GENERAL INSURANCE BLOG

In a rapidly progressing world, it is paramount to stay fit and healthy. A balanced diet is extremely important to remain energetic, rejuvenated, and fresh throughout the day. It keeps your health in check. A nutritious and balanced diet, along with physical exercise, is enough to boost your physical health.

The presence of good physical health helps you in leading a stable life. It keeps you away from illnesses like diabetes, blood pressure, PCOD, PCOS, thyroid, heart disease, and mental problems like anxiety and depression. Hence, it is a known fact that a balanced diet is essential for your health and there is no replacement for that.

Regardless of everything, you must have health insurance to keep you covered against any medical emergency. You can search for online health insurance to explore different options and choose a policy that accurately fits your requirements.

Why is a balanced diet necessary?

Your body needs a balanced diet to function to its best capacity. Without a balanced diet, your body may become dysfunctional and invite problems like fatigue, infections, illnesses, etc.

A balanced diet is also necessary for children in their growing years. The foundation of a healthy life starts in childhood. And bad eating habits in childhood can be transferred to adulthood as well.

Most diseases are linked to a poor diet globally, and obesity is one such complex concern that can give rise to far more intense illnesses. A poor diet can lead to diabetes, heart disease, stroke, cancer, thyroid, and so on.

These are a few nutrients that can help you achieve a balanced diet:

● Minerals

● Vitamins

● Antioxidants

● Proteins

● Carbohydrates

● Healthy Fats

● Fibre

But which food items can help you replenish these nutrients?

For a balanced diet, you will need the following:

● Fruits

● Vegetables

● Legumes

● Nuts

● Grains

What are the foods to avoid?

Apart from the food items you should include, there are a few that you should discard. These are:

● Alcohol

● Trans Fat

● Processed food

● Too much red meat

● Refined sugar

● Canned food

● Overcooked food

● Refined grains

Let's understand in detail the dietary benefits of the food items that can maintain the balance in your health.

1. A bowl of happiness with fruits:
Fruits can be added to desserts or consumed as fresh juices. Although they contain sugars, it is not refined. They contain electrolytes and antioxidants, which are necessary for good health. One bowl of fruits daily corresponds to a bowl of happiness and health. However, health experts advise consuming fruits in their natural state rather than packaged drinks.

2. Veggies are must:
Green and leafy vegetables are rich in antioxidants, minerals, and vitamins. To add to your balanced diet, you should add all types of vegetables. You can use them in salads, side dishes, soups, curries, etc.

3. Don’t miss out on the proteins:
Proteins are an integral part of the diet. Protein can be both plant-based and animal-based. Animal protein consists of red meat, chicken, mutton, and fish. You should always opt for fresh, unprocessed meat.
Plant protein consists of nuts, beans, almonds, peas, lentils, walnuts, and so on. If you're a vegan, these are some fantastic alternatives to meat. Protein is necessary for building muscle mass and fueling your body with energy to work the entire day.

It is important to always focus on staying healthy. And the first step towards staying healthy requires a balanced diet. It will keep you energetic and fit at all times. Moreover, you should always have a backup if things go wrong because we know health relies on several other factors, including heredity, age, hormones, and more. It is better to make provisions in advance and invest in insuring your well-being with online health insurance.

Click HERE to buy online health 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.

With private modes of transport becoming more popular, the number of vehicles on the roads and policyholders of car and 2 wheeler insurance is only increasing daily. While the automotive industry welcomes the increased demand, it is an exciting prospect for industry watchers. As consumer preferences shift towards more sustainable alternatives across all purchases without a massive increase in budgets, alternative fuel offerings have emerged in recent years.

Why are petrol two-wheelers with a spark-ignition internal combustion engine still seeing steady demand despite the trend? Read on to know why petrol continues to be the most preferred fuel for two-wheelers.

Petrol engine:
A petrol engine is an internal combustion device designed to transform thermal energy into mechanical energy by the spark ignition of gasoline.

The benefits of gasoline engines:
● The power output is excellent
● The cost of buying a gasoline engine is lower than a diesel engine
● Petrol engines burn gasoline more sustainably than diesel engines and have a better price-to-power ratio
● Petrol engines are quieter and vibration-free
● Petrol engines cost less to service and maintain
● Naturally, petrol engines gain from being simpler to adjust and tune up
● They are light and effortless to operate
● Despite being flammable and explosive, it is simple and safe to store the gasoline
● Almost no other source of energy has a higher energy density than gasoline

Reasons for not using diesel engines in two-wheelers:
● Comparing the two engines, the carbon-dioxide output from the diesel engine is roughly 13% more per 3.8 litres. As a result, it pollutes more than a petrol engine and is unhealthy for the environment.
● Fuel pumps, glow plugs, and other components are necessary for diesel engines, and their combined cost will raise the bike's overall price.
● Diesel engines have lower RPM than gasoline engines but provide higher torque. Therefore, it is not appropriate for motorcycles where we require great speed.
● Because diesel engine combustion occurs due to auto detonation, diesel engines vibrate more than gasoline engines.
● A diesel engine is heavier than a gasoline engine and cannot be used in a motorcycle or other small vehicle.
● The engine block must be more vital to resist more excellent compression ratios because they result in higher pressure applied to the cylinder. This makes the cost of diesel engines higher than that of gasoline engines.
● Diesel engines use fuel injector technology, which is more expensive than the spark plug technology used in gasoline engines, to pump fuel into the combustion chamber.

Petrol engines are used in two-wheelers because they are slick, lighter, quieter, better at picking up, and require less maintenance, among other reasons. Petrol is significantly easier to ignite than other fuels and burns more efficiently. Gas engines are lighter, stronger, and more responsive than diesel engines. Diesel engines often have a slower throttle response than gasoline engines, which makes them less ideal for bikes.

While petrol may be a better alternative than diesel, it is essential to consider its hazardous nature and use it accordingly. Practice recommended fuel-filling habits that preserve the longevity of your engine and purchase comprehensive 2 wheeler insurance to protect your bike from any contingencies.

Click HERE to buy 2 wheeler insurance for your motorcycle.

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.

Health is an underappreciated asset we tend to overlook when pursuing our goals. What we fail to recognise is that restoring one’s health is not an easy or inexpensive process. Early risk assessment and purchasing the best health insurance in India are effective methods to minimise the risk and protect yourself from illness and medical costs.

Despite all the medical advancements modern science has made, it is inevitable to eliminate the risk of diseases such as diabetes. According to the WHO, 77 million adults in India have diabetes, while 25 million are pre-diabetics. Also known as a silent killer, the disease has multiple symptoms you can recognise early to prevent the problem from accelerating.

Read on to learn about the disease and some common symptoms in the early morning that may indicate your susceptibility to diabetes.

Let’s get to the roots first and understand what diabetes is.

Diabetes is a chronic illness due to the insufficient production or ineffective use of insulin produced by the pancreas. Insulin is a blood sugar-regulating hormone, which, when imbalanced, affects the utilisation of glucose by the body. The multiple types of diabetes include Type 1, Type 2, and gestational diabetes, which are caused due to varied reasons and show varying symptoms. Irrespective of the type, diabetes results in high blood sugar, further causing ill-functioning of the heart, kidneys, vision, and more.

The severity of the issue.

Type 1 and 2 diabetes are chronic, while prediabetes and gestational diabetes are reversible. If not managed at the earliest, any of these types may result in fatal issues like a heart attack or failure, stroke, kidney failure, and continuing problems like weakened immunity, weakness, and slow recovery from wounds.

Early morning symptoms of diabetes.

Be watchful of these early morning symptoms of diabetes, which also can be associated with several other diseases. Suppose you experience some of these common symptoms of diabetes early in the day. In that case, it is recommended to consult a doctor to prevent diabetes. Also, purchase the best health insurance in India or take an add-on diabetes cover.

1. Excessive thirst:
Considered a tell-tale sign, waking up with a dry mouth and throat may require an urgent diagnosis. If you wake up thirsty continuously, checking your blood sugar right after waking up may help confirm the problem. Irrespective of the results, ensure that you visit a doctor for consultation.

2. Waking up with a full bladder:
In combination with the above symptom, excessive urination is a giveaway sign of diabetes if noticed frequently throughout the night. This occurs due to the slowdown of the kidneys, which causes the unusually high glucose to be excreted into the urine with tissue fluids, which leads to dehydration, excess thirst, and frequent urination.

3. Disorientedness:
While waking up frazzled seems familiar, coupled with the other symptoms on the list may indicate a more significant problem. If you are nauseous and dizzy immediately after waking up, it is best to consult a doctor.

4. Blurred vision:
Diabetes is known to cause enlargement of the eye lens over adaptable levels, which causes hazy vision. This occurs due to a sudden change in your blood sugar levels, making it crucial to manage and stabilise your blood glucose levels at all times to prevent permanent damage.

5. Numb limbs:
If the extremities of your hands or legs feel numb immediately after waking up and need some warming up before they stop tingling, it may result from damaged nerves due to high blood glucose.

These were a few evident signs that can help you understand if you’re at risk of diabetes and counter it at an early stage. Maintaining one’s health is a priority since you cannot eliminate the risk of diseases like diabetes, making it prudent to purchase the best health insurance in India to cover the financial burden of medical bills and keep the financial stress away.

Click HERE to buy the best 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.

The thought of getting a dent on your car doors while driving, parking, or simply due to external variables is upsetting. While door dings may not be expensive to repair, they diminish the car's value and make it an additional ordeal. Car Insurance renewal or purchase is the best way to protect yourself from the financial burden of repairs.

As preventive measures, here are some straightforward ways to avoid scratches on your car doors.

1. Test your defensive driving skills:
Along with following the fundamental traffic laws like wearing your seatbelt and obeying the speed limit, defensive driving also includes practical abilities like anticipating potential errors other drivers may make. You can reduce the possibility of car damage by maintaining a safe and appropriate distance from other nearby vehicles.

2. Install door edge guards:
Door edge protectors help to cushion your door from dents and scratches. You can DIY or get it installed by a local car accessories shop. They are available in adhesive and cling door variants and do not harm your car's paint when removed.

3. Pick your parking spots wisely:
Consider parking your car in a garage rather than on the curb or select a quieter location on the lot. Also, use a different mode of transportation while visiting crowded places like open markets to protect your car doors from scratches.

4. Door sill protectors:
The door sill area is vulnerable to wear and scratching because of constant contact. Door sill protectors almost eradicate this issue. The practical device is easy to install and cheap, making it the perfect preventive measure.

5. Regularly wash your car using the correct techniques:
Most minor dings and dents aren't due to collisions or bumps but usually happen while cleaning due to abrasive brushes used in automatic car washes that can easily scratch your paint. Consider going the manual route and ensure to rinse the dust and grime off before getting to work.

6. Avoid unnecessary contact:
Do not lean or sit on your car, put anything on it, or touch the painted surfaces excessively to prevent door scratches. Although it may seem unlikely, opening and closing the doors without using the handles could even cause scratches.
Using car covers is another habit you should break to avoid car dings. In addition to providing no defence against potential road scratches, they could do more harm than good. Along with probable paint damage from wind flaps, a similar outcome will also be anticipated each time you cover and uncover the car.

Although nobody wants their car's doors to get scratched, it occurs frequently. It looks terrible and can cause rust where the paint has chipped off. You may take preventative measures and exercise caution when handling your automobile doors to keep this from happening and the pricey paint repair. Car insurance renewal can help you avoid bearing the costs of the painting job in case the dents and scratches result from accidents. However, in all other cases, you will have to pay the expenses yourself, which is why you must practise preventive measures to maintain your car’s doors perfectly.

Click HERE to get car insurance renewal done.

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 car is an exciting process that takes lots of planning, budgeting, and sacrifices to finally achieve your goal of owning a vehicle. Especially amid economic uncertainties, it becomes essential to maintain these high-value purchases to minimise the effect of depreciation.

While insuring your vehicle with the best car insurance India policy is one way, taking effective care is another to minimise wear and tear and keep your car in its best shape. This ensures its longevity and also yields a greater resale value for you.

Apart from regular maintenance, keep these lesser-talked-about tips in mind to increase your car's lifespan!

1. Inspect your engine light:
The engine is the heart of your car. The vehicle’s check engine light indicates potential problems that may require urgent inspection. Often, drivers do not heed the indication and allow the issue to persist for a while before they notice it and get it checked, by which the problem has already escalated.

2. Protect your car from the sun:
Just as harsh sun rays damage humans, cars that stay in direct sunlight are likely to suffer damage to the paint and interiors, resulting in increased maintenance costs in the long run. Ideally, park your car in a garage or shade. In case not possible, invest in a quality sun cover and interior shades that keep the cabin cool.

3. Organise your trips effectively:
This may come as a bummer for driving enthusiasts, but instead of multiple short trips for your daily errands, club your tasks together to reduce the wear of your engine.

4. Ensure you break-in properly:
After buying your new car, ensure you break in as per the manufacturer's guidelines in the manual. Generally, it is recommended to keep your speed under 80 kmph for the first 1600 km without excessive load.

5. Keep your car clean:
It may seem like a hassle to focus on keeping your car clean at all times, but we often underestimate the damage accumulated dirt, road tar, and rust can do to your vehicle's appearance. A quick cleanup once or twice a week with a car cover to protect it when parked can go a long way in maintaining your car after regular waxing and cleaning services.

6. Keep your keychain bunch light:
It may seem like an unrelated tip, but it is best to avoid linking other keys and accessories to your car key. A heavy bunch in the ignition will likely bounce around while the vehicle is in motion. The weight and movement together can wear out the ignition ridges and lead to ignition switch failure.

7. Choose a comprehensive insurance:
While buying car insurance India, make sure to check the features and ensure that the exclusions are minimal. It is ideal to purchase an add-on feature that covers any exclusions to provide complete coverage for any damages that may occur.

8. Prepare appropriately for long-term storage:
If you do not continuously use your car for more than a month, leaving it in the parking may not be the best option. Fill up fuel and consider adding a stabiliser after consulting an expert. Ensure to disconnect and remove the battery when discontinuing use for long periods to prevent draining.

Good maintenance is key to increasing the longevity of your car. By following appropriate driving guidelines and the manufacturer's instructions with regular servicing supplemented by purchasing comprehensive car insurance India, you can ensure that your vehicle stays in its best form for long periods!

Click HERE to buy a reliable car 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.

Driving is a skill that requires utmost responsibility while behind the wheel. While several uncontrollable factors cause accidents, motorists must always ensure they are non-negligent, careful, and alert while driving to minimise the risk of accidents.

One controllable factor that may lead to mishaps is drowsy driving. While sleep is uncontrollable, one must never drive in a dazed state of mind. While car insurance renewal may cover the loss to your vehicle, it does not suffice for the mental and physical trauma that results from accidents.

If you frequently feel drowsy while at the wheel, here are some tips to shake off the haze and drive alertly!

1. Break up your driving frequently:
Take a brief break from driving every 100 miles or two hours, regardless of how well you've slept the night before. Plan your route so that you may frequently stop to stretch, get some fresh air, and grab a snack or refreshing drink.

2. Drive cautiously at the drowsiest hours of the day:
Since your body's internal clock tends to make you sleepier between midnight and six in the morning and early afternoon, try to avoid driving during those times.

3. Sleep well at night:
A restful sleep of seven to eight hours is essential before a lengthy journey. When you feel drowsy, park at a safe spot and take a quick power nap.

4. Travel with a friend:
Bring along a passenger who can share driving chores and keep you awake because most drowsy driving occurs during a solo journey.

5. Avoid night-time driving:
Avoid driving at night if possible because it makes people sleepier and less aware. If you work a second or third shift, abstain from driving when your body is most used to sleeping.

6. Avoid using sedatives and alcohol:
Alcohol and other sedative drugs disrupt your sleep and make you feel sleepy the next day. Avoid driving under the influence of alcohol or any other drug.

7. Consider your health:
If you frequently have difficulties falling asleep, speak with your doctor to see what the issue might be. As with sleep apnea or narcolepsy, modest signs of exhaustion can occasionally indicate more severe health problems.

8. Get a caffeinated drink:
Pull up to a petrol station and buy a coffee, tea, soda, or energy drink for a fast dose. Caffeine enters the system and starts its impact after a half-hour. So, if you regularly consume it, you might not get the appropriate benefit.

9. Be alert for cautionary signs:
Look for an instant opportunity to stop and relax if you have any drowsiness. Don't try to push through if you're exhausted. Always remember that it's better to be safe than sorry.

10. Engaging radio programs to hear:
Turn on an exciting radio program to keep your mind engaged and awake if you're travelling alone or your passenger's talk has run dry.

11. Watch out for sleep-inducing tricks:
Some individuals use their windows, air conditioning, or radio to make themselves more alert, but doing so can take your focus off the road. It is preferable to pause and give your body the rest it requires rather than using these tactics.

12. Do not rush things:
Give yourself some additional time to react on the impromptu roadside excursions. Being rushed increases your chance of an accident and injury and decreases your likelihood of taking the necessary driving breaks.

Getting enough sleep is the best defence against drowsy driving over the long term. Focusing on your sleep hygiene, which includes your routines and environment, can help prevent drowsiness while driving.

You can endanger yourself and others if you find yourself nodding off while driving. We encourage you to undertake timely car insurance renewal to minimise the risk of accidents and efficiently deal with damages due to mishaps.

Click HERE to get your car insurance renewal done.

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.

With the onset of the New Year, travel experts predict a significant increase in tourism despite the possibility of an incoming recession. As the covid-19 has restricted travel for a long time, travel enthusiasts view their hobby not just as a leisurely interest but as a priority. Before making your travel plans in 2023, renew or purchase general insurance that covers travel-related losses and makes your journey less worrisome and more enjoyable.

Check out these forecasted trends before planning your perfect vacation in 2023!

1. Growth of ecotourism:
Ecotourism focuses on observing natural habitats of flora and fauna and untamed wildlife with the intent to preserve and appreciate it. Also known as nature tourism or wildlife-watching tourism, the activity is expected to become popular with the constantly increasing interest of nature enthusiasts.
Several travel agencies now organise such tours and curate itineraries in well-preserved habitats with ample support from local experts and communities to educate tourists and display a side of nature beyond standard safaris.
Before going on such trips, consider the allied risks of the activity and ensure that you have appropriate insurance, like general insurance, that covers any potential accidents and costs you may incur.

2. Focus on sustainable travel:
Sustainability is no longer just a passing phase but an aspect of travel that is expected to stay for years. With Millenials and Gen Zs showing an interest in minimising their travel impact, the tourism industry is adapting to their preferences.
While itineraries in the past used to be all about extravagance and fancy travel without a care for its impact, the effect of travel on the local economy, environment, and community are factors that tourists now keep a check on. The sustainability movement is set to grow in the year and will directly impact travel.

3. Domestic destinations to win favour:
With soaring inflation and the incoming recession, prudent decisions are the need of the hour. Despite the rising costs and uncertainties about the future, travel enthusiasts are not settling for another year of staying cooped up at home.
Instead of cancelling or postponing plans, travellers are altering their plans to stay within their budget while deriving the greatest value. Local destinations are predicted to see a significant rise in footfall in 2023 with their relatively lower accommodation costs and other expenses.

4. Business travel and remote working:
Despite the relaxation of restrictions, many companies are choosing to allow remote working as an option for employees to reduce office expenses and provide flexibility of working from anywhere.
In the last two years, several employees have spent their time working from a remote destination while on vacation, allowing them to travel while working. The trend is expected to continue with a rise in business trips, retreats, and recreational events.

5. Unique experiences to take centre stage:
Almost 75% of responders to a survey focused on Indian travellers' preferences indicated their intention to savour out-of-the-box experiences. While domestic travel is set to be significantly high due to budget constraints, expenditures on experiential activities are not left far behind, with the desire to explore offbeat cultures and cities to gain unique experiences.

6. Focus on savings:
Travellers are focusing on mindful budgeting to prepare for their upcoming travel plans, and most of their travel fund is set to come from their savings. Budget-friendly destinations with affordable transport, accommodation, and plenty of attractions are vital factors that tourists are looking for while planning their trips.

With careful research and planning, it is easy to successfully plan your trips in 2023, despite the expected economic slowdown. By keeping track of budgets, loyalty programs, off-season activities, and purchasing general insurance, you can make the most of your trip while staying within your budget!

Click HERE to buy the best general insurance in India before your next travel 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.

Can you imagine a car without a windshield or with a cracked windshield? A car windshield caters to various functions, such as keeping dirt and debris out of the vehicle, preventing the heat and glare from the sun, saving the driver from an impact, providing a clear front view to the driver, and much more.

Taking proper care of your car's windshield is not difficult or expensive. All you need to do is regularly check for any cracks and fix them as soon as possible. Proper care and maintenance make the windshield last longer and keep the passengers safe. Additionally, purchasing car insurance India can help shoulder the burden of replacing any car components due to an accident.

If you are planning a long trip, here are a few tips to ensure the safety of your car's windshield.

1. Review the condition of windshield:
Parking at the wrong spot, especially for long periods, can damage your car's windshield beyond repair. Due to extreme temperature exposure under direct sunlight, the windscreen gets stress cracks. Such stress cracks lead to an increase in windshield breakage risk. Moreover, such damages can get worse due to constant temperature fluctuations.
Whenever you decide to leave for a trip, ensure the windshield is in good condition to prevent glass breakage and maintain the glass's durability.

2. Fix every crack:
Before leaving for any trip, ensure your car's windshield is crack free. Ignoring small cracks or chips in their car's windshield can result in bubble formation between the cracked glass layers. Regardless of the bubbles' size, they can severely damage the windscreen if left unattended. It is essential to fix them immediately because if you don't, you might have to vent your pockets to replace the windshield after you return.

3. Replace the windshield wipers timely:
Some car owners don't know, but the windshield wiper affects the glass's health in many ways. Along with the windshield, taking care of the wipers is also essential. It is common knowledge that wipers have an internal metal structure with a rubber coating on the outside. The rubber coating wears off regularly, revealing the metal frame. Using metal on the glass can weaken it and lead to scratches. Therefore, check the condition of your wipers before leaving on your trip to prevent the exposed metal's pressure on the glass.

4. Windshield tinting:
The windshield is the largest glass surface of a car that facilitates proper traffic visibility for the driver. Since parking under shade may not always be possible, laminating your windshield may minimise the impact of harmful UV rays and block out sun glare to a certain extent to preserve the strength of the glass.
We recommend approaching a professional mechanic or your authorised car servicing centre to ensure that you adhere to the mandated visibility limit of applying laminated tints that allow a minimum of 70% light transmission. While car tinting kits are readily available, self-modification may result in your insurer rejecting your claim against car insurance India.

Considering the massive investment required to purchase and maintain your car and its components, it is essential to take preventive measures when leaving your vehicle unused for long periods. Your car demands regular care to be in its best shape and ensure effective functioning. Additionally, consider buying car insurance India to cover any replacement costs or damages that may arise from involvement in accidents.

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.

In a high-population nation like India, pedestrian deaths from road accidents are alarming. Drivers should be fully aware of pedestrian behaviour and the dos and don’ts of driving to avoid accidents with pedestrians. This would make pedestrians feel safe and secure while walking on the roads.

Here are some practical tips for drivers to avoid pedestrian accidents.

1. Control your speed:
Proper control of your car’s speed is the key to ensuring that you don’t get involved in pedestrian accidents. You need to drive slowly where the density of pedestrians is high. Often in a crowd, people tend to move quickly on the roads without bothering much about the approaching vehicles.
Lower speed will give you ample time to react and apply brakes if someone suddenly turns up in front of you.

2. Patience:
Patience is the key for any driver while dealing with senior citizens and children on the roads. Senior citizens may walk slowly on the roads, while children may do the exact opposite and rush. Also, while senior citizens may not see any approaching vehicle clearly due to poor vision, children may completely ignore looking at the vehicles on the road and just run here and there.
The same applies to dealing with people with disabilities on roads. A blind person will not be able to see the traffic on the roads, while a disabled person may be trying to go from one place to another in a wheelchair slowly. The drivers must drive patiently around such people. They should let them pass through first to avoid any accidents with them.

3. Do not drink and drive:
The worst thing to practise is drink and drive as it hampers your senses and decision power. You will not be able to react in time which may cause a serious accident with the pedestrians. Drinking and driving also attract punishment under the law. Never let someone innocent be a victim of your carelessness.

4. Look carefully before overtaking:
A driver should always be extra cautious while overtaking a stationary car in the middle of the road or at crossroads. There is a high chance that a pedestrian might be crossing the road.
The pedestrian may suddenly appear in front of you while trying to overtake the car from the right at high speed. Hence, be cautious while overtaking, as you might hurt pedestrians or risk their lives.

5. Keep away all distractions while driving:
Nowadays, a common cause of road accidents is talking on a mobile phone while driving, texting, eating, adjusting the stereo, etc. Drivers lose focus on the road, resulting in an accident with pedestrians or other vehicles.
Never take your eyes off the road while driving, be it for any reason. If you are getting a call on your phone and it is urgent, stop your car on the side and then take the call. Do the same if you want to send a text, take a small eating break, or if you have to adjust your car’s music system. This will ensure that you drive attentively and are in total control of your car while driving.

Drivers should never drive rashly nor give pedestrians a sense of danger or fear while accessing the roads. Roads are public property, and every citizen has the right to use them without fearing an accident. Drivers should follow the above tips and ensure the safety of pedestrians on the roads.

Motor insurance does the same for drivers and vehicle owners. It gives a sense of safety and security from the probable perils on the roads and provides protection even when the vehicle is stationary and parked somewhere. Moreover, it is also mandatory under the law. Hence, go for the best motor insurance company and choose the right policy offering you maximum benefits with an attractive premium.

Click HERE to buy reliable motor insurance for your car.

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.

Establishing a business can be challenging but not impossible. Many thoughts may cross your mind when you consider starting a business. Whenever you start a business, you need to take small steps to fuel your business growth. A small-scale business can take flight later and become a lucrative and flourishing venture. It is also a given that you will encounter many problems during your startup. These issues are generic and are experienced by every business. Hence, you must plan accordingly and prepare to face these challenges.

If you're a new entrepreneur looking forward to mapping the roadmap of your startup, then this article is for you. We have carefully curated a list of the common obstacles you may face in scaling your business. You should also know about public liability insurance prices before establishing your business.

We have mentioned the everyday problems of a business owner below.

1. Raising capital:
Every business needs enough capital to get started. It is the first prerequisite before a company is established. Putting initial investment can be overwhelming as you require it to run your business. It can put a lot of pressure on you as the owner. Hence, it is recommended that owners work a side job to generate capital for the business.

2. Dealing with work fatigue:
When establishing a business, you must devote more hours than others. The company becomes your sole responsibility; you still hustle even when you feel tired. Hence, you continue to give in extra work hours even when physically and mentally exhausted. This can lead to rash and unhealthy decisions that you can take in an unstable frame of mind.
It is recommended to take frequent breaks. You need to find a balance between your work and personal life. Try to incorporate the 8+8+8 rule (8 hours of dedicated hard work + 8 hours of proper sleep + 8 hours of personal time for family, friends, hobbies, and health).

3. Time management:
As a startup owner, you must manage most tasks throughout the day. This means that filing the paperwork, answering calls, attending meetings, and also employing others will be done by you. This can put you in a real-time crunch. You will fail to meet deadlines. You should always work out proper time and task management before starting your day.

4. Finding the right people:
When a small business is established, you must find skilled and trustworthy staff. Not only should they be qualified, but they should have the potential to adapt to the dynamic environment and evolve as their role expands. It can be a big challenge as most skilled people work in established companies. You must identify and sort through multiple applications before finding the ones you seek. It can take a lot of time and effort. Bring only those people on-board who have the same vision as you do.

5. Establishing a customer base:
Your small business will be unable to take off without the involvement of customers. It is their demand that helps set wings for your vision. However, it is a daunting task in itself. Customers might not know about you as you are not a big name in the market yet. They may also not trust you with their needs. It is advised to create effective brand awareness to attract the ideal customers.

These are some of the many obstacles small business owners face while setting up their enterprises. Entrepreneurship is a challenging journey that requires significant efforts but provides excellent returns. You need to be patient and resilient until your company takes off. We also recommend researching public liability insurance prices in advance for your business to protect your business from any lawsuits or claims made by employees or third-party.

Click HERE to buy public liability 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.

Certain privileges become accessible only after attaining a specific age. In India, the legal age to drive motorised vehicles is 18 years. If you have recently become eligible to drive legally, congratulations! Driving is one of the first activities that excite youngsters.

However, you must be extremely careful with your first vehicle. Reckless driving puts your life, car, and third parties in danger, so you must always practise safe driving and purchase the best car insurance in India to safeguard your finances. Regular car servicing is crucial to prevent frequent breakdowns and costly repairs.

Here are some essential car maintenance tips that all teenagers must follow if they have already obtained a driving licence.

1. Keep the manual accessible:
Four-wheelers are complex vehicles with several parts that require specific maintenance. Unless you are an automobile professional, it is unlikely to know every part's specifications. Do not shy away from using the manufacturer's manual as a guide to understanding details about your car. You can also find solutions to common problems like changing flat tyres and tips to jumpstart your car.

2. Don't neglect the battery:
An often overlooked auto part, your car's battery can leave you stranded when neglected. Dragging engine sounds are an early sign of a drained battery. Ensure to pay attention to such signs and turn off the engine, radio, cabin lights, etc., when not in use to prevent battery drain.
While most batteries claim to have a life of up to 6 years, they usually wear out within three years, depending on use, making it necessary to keep a check and replace it when you notice early signs of voltage drops.

3. Replace your windshield wipers:
Visibility is crucial to driving safely. Before turning on the ignition, ensure that your side and rear mirrors and windshield are clean. This ensures proper visibility of the incoming and surrounding cars to make appropriate judgements on the road.
Wiper blades enable the windshield to stay obstruction-free. Since they are made of rubber, they may wear out and leave streaks on the glass, making it challenging to drive confidently. Therefore, ensure that you periodically inspect the state of your windshield wipers and replace them when worn.

4. Pay attention to engine oil:
It is essential to pay attention to the heart of your car- the engine. The engine's functioning depends on the seamless working of several parts facilitated by the lubrication provided by the engine oil. If you do not replace your engine oil periodically as per the manual, excessive friction and contaminated oil may damage the engine parts. Leave this task to professionals to identify any issues simultaneously.

5. Check your tyres:
Irrespective of terrain, maintenance of tyres is an essential aspect of car upkeep that you must consider. It is critical to do so to ensure proper gripping and weight balancing to prevent accidents. Ensure you periodically rotate your tyres and check the air pressure, tread depth, and wheel alignment.

6. Replace your pedals:
The ABCs in a car- Accelerator, Brake, and Clutch are primary necessities that must function properly to ensure a smooth driving experience. However, frequent use leads to the wearing out of the ceramic pads over the metal discs that engage the systems. Therefore, keep track of the pedals' sound and thickness when your car is inspected to identify signs that the pedals require replacement.

As beginners, it is challenging to keep track of every minute detail. However, with time and relying on expert guidance and the car manual, it is easy to maintain your car's prime state. Ensure you regularly service your vehicle and purchase the best car insurance in India to take your mind off the safety aspect and allow you to focus on driving safely!

Click HERE to buy best car 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.

Nothing represents India better than big fat Indian weddings! Vibrant colours and never-ending streams of ceremonies are giveaway signs of a wedding-in-planning. However, while guests only see the wedding as well-planned, the staggering costs of planning a wedding in India have only grown over the years.

A wedding is a significant decision that impacts your finances. Irrespective of the size of the event, it involves extensive planning to design and execute that one special big day. Selecting a wedding destination is one of the first steps to facilitate the process. It is best to contact a general insurance company and take out a policy that covers potential financial losses against any substantial risks.

Choosing a perfect venue may seem like a challenging task. By avoiding these common mistakes, you can find the destination of your dreams without any hassle and future regrets!

1. Organise your requirements:
It is easy to get overwhelmed and do things out of order as they please you. However, without careful consideration, you are bound to make regretful choices. Before looking for destinations, make a physical list of some points to remember.
This includes the estimates of guests, the budget set aside for the venue, the kind of location you expect, and the sequence of activities and ceremonies. This will help you consider the site while keeping the facts in mind, making it easy to imagine whether or not the choice is right for you.

2. Pictures are only references:
Starting your hunt for the perfect venue a few weeks or months before the date is an absolute nightmare waiting to happen. However, if you choose purely based on images on the internet, the result is bound to be a disaster. Make sure you check the venue in person to ensure that it satisfies your criteria.
Booking in advance is a recommended step that allows you to avail of discounts and avoid settling for the substandard alternate after finding out that your ideal destination has already been booked.
If cancellations and uncertainties hold you from booking your venue in advance, consider discussing wedding insurance with your general insurance company that compensates in the event of cancellation.

3. Consider the distance:
While it is your wedding, you must consider the travel to the venue to ensure that it is convenient for your guests. Ease of accessibility and nearby or on-site accommodations are vital factors when choosing the wedding venue.

4. Check the venue rules:
Venues often have non-alterable rules. Carefully consider their policies before committing to the site, only to discover that the location does not allow any of your planned activities. If it is non-negotiable for you, ask for their adjustment. In case it is approved, ensure that you have it in writing as proof in the future.

5. Don't hold back your queries:
Asking too many questions may feel like a nuisance but clarifying everything is best rather than being confused. Do not shy away from asking all about the duration that the venue is let out for, accessibility, amenities, and other facilities. Make them aware of any special requests at the earliest to ensure that the organisers have enough time to accommodate your needs.

6. Consider the weather:
An outdoor wedding may be your dream, but it may not be feasible during the monsoon. Ensure that you consider the forecasted weather conditions' compatibility with your venue. Indoor weddings in elegant halls are highly preferred backup options that save the day.

Most importantly, avoid individually taking the responsibility of choosing the venue. It is ideal to delegate the task to a few close friends and family members who can help you find the perfect destination that satisfies you and is practical. You may even decide to hire professional wedding planners to make the occasion an exceptional one. It is also ideal to purchase a prudent cover from a general insurance company while planning your big day.

Click HERE to buy insurance from the best general insurance company.

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 mandatory purchase that helps you safeguard your vehicle and alleviates monetary stress in case severe damages are caused to your car during accidents, collisions, and other unfortunate situations. And if you are aware of motor insurance, you must know about the premium charges, insurance coverage, add-on benefits, claims, etc.

These factors influence your decision to make a final choice of motor insurance amongst the different policies from various insurance providers. And purchasing motor insurance is not just a one-time deal. It requires renewal from time to time to avoid losing on the benefits. You can opt for online motor insurance renewal for a hassle-free buying process.

Are there some important tips one must know about while renewing their motor insurance? This blog will answer all your queries.

1. Browse through other policies:
With the ease of accessibility of the internet, consumers are at an advantage. They can find detailed information about the services provided by various insurance providers, which makes it easier for them to compare and analyse which policies would optimally suit their needs.
The availability of a calculator helps customers to calculate the premium charges of various policies of the same category. It also allows you to compare the benefits of different policies and enables you to decide which insurance provider gives you the best benefits at the best rates.

2. Go through those add-ons:
Additional benefits are definite game changers in attracting customers. Always check the add-on benefits of the policies before you finalise a policy. Zero depreciation cover, engine protector coverage, etc., are some of the add-ons that are definite indicators of an efficient and affordable policy.
These are necessary, especially for luxury cars, which depreciate as the years pass by a massive margin compared to vehicles in other ranges. You can upgrade your current insurance plan by including these add-ons and secure your asset with complete protection.

3. What is your car currently worth:
Knowing your car's current value is essential for you to get compensated by your insurance provider in case your car gets stolen. Being aware of your IDV or Insurance Declared Value helps you achieve the current market value of your vehicle through your motor insurance policy.

4. What happens if you make no claims:
If the policyholder does not claim for an entire insurance period, the insurance providers/insurers provide a No Claim Bonus to them as a reward. This No Claim Bonus is awarded as either a discount of twenty percent after the fulfilment of one policy year or as a fifty percent discount on the completion of five claim-free policy years. Using the No Claim Bonus at the time of your motor insurance renewal can help reduce the price of your premium charges by up to fifty percent as the years' pass.

5. Read all the conditions carefully before upgrading your policy:
We have all heard the "terms and conditions apply" and the warning related to "read all policy-related documents carefully before accepting any upgrade offered by the insurance company. You must go through all the clauses and conditions before renewing your motor insurance policy to be aware of the benefits, the conditions, and the type of plan you choose.
This will help you analyse if you wish to switch your current insurance policy to a new one based on your needs using the "portability clause." You must ensure that all your benefits are intact even after porting your insurance policies to avoid any hassle in the future.

These are some tips for upgrading your motor insurance during renewal. And while we have already discussed the benefits of motor insurance, you can now purchase one at your convenience without suffering through the exhaustion of consulting various insurance providers or their agents. Just opt for the online motor insurance renewal, explore and renew your policy from the comfort of your home.

Click HERE to learn more about 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.

Have you ever felt unproductive while having tight deadlines and no creativity or motivation to complete your tasks? You may be facing burnout and are among 40% of the Indian workforce. While it may seem challenging to get out of such a phase, the best way to overcome the symptoms of burnout is to step away from work and hit refresh! What better way to do so than going on a short vacation?

Considering the intense work pressure and hectic schedules, taking a leave may not always be possible. So why not make the best use of your weekends to drive away from monotony? Short road trips are the perfect way to meet your requirements without overspending. Considering the traffic-packed roads across the country, taking your bike on the journey may be ideal.

If you’re convinced, pack light, gather your friends, get your bike serviced, ensure all the papers are in order, and purchase two wheeler insurance online India. Pick a destination from our specially curated list to experience the joy of a quick getaway over the weekend!

1. Cherrapunji, Meghalaya:
Known as a quaint town, the wettest place on Earth is home to unique living root bridges that you must check out. With well-built expressways through scenic greenery, motorcyclists are in for a joy ride on this journey. We recommend starting from Guwahati or Shillong to experience the best of the town’s old-world charm.

2. Goa:
Planning a vacation without mentioning Goa, irrespective of duration, is impossible. With excellent connectivity to neighbouring states, the party capital is the best place to head to if you need tranquillity or happening parties. The ride through the picture-perfect Konkan belt will stay in your memories forever!

3. Ooty:
The rolling hills of Ooty and its lush greenery make for a serene getaway. Enjoy the view of far-reaching sprawling tea and coffee plantations as you drive through valleys on meandering roads.

4. Jaisalmer:
If rough terrains excite the motorcyclist in you, Rajasthan’s cities are the perfect destinations to plan your next road trip. A panoramic view of the beautiful blend of culture, heritage, and vibrancy will follow you as you make your way to the Golden City. Considering the arid surroundings, planning your trip between November and March is suggested. We urge you to purchase two wheeler insurance online India to cover any mishaps you may encounter during your journey.

5. Araku Valley:
At a little over a hundred kilometres away from the City of Vishakhapatnam is Araku Valley, a hill station with rustic heritage, tribal influence, and coffee plantations. While the journey may be short, the valley offers the best nature, biodiversity, and climate, making for a refreshing retreat.

6. Munnar:
If you fancy long-distance road trips, plan your next trip to Munnar, a hill station in Kerala. Its green hills, waterfalls, and tea plantations make for the perfect view on your journey, which may take up to 04 hours if you start from Kochi.

The other popular destinations include Lonavala, Karjat, Alibag, Nasik, Daman, etc. which promise a happening weekend setting for you to unwind and return with positivity and energy.

This list is not exhaustive and only includes some destinations you can consider setting off. While each destination has a unique appeal, we urge you to purchase two wheeler insurance online India before you depart on your two-day vacation! Safety should always be on top while planning bike trips. Wear proper gear and a helmet to safeguard yourself from any mishap.

Click HERE to buy two wheeler insurance online 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.

Riding a motorbike with smooth-shifting gears gives you a sense of pleasure that no other thing can. The feeling of downshifting into a curve, soaring your RPMs, then switching back into high and rushing down the straightaway is unmatched.

But when the quality of your clutch starts deteriorating, it no longer grips as usual or allows you to smooth down and upshift. If you take too much time to assess a bad clutch, it might leave you stranded during a ride. While the rest of the crew enjoy the journey, you will have to spend extra time repairing or replacing it.

However, knowing the signs of a damaged clutch will help you repair the appropriate pieces before you're left stranded.

In today's post, we'll discuss ways to assess if your clutch is on its way to being damaged. Read along to know how you can avoid costly repairs before it's too late.

1. Slipping of clutch:
The clutch slipping indicates that it has already begun to wear down. You may sense a lag or a slight jerk when your bike starts picking up. The RPM starts to increase faster than it should. If any of these occur, your bike's clutch is worn out, and it's time to get it repaired.

2. Sticking of clutch:
Your bike's clutch will start to stick if there is a malfunction or oil-induced dirt in the springs. It can either stick in or out depending on when the event occurs. The clutch parts will cling together as you change gears resulting in a low-power transmission. A sticky clutch might be mistaken for a general bike problem, so be extra cautious and get it diagnosed.

3. Hard to shift gears:
If your clutch wire is loose or the clutch gap is compressed, the bike will not accelerate because you won't be able to shift gears. When parking your bike, it's best to keep it in neutral, although some people leave it in first gear. So if you ever experience a slack in shifting gears, visit the mechanic.

Tip: To minimise clutch dislocation and overheating, always start your bike in neutral. Overheating the metal components causes them to expand, lowering the spacing distance. However, the clutch relies on friction to transfer power, so oil the parts regularly to avoid overheating.

4. Sharp metallic noise:
If you've recently noticed a strange sound emanating from your bike and it becomes louder as the days pass, it might be your clutch asking for attention.

5. Burning smell:
A burning odour may signal a clutch problem, which you should not neglect. If a mechanical noise accompanies the smell, you should have the clutch pad checked out as soon as possible to avoid any more damage.

These are some ways you can detect a problem with your clutch system. Make sure you always park your bike on neutral. Oil the clutch system periodically, but don't put too much oil. Never use the clutch as the braking alternative unless it's very needful, like in case of brake failures.

While you ensure your clutch pad, insure your bike as well, it will help you in case of mechanic visits for your clutch repairs and avoid additional expenses. Purchase bike insurance online and add value to your two-wheeler with the benefits of comprehensive coverage.

Click HERE to get the best bike insurance online right now.

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.

Manufacturing date, location, vehicle model, claims history with add-ons, and optional deductibles are a few variables that could impact your bike insurance. However, some other aspects could also influence the cost of insurance.

An essential factor in calculating the insurance premium is the two-wheeler's cubic capacity (cc), also known as its engine capacity. Continue reading to learn how your bike's cubic capacity affects its insurance cost.

What is the cubic capacity of a bike?

The capacity of your bike's engine is measured by its cc i.e., cubic capacity. A bike's engine size is essential since it affects how much power it can produce. A two-wheeler is thought to be stronger if its chamber is larger. Similar to how a four-wheeler vehicle's engine capacity is expressed in litres, a bike's capacity is understood similarly.

Bikes with higher cubic capacity come equipped with large cylinders that can produce extensive power output from the engine. This results in low fuel efficiency as more consumption is observed to drive more engine power output per stroke.

Bikes with higher cubic capacities are expensive. This is because intense mechanical fitness and build are required for the bike to withstand tremendous torque and power. Higher cc bikes have premium quality brake pads, comfortable suspension, and excellent exhaust that can easily overcome the wear and tear that might result from high-speed riding.

What effect does your bike's cubic capacity have on policy premiums?

Your bike's engine power is critical in the premium fixing process. The engine's cubic capacity affects the cost of your motorcycle insurance. A 75 cc bike would be less expensive to insure than a 220 cc bike. Take proper care of your bike's engine to guarantee that it operates smoothly.

Higher cc bikes would cost more to insure because your insurance rate directly correlates to your engine's cubic capacity (cc). When determining the third-party insurance rate, the IRDAI primarily considers the cc of your bike.

A bike's cc majorly determines the on-road cost of the bike. Low-cc bikes are less expensive than high-cc ones. The insurance premium for expensive bikes is more, considering their superior build quality and use of costly parts.

Other elements that affect the insurance premium for bikes with the higher cubic capacity.

Here are the various factors that influence the premium of the higher cubic capacity bikes:

● Geographic location: Compared to Tier II cities or rural areas, the premium is more significant if you stay in a metropolitan metropolis. Compared to non-metro regions, urban areas have a higher risk factor.

● Year of production: The age of the vehicle directly affects the insured amount. The insurance sum will decrease as time goes on since the bike loses value.

● Make and model of the bike: Premiums for high-end/premium bikes are higher; premiums for entry-level bikes are lower.

● Add-ons: In return for a more premium for bikes with higher cubic capacity, add-ons safeguard you against situations that aren't covered by the basic program.

● Installation of security measures: Lowering the danger of theft and the likelihood of damage by installing anti-theft devices or other security measures reduces the insurance price. By installing security devices, you can get a reduction in insurance premiums for bikes with higher cubic capacity.

Every bike driven on the road must be covered by third-party insurance. Therefore, in addition to looking at the bike's qualities before buying one, you should also consider getting bike insurance. Shop around to buy motor insurance online that best suits your needs and expectations. You can reduce the cost of two-wheeler insurance while maintaining adequate coverage if you heed the above suggestions.

Click HERE to buy motor 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.

The ever-increasing number of vehicles on Indian roads is constantly posing a risk to the safety of drivers, riders, and pedestrians. While purchasing the best two wheeler insurance in India is a mandatory requirement, several advanced technologies have also evolved to make motorcycle rides safer. These technologies are helping to reduce the number of accidents and enhancing road safety.

Let us have a look at them in detail.

1. Anti-lock braking system:
An anti-lock braking system or ABS is a technology that prevents a motorcycle’s wheels from locking when sudden brakes are applied. Hurried braking is usually used when an object or a vehicle appears suddenly in front of the bike. This may cause our motorcycle to skid and cause serious bodily injuries and even damage to the bike.
ABS makes use of speed sensors that are fitted on both wheels. It senses that a wheel lockup is about to occur and instantly reduces brake pressure. This prevents the motorcycle from skidding, preventing an accident.

2. Wearable airbags:
We have always known that cars come equipped with airbags that open up instantly at the time of a car crash. They minimise the impact of accidents and help to save lives. Most of us do not know that wearable airbags for bikes are now being made with the help of modern technology that performs a similar function as cars’ airbags at the time of a crash. Wearable airbags are put into a vest and can be worn with a compatible jacket. The airbag inflates during a collision and then deflates automatically. It cushions the rider and the pillion rider, minimising the crash's impact. These airbags can be a lifesaver and protect the upper half of the body. Also, these airbags are universal in nature and can be used with any motorcycle make and model.

3. Motorcycle alert systems:
Modern technology has enabled the incorporation of radar sensors that can scan our surroundings and identify potential dangers, even in motorcycles. These sensors can help us map the vehicles around us and alert us of any possible collision. They can also warn us of approaching vehicles or if a vehicle gets too close to us.
Motorcycles nowadays also come with sensors that alert us if our kickstand or side stand is open by flashing a light on the display panel. This helps avert a possible crash due to the open kickstand while riding.

4. Advanced lighting:
Motorcycles now have advanced LED lighting systems that produce optimal beams for enhanced street visibility. This minimises the chances of an accident due to poor visibility on the streets at night or during heavy fog conditions. Also, motorcycles have hi-technology illumination systems that enhance their visibility in poor light conditions.

5. Modern helmets:
Helmets are being made with advanced technology, making them lighter and sturdier. Modern-day helmets make our rides safer and protect our heads better than older models of helmets at the time of a crash.
Helmets nowadays also come equipped with hi-tech Bluetooth headsets and good-quality cameras. They help bikers stay connected during a ride, especially in difficult and risky terrains. The cameras are capable of capturing minute details during a ride. Riders can go through the recordings after finishing their ride and make a note of the possible improvements.

Modern technology is a blessing in reducing the number of road accidents. These innovations might cost us money, but they are worth every penny spent on them as they reward us with a safe journey. Two wheeler insurance also makes our motorcycle rides safer by protecting us financially in case of a crash. Choose the best two wheeler insurance in India to ensure complete motorcycle coverage and hassle-free claim settlement in times of need.

Click HERE to buy 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.

As two-wheelers turn old, their performance and the quality of their internal parts start to deteriorate. Significantly, the engine gets severely affected, which leads to more fuel consumption and harmful emissions. Such two-wheelers are then considered not fit to ride.

If you own an old two-wheeler and wish to ride it on Indian roads legally, then you need to have a fitness certificate for it. The Government of India has made the renewal of fitness certificates convenient by introducing the 'Parivahan Sewa portal' that operates entirely online.

Applying online is a hassle-free process as you only need to fill out a form and submit all the required documents to your local Regional Transport Office (RTO) for verification.

In today's post, we will take you through the step-by-step process of renewing your two-wheeler's fitness certificate online:

1. Go to the official VAHAN website. Begin the renewal process by going to 'Online Services' and selecting 'Vehicle Related Services.'

2. After that, choose your state. Next, click on 'Application for Fitness Certificate' and enter your bike's registration number and chassis number.

3. Following that, generate an OTP using your registered phone number. Enter the one-time password (OTP) that you received on your phone to proceed with the process.

4. Go to the 'Payment' option and complete the transaction to start the renewal fee transfer.

5. After completing these procedures, take the appropriate documentation to your local RTO to complete the two-wheeler fitness renewal process. Officials at the RTO will perform a fitness test on your bike and verify your documents to complete the process.

Steps to renew fitness certificate of two-wheeler offline.

Here is how you can acquire a fitness certificate for your bike offline:

1. Visit the local RTO

2. Fill out an application for a fitness certificate renewal

3. After that, attach the required documents to the application

4. To finish the procedure, pay the RTO the renewal fee for your bike fitness certificate

The officers will review your submitted documents and schedule an appointment for your bike's inspection. You must arrive at the designated centre on time. Here, your two-wheeler will be thoroughly investigated, and if it qualifies the desired parameters, you will be issued the fitness certificate for your bike.

Note: Although the renewal process is the same for both two and four-wheelers, the fee differs for both types of vehicles.

Complete list of documents you will require:

• Tax token

• Registration certificate

• Vehicle permit

• Pollution Under Control Certificate or PUCC

• Valid two-wheeler insurance policy papers

• Passport size photo

According to the Motor Vehicles Act of 1989, a vehicle's registration is only acceptable if a valid Vehicle Fitness Certificate accompanies it. Commercial and private automobiles are required by law to have a fitness certificate. Failing to submit a fitness certificate carries a punishment of Rs. 100. For consecutive violations, the fine is increased to Rs. 300. If you don't have a valid fitness certificate, you'll be fined between Rs. 2,000 to 5,000.

The law also mandates two wheeler insurance India. Failing to have both these documents can lead to hefty fines. Save yourself from the trouble and get the fitness certificate and insurance today. You can only enjoy riding your two-wheeler if you keep the required documents up-to-date and avoid landing yourself in any unwanted trouble.

Click HERE to buy the best two wheeler 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.

While electric vehicles are capturing the vehicle market, petrol and diesel-based cars still need to be put in trend. Maximum Indian citizens today own fuel-based vehicles, be it two-wheeler or a four-wheeler. But these fuel-based cars also have a history of superseding one another. Petrol cars have always been the favoured alternative amongst fuel-based vehicles.

Initially, diesel usage focused on heavy vehicles operated for commercial purposes like duty trucks, etc. But with the advancement of technology today, diesel vehicles have become widely popular and opted for daily use vehicles like passenger cars.

But do you know that your motor insurance premium changes for the type of car you use? Fuel may be the reason. Want to know how? Without any further delay, let’s get started.

1. How much is your car’s price:
Diesel-powered and petrol-powered cars are priced differently in the Indian market. Usually, the price of vehicles that have diesel-powered engines is high when compared to their petrol-powered counterparts. A higher price directly reflects on the motor insurance and premium prices.
Therefore, the more expensive a car you have, the higher the motor insurance premium you have to pay. So, figure out the maintenance and premium charges you will have to pay in the future and create a budget in advance so that you do not get surprises of additional premiums like motor insurance.

2. Repair influences the premium charges:
Yes! Even the cost of repair influences the motor insurance premium prices. The repair charges for diesel-based vehicles are much higher than those for petrol-based cars. Therefore, the company charges high premiums for your motor insurance to help cover the claims if you make any in the future. Similarly, if your car has expensive spare parts or is priced in the high-end range, the companies will charge you high motor insurance premiums.
This proves that fuel has a massive impact on premium charges. Having this information before you make any purchase will help you put things into perspective, especially budget-wise. Many factors should be considered when someone decides to purchase a car, one of which is the motor insurance, its premium charges, claims, add-ons, and other features which vary from one insurance provider to another.

3. Is your car fuel efficient:
Fuel efficiency is another influencing factor that determines higher motor insurance premiums. While petrol-powered cars have great starting and ignition power, diesel-based cars are beneficial for vehicles purchased to last longer.

4. Let’s have a look at the engine:
The engine capacity of your petrol-powered car is lesser than that of diesel-based cars, thus raising the motor insurance premium prices for diesel-powered vehicles. The better the engine capacity, the higher the premium. Who knew that fuel could be such a powerful influencing factor in the premium prices of motor insurance?

5. Cannot miss IDV (Insurance Declared Value):
If the market value estimation is high, the IDV will be increased, directly impacting the premium. Usually, the IDV of diesel-based cars is high, which leads to a rise in premium prices.

We hope this blog gives you a crisp and clear idea about your motor insurance premium charges. This will help you arrive at a decision or educate you about motor insurance and what factors impact the premiums which will come out of your pocket. And there is no doubt about how crucial it is to purchase motor insurance to protect your car and yourself against the financial burden.

Click HERE to learn more about 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.

When it comes to motorcycles, many accessories can enhance your riding experience. Whether a seasoned rider or a beginner, carrying certain accessories can significantly improve your comfort and safety. When you have the proper accessories, riding a motorbike is an exhilarating, even more, pleasurable experience.

This blog will discuss the one-stop guide for motorcycle accessories you must always carry. Without any further delay, let's get started. The following list of some essential motorbike accessories should be on your must-have accessories list.

1. Reduce the minor vibrations through hand grips:
Hand grips seem like a small addition, but they can significantly enhance your riding experience. Do you know how annoying vibrations on your handlebars are; maybe you've ever felt them. A nice set of hand grips can lessen vibrations and improve the smoothness of your riding.

2. Protect your motorcycle using disc brakes:
You worry about someone taking your motorcycle when you leave it parked in an isolated location. A disc brake lock can add a level of security for you. Although some might counter that disc brake locks can be broken, having an extra layer of protection helps prevent burglars. A disc brake lock that beeps if someone tries to tamper with it can also be a good option.

3. Use your phone conveniently with a phone holder with a charger:
A motorcycle phone holder is essential for riders who want to use GPS properly while riding. A sturdy phone holder with a charger helps you to navigate your route without taking your hands off the handlebars. You may use this holder to mount your phone and access GPS.

4. Safeguard your shoe for the convenient operation of your motorcycle by using a proper gear shift pad: The lack of proper rubber padding on gear change levers might cause long-term damage to your shoes. Your shoes will be protected and last longer if you use a rubber gear shift pad. Choose a shift sock that you may place on the gear lever if you do not want to wear the shoe pad.

5. Pack your things in a motorcycle tank bag:
Carrying small items while riding is inconvenient, but a tank bag can help. It would be best to consider using the Tank Bag to transport your goods. It features a clear map pocket where you can keep your phone. The material is sturdy and durable and comes at pocket-friendly prices, so you don't burn through your savings.

6. Purchase cleaner and chain lube for lubrication:
For the chain sprockets on your motorcycle to last a long time, your chain must be kept clean and lubricated. In India, most mechanics lubricate the chain using motor oil that has been burned, which might harm your chain. Buy a better chain lube set, including a handy cleaning brush that simplifies cleaning.

7. Riding comfort with an air suspension seat:
When you ride a long distance on bad roads, you may experience back pain and discomfort. You can avoid the unpleasantness of terrible roads by using an air-suspension seat. This seat can be utilised when your passenger is an older adult, a pregnant woman, or someone with back issues.

You can carry these few accessories to make your ride smooth and enjoyable. Now, let's talk about safety! You need to purchase motor insurance to protect your vehicle against heavy and unprecedented damage and save yourself against the monetary stress of getting your motorcycle repaired. Once you explore the options and get the best motor insurance to cater to your needs optimally, you must also remember to renew bike insurance online at equal intervals to keep availing of the benefits.

Click HERE to learn more about how you can renew 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.

As a bike owner, you know that your vehicle requires routine maintenance, tyre replacements and bike insurance renewal. But how often do you consider your vehicle's suspension? Your suspension system works hard to make your ride comfortable by smoothing out bumps in the road and keeping the wheels on the ground. Bike owners often overlook that part when it comes to repairs. But how can you know if there's a problem with your bike's suspension?

Here are some of the most common signs of suspension issues. Keep in mind that these are extreme instances, and your suspension system may be subtler. It all depends on the bike's handling.

1. Unreasonable bumpiness:
The primary function of suspension is to facilitate a smooth and comfortable ride, even on bumpy roads. If you start to feel every bump in the road, it's a clear sign that your shock absorbers are failing and should be replaced. Conducting a bounce test can help you check the efficiency of the absorbers. Do this by placing your entire weight on the back of your motorcycle. Release the vehicle and count how many times it bounces. If it bounces more than three times, there is an issue with your suspension.

2. Thud or rattle from suspension:
In most cases, your shock absorbers should be almost noiseless when in use. It's a concern if it starts making more noise than usual. The seal separating the damping oil from the pressurised nitrogen charge may be broken, resulting in a noise during compression and rebound. A knocking noise is even more concerning since it indicates that something inside the shock collides with something it shouldn't. If you continue to ride it, the damage will be consequential - and costly to repair.

3. Oil leak:
Oil coming from the air seals or adjusters is the first sign of an oil leak, but it usually leads to a lack of damping soon after. As the oil accumulates dirt, it may create a horrible black sludge accumulating around the end of the shock shaft. If you notice this, it's only a matter of time before your shock is damaged.

4. Lack of damping:
Even the most mechanically uncaring riders should be aware of this, but that isn't often the case. You might find it difficult to control your bike while riding. Check if the rebound and compression damping settings are still working correctly. If they don't seem to be making a difference, it's time to get it checked out.

These are some of the most prevalent suspension issues. Regularly check your suspension system, do some maintenance or replace parts if required. Neglecting your bike's suspension problems can adversely affect its performance and functioning. It can also impact the rider's physical wellbeing due to jerks that gradually result in back pain and other health issues.

Besides regular maintenance, bike insurance is both a legal requirement and a wise investment. It protects you from losses that may occur due to an accident or theft, and it can even cover the expenses involved in your bike's repair and servicing.

Click HERE to buy the best bike insurance that fits 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.

With the world going digital, smartphones have become an important part of our daily lives. Being stuck at home during the pandemic, smartphones became the only salvation from boredom. And children, too, are getting addicted to digital gadgets as we progress in time. Keeping your child away from smartphones is tricky with schools and colleges conducting online classes.

With new-age technologies emerging so quickly and taking over the world, children are very intrigued with how things function. And with all the information available online, it would be one-sided to keep your child away from smartphones and other gadgets and devoid them of all the opportunities.

This blog will discuss the right time to give your child a smartphone. Let’s look at the factors you should consider as a concerned parent or a guardian.

1. Responsibility:
Are your kids responsible enough to handle an expensive device with care? They might bring up a lot of reasons, but as responsible parents, you must ensure that you set up a boundary for the conscious use of these devices to shield them from the risks of the internet.

2. Maturity:
You need to assess the maturity level of your kids before you give them a smartphone. The mind of a child is fickle and very easy to influence. Determine and validate their reasons. Dig a little deeper and have an open conversation about why they want a smartphone. Be their friend in the process.

3. Limitations:
Nobody knows your child better than you do. So ask yourself, can they adhere to limits and rules? Because while a smartphone can serve plenty of good purposes, it can also cause massive amounts of distractions, which can have adverse effects on their academics, physical and mental health, social interactions, etc.

4. Safety:
Online safety is a huge concern these days. Even more so with children since they do not understand the consequences of the invasion of privacy and data exploitation. Your child needs to understand the importance of online safety and how they should communicate with you in case of fraudulent transactions or hints of illegal activities.

5. Carelessness:
Social media is addictive. And once you realise how easy it is to stay in touch with the people you know or get in touch with new people, it becomes challenging to keep off the phone. Adults struggle with this addiction, so it’s somewhat obvious for children to get addicted to it as well. Many children tend to text while driving or in public places, posing a huge risk of accidents.

6. Value money:
Your child should understand the expenses that come with a smartphone and, therefore, use it cautiously. Kids need to be mindful of their internet consumption and use it according to their needs appropriately.

Now that you know when the right time to give your child a smartphone is, you need to think about your kids’ safety and how you can safeguard their wellbeing during emergencies. Stay stress-free by purchasing personal accident insurance online, which caters to your children’s needs in the best way possible. The younger generation is susceptible to accidents due to carelessness and distractions. Personal accident insurance online will ensure your child’s safety with guaranteed benefits and a reasonable premium.

Click HERE to know more about how you can 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.

Insurance is an effective mechanism that protects the insured from the financial loss incurred due to damage to an asset. The prudent instrument protects high-value assets like vehicles, in the absence of which the victim has to shell out large sums of money to compensate for the damages to own property and third-party damages.

Despite the safety provided by online car insurance and its allied merits, sometimes the insurer does not approve a complete settlement, leading to being partially compensated. With proper knowledge regarding the procedure, related proofs, and some tips to remember while making claims, it is possible to receive a complete car insurance settlement.

Reasons for partial settlement:
Comprehensive car insurance is the easiest way to ensure that the insured is covered for maximum damages and receives the entire claim amount. If you haven't purchased comprehensive car insurance, you may encounter only a partial settlement for the following cases.

1. Depreciation:
Loss of value of a car due to wear and tear and usage is an inevitable factor that is considered while paying out claims. Damages to parts, including fibre and glass parts, tubes, tyres, etc., are only settled after considering their depreciated value according to the fixed depreciation rates and the age of the vehicle. A zero depreciation cover can help supersede this clause, but several conditions must be considered to avail of its benefit.

2. Partial car insurance coverage:
A partial cover protects the insured from the financial burden of third-party damages and has fewer inclusions while being less expensive than the latter. The policy restricts customisations and is ideal for infrequently used or old vehicles. The policy excludes NCB and its own damages, limiting its scope and increasing the financial burden on the insured.

3. Policyholder negligence:
Negligence while driving is a major cause of accidents. Suppose your insurer suspects that the driver was under the influence, negligent of general driving safety norms, or holding an invalid driver's licence at the time of the accident. In that case, your claim may be rejected or partially settled, depending on the severity of the issue and the claim amount.

4. Lack of proof:
It is essential to submit valid proof of the accident while filing a claim. With inadequate evidence, the insurer may not process the whole claim amount. Pictures of the accident site, eyewitness testimonies, and immediate filing of an FIR are some of the required proofs asked for by the insurer.

5. The car is used for business purposes:
If the insurer discovers that your personal car was used for business or commercial purposes at the time of the accident, you might not get a 100% claim or even a denial of the claim by the insurer.

Tips to speed up the claim settlement process:
While there is no fixed way to guarantee complete settlement, by following the below stated steps, you can ensure the fulfilment of your responsibilities to ensure that you receive the highest amount of claim possible.

1. Initiate the settlement process immediately:
Starting the process immediately after the accident is vital to ensure a quick settlement. It is ideal for raising the claim within seven days of the accident.

2. Keep all the relevant paperwork ready:
Each payment processed to rectify the effects of the accident, including maintenance of the car or replacement of parts, medical bills, the FIR copy, etc., should be maintained and provided to the insurer as proof.

3. Negotiate your demands:
Before reaching the final settlement, which you must ensure is in writing from the insurer, recheck if the amount is justified. Do not refrain from negotiating the sum with adequate reasoning. Consider seeking the help of a legal professional to make the process faster and ensure that your demands are satisfied.

When purchasing conventional or online car insurance, it is critical to read the fine print to ensure awareness regarding all the inclusions so that you can raise proper claims appropriately to settle at the earliest.

Click HERE to buy online car 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.

In India, as in the rest of the world, countless single people and couples want to start a family. However, not everyone has the same level of luck, and natural conception may not be an option for certain men, women, or couples. Thus, surrogacy is viewed as an excellent option for resolving this issue.

However, there are several potential problems when deciding to go through with surrogacy. To safeguard intended parents' rights and surrogate moms, the Indian government has enacted new surrogacy legislation, which indirectly impacts online health insurance companies. Keep reading to find out what the law in India says regarding surrogacy.

The Surrogacy Regulation Act in India.

Surrogacy is a burning issue in many parts of the world, considering their complex surrogacy laws. Before commercial surrogacy was banned in 2015 in India, surrogates in India used to suffer victimisation due to the lack of protection by law. It means they had limited support from the law or any other form of government to protect themselves. Plus, they were to follow either the Supreme Court's lead or the advice of the Indian Council of Medical Research.

However, The Surrogacy Regulation Act came into force on January 25, 2022, ensuring fertility services' safe and ethical practices.

Who can get surrogacy?

A surrogate mother must be in good health and between the ages of 25 and 35. She must have been married at least once and raised a child alone. She must also be a close relative of the intended parents. A woman can only serve as a surrogate once in her lifetime under the new Indian surrogacy rules, down from a maximum of three times under the old law.

Regulatory framework for surrogacy in India.

There are two sorts of surrogacy: traditional surrogacy and gestational or host surrogacy. Artificial insemination with the father's sperm is the traditional method. It establishes the surrogate as the child's actual mother.

An embryo created via in vitro fertilisation is implanted into a surrogate mother in gestational surrogacy. It is widely held that gestational surrogacy is simpler than traditional surrogacy, which has led to increased cases involving gestational surrogacy.

Following is a summary of the recent legislation regarding surrogacy regulation, effective as of January 25, 2022.

1. Commercial surrogacy banned:
Commissioning parents in the legally permitted altruistic surrogacy arrangement are responsible for covering the surrogate's medical expenses and providing health insurance coverage. Initially, only commercial surrogacy was legal in India. Earlier, commercial surrogacy compensated the surrogate mother for her services.

2. Health insurance proof becomes mandatory:
Couples who choose surrogacy to have a child must pay for the surrogate mother's health insurance for three years. The IRDA must approve the insurer following the Insurance Regulatory and Development Authority Act requirements. The sum insured must be sufficient to cover all costs incurred by the surrogate because of difficulties emerging during and after the pregnancy.

3. Additional protection for the surrogate mother:
The surrogate mother can end the pregnancy at any time during the surrogacy arrangement. The permission form format to be obtained from the surrogate has also been changed.
The couple must file an affidavit guaranteeing payment of expenses of the surrogate mother, including medical care in the event of illness or the surrogate mother's death and compensation for other losses.

The new surrogacy rules in India are intended to protect the rights of surrogate mothers by guaranteeing them access to online health insurance companies and policies if any difficulties arise during the pregnancy. While this is a positive development, India still has a way to go before we adequately safeguard the rights of surrogate mothers.

Click HERE to buy health insurance if planning for surrogacy.

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.

Health insurance policies are a useful tool to tide over any medical contingencies. It is essential for people of all ages, especially senior citizens, to purchase individual or family health insurance that can cover expenses incurred due to hospitalisation or any other allied medical costs. Its importance is only increasing as the medical inflation trends in India increase each year.

We know that age increases the risk of hospitalisation and medical expenses. This creates the necessity to purchase the best-suited comprehensive plan for senior citizens in the family. This article discusses the ideal period for filing a senior citizen’s claim and the time it takes to settle.

The ideal period for filing health insurance claims:

The period of filing the claim is essential in determining the time it requires for processing. Therefore, one must take all the necessary measures to facilitate a speedy claim settlement to benefit from the insurance policy.

Ideally, the insured should file their claim within two weeks for reimbursement claims. This is not a general time frame, as different policies have different time limits. However, claims filed after two weeks of hospitalisation are likely to be rejected or settled later, depending on the case.

Average health insurance claim settlement time:

As per the surveys and research done by the insurance industry, health insurance claims made by senior citizens take 28 days to settle compared to claims made by policyholders younger than 60 years, which take 23.2 days. These results have stirred up interest in the discussion to find the cause behind the delay.

The surveys also state that even the proportion of claim settlements is lower concerning specific conditions like diarrhoea, cancer, or prostate enlargement. However, it is the opposite when related to coronary heart disease. While this may seem alarming to those who have purchased health insurance in India for parents over 60 years, there are simple ways to avoid this.

1. What causes the delay in claim settlement for senior citizens?
The primary cause for the delay in claim processing is the delay in filing a claim. It is essential to ensure that the claim is filed and processed at the earliest opportunity. The findings state that senior citizens may take a while to file claims for numerous reasons, which may cause delays. To avoid late results, senior citizens must file a claim within a week or two and get assured of timely action.

2. A simple tip to ensure timely claim settlement:
It is often seen that young adults purchase health insurance in India for parents not just to protect them from bearing the burden of substantial medical bills but also to file for tax deductions.
However, to claim its primary benefit, it is essential to file claims on time. Since the elderly may require more time to do so, help from the hospital, staff, or relatives to file the claim in time will ensure that it is settled within 23.2 days instead of 28 days.

Carefully read the terms and conditions of health insurance in India for parents that specify information dedicated to senior citizens about the different inclusions and exclusions of the policy. Since medical bills and the risk of falling ill are greater at older ages, it is necessary to be fully aware of the benefits of different policies and file claims within the stipulated period. Help the senior citizens with a good life and healthy well-being!

Click HERE to buy the best 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.

We have discussed various types of insurance on this forum: health, personal accident, general, home, health, two-wheeler, motor, and many others. As a consumer, the most important role you need to play is to be aware of the purpose and the benefits of the insurance you are looking for or are ready to purchase. Have you ever wondered about what to do in case of burglary and theft of your possessions with a high financial value? Is there any insurance that helps you cover the costs of the properties or possessions against burglary, stealing, robbery, and other types of theft?

This blog will discuss everything you must know about theft insurance in India, including what kind of losses it can help you compensate for, the claims, benefits, etc. In this space, we will shed light on all the information you should know before you get in touch with an insurance provider or an insurance agent to purchase a theft insurance policy.

1. We are getting started with the basics:
Let the first point cater to the question- What is theft insurance? Theft insurance comes in handy against burglary, stealing/robbery, and other types of theft. It protects against the loss of your valuables in the points mentioned above.
Theft, which will be significantly used in this blog, refers to all kinds of stealing/robbery activities. At the same time, burglary indicates the act of trespassing on someone’s property forcibly and taking away their possessions illegally.

2. Why should you have theft insurance:
Now that you know what theft insurance is, you need to understand the more profound answer to why you need theft insurance. To attain protection against such incidents, it is a good idea to have a theft insurance policy in place. Apart from home, if you own a shop or an office space with items of high financial value, a theft insurance policy helps you recover losses caused by such illegal acts on your property’s premises.

3. A note for you to remember:
You need to be aware of the difference between theft and burglary. Both these illegal acts have their respective covers under theft insurance and burglary insurance plans. To claim theft, you need concrete proof of non-consensual/not forceful and non-violent entry/attempts into the premises of your home or other properties.
Meanwhile, to claim burglary, you need to have solid proof of violent and pushing/forceful attempts to enter the premises to accomplish the burglary. Insurance plans cover theft and burglary, so you can explore all your options with your insurance provider, keeping the difference between these two threateningly illegal activities in mind.

4. What type of coverage and benefits are we talking about:
Always read all the terms and conditions of the insurance policy carefully, which will help you analyse and get more insights into the benefits and coverage limitations.
Theft insurance covers the risks and losses due to damage done by theft in your home or other spaces that you own. The insurance premium is decided based on the history of the claims made, the type of possessions, and the security measures within the property.

5. Limitations you must be aware of:
You will not be compensated for the theft insurance policy under the conditions which have been mentioned below:

● Silver, gold, and other high-value metals

● Hard cash

● Items stolen by members of the family

● Share certificates and possessions stolen by employees and house help

● Thefts that occur during stressful periods like wars, riots, natural disasters, calamities, terrorist attacks

● Absence of security or leaving the possessions uncared for/unlocked on your premises

● Forged theft acts

You must purchase the right theft insurance policy by exploring your options, talking to the insurance provider, and finalising the policy that caters to your needs in the best way possible. Reliable insurance will protect you against monetary stress in light of such unpredictable and dangerous activities.

Click HERE to learn more about purchasing a theft 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.

The world is adapting to digitisation, resulting in convenience and efficiency with the power of technology. The insurance industry has adopted various new and technology-driven concepts to ensure better customer support. Most official activities turned digital during the last two years due to the pandemic.

But many people believe that the online service mode is not very bankable, be it shopping, online payments, or online insurance. Even today, people choose the physical method because they believe it is more reliable and effective.

In this article, we will bust some myths and talk about all the benefits of online insurance and why you should buy motor insurance online.

1. No third party or agent is required:
One of the most significant benefits of buying motor insurance online is that you do not need an insurance agent to facilitate the process. When you purchase insurance from an agency offline, the insurance agent helps you identify all the covers in your insurance policy or any additional add-ons you might require.
When you switch to online insurance, you eliminate the need for this third party as all the information you require is readily available online. You can also compare various insurance providers and their costs. The cost you save on paying your insurance agent can be used for buying add-ons on your premium.

2. Ditch the paperwork:
Online insurance companies are making completely paperless purchases with bare minimum paperwork. All your IDs are digitally scanned and uploaded to your insurance portal, and the proposal form is also filled digitally. The digital copy is later forwarded to you for future reference. When you buy motor insurance online, you skip the hectic paperwork and contribute to a greener environment.

3. Instant policy:
The process of buying motor insurance online is faster compared to the physical mode. One can achieve everything instantly, from evaluating the policy holder’s profile to resolving the claim if opting for online motor insurance. All the documents and forms can be filled out from the comfort of your home and get instant policy issuance.

4. Compare online:
Since evaluating every motor insurance policy can be cumbersome when done physically, opt for an online comparison. Various websites with good customer reviews will enable you to make informed decisions on the different kinds of insurance policies, their premium amounts, and the overall customer experience.
Not only will these websites help you in comparison, but there are insurance calculators on various websites that can give you an approximate estimate of the total insurance cost. Read through the company’s website thoroughly to choose a tailor-made insurance policy. When you compare prices online, you know more about different deals available in the online market.

These are a few ways an online insurance policy is a better option than a physical one. Irrespective of the kind of insurance you buy, it is essential to remember that all your needs are met with your current insurance policy. Add value to your bike riding experience by investing in good motor insurance. Motor insurance is an intelligent way to ensure that you are safeguarded against accidents and damages and all the other expenses that your vehicle's maintenance might require. For your next renewal, buy motor insurance online to save money and time.

Click HERE to buy motor 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.

A comprehensive bike insurance policy protects you in case your bike gets stolen. It ensures the receipt of the total insured value or the IDV of your bike from the insurance company. This way, two wheeler insurance will reimburse you when you raise an insurance claim.

But what happens to your expensive belongings kept in the bike, such as your bag or wallet, that have disappeared along with your two-wheeler? Worry no more! You can now buy an add-on theft cover while purchasing two wheeler insurance online or offline to protect your personal belongings.

The benefit of theft add-on.

A theft add-on feature for your bike’s comprehensive insurance policy enhances its value by covering your personal belongings’ value. You can purchase this add-on cover while buying new two wheeler insurance online India or renewing the existing policy. The insurance company becomes liable to pay the amount mentioned in the add-on cover. The depreciation amount is deducted to date for your personal belongings in case your bike gets stolen.

Documents required.

You must provide the following documents to raise an insurance claim:

1. An FIR filed with a police station immediately after your bike is stolen

2. Original invoice of the items for which you are staking a claim or proof of ownership of the belongings stolen

You must inform the insurance company of the theft within 30 days of the bike being stolen. The insurance company will not entertain any claim post this period. Also, insurance companies will not accept claims for items not meant for personal use. It means the lost item should not be for trading or commercial purposes. Also, the item you are claiming should be inside or on the bike when it gets stolen.

Advantages.

Opting for a theft add-on to your bike insurance has several advantages:

1. Only this add-on assures you of reimbursement for the loss of your personal belongings present in your bike in case it is stolen.

2. This add-on protects your hard-earned money. You can have complete peace of mind and leave behind your belongings on your bike without worrying about their loss.

Limitations.

There are a few limitations of theft add-on to your bike insurance too.

1. Depreciation:
Insurance companies charge high depreciation for your valuables. The minimum percentage of depreciation charged is 20% which can go up to 80% for items over four years old. Hence, you may get a minimal amount for your lost personal belongings.

2. Documentation:
The formalities required to support your insurance claim for your personal belongings are cumbersome. For example, you may not have proof of ownership of all the items stolen with the two-wheeler and may not get the claim passed for them.

The theft of your bikes is not in your control. A standard insurance policy will only provide compensation for your bike and not your valuables. Opting for a theft add-on to your bike insurance is an intelligent choice. It has more advantages than limitations and will protect the valuables in your bike.

Similarly, opting for two wheeler insurance online India is a great choice. It minimises paperwork, saves time, and is much more convenient than buying an insurance policy through conventional channels. You can make an informed choice by comparing similar policies of all the service providers and choosing the best amongst them. Hence, ensure your peace of mind by buying your two wheeler insurance online India policy.

Click HERE to buy two wheeler 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.

Irrespective of age, health is easily one of the most overlooked aspects that are ironically detrimental to the quality of one's life. A few decades ago, maintaining health was not a matter of discussion as it is now, mainly because of the outbreak of viral infections, lack of exercise, and poor eating habits.

People of all age groups face health issues, the old due to their age and the young due to stress. The inconsistent lifestyles have become an open invitation to several health problems. And, as the severity of health conditions increases, it impacts your finances.

In unforeseen situations where you or your family may require to be hospitalised, a health insurance policy for family protects you from the rapidly rising medical cost. Managing finances during health emergencies can be daunting, but with the right insurance plan, you can handle everything well.

While it may seem complicated, keeping these factors in mind can help you buy the best-suited health insurance policy for family!

The need for family health insurance:

While most look at a health insurance policy for family as a means to claim tax deductions, it serves a far greater purpose. Medical emergencies are not preplanned, and without a comprehensive health insurance policy, you will have to pay for the expenses out of pocket.

These medical bills are almost in large amounts that are sure to vent your savings massively. Instead, upon paying a comparatively minimal premium annually, you can protect your spouse, children, parents, and parents-in-law under the same policy that covers any possible medical expenses.

How to decide on policy coverage:

While a health insurance policy for family is a one-stop solution to cover the entire family, it may not be enough based on your situation. If you are newlyweds or a young family, a family floater plan may suffice for your case.

Since medical emergencies are relatively infrequent at a young age, the premium is lower, and the cover is adequate. With time, as your family grows and the insured members' age increases, it is essential to take out individual insurance specifically catering to their health needs.

How much should your policy be for?

As medical inflation continues to rise, adjustments need to be made to these figures to accommodate any potential situations where a claim may need to be made. A cover of 5 lakhs should be the minimum for families with young adults. Since risks are fewer at this stage, premiums are also lower, and the amount is adequate to cover general medical bills.

With the increase in the insured members' age, the policy amount and premiums also increase. However, they do not rise proportionately, making it easier to purchase a higher-value plan at a relatively low increase in the annual premium amount. It is also necessary to factor in living costs and adjust these figures accordingly.

What is covered, and what is excluded?

While they are a convenient means of protecting your entire family without having to pay individual premiums for every member, there are certain exclusions to a health insurance policy for family that you must be aware of.

They generally include psychiatric medical expenses, provide annual health check-ups to all covered members, and even cover maternity-related costs. However, babies younger than 91 days and children over the age of 18 years cannot be included under family floaters. It also excludes any pre-existing medical conditions for which a separate cover needs to be purchased. Health insurance policy for family also has a waiting period, during which the insurance providers do not compensate for any expenses incurred.

A health insurance policy for family is a straightforward tool that protects your entire family at a low premium value from any medical contingencies. By attentively checking the inclusions and exclusions of the policy, one can ensure comprehensive cover for their family to combat health emergencies without any worries about finances.

Click HERE to buy the best health insurance policy for family.

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 we progress, we are moving towards better options in all aspects of life. Advancements in medical science over the last few decades have resulted in ground-breaking discoveries and the latest med-tech developments. The constantly evolving world of medicine has resulted in innovation in the dental industry. This discovery came in the form of clear aligners, which are the latest trend. Orthodontists globally suggest them as they are better suited for many reasons, making them preferred over traditional braces. But why are they so popular? What makes them different? We will discuss them all in this article.

Clear aligners are still an upcoming trend that many may not know. Due to this, we will help you walk through these unique orthodontic devices and how they straighten your teeth. Regardless of your dental problems, you should always have the best health insurance policy in India to cover all your medical expenses. Now, let's understand the benefits of clear aligners.

What are clear aligners?

Clear aligners can fix misaligned or unorganised teeth placements. After conducting an intraoral scan, orthodontists can determine the problem with your teeth and possible solutions. Made with cutting-edge 3D technology, each aligner is customised according to the patient's needs. The aligners move the teeth into place gradually without causing pain. The time taken to do so depends on the unique condition of every individual.

What are the benefits of clear aligners?

1. Maintains oral hygiene:
With clear aligners, you can maintain your dental hygiene without any hassles. You can remove them as per your will and then brush your teeth meticulously without fear. On the other hand, you need to clean carefully when you have your braces on. Braces can cause dental problems as you cannot brush your teeth well. It can lead to other oral problems like bad breath and cavities.

2. Freedom to eat or drink anything:
Braces bring several dietary restrictions and place constant pressure on your teeth. However, you will feel nothing with aligners, as they are removable. You can eat or drink to your liking.

3. Practically invisible:
It is very difficult to spot clear aligners. They are almost entirely invisible. This means that you need not inform anyone about your orthodontic treatment. In stark contrast, metal braces are easy to notice. This can be a matter of embarrassment for many adults and teens.

4. No operational hassles:
The whole process of getting metal braces done can be tedious. It requires regular monitoring and tightening to keep you comfortable. If any wire is left unopened, it can lead to ulcers in your mouth. With clear aligners, this is not a problem. It does not require any tightening during doctor appointments.

5. No obstruction to teeth whitening:
Metal braces can force you to compromise on your dental hygiene. This can lead to the loss of a pearl-white smile. You may also notice plaque formation as a result of bacteria growth. If left untreated, you may have decayed teeth, bleeding gums, and other problems. To avoid this, switch to clear aligners, which pose no threat to your white teeth in any way. You can brush them whenever you want and not fear being cautious around metal wires.

Clear aligners are the future of dental science. They are highly effective, consume less time for fitting, and show results sooner than metal braces. With advancing times, most people will switch towards clear aligners to treat their teeth. In any medical situation, purchasing the best health insurance policy in India may help you cover the procedure's cost.

Click HERE to invest in 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.

Many of us feel shoulder pain when we try to remove our wallet from the back pocket or reach for something overhead. If you experience pain or stiffness in your shoulder joint while moving or resting, you most likely have a frozen shoulder.

Many treatment options, such as pain control medication and simple exercises, are available for frozen shoulders. If you diagnose a frozen shoulder early, you can treat it more quickly with the appropriate care.

Let's first understand the frozen shoulder and its symptoms for an early diagnosis and treatment!

In the shoulder, three bones named the scapula, clavicle, and humerus join together to form a ball and socket joint. These bones are surrounded by tissue that holds everything together. When a person suffers from a frozen shoulder, the tissue thickens and hardens, causing mobility loss. It also causes scar tissue formation, further restricting the shoulder's movement.

Frozen shoulders, also known as Adhesive Capsulitis, can cause discomfort in the arms, making simple activities such as taking a shower or getting dressed almost impossible. More symptoms of a frozen shoulder include stiffness and loss of freedom of movement. Depending on the severity, these symptoms may last from 18 months to three years. In some cases, people with frozen shoulders regain their mobility after three years without needing treatment.

However, it is best to see a specialist and get some relief from the pain. You can use several treatment methods and tips for fast recovery.

What causes frozen shoulders?

Knowing the cause helps you reduce the chance of developing a frozen shoulder. The main causes include inflammation, scarring, shrinkage, and thickening of the shoulder tissue that encloses the joint.

People with medical conditions such as chronic shoulder arthritis, diabetes, and who have recently undergone breast surgery are at more risk of frozen shoulders. Some shoulder injuries also cause frozen shoulders. Did you know that inactivity of your shoulder can result in frozen shoulders? Women are more likely to experience frozen shoulders than men.

If you think you are at risk of a frozen shoulder or suffering from it, you should get health insurance to cover your medical treatment in the future. You can instantly find and choose the best health insurance policy among several online health insurance companies.

Treatment for frozen shoulder.

The effective treatment options for a frozen shoulder include;

● Physical therapy:
It involves the stretching of the shoulder joint to regain lost movement. You need to exercise daily for a few weeks to nine months to experience a full recovery.

● Medication:
Doctors recommend taking painkillers and steroid injections to reduce joint inflammation and pain. You should consult your doctor before taking painkillers, as not all painkiller medications suit everyone.

● Home care:
Getting adequate care at home is necessary for quick recovery. You can use a hot or cold compression pack to relieve pain.

● Surgery:
If your condition does not improve with the above treatment methods, your doctor may suggest surgery. Surgeons use manipulation surgery to stretch and release the stiff tissue of the joint.

Frozen shoulders are a painful condition, and their treatment needs adequate care. Understanding the frozen shoulder and its cause is crucial to reduce the risks. Moreover, recovery from a frozen shoulder can take less time with proper treatment but can be expensive for most people. You can save yourself from paying hospital bills and other treatment costs with the help of health insurance. Several online health insurance companies offer insurance policies that provide specialised coverage for critical illnesses and surgeries.

Click HERE to purchase the best plan from the online health insurance companies for you and your family.

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.

Cycling is a fun exercise with many benefits for everyone. The younger generation is fascinated with cycling adventure, and they usually ride their bicycles in their vicinity and even plan passionate cycling tours to thrilling destinations. But did you know that cycling also benefits and excites older adults? It is an excellent way of keeping older adults fit, healthy, and engaged without putting too much pressure on their bodies.

*Pro-tip
If you want your parents to be protected from the possibilities of heart diseases and cancer, make them indulge in cycling as it helps reduce the risk of these adverse medical conditions. Another great way to ensure a healthy lifestyle for your ageing parents is to buy the best health insurance in India and provide vital financial support during medical emergencies.

Now, let's see some interesting health benefits elders can enjoy by cycling regularly.

1. Boost the immune system:
Elders have a weak immune system; as they grow old, they produce fewer T-cells, essential to fight against diseases. Cycling helps maintain the production of T-cells in older people, which boosts their immune system. It also helps older adults to preserve their strength and muscle mass to stay energetic throughout the day and feel less lethargic in doing any activity.

2. Good for the heart and body:
Cycling is excellent for the cardiovascular health of the elderly. It reduces the risk of severe health conditions due to heart disease by 45%. The elders who ride bikes regularly get their cardiovascular health increased by 3 to 7%. Riding a bicycle for 30 minutes also helps reduce the risk of several other medical conditions, like kidney disease, diabetes, and colorectal and lung cancer.

3. Slower ageing:
According to a study, high intensity cycling or other exercises can result in slower ageing. Older adults can enjoy the anti-ageing benefits by setting up a daily cycling routine. It is essential to maintain mitochondrial capacity as its decline can lead to physical deterioration. Cycling is excellent for increasing mitochondrial capacity.

4. Deal with fat:
Excessive accumulation of fat due to lack of physical activity can increase the risk of health problems like stroke, type 2 diabetes, and heart attack in the elderly. As they grow older, exercising to lose weight becomes a little complicated. But cycling doesn't put much pressure on the body. Elders can easily lose fat and weight with regular cycling with less effort and maximum benefits.

5. A good stressbuster:
Stress is a general issue that bothers younger and older adults for several reasons. This stress becomes the underlying cause of several other health complications. Hence, it becomes crucial to control stress to improve an individual's mental and physical well-being. Group activities like cycling are enjoyable as cyclists can meet new people with similar interests. It helps elders find companionship and keep themselves cheerful.

6. Good for joints:
Walking and running become challenging as people get older. Seniors usually suffer from injured joints, and putting too much pressure can worsen their condition. Cycling is ideal for elders as it puts less stress on their joints. According to a study, cycling improves the condition of knee pain and osteoarthritis in older adults.

7. Build strength and stamina:
Cycling helps seniors build knee muscles and improve their stamina. It is a whole-body workout that helps older adults maintain their strength and endurance. It also enhances the mobility of individuals and helps them keep their bodies in the best shape.

Once you understand the significance of cycling, encourage your elderly to get involved in this activity. It helps elders meet new people, essential to improving their mood, and gives them a new direction to live their retirement life with enthusiasm.

Indeed, cycling improves the health condition of elders and provides them with the reward of a fitter lifestyle. Gift the elderly with the additional coverage of the best health insurance in India. Insurance supports financially by covering the diagnosis, hospitalisation, medical, and ambulance fees, releasing massive stress from older adults to deal with their health complications.

Click HERE to buy reliable health insurance in India for elders.

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.

Abdominal pain is a prevalent issue of concern worldwide. The common causes of abdominal pain are gas, indigestion, and constipation. They don’t require urgent medical care, and you can get relief in a few hours. However, there may be more serious causes of abdominal pain, like urinary tract infections, kidney stones or infections, and even appendicitis which can be serious.

These are some causes for which you must seek immediate medical help. If the cause for your lower abdominal pain is an inflamed appendix, more often than not, you may have to undergo appendix surgery. The surgery cost is high, making it essential to buy health insurance online. While health insurance covers medical expenses, taking precautionary measures and being aware of its symptoms is necessary.

Let us understand lower abdominal pain caused because of appendicitis more clearly.

What is appendicitis?

Our large intestine has a pouch-like structure at its beginning, known as the appendix. The appendix sometimes becomes inflamed and fills with pus, causing immense pain. This situation is called appendicitis. It is treated with antibiotics and must be removed through surgery.

You should not ignore severe and persistent lower abdominal pain as it may be a sign of appendicitis. It can be dangerous and result in a ruptured appendix that can cause severe infection when ignored.

What are some common symptoms of appendicitis?

If you regularly suffer pain in your right lower abdomen area for a prolonged period, it is time for you to visit a good doctor. Also, the severity of pain eventually increases if not diagnosed early. Other symptoms of appendicitis include nausea, vomiting, fever, and loss of appetite.

What are the associated risks of appendicitis?

When the appendix becomes blocked and inflamed, bacteria multiply in it. The appendix can start swelling, along with pus formation. This causes painful pressure in the lower abdomen. It can also block blood flow. Not only does appendicitis cause immense pain and trouble, but bacteria can spill into the abdominal cavity with the bursting of the appendix. This can result in developing life-threatening infections.

The pain caused by appendicitis is usually so severe that it can even wake us from sleep. It can worsen within just a few hours and may require immediate hospitalisation.

How is appendicitis diagnosed?

There is no specific test to diagnose appendicitis. The doctor first understands the symptoms and your medical history. He will physically check for swelling or rigidity of the lower right part of the abdomen. He may also perform a digital rectal examination.

The doctor may ask you to get a few more tests done to ascertain the occurrence of appendicitis. This may include blood tests, urine tests, and abdominal imaging tests.

How to prevent appendicitis?

There is no way by which we can fully prevent appendicitis and the subsequent pain that it causes in the lower abdomen. But having a high-fibre diet can help reduce the chances of appendicitis. Additionally, increase the intake of fresh fruits and vegetables, lentils, beans and other legumes, split peas, brown rice, whole wheat, oatmeal, and whole grains. Consider the intake of some fibre supplements with the approval of your general physician to ensure a well-balanced diet.

One should never ignore lower abdominal pain as it can be a sign of appendicitis. The pain and uneasiness can lead to fatal infections. Since such ailments are beyond control, one should focus on safeguarding their health. Buy health insurance online with comprehensive protection to cover the costs of treating appendicitis without feeling a pinch on one’s wallet.

Click HERE to buy health insurance online 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.

With globalisation, the world has become a closely-knit village. It isn't easy to imagine a life without an international supply of goods and services that provide both convenience and luxury. However, while the flow of capital and ideas has been facilitated with the ease of internet transmission, transporting goods and services continues to take time and money.

With the expansion of international trade and travel, there is great emphasis on transporting goods most cost-effectively in the least amount of time. In such a backdrop, freight companies have seen an increased demand for overseas cargo shipments. They pay great care to ensure that your cargo reaches its destination safely by taking adequate measures to minimise risks.

On an individual level, you can ensure that the cargo is protected against any incidental damages by following the tips given below.

1. Proper packaging:
For an international shipment, the most significant issue is the risk of damage while in transit. It is best to take preventive methods while packing the goods instead of blaming the freight company after the loss has been faced. It is essential to choose the right packing supplies and ensure they are securely packed.
Also, consider the handling of the cargo while packing. Since it is known that goods are stacked on top of one another and moved using transporting vehicles like forklifts, ensure that your packaging is resistant to rough handling and is stackable. Keeping these in mind will ensure that your goods remain safe and your packages are easy to deliver.

2. Attention to fragile items:
No matter how much emphasis is placed on fragile items, it is inevitable to discover minimal damage to such delicate goods. While there is no way to eliminate the risk, proper packaging can minimise such losses.
Ensure that the package indicates the delicateness of items inside so that it is handled with care and cushion using adequate protective supplies. Consider purchasing insurance for fragile items offered by freight companies, similar to buying a fire or marine insurance India.

3. Internal cushioning:
It is known that freight companies transport large volumes of cargo daily. With such large numbers, it is difficult to ensure that each package is transported without damage. Therefore, customers should take preventive measures at the packing stage to minimise damages by providing adequate internal cushioning to the goods using bubble wrap, packing peanuts, and extra supplies to ensure the structural safety of the package.

4. Weight limitations:
Transportation charges are based on the weight of your cargo. Ensure you are not penalised by weighing your packages appropriately while filling out documents. A wooden crate may add to the weight of your parcel and increase shipping charges, but it ensures that your goods reach their destination securely.

5. Customs and Duties:
Each country has its own set of rules regarding imports. Ensure that your cargo fulfils the criteria of the destination country, the necessary documentation is filed in the proper order, and prescribed fees are paid.

6. Mode of transportation:
Factor in the cargo's nature, fragility, perishability, and delivery due date before selecting a suitable mode of transport for the goods to be delivered. For example, shipping by sea, although takes longer but is a cheaper option. By considering such factors, it is necessary to determine the best route of transport.

7. Proper insurance:
Since your cargo is set to travel long distances in uncertain conditions, it is best to purchase an insurance policy for your shipment to prevent shouldering any loss of goods in transit. Irrespective of the mode of transport, several policies like air cargo insurance and marine insurance India can minimise such losses.

International transport of goods has become an inevitable part of the modern supply chain. While freight companies are considered risky, however, with mechanisms like marine insurance India, you can share such risk with the insurer and safeguard your finances. Keep the above tips in mind, purchase the right insurance, and get ready to send your cargo overseas.

Click HERE to buy the reliable marine 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.

The foremost priority for any parent is to make their children financially secure by the time they turn eighteen and are ready to take on the world. In the growing years, your children may even decide to start up some business of their own for which they will require funds too. Also, you must consider the high living costs if your child decides to study or work in big cities like the metros. It is crucial to allocate funds to aid your child's education at foreign universities, considering the boost in international education opportunities.

Efficient financial planning is the key to being future-ready and meeting all expenditures to secure your child's future. We have designed our guide to help you plan your finances in the most appropriate way to ensure your child's bright future.

1. Start early and set your goals:
The first tip is to start as early as possible and set realistic and achievable goals. You should decide how much funds you will require to satisfy your child's aspirations. It need not be an exact amount; a close estimate will do. Calculate how much money you can save and put aside every month for your child from your current income.

2. Investing:
Investing your savings will make them grow; hence, you must decide where to invest this money. Ideally, your investment should be more in equity and less in safe-haven assets such as debt funds, fixed deposits, and gold, considering your long-term goals. Equity has the power to give you compounding returns over the years and grow your money exponentially. However, it is associated with risk.
Fixed deposits and debt funds will give you relatively lower returns, but they will be steady and safe. You must make smart decisions while investing your capital into these investment instruments.

3. Choosing the best schemes:
You will need some money for your child in the short term to meet her schooling and living expenses and more money in the long term for meeting her higher education expenditure. Allocate your investment between different asset classes accordingly and choose the best possible schemes available for the same. Invest in avenues that allow withdrawals without a long lock-in period to meet your short-term needs.
You can take the mutual funds route to invest in equity if you are not comfortable with investing in the stock market directly. Equity comes with many options, such as investing in different economic sectors, market capitalisation per your time horizon, etc. You can also buy government bonds and gold directly from outside sources.

4. Appropriate insurance coverage:
Insurance keeps your family secure in case you or your member meets with an accident. Hence, invest in a good insurance policy as per your individual need. What will happen to your child's future if something happens to you? Take a general insurance cover so that your children get fruitful benefits. Similarly, go for a mediclaim or comprehensive health insurance policy from the best health insurance company in India with a full family cover so that you are under no financial stress if anyone from your family meets with an emergency and requires hospitalisation.

5. Nominee appointment:
Never miss out on filling in the name of a nominee while investing anywhere. Fill in your spouse's name or a reliable third person, but do not leave the field blank. Only the nominee will have legal access to your investments in case of your sudden demise.

6. Regular review:
Review your investments regularly. If your investment is not performing as expected, change it to other investment options with higher returns. Similarly, keep checking your mutual funds' scheme performance and change it if it underperforms for a long time.

Proper financial planning will help you to secure your child's future. The above tips will keep you stress-free, and you will have a sufficient corpus ready by the time your child goes for her higher studies or is ready to start a venture. Reliable insurance coverage from the best health insurance company in India and good investments will be the perfect formula to turn your child's dreams into reality while being in their best state of health and well-being.

Click HERE to buy insurance from the best health insurance company 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.

Raising kids is no picnic. Parents' entire world revolves around their children. Several aspects factor in their upbringing, including education, health, financial aid, culture, tradition, habits, and much more. Nutrition is one of the most critical quotients to take care of during your initial parenting years. Your children's health during the formative years determines several things about the upcoming phases in their lives and how they would reflect in their lifestyles. And amongst the various components of children's health is the development of their brain, which would then influence their learning capabilities, socialisation, co-curricular, ambitions, etc.

Catering to your kids' basic nutrition requirements is essential. But at the same time, have you ever thought about how different types of food can enhance your child's brain? How can it affect their mind and the abilities that come with it? We have the answers. This blog will provide a barrage of options to include in your kids' diets. So, here is the list of superfoods to add to your kid's diet for better brain health.

1. Berry merry:
Your child's diet should include berries rich in antioxidants (strawberries, blueberries, blackberries, cherries, etc.). They are an abundant source of vitamin C, reducing cancer chances in the later stages of life. The brighter and more vibrant the colour of the berries, the more nutrients they are believed to have. So, make sure you give your children the rainbow diet of berries without fail!

2. Yoghurt, please:
It is a snack proven to be rich in protein. Enhance your child's brain health by inculcating unsweetened yoghurt in their diet. Dairy products such as yoghurt are rich in substances like iodine, which has been scientifically proven to help develop your child's brain by improving its cognitive function and growth. Sufficient levels of iodine in your kid's diet can help reduce risks of cognitive impairment compared to children who are habituated to lower than required amounts of iodine.

3. Eggs are a must:
An immense protein source, eggs are essential to your child's diet. Egg yolk contains choline, a significant nutrient source aiding brain development. Eggs can be served in various forms-burritos, rolls, wraps, omelettes, poaches, etc., attracting children to eat without trouble. They also help in providing energy and strengthening the bones in the body, which would help in later stages of life by reducing the risk of the brittleness of bones and injuries.

4. Oranges all the way:
A very popular source of vitamin C, oranges are one of the children's favourite fruits. Besides being rich in vitamin C, they are also a huge booster for your child's cognitive health and development. They enhance blood flow when consumed in the form of juices, fruits, or foods. A boost in the blood flow when it reaches the brain increases nerve activity, thus improving the overall cognitive performance of the brain in the long run.

Other superfoods include beans, oats/oatmeal, fish (rich in omega 3), leafy greens like spinach and lettuce (rich in vitamin E and K1), cocoa, nuts, peanut butter, and many more.

The list of superfoods mentioned above includes food items readily available in the Indian markets and have high nutritional value for your child's brain and body. We hope that the options discussed above provide sufficient alternatives and reasoning behind why you should include these food items in your child's meals and how they enhance their brain health.

We just discussed how essential it is to take care of your children's brain and overall physical health. At the same time, it is also necessary to create an extra layer of protection for you and your loved ones' health against unprecedented circumstances. You must get a robust health insurance policy for family to combat such situations. With the introduction of digital services, you can get an online health insurance policy for family with all the relative information from the comfort of your home.

Click HERE to learn more about how you can buy a reliable health insurance policy for family.

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.

Biker jackets are a must-have safety gear for bike-riding enthusiasts. They provide comfort, protection, and safety and help you make a style statement. Originally biker jackets were made from leather since they provided durability and insulation. However, in recent years, textile and mesh jackets have also evolved as good substitutes for leather in making biker jackets.

Here is a complete guide on choosing the best biker jacket to make your riding experience safe and stylish.

1. Safety:
The main function of a biker jacket is to provide the rider with safety and adequate protection in case you meet with an accident. It equips with a protective layer that a regular shirt or a t-shirt will not provide. Hence, go for a biker jacket that is strongly built to withstand the effect of impact or abrasion. Leather scores over textile or mesh in this department as it can withstand the effect of abrasion and will not tear even if you fall and are dragged on the ground.
A biker jacket should have adequate padding to absorb the energy from the impact and minimise injuries to the rider. Biker jackets are made to protect your spine, shoulder, and elbows to reduce the devastating effects of a serious accident. Some jackets are made with hard plastic armour to provide extra cushioning.

2. Durability:
A biker jacket will usually cost much more than your regular bomber jackets due to their build and quality. A biker jacket made of leather will be more durable than jackets made of textiles or mesh. Spending money on safety is a worthy investment, so make the right choice and the best riding jacket.

3. Comfort with the right fit:
A biker jacket should be comfortable and lightweight, along with being durable. Hefty jackets will make you feel bulky and uncomfortable over long bike rides. Correct fitting is crucial so that you feel comfortable in it. You can opt for jackets with removable soft inserts and use them as needed.
The jacket should allow adequate airflow, which will be helpful on a hot day. Also, the collars or arms should not flap while riding but allow the air to flow through so that the jacket does not become a distraction while riding. Remember that your bike and posture will significantly impact the fit of the jacket you need. While a regular, relaxed fit touring jacket can be great on a cruiser bike in which you need to keep an upright posture, the same jacket can be annoying and of poor fit if you have to ride a sportbike in a crouched position.

4. Style statement:
A biker jacket that lacks style is a big no for any biker. Your jacket should be designed such that you can make a style statement wherever you go. Race jackets or biker jackets should be colour-blocked and of vibrant colours to catch attention even from a distance. They should provide you with a sporty look. Some come with metal skid plates on the shoulder and elbow areas and most come with a reflective piping design to make your jacket look more stylish and provide safety.

A good biker jacket is similar to two wheeler insurance. Jackets save bikers from the impact of the accident, and two wheeler insurance provides them with adequate coverage and protection in case of a mishap. Invest in the best two wheeler insurance in India to be your saviour and true companion in unforeseen circumstances.

Click HERE to buy 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.

With the changing lifestyle and inconsistent routines, more and more people fall prey to various diseases. These diseases can be by the force of genes, environment, lifestyle, or a combination of all. All these diseases can contribute significantly towards the downfall of health. In the long run, it can lead to serious health issues.

One of these diseases is gangrene. This disease occurs when the tissues in the body die due to loss of blood supply by illness, injury, infection, or other health problems. Usually, the area of impact for this disease lies in the toes, foot, fingers, or limbs. When the condition is extreme, gangrene can also be present in muscles or organs. Different types of gangrene exist, and all of them need medical attention immediately.

Such diseases are highly prevalent in the world. You should protect yourself and your family members against these health adversities, especially look after your parents. To ensure safety, you can invest in the best health insurance in India for parents.

What are the symptoms of gangrene?

Here are the symptoms that you should look for in terms of gangrene.

● Severe pain

● Shriveled or dry skin

● Numb skin

● Inflammation

● Shiny or hairless skin

● Presence of blisters

● Fatigue

● Fever

● Discharge from the affected area

● Red, brown, or purple skin

What are the risk factors of gangrene?

The risk factors are:

● Presence of a weak immune system

● Diabetes

● Smoking

● Severe injury

● Artery disease

● Frostbite

● Obesity

How is gangrene diagnosed?

Once your symptoms are in the open, you must seek medical assistance immediately. Your doctor will ask you about all the possible symptoms and suggest a few diagnostic tests to confirm the disease. These are:

1. Imaging tests:
Imaging tests such as CT scans and MRIs are a great way of determining the spread of gangrene in your body. It also helps to know about possible gas build-up in the tissues.

2. Blood tests:
Blood tests are simple yet effective ways to diagnose gangrene. It helps to know the abnormalities in the blood and in looking at signs of possible infections. It is also based on the presence of WBCs or RBCs in the blood.

3. Cultures:
This is yet another way to diagnose the disease. A part of your tissue, blood, or fluid is taken as a sample. It is then viewed under the microscope to determine tissue damage.

4. Surgery:
It is an elaborate procedure that will help you determine the spread of gangrene in the body. It is suitable for the internal spread of the disease.

What are the ways to treat gangrene?

Every treatment for gangrene focuses on preventing infection spread, removing dead tissue, and total recovery. The ways and means to treat gangrene are:

1. Antibiotics:
Antibiotics are effective in preventing the spread of infection in the body. It can be taken orally or injected into the body through a needle.

2. Surgery:
Through surgery, the dead or infected part of the tissue is removed from the body permanently. It helps prevent the infection's spread to other parts of the body.

3. Oxygen therapy:
This method puts you in a special chamber with oxygen at a higher pressure than usual. It contributes to tissue healing and prevents bacteria growth.

These are the possible ways to treat gangrene successfully after you have been diagnosed with it. People with diabetes, especially the population above 40 years, are at a higher risk of gangrene and need to take extra care by regularly checking their blood sugar level and ensuring that it is controlled. Proper diet, enough sleep, less sugar intake, daily walking, and little physical exercise are needed to keep such diseases at bay.

Regardless, it would help if you always had your health insurance in emergencies. It would help if you buy the best health insurance in India for parents and secure their health with the right coverage for their age.

Click HERE to buy the best 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.

A healthy body caters to a healthy mind, resulting in higher efficiency and productivity at work. Therefore, it is in the best interests of any organisation to motivate its employees to stay fit and healthy. It will promote positivity in the workplace. Moreover, when the leader makes efforts for the health and well-being of the employees, it inspires the team to work harder and stay united as one family.

Here are some ways in which you can inspire your team to lead a healthy lifestyle.

1. Schedule a periodic doctor visit at the office:
The best way to motivate your employees to lead a healthy lifestyle is by scheduling periodic visits to a certified doctor or organising a health camp in the office. A doctor is best to guide every employee according to their individual needs. He can counsel them regarding general health and wellness issues. Moreover, he can prepare a diet chart for them, which is very helpful in promoting a healthy lifestyle and bringing mindfulness to their working routine.

2. Promote healthy eating habits:
Encourage employees to bring healthy meals to the office and avoid junk food daily. Get a couple of microwaves installed in your office so that they are motivated to bring food from home and warm it up in the office.
Give them short breaks between long working hours so they can relax, grab a small bite, have tea or coffee, and come back fresh at their desks or workstations. Encourage your team members to consume healthy food items like fresh juices, soups, salads, and multi-grain cereals. Make arrangements for fresh juice vendors in your office so that employees have a healthy choice of drinks as well.

3. Promote gyms and workouts:
If your office can afford to open a small gym for your employees in the office premises, there is nothing better. You can influence your team to compulsorily work out at the gym at least 3-4 days a week. You can organise small interesting competitions for them at the gym, motivating them to participate.
If a gym at the office is not possible, tie up with some gyms that will provide special discounts with membership to your employees. This will make your team valued, and you will pave the way for their healthy lifestyle.

4. Discourage smoking and drinking in the premises:
Smoking and drinking alcohol frequently and beyond limits can be the worst enemy of your and your employee’s health. Discourage your team from taking alcohol. Guide them about how it can negatively impact their well-being. Do the same for smoking. Encourage them to quit if someone is in the habit of smoking.

5. Destress workshops:
Keep chit-chatting with them at the workplace so that they are comfortable enough to share their problems at work with you or your HR department. Relieving them from stress can be great for their health.
You can encourage them to listen to music for some time or listen to a podcast. If not, you can at least arrange short mind-relaxing activities in the cafeteria and other common areas. These can be good stress relievers and keep your employees cheerful.

6. Health insurance:
Get health insurance compulsorily for all your employees. Ask the insurance provider to offer rebates and discounts if an employee wants to increase his cover. An insurance cover provides your employees with security in case they or their family members meet with some health emergency.
Also, they feel emotionally safe and are dedicated to their employer for care and health insurance coverage provided to them. This can result in higher productivity and efficiency of employees, resulting in higher profits for the business.

Employees are the lifelines of any organisation, and as a good leader, you need to guide them to excel in their professionalism and develop a good work-life balance. Hence, you need to take care of them and their health. Along with promoting a healthy lifestyle, educate your employees about the importance of a good health insurance policy that provides them with the required financial assistance in case of any mishap.

Click HERE to buy health insurance for your loved ones.

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.

A motor insurance policy is a must as it provides you with a safety net in case your vehicle meets with an accident, gets damaged by unforeseen events such as floods and earthquakes, or is stolen. It's a way of showering your concern for your valuable asset and investing in its longevity.

Also, it is mandatorily required by the law to have all the essential documents such as a valid Driving License, Car Insurance Certificate, Registration Certificate, and Pollution Under Control Certificate before you drive your vehicle on Indian roads. So, now that we understand the importance of motor insurance India, how can we add more value to it? Let us have a look at some of the factors that can help us do the same.

1. Insured Declared Value (IDV):
Most of us get lured by the policy with the lowest premium amount and opt for it blindly. We usually fail to check our policy's Insured Declared Value (IDV). The IDV is the sum for which the insurance company is insuring our vehicle, and it puts a cap on the insurance company's liability to reimburse us in case of total damage or theft. The lower the IDV used by the insurance company or the agent, the lower will be the premium amount.
Never go for a low IDV of your vehicle just to pay a lesser premium amount. Always ensure that the IDV in the policy reflects the fair value of your vehicle. This will ensure you get an appropriate reimbursement in the unfortunate incident of theft or complete damage to your vehicle.

2. Emergency Assistance Cover:
You can opt for this cover if you don't want to get stranded in case of a breakdown. Such cover will help you to get assistance such as refueling, towing, flat tyre change, or repair of any mechanical failure by the insurer in the city and even on highways within a specified time.

3. Engine Protection Cover:
This cover will add value to your motor insurance India policy in case you reside in areas that are prone to heavy waterlogging and flooding. It will cover damage or failure of your vehicle's engine due to water ingression or oil spill. However, insurance companies usually provide this cover only to vehicles not older than five years.

4. Zero Depreciation Cover:
This add-on cover is highly recommended for high-end vehicles or vehicles with expensive spares. It excludes the depreciation part from the coverage amount. Thus, you get full coverage and can claim the full cost of the vehicle parts that have been damaged in an accident. Without this cover, you will get reimbursed only for the depreciated value of your vehicle parts.
Your motor insurance premium will go up by 15%-20% with this cover. But it can help you save a lot of money if your vehicle meets an accident and gets damaged. Insurance companies usually provide this cover only up to the first five years of a vehicle, and only a few provide it after that in lieu of a higher premium.

5. No Claim Bonus (NCB):
Insurance companies provide a No-Claim Bonus or NCB for the year you do not make any claim on your motor insurance India policy. This is initially 20% in the first year and increases to 50% in the subsequent years if you do not make a claim.
You can also avail the benefit of NCB in your new policy if you have accumulated it in your previous motor insurance policy. This may happen if you sell your car or change your insurance service provider. Therefore, do not raise a claim with the insurance company if the damage is minimal or the repair amount is lesser than the NCB you will earn on your policy.

6. Personal Belonging Cover:
What will you do if your expensive gadgets, such as a laptop, smartphone, or tablet, get damaged when you meet with an accident in your vehicle? Go for a "Personal Belonging Cover," and you can get your personal belongings covered under your motor insurance policy.

Your motor insurance policy can give you standard protection against accidents, damages, or theft. However, if you are wise enough, go for add-ons in your policy like those mentioned above and enjoy complete protection from any damage that may arise in the future. Be secure, be wise, and choose the motor insurance India policy that provides you with the best overall package at the lowest premium amount.

Click HERE to buy a reliable motor insurance India policy to safeguard your vehicle.

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.