the solution to combat any ignition issues.

6. Air conditioning:
Examine the air conditioning of your car, especially in the summer season. Any defects leading to the disruption of the air conditioner can cause massive discomfort during your travels in such rising temperatures. Also, ensure that you inspect the compressor clutch while checking the air conditioning system.

7. Wipers:
The wipers of your car play an integral role while you're driving. They clear the windshield, making it easier to see while you drive. Replacing the wipers for the summer season with new ones would prepare you for the storms or rainy downpours midseason.

These were a few expert car care tips you will need to take care of your vehicle during the summer season. Apart from these tips, consider protecting your car against unprecedented circumstances. Emergencies like road accidents or damages to different parts of your vehicle can lead to heavy monetary expenses. To avoid paying a massive sum of money in such unforeseeable situations, you can explore various options and purchase car insurance online in India.

Click HERE to know more about how you can get car insurance online 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.

First-aid tips and techniques have been a part of our educational curriculum since junior school. We all have learned the first-hand treatments one must do when there is a manageable injury or burn on our or someone else’s body. However, with time and as the level of injuries and diseases evolved, our knowledge about first aid falls short in terms of adequacy in the healing process.

Moreover, burns can happen anytime, primarily if operating around heavy machinery, fire, or in the kitchen. And it requires a lot of time to heal with proper care, ointments and medications, and extra precautions.

But what are some of the best ways to take care of these burns? What items should you include in your first aid kit to help you or someone else? Are there different degrees of burns, and which type of burns can first aid easily?

In this space, we’ll clarify all your doubts regarding first aid for burns. Let’s get started.

1. Minor or major:
A burn usually indicates tissue damage when the skin comes in contact with high flames, boiling water, sunburn/radiation, chemicals with corrosive properties, etc. Before starting the burn treatment, it is advised that you determine the degree of the burn to alter your treatment accordingly and determine whether immediate medical attention is needed.
A major burn occurs when the diameter of the burnt area is more than three inches, resulting in brown, black, and white patches with a dry and leather-like texture of the skin. In case of a minor burn, blisters appear on the burnt area, usually less than three inches in diameter. You will experience pain and inflammation, which might cause redness and soreness on the burnt site.

2. What you should NOT do:
Before we tell you the first aid tips you should follow, you need to be aware of the contamination of the sensitive and burnt part of the skin. Avoid using home remedies like butter, ice, water, etc., and immediately do not take any medications or remedies without consultation.

3. Must know first aid tips:
Remove jewellery items like rings, bangles, etc., from the burnt area. Cooling off the burn is essential. You can gently use cold water on the burnt portion and wet compresses to help with the inflammation and lower the pain. If you see any blisters, do not remove or poke them, as they protect the area from infection. If you see a blister pop, gently clean it with a disinfectant solution and cover it with an antibiotic cream. To ensure that the affected area does not dry out, use skin-friendly and chemical-free moisturisers. Aloe vera is a good option in such cases. Use sterile gauze and tapes to bandage the burn, but ensure that you do not tighten the grip of the bandage. Keeping it loose will prevent excessive pressure and alleviate pain.
You can take any doctor-recommended painkillers if the pain gets unbearable and causes too much discomfort. Avoid heavy tasks involving the burnt area, and avoid using fluffy cotton as tiny threads of cotton might stick to the burn risking the chance of an infection.

We hope you found the blog helpful. You must take care of your body and be extra cautious about your health to lead an extraordinary life. But sometimes, your efforts might fall short in unfortunate circumstances. To alleviate the monetary stress of such times, you must purchase the best personal accident insurance India which will provide you and your family with a reliable layer of financial protection.

Click HERE to learn more about the benefits of buying the best personal accident 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.

Human resources are the greatest asset for any company. A good workforce can make or break a company. Companies often offer group personal accident insurance to protect their workforce from the loss of income from any kind of accident and related disability or death. The employees feel protected against financial uncertainties of work-related hazards with such insurance. It benefits employees working in heavy industries with dangerous machinery and surroundings.

Group personal accident insurance India is an effective way for employers to attract and retain talent. As an employee, it offers protection against the financial distress of disabilities and supplements your existing insurance covers. Let us know more about it.

1. Coverage:
Group personal accident insurance provides comprehensive coverage to an entire group against accidental disability and even death. Policies are customisable according to the number of people in the group and their specific needs. Hence, you can be reassured if your group is too large or small. Such policies provide discounts on a higher number of members in the group.
● Permanent total disability – Insurance companies will pay you the total sum insured in case of permanent total disability such as loss of leg, limb, eyesight, etc.
● Permanent partial disability –You are eligible to get up to 50% of the total sum insured in case of permanent partial disability, such as loss of one foot, loss of hearing, damage to eyesight, etc.
● Temporary total disability – You will get a certain percentage of the total sum insured in case of temporary total disability from an accident, depending upon your policy terms and conditions.
● Medical care – The policy will also cover your medical expenses, even if you are admitted for one day in a daycare treatment. Moreover, it will also cover your cost of OPD treatment, physiotherapy sessions, and ambulance transportation.
● Education – Some policies also come with an education add-on cover. The insurance company will take care of the education expenses of up to two dependent children in case of the insured person's death.

2. Need and importance:
Several industries require their employees to work on heavy machinery and risky surroundings, including the iron and steel industry, automobiles, pharmaceuticals, etc. A work-related accident can cause temporary or permanent disability, causing a financial crisis and a lot of trouble for the employees and their families.
So, if you are an industry employee, group personal accident insurance India covers you against such unfortunate accidents. It takes care of the hefty hospital bills for your treatment up to the limit of the policy amount. It also provides financial assistance to the nominee in case of the policy holder's demise.
Therefore, such a policy will give you peace of mind and protect you against the monetary distress of disability or death, allowing you to work stress-free with greater efficiency. It also helps build trust with your employer and strengthens professional ties for a long time.

3. Exclusions:
Group personal accident insurance India does not cover pre-existing diseases when purchasing the policy, self-inflicted injuries such as a suicide attempt, mental disorders, non-accidental medical treatments, hospitalisation due to substance abuse, criminal activities, or war. Ensure to read the terms and conditions of the policy to know more about the details. You may contact your employer or the insurance company if you've any queries regarding your coverage.

Group personal accident insurance India offers coverage that regular health insurance policy does not provide and also compensates the nominee with a lump sum payment in the unfortunate event of disability or death due to an accident. This can be a great financial support to your dependent family members.

Choose the best personal accident insurance India to provide complete coverage, support, and protection during the time of need.

Click HERE to buy personal accident insurance India 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.