GENERAL INSURANCE BLOG

Besides its legal obligations, bike insurance can help you avoid paying heavy amounts for any damage, theft, or mishaps. But if you buy two wheeler insurance online, you must look for the various coverages the insurance policy provides. What if your two-wheeler catches fire because of an accident or other disaster? Will your insurance policy cover it?

Fire can cause minor issues, such as wire or seat damage, or even the total loss of your vehicle. Repairing significant damages or even a total loss may cost you a fortune, as you have to pay a considerable amount for repair or replacement. Thus, it would help if you had a bike insurance policy that offered you financial assistance for the damages caused by the fire. This quick guide will help you know whether your bike insurance policy covers fire damage.

Which two wheeler insurance covers fire damage?
There are three main types of bike insurance, but coverage of damages depends on the type of policy you pick. However, here is a list of bike insurance policies and the range of coverage that each policy provides.

Comprehensive bike insurance:
Comprehensive bike insurance is one of the most popular types of insurance due to its wide range of coverage, and it covers both own damage and third-party damages. Besides covering fire damage, this two wheeler insurance policy covers the following damages:

● Third-party injury

● Vehicle theft

● Accidental damages

● Third-party property damage

● Death of the third party

● Natural calamities damages

● Artificial calamities damages

Standalone bike insurance:
A standalone own-damage bike insurance policy only covers the damage to your bike. Here is the list of coverage this policy allows:

● Damage caused due to fire

● Bike theft

● Natural calamities

● Accidental damages

● Artificial calamities

Third-party bike insurance:
Third-party bike insurance offers coverage for the injury or damage of a third-party vehicle. However, this insurance does not cover the damages to your bike, including fire damage. But, having this policy is mandatory by law:

● Third-party injury

● Third-party property damage

● Death of the third party

Inclusions and exclusion of fire damage in two-wheeler insurance:
When you buy two wheeler insurance online, you must know the terms & conditions and the coverage for fire damage. Here is the list of inclusions and exclusions for fire damage.

Inclusions:

● Accidental house fire

● Natural calamities

● Riots

● Motor accident

● Vandalism

Exclusions:

● Fire damage due to mechanical or electrical defect

● Damage due to the addition of extra accessories

● Damage due to deliberate acts or own negligence

● Fire damage caused outside the specific geographical area

How to claim for two-wheeler fire damage?
If your vehicle is damaged due to fire and you have your bike insurance policy which covers fire damage. Then you must follow the below process to claim for such damages:

● Contact your insurance provider and inform them about the damage and its cause within 48 hours

● Collect various evidence, such as taking videos or pictures of the incident or the damaged parts of your two-wheeler due to the fire

● Visit your nearest police station and file an FIR

● Submit multiple documents such as address proof, identity proof, etc.

● Then the insurance provider will send a surveyor for an inspection of your case

● In case of minor repair or replacement, the insurer will offer you compensation

● In case of a total loss, the insurer will give you the amount as per the policy's terms

Documents required:

● Driving licence

● Identity proof

● FIR copy

● Registration certificate for bike

● Report of the fire brigade

Various reasons can cause fire damage, and it can be pretty disturbing for you to pay for the repairs or replacement of the damaged parts. Thus, it would be best if you had bike insurance covering the fire damage and providing you with the financial assistance you need during an emergency. It is best to buy two wheeler insurance online, browse through multiple options and research the one that offers comprehensive coverage, including fire damage. This way, you can efficiently ensure the longevity of your two-wheeler and stay financially sound.

Click HERE to buy two 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.

Motorbikes have been an essential mode of travel for decades now. They are not only cost-effective but also justify the style quotient. Most people like customising their motorbikes and replicating their creativity on their bikes. And, welding is one of the best ways to make customisation easy.

If you like customisation, welding is an activity you can enjoy. Instead of toying around with your motorbike to the garage, you can do it yourself. You'll not only save a few bucks this way, but you'll also have a chance to design your bike in the way you want.

If you are a beginner, fret not! Follow this article to learn more about welding. We have listed all the information that will help you get the best results for your motorcycle welding. Additionally, you should also keep in mind that your motorcycle is precious to you, and you should have bike insurance that secures it at all times. This way, even if something unexpected occurs, you'll have something to fall back upon.

What is motorcycle welding?

Welding typically refers to the fusion or culmination of two materials. Either plastic or metal can be used for welding purposes. Metal is used most commonly.

The popularity of motorcycle welding has reached new heights in recent years. Most customised bikes that grace the roads have some modified motorcycle frames created through welding. Nowadays, most people have also taken it up as a hobby to get their hands dirty and give their motorcycle a fresh look.

Tips for effective welding:

The various tips and tricks that you can follow for effective motorcycle welding are as follows:

1. Manage contamination:
The surface plays a crucial role in welding and should be prepared in advance. You should ensure that it is free of contamination, like dust, dirt, or rust. Contamination can hinder welding quality, and many issues can occur if the weld penetrates the base material altogether.

2. Heat management:
Heat management is crucial for effective welding. The thinner materials or panels can be greatly affected by heat. It can even distort several frames if they're too thin. All in all, the heat levels should be checked at all times. If the welds are out-of-position, you should weld in the uphill direction. Due to this, the heat will be distributed evenly without any issues.

3. Be prepared for pipes:
If you're a beginner at motorcycle welding, you'll probably not know about welding pipes. Pipes are used majorly for all the frames used in motorcycles. However, it is noteworthy that welding a pipe is tricky and cannot be treated like a normal weld. It is difficult to fully weld around the circumference of a pipe without committing a mistake. You can try welding the pipe separately a few times to tackle this problem. Another way is to find equipment that will rotate the pipe while your welding machine stays in place. Either way, you'll be able to tackle the pipe welding problem.

If you're a fan of experimentation, welding can work wonders for you. It is important to have a clear idea about motorcycle welding before diving into it. You should remember all the tips and tricks to derive the expected outcome. Stay alert and ensure your and your bike's safety during welding parts. Always wear gloves and a face shield to protect yourself from getting injured. You should also look after your bike's safety and ensure that you don't damage any part of the internal machinery while welding. Purchase bike insurance to compensate in case of damages done due to accidents.

Click HERE to buy reliable bike insurance to provide the best coverage to your 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.

The youth of today believe in capturing every moment. Thanks to technology advancements, photographing a memory takes only a few clicks. With the onset of the age of social validation, clicking unique pictures is the way to stand out in a crowd. People have gone to lengths trying to capture a perfect moment. The results are sometimes outstanding and, other times, an invitation to danger. In this article, we will discuss how selfies have taken a dangerous turn in the past and how to look out for your safety while clicking pictures.

Over the years, we have seen a rapid rise in the use of mobile phones in the country. Be it for communication or the accessibility that a phone brings, people of every age group have invested in a smartphone. What comes as a shock is that India has a record number of deaths caused by selfies. News about people drawing, falling off a cliff, and car accidents became part of our daily lives.

How do we avoid these situations? Let's take a look at how.

1. Maintain a safe distance:
If you intend to take selfies on a bridge or a high-rise area, it is best to maintain a distance of a few feet to ensure your safety. The weather at such locations is highly unpredictable, making the site more challenging to manoeuvre. Avoid leaning too far, and stay away from the railings. If you want to catch the view more closely, invest in a sturdy and good-quality selfie stick that can be extended further. This way, you can rest assured that you are getting the best picture while being safe and responsible.

2. Avoid busy roads:
The roads in India are almost always crowded with people and vehicles. Everything starting from pedestrians to rickshaws and trucks, take the same road. To avoid congestion and accidents, avoid taking selfies on overcrowded roads. Not only are you putting yourself at the risk of getting hit by a vehicle, but you are also running a risk of mugging and robbing. It is best to keep your phones and cameras inside your bag for safekeeping.

3. Avoid water bodies:
The beautiful picture of water washing your feet and waves crashing from across is a sight to behold. But did you know that most selfies-related accidents occur by drowning? If you want to take images around beaches, rivers, or waterfalls, maintain a safe distance from the water. Water is powerful and is capable of dragging you with it. Being mindful of your surroundings will keep you safe and help you revel in the beauty of the space.

4. Be present at the moment:
No matter the number of selfies you take, none of them will be as meaningful as the experiences of exploring a new place. Try to interact with the locals and understand the place's culture to make lifetime memories. Explore new food options and learn how to make them, and do not forget to collect souvenirs as memories from the journey.

These were a list of simple tips that you can follow to keep yourself safe while clicking selfies. Remember that being mindful of your surroundings and taking adequate steps to ensure your safety is crucial when exploring new places. If you find yourself in situations like these, get help as soon as possible. And to cover the costs of such accidents and mishaps, invest in the best personal accident insurance India. Personal accident insurance is a smart way to safeguard yourself against accidents and the costs incurred. Stay safe and ensure the safety of people and places around you.

Click HERE to buy 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.

Expenses on medical treatments are usually unavoidable. All medical costs, from medications to various tests, require a considerable sum, which is an emergency crisis for most families. Healthcare costs can quickly cause worry, stress, and debt, but there are easy ways to avoid such situations. Health insurance is the best way to secure your finances. There are various types of health insurance in India for parents, partners, families, etc.

Thus, this guide will help you learn different tips to save money on medical expenses and stay in the best peace of mind.

1. Check the price of your healthcare providers and tests:
Healthcare costs differ a lot according to different providers. You can find healthcare providers' fees and extra facility charges with the cost estimator tools on your insurer's online portal. Compare the pricing and choose a more affordable option. It will make a massive difference in your pocket.

2. Know your health insurance plan:
One of the most beneficial ways to save money on medical costs is to know your health insurance plan. Carefully read your health insurance policy features and the expenses it covers. Examine whether you have a co-payment option requiring you to pay a deductible before your insurance starts to pay.
Check what and how much your health insurance in India for parents or family covers. Know the list of medications and test your insurance coverage, which can help you avoid unexpected expenses.

3. Know which medical services are free:
Per the Affordable Health Care Act, patients or people with insurance can avail of certain healthcare services for free until they are in the network. Such healthcare services are preventive services that help a person maintain their health, which may include:

● Blood pressure screening

● Vaccinations

● Diet counseling

● Depression screening

● HIV prevention medication

Some medical services are also free for children, such as eye tests, newborn blood screening, wellness visits, fluoride varnish, etc.

4. Opt for a top-up cover:
Avoid taking out an additional policy if you already have health insurance but are still looking for a higher-cost plan. You can take a top-up cover that will offer additional coverage you need with considerable savings on your insurance. However, you can do this by taking out critical illness insurance, saving money without compromising coverage.

5. Go for generic medications:
Generic medications are usually cheaper than prescription drugs. Getting generic medicines can help you save on your medical bills. But you must ensure that your health insurance plan covers your generic medication.

6. Take separate cover for your parents:
Usually, the amount of insurance in family floater cover is calculated according to the age of the oldest person. If you include your parents in the same insurance plan, it may increase the insurance premium. However, you can go for separate health insurance in India for parents, which can help you achieve savings.

7. Stay healthy:
Lastly, you can save money on medical expenses by staying fit and maintaining good health. It will help if you avoid alcoholic substances, smoking, and other dangerous things. You must invest your money in good things such as healthy food, regular exercise, staying positive, and a better sleeping schedule. You can also find a trainer who can help you exercise according to your convenience to maintain health.

Healthcare expenses can put a significant burden on your pocket. With the tips mentioned above, you can save considerable money. However, the best way to keep your money on healthcare expenses is by taking a health insurance plan with comprehensive coverage at an affordable price. Also, look for reliable health insurance in India for parents that fulfills your requirements to ensure the sound health of the entire family.

Click HERE to buy health insurance in India for parents.

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