GENERAL INSURANCE BLOG

The feeling of riding a motorcycle in the morning is otherworldly. But it's not only the early morning atmosphere that gives this ethereal feeling to the rider. It's also the smooth functioning of the engine and the swift and excellent acceleration of the motorbike in the morning. Many people experience this but do not pay much heed to why this happens.

This blog aims to make this phenomenon more understandable for curious bike fanatics.

1. Reduced friction:

The smooth ride that the engine provides in the morning and the minimum noise directly result from the engine's internal temperature. However, other parts of the engine maintain their temperature even when kept at rest throughout the night. Due to the thermal expansion of metals, there needs to be a proper gap between various working parts of the engine.
For example, to permit the expansion of the piston, there is a gap within the block of the engine. There is less friction, resulting in less noise in the morning due to this gap between the piston and the cylinder wall in the morning. This occurrence applies to almost every moving part of the engine.

2. Viscosity:

Another reason the engine feels smooth in the morning is the oil's viscosity. Viscosity is inversely proportional to temperature. In the early morning, the engine oil is cold, making it denser in volume. This higher viscosity accounts for maximum lubrication in the engine, which results in the smooth running of the bike.

3. Fuel management systems:

As far as better crisp acceleration in the morning is concerned, the fuel management system of the bike is the most responsible. The bike's fueling is divided into two- either fuel and air can be mixed proportionally by a carburettor, or the fuel is atomised at high pressure, mixed with clean air, eventually entering the engine's combustion chamber.
Carburettors give you a crisper throttle response due to the richer mixture between fuel and air. But nowadays, these are slowly being phased out due to the increasing pollution by carburettors.

So, do you really need to warm the bike up before starting it? This is another question that greatly puzzles bike enthusiasts.

There's no real need to warm up an engine for more than a minute before starting it. For a long time, all bikes used a carburettor for combustion. This type of engine tends to run poorly until appropriately warmed.

So, there is still a misconception that you must let the engine warm up before you start riding it. But it would be best if you were careful about hammering the throttle before the engine has gotten all nice and warm.

Riding a motorcycle gently for the first few miles is a good idea because putting the engine under extreme pressure while still cold increases the chances of damage and breakdown.

This damage is dangerous and can result in the maintenance fees burning a hole in your pocket. The best solution to counter this is investing in a good bike insurance that pays great dividends.

Click HERE to know more about bike insurance plans.

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

Taking care of one’s body is often neglected. We overlook the hints, wait for the symptoms to worsen, and only take action when the situation gets out of control. Being negligent of one’s health can have various long-term complications and cause the condition to become untreatable.

A routine lifestyle, ample exercise, and regular health checkups are mandatory to ensure good health. One thing to remember is that your body gives you constant signs about its health in the form of frequent pains, dizziness, lethargy, etc.

Understanding the severity and taking immediate action can help you ensure better health. As mentioned above, pain is an indicator of various problems in your body, and while most of them can be soothed by home remedies, it is best to pursue professional help if the pain persists.

Today we will look at a few indicators that signal your next chiropractor visit.

1. Headaches:
The tension in the neck muscles and inflammation of the joints can cause severely painful headaches. A chiropractor can reduce the tension by manipulating your spine and significantly reducing headaches.

2. Joint pain:
If you are someone who suffers from constant pains in the joints and muscles, it is not advisable to take over-the-counter medications. Severe joint pains can arise due to problems in musculoskeletal alignment. A chiropractor’s work ensures optimal body functioning and relieves joints and muscles from unnecessary pain and discomfort.

3. Backache:
Many people experience severe back pain due to various factors such as poor ergonomics, working habits, body postures, and continuously sitting at a desk. A chiropractor can help you fix these problems without using medicines or expensive surgeries.

4. Limited movement:
Reduced flexibility leading to restricting movement requires a visit to a chiropractor. Realigning the bones and joints and relieving knots and tension areas can increase the body’s range to work at optimal potential.

5. Shooting pains:
Having sharp and shooting sensations, feeling tingles and weakness can signify pinched nerves or slip discs. A chiropractor is trained to diagnose the exact cause of this pain and perform a spinal adjustment to remove any unwanted pressure on the nerve to reduce the pain.

6. Lifestyle:
People who are often subjected to excessive strain and pressure in sports and gymming can be at greater risk of injuries. Prolonged activities can lead to pinched nerves, slip discs etc. Consult your chiropractor regularly to ensure correct postural alignment and fix other issues related to the same.

7. Injury:
Any recent injury can cause pain, numbness, tingling, and misalignment. You should visit the chiropractor only after your wounds and other injuries have healed.

Consider the above comprehensive list of all things if you are thinking of visiting your chiropractor. Remember that you should not wait for the pain to worsen and affect your daily activities. If it persists, see your chiropractor immediately. If you are a desk worker or someone who indulges in rigorous physical activity such as dancing, sports etc., fixing an appointment with a chiropractor will ensure good postural alignment and reduced tension in your muscles.

Older people are susceptible to joint and muscular pains, so regular checkups and visits to the chiropractor can help. Consider investing in health insurance options for your parents. Doing some research online can help you find the best health insurance in India for your parents. So, you can rest assured about yourself and your parents’ health.

Click HERE to know more about 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.

Menstrual hygiene has been a hot topic amongst people for the last few years. Earlier it was behind closed doors, but today it’s out in the open. Women have come a long way from using leaves to clothes to pads to tampons. With the times changing constantly, people have discovered newer, cheaper and more environment-friendly alternatives. The latest in the market is a menstrual cup.

What is a menstrual cup?

A menstrual cup is an instrument woman can use during her menstrual cycles to avoid leakage and staining. After insertion, this device collects the menstrual fluid inside the vagina. Menstrual cups are typically made of flexible medical-grade silicone or latex.

Why is it a competent alternative to pads and tampons?

● Sanitary pads are made out of plastics that can cause irritation, pad rashes and chaffing. Sometimes, additional chemicals and fragrances are added to these pads, which can cause allergic reactions in women.

● If the pads are worn for long hours, it can cause bacterial infections. Changing the pad every three to four hours can be a cumbersome task for a woman who is always on the go. Limited access to public toilets makes the process all the more challenging.

● Pads tend to dislocate easily from their position, so undertaking active sports or other activities can be challenging as there is always a chance of leakage and staining.

● Tampons are invasive menstrual hygiene devices made out of cotton. This means that the tampons can sometimes leave fibres or other materials inside the body leading to health complications.

● With tampons, there is a great risk of toxic shock syndrome, which can sometimes be fatal.

● Depending on the brand, a tampon or pad can cost between 10 to 15 rupees. A woman spends about four hundred rupees a month on menstrual hygiene. This accounts for around five thousand rupees a year, which is costly.

A menstrual cup is a solution to all the problems mentioned above. The menstrual cup is a reusable device that can last up to 10 years and cost anywhere between two hundred and six hundred rupees. Since it is made of medical-grade material, there is no apprehension regarding its insertion into the human body. A menstrual cup can be worn for about 12 hours and can be reused after a single wash for the same cycle. Since it is made out of silicone, it can absorb any bacteria and not cause an imbalance in the ph balance.

How is it helping the environment?

A significant part of the sanitary napkin is made of plastics that can take up to eight hundred years to decompose. And even after that, they break into microplastics which pollute soil, water and air. Many women burn the menstrual pads after use, releasing highly toxic fumes into the environment. In India, about one lakh tonnes of menstrual waste is produced yearly. Switching the menstrual cups can bring about a considerable change for the environment.

Bringing this change can bring about a significant difference to your menstrual hygiene routine. It is cost-effective, environment friendly and most importantly, the most fuss-free tool. Starting with a menstrual cup can be a little tricky and intimidating, but there are several instructional videos on the internet to make this process easier for you.

Menstrual hygiene should never be compromised and should be taken seriously. Regular visits to your gynaecologist can help you better understand your body and its needs. Before taking a trip to your doctor, do not forget to renew your health insurance. Updating your insurance has become as easy as just a few clicks. You can renew health insurance online and save time and even get additional benefits.

Click HERE to renew health 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.

Purchasing a four-wheeler is a huge deal for most of the families in India even today. Determining the budget, brand, model, etc., takes a lot of research. It requires a lot of time to finalise a vehicle that suits your needs. Arranging the funds and loans can also be a tedious process.

But how do you decide on so many options? This blog is your guide to choosing a perfect vehicle according to your family’s needs.

1. Figure out your needs:
It is always good to start with setting your priorities. Discuss the type of car you need with your family. Do you need a statement car for occasional drives or long-distance travel? Jot down the factors in order.

2. Think about other factors that come with owning a car:
Purchasing a car is just the first step towards owning a vehicle. You need to consider the costs of servicing, repairing, maintenance, car insurance, renewal, loans, etc., before buying a four-wheeler.

3. Fix your budget:
Figuring out your budget probably takes precedence over any other factor while purchasing a vehicle. Your budget comprises all the charges apart from the cost of the car. This includes service charges, maintenance costs, insurance, etc. You also need to understand the various types of applicable taxes, for example, road tax. Determine the overall cost before going ahead with your final choice.

4. Determine the features:
All cars have different models and versions that come with various features. But, understand that with these features, the prices also increase. You need to check the ideal features of the car for you and your family.

5. Fuel efficiency:
With the rising petrol and diesel prices, purchasing a car and maintaining it has become a costly business. And the soaring fuel prices influence purchasing decisions. So, a fuel-efficient vehicle would definitely do justice to your needs.

6. Space is important:
You would want your car to be spacious. A bigger vehicle allows you to ride comfortably during long-distance travel or holiday trips. It also gives you the freedom to carry your belongings without congestion. Make a purchase depending on your family’s convenience and requirements.

7. Safety has to be a priority:
Along with the cost of the vehicle, safety should also be your top priority. The car you purchase must have advanced safety features to protect the driver and the passengers during accidents. Ensure to discuss and understand the safety features with the car dealer before finalising your option.

Other factors to consider while choosing your four-wheeler are the way you drive, the requirement of parking space, whether you would want to lease or buy, automatic or manual, cruise control, resale value, comfort during the test drive, etc. Ensure that you are satisfied with the performance before making the payment.

The above tips help you to choose the perfect vehicle for your family. It is essential to get your car insured to protect it against any damages caused by unprecedented circumstances. Explore your options and purchase the best car insurance in India that will cater to your needs in the best way possible.

Click HERE to know more about the 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.

Ever been embarrassed to bring someone to your car? A sock here, a pen there, it's infuriating not to have enough space to organise things in your vehicle the way you want them. Often, people turn to dump stuff on the seats, which looks highly unattractive. The revolutionary solution is to install console organisers.

This blog gives you a few different ideas so you can choose how to enhance the neatness of your car.

1. Full centre console:

The full centre console is a complete replacement of the console given with the car. It replaces your factory console, either due to damages to it or to have more storage in your vehicle.

2. Drop-in centre console:

Instead of replacing the entire console, this drop-in console lets you drop things into your existing console. It generally requires minimum installation. One unique advantage this console provides is that you can pull it and take your items with you on the go.

3. Double storage centre console:

If you have too many bulky items to store, a double storage centre console might be the way to go. This provides you with an upper storage compartment and a secondary dashboard.

4. Contractor centre console organiser:

Excellent addition for a rejuvenating road trip, this console is made for people who spend significant portions of their lives on the road. These organisers have all the essential compartments you need for a busy workday as a contractor and are most compatible with trucks. These provide two cup holders and offer an armrest that can multitask as a clipboard-holder.

Some great additions that you can install in your car.

Back seat organiser:

When you have kids travelling in the car, the back seat pockets more or less function as dumpsters. Back seat organisers help keep things tidy and you sane during long drives with kids. With pockets for juices, notebooks, pens, water bottles, games, and so much more, they are an essential need for every car.

Hand sanitiser pump for cup holders:

With COVID 19 and other diseases looming over us like a dark cloud, hand sanitisers have become necessary. Instead of forgetting a hand sanitiser and being frustrated over it daily, try this gadget which fits snugly into the car's cup holder and helps protect you from germs.

Car vacuum:

Keeping your car immaculately clean can significantly improve your driving mood and serve as a badge of honour when someone else enters your car. Bring an easily portable car vacuum with strong suction power to keep your car uncluttered.

First aid kit:

If travelling with children, the elderly, or alone, keeping a first aid kit is always a good idea. Keep an emergency kit stocked with essential medicines for common problems, band-aids, ORS, and pills for motion sickness. Also, have a box of wet tissues in case someone vomits.

Silicone baking cups:

Put these adorable cups in your cup holders to catch all future crumbs, it just needs to be removed and rinsed, and you'll never have to worry about cleaning the cup holder.

Choosing the right console organiser can be a daunting task for a new car owner, but there are a few key points to remember. First, check if your desired console organiser fits the make and model of your car. Also, know what function the organiser will have in your car. If you need something with a lot of storage space, go for the dual-level console, but if you want many compartments to hold your things, get a drop-in console.

These organisers may seem all fun and games until you understand their actual functionality. A clean and organised interior helps you maintain a decluttered mind, leading to better driving and fewer accidents. While talking about convenience, it is also paramount to consider safety. Search for car insurance online in India to ensure your vehicle is safeguarded against any mishaps. Happy driving!

Click HERE to know more about car 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.

What is your job as a co-passenger in a vehicle? It is to retain a responsibility to safeguard yourself. While a co-passenger is not expected or required to anticipate every action made by the driver, they must be attentive to their environment. A co-passenger must not wholly rely on the driver for their safety and should remain alert for harmful situations. Long trips are exhausting and can be frustrating, and good company plays a vital role in making the journey not just bearable but exciting.

However, neither the driver nor a passenger can predict unfortunate events that may come their way. Hence, the most prominent role for anyone travelling is to be sensible and ensure that the vehicle carries all the necessary papers, including a fitness certificate, RC and car insurance.

Now, let's look at the following tips on being a good co-passenger throughout your journey.

1. A good entertainer:
Engaging the driver in a dialogue is the most efficient approach to keep them alert. This reduces the chances of them falling asleep behind the wheel while fostering a closer bond between the driver and passenger. You may play music or read amusing tweets and posts to lift their spirits, but remember not to be too loud. You should also leave them in isolation at times to let them focus on the road.

2. Be a navigator:
Choosing a restaurant or hotel for the night may require more study regarding pricing and accessibility. As a result, a competent passenger will find these locations and lead the driver with the appropriate route.
Earlier, drivers required one more person to read the massive printed maps and guide them. These days, we can just enter an address and let our smartphones handle the rest. But, the assistance of a good co-passenger helps in hunting the best route and accommodation to stay at.

3. Co-driver:
Sharing driving duties, particularly on long trips, make travel less stressful. It also reduces the possibility of the driver falling asleep behind the wheel due to boredom or tiredness. So avoid drinking alcohol or doing anything that can impair your judgment while driving if the driver needs you to take over.

4. Specialist in interaction:
As previously mentioned, distracted driving causes a considerable number of accidents. Texting or calling while driving is the worst of all distractions. Hence, a good passenger may be required to read important messages to the driver and write back. Also, try to keep the conversation going so that neither of you gets bored.

5. Serving:
There are various additional activities that can distract drivers on the road. Take away at least one of them by providing food and drinks to the driver as needed. When they've finished, be sure to put everything away as well.

Most of us like visiting new places, but few enjoy the prolonged travel time required to get there. However, if you play any or all of these roles to make things easier for the driver, you may be able to transform a dull journey into a trip to remember.

Another thing we should all remember is not to drive or get into a vehicle without car insurance. Safety is paramount, and you should never overlook it. Having ideal car insurance offers several benefits to protect your finances against various eventualities.

Click HERE to get car insurance for your valuable asset.

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.

Do you ever feel like your eyes are burning, have redness, sting, or blurred vision, especially when reading? You might have dry eye syndrome.

A healthy tear film for the human eye is extremely important to retain good vision. People with dry eyes are unable to maintain a healthy coating of tears. This medical condition can hinder your day-to-day activities if not addressed in time. Here, you can learn about dry eyes, including symptoms, causes, prevention, and more.

What is dry eye syndrome?

Human eyes require a tear film to coat them, as it keeps the eye's surface clear and smooth and maintains good vision. When the eyes hardly produce tears, they are more likely to develop dry eyes. People suffering from dry eye syndrome cannot maintain a normal layer of tears to coat their eyes. This syndrome can also cause bacterial infections and a scar on the cornea.

Symptoms of dry eyes syndrome.

The most common symptoms of dry eye syndrome include pain, redness, and burning in the eyes. However, some people may experience other symptoms such as blurry vision, water tearing, eyes getting tired more quickly than usual, stringy mucus, and the feeling of having sand in their eyes. People with this syndrome often have difficulty sitting at a computer or reading a book for a long period.

Learning the signs of dry eye syndrome allows you to check whether you or someone around you has this medical condition. Get medical treatment if you find any symptoms of dry eyes syndrome.

What causes dry eyes syndrome?

Anyone, regardless of gender and race, can develop dry eye syndrome. However, older people are more prone to this eye condition. Also, women who have gone through menopause are at higher risk for this condition. Other causes include:

● Using contact lenses for a long time

● Being in the wind

● Breathing smoke

● Being in a very dry environment

Some medical conditions include rheumatoid arthritis and thyroid disease can also cause dry eye. You may also develop dry eye syndrome if you take sleeping pills, cold medicines, diuretics, heartburn medicines, antidepressants, or beta-blockers. Get your eye tested to avoid dry eye syndrome. It would also help you renew your health insurance online and enjoy no-claim benefits.

How to prevent dry eye syndrome?

You can prevent this eye condition by following these tips:

● Stay away from warm or dry rooms. If you use a heater or radiator in winter, ensure the required moisture in the room

● Avoid using hair dryers as much as possible

● Use artificial tear ointment before bed if you have dry, scratchy eyes in the morning

● Wear glasses to protect your eyes from the drying wind

● Consult your eye doctor about adding omega-3 fatty acids from foods like seafood to your diet

● Renew health insurance online to save money on doctor consultations and eye treatment expenses

What are the treatments available for dry eye syndrome?

Generally, people visit an ophthalmologist to diagnose their eyes for dry eye syndrome. They conduct various tests and provide different treatments. Some treatments include lacrimal plugs, artificial tears, medication, LipiFlow, surgery, and home care.

Dry eyes don't cause permanent vision loss. However, you should see a doctor if you suspect you are developing dry eyes, which can impair your vision. Follow prevention tips to reduce the risk of dry eyes. Make it a habit to wash your eyes regularly and indulge in quick exercise sessions to offer relief to the eyes. Renew your health insurance online to cover the expense of your other medical bills.

Click HERE to buy new 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.

We've all been chased by honey bees at some point, or even worse, been stung by them. This situation can be severe and traumatic if not treated immediately. A honey bee sting causes a painful, swollen bump. While the pain can subside in a couple of days with the proper medication, there are a couple of home remedies that can provide immediate relief by reducing pain in the infected area.

Although honey bee bites can cause severe reactions in the body and be a huge risk for people with allergies, natural treatments are helpful to a great extent in mild cases.

In this blog, we will discuss methods that can help reduce the effects of honey bee stings. Without further ado, let's see how you can treat honey bee bites at home with these natural treatments!

1. Ice water should be the immediate reflex:
After getting stung, the first thing you are supposed to do is remove the stinger from the bitten area. Apply ice water immediately (for almost 20 minutes) to help treat the burning sensation and avoid excessive inflammation. Take an edgy object (for example, a card) and try to ooze the sting. Avoid scratching the area as it can cause the sting to spread and increase the swelling.

2. Essential oils are also a solution:
Lavender oils are potent neutralisers and one of the best remedies against the bee sting. It has proven anti-inflammatory properties and helps in reducing swelling. Applying a dab or two of lavender oil is sufficient to relieve the sting. You can also choose to mix the lavender essential oil with coconut oil. Apply an antibiotic cream at the end for improved and faster healing.

3. Say yes to honey:
Honey is proven to have several medicinal properties. Thanks to the compounds that can reduce inflammation and lessen swelling. It also helps avoid the risk of infection and fastens the healing due to its antibacterial properties. Ensure that the person stung by the bee is not allergic to honey, as the usage can unnecessarily worsen the situation.

4. Use aloe vera gel:
We are all aware of the numerous purpose aloe vera gel serves. It is excellent for your skin and hair and also helpful for gut issues. But in this case, this plant-based gel has antibacterial and anti-inflammatory abilities that effectively calm the burning area and bring down the inflammation.

5. Toothpaste as a remedy:
Besides brushing, toothpaste is an active remedy for bee bites. We all know the acid-base neutralisation process. The bee sting is acidic, and toothpaste (basic) can help neutralise the burning sensation of the sting. You can also use baking soda by mixing it with water and applying it to the sting site. But if you see any reverse reaction signs or any discomfort, make sure to rinse it off immediately.

Other ways to treat honey bee stings at home include apple cider vinegar, garlic juice, raw onion, raw potato, etc. Now that we have discussed how you can treat honey bee bites at home, we should also keep in mind the unfortunate circumstances one might face regarding their health. Irregularities in diet, poor eating habits, sleeping schedules, and lack of exercise significantly impact health quality and invite diseases.

It is essential to have active health insurance to include a safety net for all health-related problems. Keep the policy up-to-date and always ensure to renew it. You can easily purchase a policy or renew health insurance online to avoid the hassle and continue enjoying the benefits without any interruptions.

Click HERE to know more about how you can renew health 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.

In 2023, one must gather basic information before getting a two wheeler insurance plan. Various two wheeler insurance options are now available from numerous insurance firms. But they aren't all the same, so you should compare them carefully before spending your hard-earned money on insurance. Selecting the best two wheeler insurance plan offers financial protection from potential losses.

Which two-wheeler insurance policies are offered in India?

For owners of two-wheelers, insurance companies provide third-party and comprehensive insurance coverage. You should carefully consider the distinction between them. It will help buyers choose the right plan that best meets their needs.

In 2023, there are five things to think about when purchasing a two-wheeler insurance policy.

1. The necessity for coverage:
Before buying a two-wheeler insurance policy, it is crucial to understand the coverage requirements. With the right coverage, people who own two-wheelers can get the best protection against third-party liability and other losses.

2. Knowing the Insurance Declared Value (IDV):
You should be aware of the market value of a vehicle at the time of the insurance declaration (IDV). Customers should evaluate the same and not overestimate or underestimate it because it will affect an insurance plan's premium.

3. Examining add-ons to the insurance policy:
Additional features that serve to improve protection are referred to as "add-ons." One should consider these things to get the most out of a two-wheeler insurance policy.

4. Selecting an established insurer:
Choose a reputable insurer to buy the two-wheeler insurance policy, the best customer and service experience. It is because not all insurers are the same, and reputable insurance companies have higher claim settlement ratios.

5. Renewables:
When purchasing two-wheeler insurance coverage from an insurer, you should consider renewability. It's undoubtedly helpful to have a simple and efficient renewal procedure. The best way to get a two-wheeler insurance policy is online.

The following procedures should be followed by anyone looking to purchase a two-wheeler insurance plan online.

1. Talking to other people:
When purchasing a 2 wheeler insurance policy, you should speak with peers. It will help determine if you need a third-party or full-coverage insurance plan and decide whether a plan would work for you.

2. Looking at online reviews:
Customers should study online reviews before purchasing a 2 wheeler insurance policy. You should examine the reviews of many plans before choosing the one that best fits your needs and budget, rather than just looking for the cheapest 2 wheeler insurance option with no accurate benefits.

3. Analysing the terms and conditions:
Two-wheeler owners should carefully read legal documents to avoid disputes and other problems after buying the policies.

4. Having a conversation with a company representative:
Owners of two-wheelers should speak with a company representative to get more information before choosing the least expensive 2 wheeler insurance in India. Concentrating more on one's goals allows one to understand the best plans that give protection against potential threats.

5. Buying online insurance:
Buying 2 wheeler insurance online is more structured and easy to operate. It allows you cheaper premium options and makes online payments instant and convenient. The entire online process is fast and hassle-free for the users.

A 2 wheeler insurance plan purchase entails several steps to get the right advice. Many insurance providers offer free quotations when customers wish to buy a 2 wheeler insurance plan. A plan with an expected cost is helpful when choosing one.

With the help of experienced staff and individual research, customers can easily buy 2 wheeler insurance online and get better protection against risk. Customisations are also an added advantage that allows insurers to bring down the cost of the policy they wish to buy.

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

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

India has long been recognised for its illustrious past and imperial way of life. Its royal palaces were formerly the official residences of royal families but have since been turned into luxury historical hotels with old-world elegance and modern comforts.

Plenty of great palace hotels, particularly in the state of Rajasthan, are now open to visitors. You can visit these exquisite heritage hotels for your extended weekend plans and summer vacations. All of the listed hotels provide splendid service and a more personal experience.

Here are the four Indian palaces turned into hotels where you may indulge the maharaja inside you.

1. Taj Lake Palace, Udaipur:
The Taj Lake Palace in Udaipur is a historic hotel with magnificent rooms and many grand suites. Its location on an island in the middle of the lake Pichola provides exceptional sights of the nearby Aravalli hills, City Palace and Jag Mandir from each room.
The breathtaking setting is ideal for the delicious cuisine served at Taj Lake Palace's fine restaurants, solely available to resident guests. Udaipur, dubbed as the Venice of the East, has a great deal to offer with its spectacular palaces, serene lakes, fascinating temples, and beautiful gardens.

2. The Lalit Grand Palace, Srinagar:
The hotel was designed and constructed by Maharaja Pratap Singh during the 1900s. It has witnessed significant events in India's history and proudly continues the royal lineage with elegance.
It maintains well-equipped luxury suites, including cottages with spectacular design, an ample dining space, and a retail arcade. This beautiful palace is surrounded by the Himalayan peaks and overlooks the gorgeous Dal Lake.

3. Umaid Bhawan Palace, Jodhpur:
This piece of art built between the 1920s and 1940s is part of Rajasthan's legacy and a symbol of contemporary Jodhpur. The palace, formerly home to the royal family of Jodhpur, is now the world's 6th biggest private property.
One common feature that this property shares with Agra's Taj Mahal is the palm court marble used in its design. The palace is situated on Jodhpur's highest point, the Chittar Hills. Get impressed with unique views of the old Blue City, vast dunes, and the magnificent Mehrangarh Fort as you stay here.

4. Rambagh Palace, Jaipur:
Rambagh Palace, established in 1835, was home to Sawai Man Singh II. This jewel of a hotel has magnificently refurbished big luxury rooms and suites that were the erstwhile Maharaja's bedrooms once upon a time.
The palace has been lavishly embellished with hand-carved marble and beautiful Mughal Gardens. Immerse yourself into the finest of Rajasthan's royal history within this splendid palace.

Heritage hotels in India provide a royal treatment to the inner maharaja inside you. They are as stunning, if not more so, than any of Europe's colossal castles or impressive palaces. These remarkable palaces ensure a great and unique holiday to be remembered for years to come. As you plan your visit to these genuinely magical places, make sure you add general insurance to your checklist. Get the best plans for yourself from the most trusted general insurance company and make your travel plans safe and stress-free this summer.

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.

The volatility of employment and predicting an incoming global economic recession are challenging. These make the consumers to save for tomorrow rather than spend on luxuries and comforts today. While motorcycles are cheaper than cars, they are by no means easy to afford with rising inflation, fuel costs, and other allied servicing costs.

This often leaves a majority of potential buyers to consider a second-hand motorcycle. While many have concerns about buying used motorcycles, by doing due diligence, inspecting the vehicle's mechanical condition, and purchasing two-wheeler insurance India, you can get your hands on a beneficial asset that can provide you with value for years to come!

Here is a checklist of bike parts and inspections to run through before purchasing a used motorcycle.

1. Engine:
The engine is the heart of any vehicle. To check the engine's condition, request the seller not to run the bike. A cold start is the best way to gauge the engine's usage and wear and tear. Look out for smoke from the exhaust pipe or any sputtering noises. Oil leaks are another sign to keep a watch for.

2. Drive chain and sprocket:
While these components may seem highly technical, they are readily identifiable parts in all two-wheelers. Simply put, it refers to the bike chain and the chain wheel, which facilitate gear engagement, acceleration, and power transmission.
Ideally, the chain should only have a slack of three-fourths of an inch to function appropriately and should not shift off the wheel when prodded. If the wheel displays signs of corrosion or wear and tear, it indicates a poorly-maintained bike. Ensure you list your dissatisfactions and factor them in when negotiating a fair price with the seller.

3. Tyres:
Well-maintained tyres are essential for a safe riding experience. Put the motorcycle on its centre stand and check its tread depths. Ensure that they are not too deep, which results in poor gripping and an excess risk of accidents. Cracks along the inner side or rubber toughening are signs of weathered tyres.
Also, check the wheel alignment by spinning the rear wheel. Any wobbling or creaking are indicators of weathered wheel bearings which require replacement. Ensure you check the tyres thoroughly to estimate the cost of repairs and acquisition of the used motorcycle.

4. Visible frame:
The motorcycle's frame can be challenging to inspect depending on the effort spent to spot the issues. Scratches and dents may be the signs of accidents that inevitably affect the overall functionality of the bike's components.
In case you purchase such bikes, even after buying two wheeler insurance India, you may not be able to claim the insurance amount due to the vehicle's poor condition before the accident.

5. Under-seat storage:
An often overlooked part, the under-seat storage locking mechanism, must be checked when purchasing the vehicle. Feel around the space underneath the seat to ensure that it is steady to fit your belongings.

6. Odometer:
Contrary to popular belief, it is easy to replace an odometer. Sellers of old vehicles can tamper with the odometer and try to sell off an old bike as a relatively new one. After inspecting the motorcycle as per the above checklist, check the odometer reading. Ensure that it is aligned with the condition of the vehicle.

While this is not a comprehensive list, it covers the essential things to check before purchasing a used motorcycle to protect yourself from misrepresentation and unfavourable deals. Additionally, since used bikes have a relatively unsafe perception, we recommend buying 2 wheeler insurance online to protect yourself from the risk of financial losses due to accidents.

Click HERE to buy a robust 2 wheeler insurance online 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.

Much like oil, the coolant in your car is a special fluid that can't be overlooked. Although, in comparison to oil, the coolant needs less attention. Car owners often tend to neglect it, which can severely damage the vehicle and potentially be life-threatening.

This post will give you a clear idea about what will happen if you drive with low or no coolant.

What is coolant?
Coolant is a combination of water and antifreeze. It has a greater boiling point than water, and works at higher temperatures and pressures to regulate the heat generated in the engine. It takes heat from the engine and radiates it back into the atmosphere via your radiator.

Here are the effects of driving with insufficient coolant.

1. Overheating:
The main function of a coolant is to extract heat from the engine. A shortage of coolant may cause your car engine to overheat. If you continue to run an overheated engine, there could be irreversible damage, such as pistons welding to the cylinders.

2. Engine cutoff:
Modern vehicles feature a safety mechanism that will turn off the engine if it suffers considerable damage due to a lack of coolant. Although this function can help you save on engine repairs, it can leave you stranded on the road.

3. Damage to the water pump:
The water pump’s function is to circulate coolant throughout the engine. The pump will continue to run dry if there is insufficient coolant. If the pump goes dry, racks and pockets of air will form in the coolant channel. This increases the pump’s burden and can destroy it permanently.

4. Damage to engine:
The engine blocks are not the only sections that can be damaged by overheating. Many other components can become exposed to heat.
Below is the overview of parts that may suffer the wrath of an overheated engine:

• Head gaskets

• Cams and pulleys

• Warped or bent connector rods

• Crankshaft

• Piston timing

• Connecting rod

5. Decreased mileage:
Your car's engine will be less efficient if you don't have enough coolant. Friction generates more heat, which means more energy is spent. As a result, the fuel efficiency is dismal.

How to identify low coolant levels?

1. Dashboard Warning:
The coolant warning light will light up on your dashboard when car sensors detect a low level of coolant. Keep an eye on your dashboard; it is essential to note that not all cars, especially the older ones, have this feature. Therefore, consider manual checking of the level periodically.

2. A.C. blows hot air:
If your AC unit starts blowing hot air, it is a sign of a lack of coolant.

3. Lower mileage:
Your car starts to consume more fuel per km and shows reduced engine performance.

4. Temperature gauge rise:
The temperature levels of internal components start showing an unexpected spike due to the low level of coolant.

It is vital to make regular coolant checks a habit. If your car's coolant runs out, pull over immediately. Let the engine cool to a safe operating temperature before going to the nearest garage.

If you're unable to drive to a garage, have your car towed to avoid the risk of further damages. Car insurance proves to be a valuable investment in such situations. So, purchase a car insurance policy that provides you with your desired benefits and adds value to your four-wheeler.

Click HERE to invest in ideal car insurance that meets all your requirements.

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.

Technological advancements are visible in a country like India, where economic developments are happening rapidly. These changes are accelerating the growth in all sectors, including the automobile sector. The car industry is an essential growth driver of the Indian economy, and a lot is yet to be done in this field.

Additionally, the Indian economy is set to grow by 7.4% in the coming years. This will significantly impact the automotive industry as well. Car sales in the country have grown by 50% in the last few years, and it is set to record more in the coming years. Automobile ownership will take a giant leap and be a convenient option for most commuters.

However, with such growth, the risks also increase. This also leads many fraudsters to take different ways and means to hack and steal. As the existing state of motor security in India is inadequate, every motor insurance company in India is trying to protect people against such crimes.

All next-generation cars must follow more security regulations to address these challenges. Let's have a detailed look at them.

What is the current scenario of vehicle security in India?

Like everything else, the car security statistics of India are not satisfactory. Every year, more advanced means of theft are discovered. Car theft, hijacking, and robbery are common matters these days. The cars are also more prone to theft because there aren't enough safe parking spaces, which makes them easy targets for carjackers.

What is car hacking?

The automotive industry is under the radar of cyber criminals every day. As the technology is being developed, the risk increases. Vehicles are more connected and automated than ever. This allows cybercriminals to hack into the system and steal valuable data.

They make use of malware to get into the vehicle's system and gain access to all the connected devices as well. These mischievous minds can use this to steal financial data, personal information, and the car.
They make use of malware to get into the vehicle's system and gain access to all the connected devices as well. These mischievous minds can use this to steal financial data, personal information, and the car.

What can be done to prevent it?

After the car theft crime rate is increasing rapidly, the Indian government initiated various guidelines for the automobile industry. These security regulations need to be thoroughly followed by all future vehicles. These rules will keep drivers safe and expect to reduce the crime rate. These are

1. Security standards:
The government is trying hard to elevate the safety standards of vehicles. This means that all vehicles need to be equipped with GPS trackers in the future. Additionally, an anti-theft device should be placed too.

2. Using a High-Security Regulation plate:
HSRPs come with a non-removable snap-on lock which is irreplaceable. All the vehicle details, like chassis and engine numbers, can be collected and stored in a secure database using HSRP. These unique number plates will bring uniformity by eliminating the use of fancy plates. This can also aid authorities in easily tracking your vehicle's registration number.

3. Update all software:
It is crucial to regularly update all security patches of your vehicle's firmware and other IoT software to eliminate any possibility of hacking or breaches. Another advanced solution for connected vehicles includes public-key infrastructure (PKI) that ensures a superior level of security.

4. Awareness:
Regular awareness drives and car security campaigns are mapped out for all car owners so that they can be prevented from theft. This also includes educating them about tracking devices, hacking, etc.

5. Accessible public transportation:
The government is creating a massive public transportation infrastructure for the general public's convenience. Buses and metros are being developed every day, and more cities are being included in the list of metros. This will reduce the dependence on private vehicles.

The future of next-generation cars relies on technology. GPS trackers, Bluetooth connectivity, and anti-theft devices are the future of the automotive industry. They will be mandatory in the future. Every motor insurance company is considering them while planning out their insurance policies.

Click HERE to buy a policy from the best motor 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.

Music plays one of the inspiring roles through the most unpredictable journey called life. During the highs and lows of life, it is one constant that has been proven to have immense benefits for your mind, body, and soul.

Today, technological advancement can be seen through the different instruments and the tools to produce music that fuels our minds, thus lessening our stress and pain. People have started pursuing music professionally with immense dedication.

But one of the main questions still stands. What effects does music have on the human body and mind? How does it calm us down and bring peace to our lives? This blog will answer all your questions. Here are a few health benefits of listening to music you might not know.

1. Changes the brain:
Playing a musical instrument requires lots of practice, a massive chunk of your time, and immense dedication. And as an outcome, along with the fact that you will get well versed in playing an instrument, it has been scientifically proven that there are structural changes in your brain!
You involve a lot of senses when you learn to play an instrument- spatial reasoning, muscle movement, memory, coordination between sensory organs, and within the different sections of your brain. The nerve fibres connecting the left and right sides of your brain are more prominent in musicians than in regular people of various professions.
People who play the violin have been found to have larger brain sections that control the movement of the left touch and hand. Similarly, people who play the keyboard have bigger sizes of areas of the brain which control hearing and visual-spatial abilities.

2. Protection against diseases:
In many cases, it has been seen that people who have been in the field of music (playing instruments especially) for fourteen years or more have shown significantly visible structural and functional developments/changes in the brain. These changes might help protect them against dementia later in their lives.
Apart from this, various types of research have proven that musicians are much better in terms of verbal abilities and memory, spatial tests, and learning abilities when compared to non-musicians.
Patients who suffered from a stroke but have learned to play musical instruments have displayed a better recovery as they uniquely developed their motor skills compared to non-musicians. Such motor skills eventually help stroke patients function during everyday activities.
Not just dementia but listening to music or learning an instrument has also proven effective in reducing the risk of Alzheimer’s or delaying the progression or onset of this disease since these people have heightened memory and enhanced sensory skills.

3. Faster response/reaction time:
As people grow older, their reaction time increases due to the weakening of their senses and understanding skills. But people who have been into music, either by learning a musical instrument or being a fan of listening to their favourite musicians, have shown faster-listening capabilities, excellent touch response, and enhanced auditory and tactile abilities. Music lovers are also proven to have better integration skills of multiple senses while performing various tasks.

4. Handle pain after surgical procedures:
Several studies have shown that listening to music helps relieve chronic pain and alleviate pain generated by various surgical procedures. Music helps the patients keep calm and soothe themselves, relax and lower the need for sedatives, allowing for efficient recovery and satisfying the patient. Music therapy is often advised to patients to lessen their pain during recovery.

Other benefits of music include boosting mental health, managing anxiety and depression, enhancing productivity and concentration, improving cognitive abilities, and much more.

We hope this blog gives you insights that might help you delve deep into the world of music, navigate your interests, and improve your health. Considering your body, mind, and overall health, it would be wise to buy health insurance online India in safeguarding yourself and your family against unprecedented circumstances. You can explore your options and buy health insurance online India which is best suited for your needs.

Click HERE to buy health insurance online India and know its benefits.

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.

An off-road bike trip is a common wish on the bucket list of most adventure enthusiasts. The thrill of taking challenging terrains while watching picturesque scenery go by is unparalleled. Especially in a country like India, with rugged roads that aren't accessible by car, two-wheelers are the best option to explore the extreme interiors. However, planning for an off-roading trip is not to be taken lightly. It involves strategic decision-making regarding routes, your health, and safety.

While there are plenty of decisions to make while planning an off-road bike trip, the first should always be your and your bike's safety, and the best way to do so is by purchasing two wheeler insurance India.

Here are six tips to prepare yourself for your upcoming off-roading adventure!

1. Find the right bike for the trip:
To take on an adventure like off-roading, finding a bike that is the perfect fit for you is essential. While comfort is necessary, also look for a safe bike that is well-maintained to ensure it does not break down on the road. Check if any repairs or maintenance need to be done on components like the handlebar, seat, headlights, etc.

2. Get appropriate safety gear:
When we think of off-roading, we do not picture people wearing safety equipment. However, it is a rookie mistake not to go well-prepared. Safety is of utmost importance, not style. Get yourself a full-face helmet and knee and elbow guards. Also, try to keep your clothes form-fitting to minimise disturbance and discomfort. Ideally, look for riding pants, ankle boots, and a riding jacket, which are made for long rides. Always invest in your safety, and you'll surely get amazing results.

3. Insure your bike:
While the above-stated safety gear can protect you from injuries, two wheeler insurance is necessary for long-riding trips. It covers any possible financial losses due to accidents, thefts, or third-party damage. Two wheeler insurance India is mandatory even on regular roads. Still, it becomes essential for undertaking off-roading trips and provides a blanket of safety to cover your expenses in case of damage to your bike during the trip.

4. Pack appropriately:
What you pack depends highly on your destination, but wherever you may be headed, pack light. Do not try to pack everything you may need during the trip, as it's bound to weigh you down.
Keep it simple and carry disposables to throw away once you're done using them. For essentials like must-carry electronics, take the simplest versions, a few clothes, and crucial medicines. Prioritising items is necessary when packing for a road trip on your bike.

5. Make arrangements for self-sufficiency:
When planning for a road trip, you must be aware of the troubles you may encounter. You may face problems like not having access to food, water, or electricity. Be prepared with supplies or arrangements in such situations. Pack extra food and water as they are higher-priority items than a spare change of clothes.
With constant technological advancements, you can also find ways to use your bike's battery as an electricity source for your gadgets in worst-case scenarios. Do not rely on technology only- have a basic understanding of the route and destination and keep a physical map handy.

6. Get the essential tools:
As an experienced motorist, you may have a toolkit already. Still, if you're a newbie to motorcycles, it is essential to have a well-maintained tool kit with the basic equipment and a general idea of how to resolve minor issues. Always ensure that the kit is equipped with fully functional tools.

While spontaneous plans are exciting, taking an unplanned off-road bike trip may not be a good idea. With meticulous planning, comprehensive personal insurance, and two wheeler insurance India, your upcoming off-roading trip can be safe and enjoyable simultaneously! The last but most important thing you need to carry is loads of positivity, energy, and enthusiasm. The twists and turns are waiting for you to conquer them with pride.

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.

Having your vehicle is the best way to reach your destination, commute to work, or go on a trip, but sometimes the road traffic conditions become unfavourable. These situations arise for various reasons, such as traffic jams, accidents, faulty traffic signals, etc., and it's impossible to dodge such traffic woes.

But, as a result, some intolerant drivers display aggressive behaviour on the road and risk the safety of pedestrians and fellow drivers. Road rage is a common incident experienced daily, which is a serious issue to resolve.

Road rage can pose a threat to you, and you must follow various prevention tips to avoid it and drive safely. Also, you can save yourself from car damage costs by insuring your vehicle with the best motor insurance company in India.

Here are some of the best ways to avoid road rage and drive your vehicle peacefully and efficiently.

1. Follow road safety rules:
One of the main reasons for road rage is that people ignore road rules and regulations. Jumping signals, avoiding indicators while driving, or wrong-side driving can result in vehicle collisions. It also increases the chances of road arguments, fights, and sometimes worsening situations.
However, you must remember that you are not the only one driving on the road. When you take charge of the steering, you become responsible for your co-passengers and fellow drivers' safety. Even if another negligent vehicle is coming your way, you must let them go. Avoid trying to overtake them by keeping your ego aside and maintaining your cool.

2. Stay calm while driving:
Some drivers become aggressive while driving, leading to road rage and chaos. So, you need to know how to remain calm in such situations. If you stay composed and focused, it also helps to reduce panic and accidents. If you get trapped in a tricky situation, try not to get stressed or hyper. Refrain from getting into arguments with other drivers. Instead, try to handle the situation peacefully.

3. Maintain a safe distance from fellow drivers:
You must know the correct distance between your vehicle and others. Sometimes people ignore the safe distance and drive very close to other cars. When the vehicle in the front applies sudden brakes, and you do not maintain a safe distance, it will cause you to collide with them.

4. Manage your time:
You must know the importance of your time and manage it wisely to avoid the last-minute hassle. If you leave your home late to go to the office or anywhere, you will be in a hurry and drive very fast. Over-speeding and rash driving are leading causes of accidents and road rage. So, it would be best if you moved early to your destination to avoid the rush.

5. Ignore the person who tries to fight:
Some people on the road are short-tempered and always try to argue with other drivers. If you come across such a person, avoid road rage by ignoring him. Stay calm, have a smile on your face, do not get out of your car to settle the matter, and try to resolve your issue with apologies and move on.

6. Get your insurance:
It is mandatory to have motor insurance for every vehicle owner in India. It will protect you from car damage, mishaps, and undesirable situations. If you do not have a car insurance policy, you must buy one from the best motor insurance company in India.

Everyone wants to drive safely, but sometimes people misunderstand the right way of driving and engage in road rage. You must follow the tips mentioned above to avoid such situations and travel to your destination without chaos. Also, educate others with these tips to minimise the rising cases of road rages in India. Lastly, ensure that you purchase reliable insurance coverage for your vehicle from a trusted motor insurance company in India.

Click HERE to buy insurance from the best motor 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.

If you are somebody who wants to invest in a scooter or a bike, you should first figure out if you wish to purchase a new or used vehicle. It will help you to narrow your searches by a large margin.

Not just that, buying a used two wheeler will also save you a significant amount of money. If you are a first-time buyer, you may not understand why a used vehicle can be a good option. In this blog, we will discuss a few reasons you should consider buying an old two wheeler rather than a new one.

Meanwhile, whether buying an old or new bike, understand that it is crucial to protect your vehicle with the best two wheeler insurance in India.

1. Getting bikes or scooters at half the price:
One of the main reasons you should select a used vehicle over a new one is the price difference. You will be able to get your favourite bike or scooter for half the price, making it convenient for you to get the best deal.
So, you should make a detailed list to narrow your choices and filter them as per your requirements and budget. Compare the offers of different dealers and pick the one that suits you best.

2. Getting in contact with the best dealers:
When you start looking for used bikes or scooters, get in touch with trustworthy dealers. Since several dealers are selling pre-owned vehicles, reputed dealers are the ones who have a wide range of well-maintained models with competitive prices. You can choose one that will fit your needs the most.
Not only that, but an experienced dealer will also ensure the two wheeler is safe and secure. If you select the best dealer, they will also provide you with other benefits, such as insurance, post-care services, etc. In addition, they will also help you acquire a bank loan for a pre-owned vehicle, if required.

3. Appropriate professional check-ups:
Good dealers have their panel mechanics who ensure that bikes and scooters are safe to drive before they go out on the road. Not just that, but they also examine the two-wheeler for rust and change the parts with new and genuine ones for an improved rider experience.
You may also ask them to look at all these improvements and alter them if needed at the time of buying. In addition to that, they will also assist you in taking the bike or scooter out on a test drive to determine if it is best suited for you.

4. Price negotiation is available:
If you are looking for a two-wheeler within a budget, it is best to opt for a used one since price negotiation is readily available. If you already know everything about the bike you want to buy, you can make an offer based on your budget.
Multiple dealers nowadays provide options to help you acquire the best price for your choice of vehicle. Because of this, it will be easy for you to save a lot of money in a short amount of time.

For novice riders, it is always a good idea to ride used two-wheelers and train themselves professionally before purchasing a new one. Used two-wheelers will give you better opportunities and options to go around and get your favourite bike home at affordable prices.

Whether buying a new or old one, it is important to purchase two wheeler insurance. It is mandatory by law to have insurance to ride legally in India. Buy the best two wheeler insurance in India and promise your two wheeler a reliable safety net.

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.

Is this your first time owning a bike? If so, you may not know how to detect a dying clutch. A clutch is one of the most crucial parts of a vehicle that connects and disconnects the engine to the transmission system.

It is one of the main working parts that needs your close attention. A malfunctioning clutch may cause serious harm to your vehicle.

Here are a few factors that can help you to detect if the clutch needs an immediate replacement.

1. The bike and the engine start at different speeds:
One of the main aspects that can help you notice a malfunctioning clutch is when your two-wheeler and engine start working at two different speeds. This is known as clutch slippage. You will be able to notice it when you start your vehicle and accelerate, it will run slowly, but the engine will be at high speed.
Since the friction in the clutch gets reduced over time, it becomes more challenging for the disc to hold on to the flywheel and pressure plate. It, in turn, makes it hard for the engine to transfer energy. You should pay attention to this symptom immediately, or it can lead to some major damage to your bike.

2. Reversing the gears becomes challenging:
The second factor that will make it evident for you to notice a dying clutch is when reversing becomes more challenging. In such a situation, you will not be able to get in or out of third gear, making riding comparatively worse for you. Since it only happens when your clutch is dying, it will help you realise that your two-wheeler requires servicing.

3. Clutch pedal makes noise:
When you depress or release the clutch, the clutch pedal starts making noise. You may also feel vibrations on your bike with shifting the gear, which might indicate a worn-out clutch. Not just that, but the clutch also makes a sound when the lubricant that helps it run dries up. Hence, you should get your vehicle checked by a mechanic to get the problem solved.

4. Clutch creates a burning smell:
Another factor that can help you spot the malfunctioning clutch is when it starts giving a burning smell. It happens when the slipping machine causes friction, which increases the temperature gradually.

5. Avoid aggressive downshift and riding on clutch:
Many riders have a strange habit of aggressive downshifting even when it is not needed or can be done better and more smoothly. These sudden and aggressive downshifts put pressure on the clutch system, and it gradually wears out.
Riding for a long time with a half-clutch pressed is not recommended. Use the clutch only at the time of gear shifting and avoid riding with the clutch engaged at all times.

6. Reduced fuel consumption:
Clutch problems significantly impact the mileage of your bike. A worn-out clutch puts pressure on the gearbox, further lowering the engine's performance due to the excess fuel required to generate power. This reduces the mileage of the bike and even impacts the quality of the engine over time.

Do you wish to drive in a way that will help you stay secure? If yes, you should take care of your bike's clutch regularly. One of the best ways you can do this is with the help of mechanics and regular servicing. Another proactive way to ensure your bike's safety is purchasing bike insurance online. Get affordable deals, enhanced coverage, and exciting benefits that make your life less stressful and financially sound.

Click HERE to buy 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.

Nearly 138 crores of the Indian population adhering to stringent traffic rules can seem daunting, but the benefits are surely rewarding. It is imperative to understand that these rules are in place to ensure the safety of citizens and exercise their rights freely without causing inconvenience to others.

Even with so many rules and regulations, many people face harrowing accidents and unfortunate defilement while travelling. It can be costly to deal with the expenses involved after an accident. With accurate knowledge and proper planning, one can counter these challenges with the seamless advantages of an insurance policy.

A motor insurance claim is a compensation provided to the insured by a motor insurance company. The compensation is paid for any damage caused to the insured's vehicle. The policyholder must pay a monthly premium to avail of the insurance benefits and get compensation for damage done to the vehicle and even to third-party.

Motor insurance is an efficient safety net to safeguard your asset and prevent your finances from draining behind the repair and maintenance work. It is important to keep your motor insurance updated and look for its renewal date. Never miss out on your motor insurance renewal. You can conveniently do online motor insurance renewal to save time and avoid your policy from lapsing.

Let's look at various types of motor car insurance claims available along with their requirements.

1. Cashless insurance claim:
This settlement process is the most convenient. You don't have to worry about expenses or vent your pockets for the repair work. The motor insurance company will clear all the bills associated with the respective vehicle, thereby giving you cashless benefits.

2. Reimbursement insurance claim:
You have to foot the bills by yourself, and the responsibility of filing for reimbursement is upon you. It can be daunting to keep track of all paperwork of repair, original bills etc. The documents required for claiming insurance should be thoroughly checked and filed accordingly. The claim can remain deficient if the necessary instructions are not followed.

3. Third-party claim:
This claim is enforced to seek coverage to the third-party liabilities. If any third party suffers damage from the insurer, it should be reported to the nearby police station and the motor insurance company. If the roles are reversed, the individual seeking claim must provide the vehicle and owner details needed to claim the insurance.

4. Own damage claim:
This type of claim is filed after the insured's vehicle is damaged in an unfortunate incident. The motor insurance company should be immediately notified where the verification and assessment of the damage will be done before paying the repair cost. The insurer must submit the required documents if a reimbursement claim is needed.

5. Theft claims:
This is raised when a car gets stolen. The initial step is to notify the police, the RTO, and the motor insurance company. Documents required to claim must be maintained and provided along with the car keys.

The following documentation is necessary as deciphered by the insurer:

1. In the case of accidents:

● The claim form with signature

● Copy of motor insurance policy

● Car registration certificate

● Driving licence

● FIR copy

● The bill estimated for damage repair

● Repair bill and payment receipts

● Vehicle inspection address (if no garage is mentioned)

2. In the case of car theft:

● Copy of insurance policy

● RTO theft declaration

● Police FIR copy

● Subrogation letter

● Car registration certificate and book

● Previous insurance policy details

● Any car-related items such as keys, warranties, booklets, etc.

● Forms 28, 29, 30 and 35

● RTO official intimation for theft

● Claim discharge voucher with revenue stamp and signature

3. In the case of the third-party damage:

● Claim form signed and filed

● Police FIR copy

● Driver’s licence

● Registration certificate and related documents

● A vehicle's original registration copy with the stamp

The police and the insurer must be notified about the mishap within 24 hours. The claiming process can become effortless and less complicated if the necessary documents are prepared beforehand. The owner must evaluate the entire situation before claiming anything for their vehicle. Every legal documentation in motor car insurance must be taken care of. Regularly schedule your online motor insurance renewal before the due date so you can avail maximum benefits and safeguard yourself by being a responsible citizen.

Click HERE to get online motor insurance renewal and protect 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.

There is no denying the importance of having the most comprehensive and cost-effective motor insurance policy that fits your needs and finances. Though in all of this, let's not forget that the insurance policy's premium can be affected by several things, natural disasters being among the most significant.

Since many readers seem to lack even the most fundamental understanding of how large floods might affect the cost of your car insurance, that's what we'll be discussing today.

When your vehicle is damaged in a major flood:

The first thing you should do after a flood is contacting your motor insurance company. They should make the necessary arrangements to restore your vehicle. Floods affect many people and their vehicles all at once, so you'll want to act quickly. It's important to file your claim immediately; the longer you wait, the more damage you'll likely incur. However, remember that major floods can make insurance companies slow down as the other drivers may be filing similar claims at the same time. This makes the claims process difficult for insurance companies.

If your insurance company provides a claim based on a flood, you may see your premium increase or lose on the NCB (No Claim Bonus) benefits. Most insurance companies won't increase the premium immediately, and also it may take longer for the claim to be cleared.

Methods used to calculate flood-risk zones:

Flood-risk zones are areas prone to frequent floods. These zones are often identified in the form of maps. There are many ways to determine a flood zone, and each type has its own conditions.

Flood insurance premiums are based on the probability that a vehicle will be damaged due to flood. The probability is usually between 0.2% and 1.0%. The risk to a vehicle's value depends on the location within the flood zone and the severity of the flood.

Effects of large flood events on premiums:

In the last decade, weather-related catastrophes have increased in frequency and severity, posing considerable challenges for the insurance industry. And the effects of climate change are expected to accelerate this upward trend, further affecting insurers' bottom lines.

Large flood events can cause motor insurance companies to reduce their payouts by reducing the number of claims they pay. Insurers also limit their payouts by restricting coverage for high-risk events. This, in turn, increases pressure on governments to invest in flood prevention and to provide compensation to those affected.

Floods are events that cause significant damage to vehicles, from expensive repairs to a total loss. They reduce the vehicle's value, and only comprehensive motor insurance can help you deal the best with these losses. If you reside in a flood-prone area, you need to consult your insurance company to see if they can cover the cost of repairing the vehicle. You may even consider buying add-ons like Zero Depreciation cover, Non-Claim Bonus (NCB), Engine protection cover, Roadside Assistance cover, and more to further lower the impact of flood damage and provide broader coverage. If you live in a flood-prone area, then you always need to be on your toes and up-to-date with safe and reliable financial instruments like insurance to make damages appear less daunting.

Click HERE to buy comprehensive 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.

Financial education is a topic being discussed like never before. What was previously seen as a taboo is now being openly discussed in live conversations and on various platforms on the internet by an audience of different age groups. As modern-day parenting involves breaking down finances by providing the privilege and freedom money brings, children are not far left behind.

Insurance is a fundamental component of sound financial management, which must be introduced to kids early. You can set an example by discussing different insurances with your child in simple words.

Why should you discuss insurance with kids?
You may wonder why discussing insurance with kids is of significance. Simply put, insurance is a mechanism that provides safety cover and teaches budgeting and saving, which are essential for efficient money management. People who have not been exposed to insurance at an early stage tend to take it for granted and realise its importance after reaching their 30s or 40s, when insurance providers hike up premiums, making insurance expensive.
By teaching your children the benefit of insurance, you are making them aware of contingencies, being prudent, and taking covers to monetarily protect themselves from any damage to their property or health. When taught at such an impressionable stage, concepts tend to stick for a lifetime and help in making conscious decisions relating to money.

How to bring up insurance with kids?
Insurance is a complex yet essential instrument that provides safety against contingencies in the future. While necessary, it wasn't easy to understand and pick one for your needs before digitalisation. However, the internet's plethora of resources makes it accessible to all. For example, you can buy your two wheeler insurance online India and show your children the complete process and its benefits.

1. Make use of your kid's prised possessions to pique their interest
Drawing and retaining a child's attention is challenging. However, you can easily explain different insurance types to children using what they hold dear- toys. Insurance protects what matters most from unintended damage. Use this concept to get your child's attention. Insurance discussions with children do not have to be formal and provide the best results when introduced naturally.
Playtime provides the best opportunity to introduce insurance. Using imaginary scenarios and functional characters, you can use them to explain the unpredictability of the future and the need for a safety net.

2. Use of digital resources:
Recently, resources like online courses have seen a rapid increase in demand. Similarly, online creators on platforms cater to simplifying finance for non-specialists, and a specific niche for kids is also developing. Since kids of this generation occupy the maximum screen time, it becomes easy to introduce financial habits in uncomplicated terms through visuals and digital content.

3. Involve your child in making financial decisions:
Choosing where to spend your money is essential to building an ample savings amount and helps determine the individual's financial acumen. Once you have introduced the topics to your child, give them a weekly or monthly allowance of a minimal sum that is enough to purchase a small value item like a snack, and then ask them where they would prefer to direct the balance amount.
You can guide them to invest their money to safeguard their valuable assets like their two-wheelers by researching themselves and investing in the two wheeler insurance online India. Let them know the wonders insurance can have in one's life due to its seamless benefits. This way, your child will gain practical exposure in a controlled environment.

Financial literacy is not obtained overnight and is a healthy discussion that should be initiated at the earliest stage possible. It allows for a greater sense of responsibility in children. The best way to inculcate this habit is through regular discussions about savings and managing wants and needs.

You might give your child a pretty bike or a scooter once they cross 18 years of age. Still, your next step should be advising and motivating them to self-understand the importance of crucial financial investments like insurance. They can start by using the internet for their analysis and learn to invest in two wheeler insurance online India not just to safeguard their asset but more to learn the power of smart investing!

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.

There is nothing as fascinating as travelling, which allows you to explore new and exciting places, meet new people, identify their culture, try diverse food, and discover local music.

As a traveller, you always want to have a travel experience that is hassle-free and free from any problems. The more problems you encounter on your trip, the less enjoyable it becomes. Tourist traps are one of the major issues that tourists face on their trips. Many scammers and fraudsters roam at these tourist places, trying to scam travellers. This can make your journey unpleasant and uncomfortable.

To avoid such a problem, you should always stay alert and follow certain things that will help you dodge tourist traps. The first layer of safety can be ensured by researching and investing in the best general insurance plans.

The tips and tricks to help you deal with tourist traps are as follows.

1. Blend in well:
You must not look or do the deeds of a tourist. This will make you stand out from the crowd. In this way, you're likely to fall prey to tourist traps. To avoid this, you need to blend well with your surroundings. If it is a new place that you have not visited earlier, do some research in advance. Be aware of the dressing style of the locales and dress accordingly. You should always dress in outfits to camouflage your surroundings and avoid unwanted attention.

2. Go local:
Instead of relying on your guidebook, go for a local option for dining in the city. The fancy and posh restaurants that your guidebook and brochure suggest are often too pricey and not up to the mark. They offer mediocre meals at high rates. You are likely to spend a fortune and then end up with nothing. Hence, it is recommended that you dine locally at cafes and restaurants. Explore nearby areas and discover hidden gems that will satiate your taste buds.

3. Go during off-season:
Although the tourist season is attractive, it has its set of worries. It will leave you with more headaches than you can fathom. From spending more money to getting bad deals, the prime holiday season is a waste of time. If you want to explore a place in peace, then go during the off-season. You will also be saved from tourist traps!

4. Use public transport:
Instead of opting for cabs or taxis, take the train, subway, or bus. You are likely to avoid tourist traps this way. It will also ensure you save a ton of money when taking the bus. If it is possible, walk to nearby distances. There's nothing as fascinating as exploring a city on foot.

5. Don't trust strangers:
When you're in a new city, a large number of people will want to interact with you. They will offer to take your luggage, give you directions, or even offer you a taxi or auto ride. However, you need to be extremely careful in such situations. It is often advised not to interact with such people as they're always looking for a chance to earn more money from fellow tourists. They can also charge a hefty fee for their services or even run away with your luggage in worse cases.

With this being said, you must take all the possible measures when you travel to a new place. You can easily fall into a tourist trap and lose your money and belongings. As a traveller, you would always want to carry good memories rather than stress when you head home from a destination. Invest in the best general insurance plans in advance to avoid problems during your trip.

Click HERE to buy the best general insurance plans and protect yourself while travelling.

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.

River cruises are one of the best ways to explore the country's backwaters and serene pockets with a mesmerising experience. Although it makes for an offbeat vacation, you will carry a bag full of memories on your way home. If you are into nature photography, this vacation will be a haven for you.

From the lush green surroundings of Kerala to the unexplored islands of Andaman, there's a lot to explore and discover as you go on your river cruise.

*Pro-tip
It is advisable to stay safe and secure in your journey, as you'll always be amidst waters. Buy an insurance policy online before you embark on your journey.

Let us walk you through all the possible travel destinations available via river and sea cruises in India.

1. Sunderbans:
Located in West Bengal, Sundarbans form the largest mangrove forest in the world. It is not only large in terms of area but also very captivating as the river cruise takes you through the pleasant delta of the river Brahmaputra. You'll be bestowed with the most picturesque landscapes when you undertake this journey. You're likely to spot numerous flora and fauna as you explore the waters of Brahmaputra. You're likely to spot monkeys, crocodiles, leopards, wild hogs, kingfishers, and Bengal tigers, among others.

2. Kerala:
The river cruises serve as one of the most exciting ways to explore the heart of Kerala. Being a state that is blessed with lush green surroundings and pristine backwaters, Kerala is a haven for nature lovers. While on a backwater cruise, you will feel closer to nature. You will also get a chance to look closely at the state's influential culture. The cruise guarantees you the journey of a lifetime. You can enjoy the fantastic surroundings of Kerala in comfort, luxury, and space. You will also be able to try authentic South Indian food on the cruise.

3. Goa:
There are many ways to enjoy Goa's fun and frolic life, but you must've never thought about spending time on a river cruise. Goa is bestowed with the beautiful Mandovi River, which can be an ideal place for a river cruise. The atmosphere on the cruise is always upbeat and lively. While you immerse yourself in Goan delicacies, you'll be presented with the scenic landscapes of Goa. It is a joy in itself.

4. Andaman and Nicobar Islands:
Andaman and Nicobar Islands is one of India's most stunning places to visit, allowing tourists to explore the unknown. The sea cruises of the islands are grand, elegant, and classy in every possible way. You will be bestowed with naturally green, serene, and exciting surroundings. Apart from that, the cruise is also well-adapted to fulfil all your needs. The amenities present on the cruise are world-class and adapted to the varied tastes of travellers.

5. Assam:
North-east India is a hidden gem of the country blessed with breathtaking views. The Brahmaputra River runs far and wide in this area, allowing tourists to explore it on a river cruise. A river cruise will open doors to several scenic locations like Kaziranga National Park, Majuli, and Guwahati. It is one of the best ways to bask in the glory of Assam.

Vacation cruises are one of the most delightful ways to explore India. It will allow you to look at the surroundings closely and collect lifetime memories. However, it is suggested that you always ensure your safety before setting out on a journey. Buy insurance policy online while booking your tickets, and be rest assured of your belongings and travel safety.

Click HERE to buy insurance policy 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.

Do you often hear your employees nagging about how team-building activities are childish? Then, it's high time to drop the regular events and gear up for jaw-dropping adventures.

The whole point behind organising these events is to make the team creative and shed light on aspects like leadership, etc. This is the best way to energise the team and find great leaders. The more stress-free the environment is, the more productive the employee will be.

Often, excruciating projects affect the creative perspective of the team. Engaging in sports will cultivate mindfulness and creativity. Stay tuned till the end, and strike down boring ping-pong tables, regular parties, hackathons, etc., because we've got something interesting!

Still not convinced? Take a look at this blog; we will cover some of the mind wrecking adventures.

1. River rafting adventure:
For an exhilarating day, river rafting is highly advised. Water games always tend to be an ideal release of stress. The interpersonal relationships make the river rafting adventure fun and leave memories that last forever. This helps to build trust among the group where all team members in the raft paddle in coordination and motivate each other to put in their best efforts.

2. Paintball army:
Adventure sports are the thrills most people want to taste once in their lifetime. And this is the one that brings out the adventure seeker and the curious kid in everyone. All you need to do is make separate army troops and establish a real-life war zone.
And before you know it, you can build a strategic thinking and warrior mindset. The very fabric of teamwork is what makes the team win over here. Get ready to take charge of the paintballs, hunt down your targets, and spend a thrilling day enjoying yourself.

3. Get the adrenaline pump:
Would you drop down the chance if allowed to go on a group cycling in difficult terrain? Sounds exciting, isn't it? Rock climbing, paragliding, trekking, and many others are hands down amazing mental and physical puzzles. This develops the risk-taking mindset and gives employees a much-needed break from their work routine. Pick spots that offer these adventure sports and plan a day out to savour nature's unparalleled beauty along with the intensity of heart-throbbing adventures.

4. Turf tournaments:
Every person brings a different competitive edge to the table. As an employer, you need to set a perfect environment without fear of failure. Nothing other than a game of soccer or cricket can manage to build teamwork. Suppose you have 30 employees; you can create 5 to 6 teams and play an internal tournament on turf pitches. Everyone will strive to bring home victory by focusing on one common goal by keeping sportsmanship as their priority. In this process, they will realise their strengths and build a mindset of understanding each other. So, naturally, instead of performing well individually, they will accomplish tasks working together

5. Escape room:
Here's the last one on the list. While it may not be an outdoor game, it's hands down the best pick to escape real-world problems. Picture this: Getting tossed into a room with challenges sounds exciting. And remember, all of this while the clock ticks off. When this is done with the entire team, it enhances collaborative leadership and strategic thinking.

These adventures are not just a medium of entertainment but also a useful resource to energise the employees and encourage them to perform tasks in unity. Rewarding your employees with such exciting breaks once in a while makes them feel valued and allows them to indulge in less mundane and more enthusiastic activities.

But remember that any adventure is enjoyable only when safety is assured. Accidents come uninvited, but a comprehensive personal accident plan can make up for the damages done to an individual due to a mishap and compensate for it without the policyholder worrying about the finances. You may seek affordable health insurance plans to get comprehensive coverage against mishaps. This way, you can focus on enjoying the adventures with happiness and vigour.

Click HERE to buy affordable health insurance plans.

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

The strict implication of rules and regulations in a densely populated nation like India is required to maintain law, order, and discipline. Several rules have been laid down over time and are also ever-changing, with constant reforms.

But, due to the lack of awareness of the existing traffic rules, most people suffer losses in terms of fines on the road. When you end up paying fines on the road, you're causing a financial and ethical loss to yourself. It can be easily avoided if you have a better knowledge of the country's traffic rules.

If you lag in keeping up with traffic rules and regulations, then you'll benefit from this article. Regardless, we suggest you stay up-to-date with your insurance so that your vehicle does not undergo any damage. Book your calendar in advance for your car insurance renewal so that you don't have to face the discontinuity of your policy.

Further, we will highlight some of the country's lesser-known traffic rules. They will help you save up on fines and stay informed while driving on Indian roads.

List of some lesser-known traffic violations in the country:
1. You violate traffic rules if you have tinted glasses on your car, truck, or van. You are entitled to a fine of INR 100 or more, and your licence can also be suspended. Various State Governments first ordered the removal of tinted glasses. The rule is extremely strict, and it does not spare anyone.
2. All the big cities like Delhi, Mumbai, and Bangalore have a rule of mandatory silencers in all vehicles. If your vehicle does not have a silencer, you are likely to pay a fine of about INR 10,000. This has been done to keep the noise pollution levels in check.
3. If you use high-beam headlights at night, you are likely to pay a fine of INR 500. It is done keeping in account the increasing number of road accidents due to the use of high-beam headlights at night. It is considered extremely dangerous. On the contrary, if you are found driving without headlights at night, you also have to pay the penalty for it. Ironical yet true!
4. Smoking inside the car is prohibited in India. If you're found guilty of this, you'll have to pay a fine of up to INR 500 for the same. The act of smoking is harmful to the driver as well as the co-passengers.
5. In most metro cities like Kolkata and Chennai, it is necessary to have a first aid kit in your vehicle at all times. Failure to produce one upon inspection can result in a fine. It was done to ensure the safety of the driver and the vehicle's passengers. It is also mandatory to follow this in the case of new vehicles.
6. The use of pressure horns is liable to be fined in India. If you have installed a pressure horn in your vehicle, you might have to pay a fine of about INR 1,000 or more if stopped by the police.

All drivers in India must remember these lesser-known traffic rules when they hit the road. It will save a lot of time, effort, and money. Further, it will ensure your safety and prevent you from getting in trouble. It is crucial to abide by the traffic rules and encourage others to do so. Keep all your documents up-to-date and handy, especially the PUC and car insurance. You should never miss out on your car insurance renewal. Take charge of your role as a responsible driver.

Click HERE to get car insurance renewal done instantly.

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 beats the peaceful enjoyment of a long solo drive. With the weather being nice and pleasing, it is the perfect time to plan a solo car trip to detox from the busy lifestyle and the city hustle.

But with the fun aspects of solo trips, it is also true that solo travelling is somewhat unsafe since you are going long distances all by yourself. It is crucial to acknowledge the perks of car insurance India can be beneficial during emergencies.

So, to make your travelling experience more enjoyable, here we have eleven safety tips for long-distance driving.

1. Remember to take frequent breaks:
A long drive can be entertaining but also exhausting. So, remember to take breaks from driving, get out of the car, stretch out your muscles, have quick snacks, and hydrate yourself.

2. Be careful with your luggage and cash:
When you're on a solo trip, you are basically on your own with the security of your belongings and valuables. Make sure you lock your car when you move out for a refreshing walk.

3. Interact with the local people:
Local people are the best way to know more about the place you are travelling to. Be kind and interact with the locals so they can help you have a safe journey while making your trip more memorable.

4. Have good knowledge of the policy of car insurance India:
Danger never comes with warnings. So always ensure that you cover your car under a legal insurance policy.

5. Be safe with your routes, but don't be afraid to explore:
When you're on a solo trip by car, you always have to be extra careful with the route you're taking for your adventure. While it is necessary to remain safe, don't be afraid to explore the local attractions of the places you travel and enjoy their authenticity.

6. Prepare yourself for anything unfortunate:
While travelling solo, you should always be prepared for the worst. Always carry pepper spray and/or a safety knife with you. Cases of solo travellers being attacked are common, especially in isolated places. Try staying in places where the network is working, so you can always contact the emergency services if you need to.

7. Educate yourself with the basic knowledge of the regional language:
If your destination has a predominant language, it is best to learn some basic phrases in their language so the local people can help you out in case you need them. Simple phrases like greetings, help requests, etc., should be in your vocabulary for a safe travelling experience.

8. Don't blindly trust strangers:
The age-old advice of not trusting strangers is a legitimate one. You can never predict people's true intentions, so while it is good to be nice in general, don't trust everyone you meet on your trip.

9. Don't eat or drink from unverified sources:
Being on a solo trip to foreign destinations will require you to be properly informed and careful with everything the place offers. So, for the sake of your safety, do not eat or drink from places that seem suspicious or unhygienic.

10. Follow a modest dress code:
While it may not be an issue in some places, it is always important to dress modestly if you plan to go on a solo trip somewhere unknown.

11. Have your entertainment sources with you:
While solo car travelling adventures are always fun, things can quickly get boring. So have a playlist of your favourite music to groove and enjoy your trip even more. Books and magazines are also a great way to entertain yourself during breaks.

We hope your solo travelling adventure is refreshing, entertaining, and safe. Prepare a quick checklist and note down all the crucial tasks to make your trip convenient. Start with taking your car for servicing. Pack light, do not stuff your bag with unnecessary things, and most importantly, carry a first-aid kit. Have all the required documents like driving licence, PUC, car insurance India, etc., handy with you. Keep these tips in mind for a better experience, and lastly, have a safe journey!

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.

India is a country with diverse topography, culture, and people. Since the urbanisation boom, most of our population has shifted from villages to cities in search of opportunities and better lives.

Recent trends indicate a welcome change as the increasing number of people are opting for village tours to experience rural life in stark contrast to the everyday bustle of the cities. These village tours help support the rural economy and boost tourism.

The unparalleled experiences in remote villages are an experience like no other. These tours provide a glance at everyday village life, including the local cultures, food, and lifestyle. These experiences can significantly change the way we perceive life.

What to expect from village tours?
Village tours are a great way to get an idea of what village life looks like for a short period. It is an immersive experience where you can interact with villagers and be amongst the common folk. You can feel the sense of community engagement while enjoying the pristine rural background.
Some tours also provide a luxurious experience through well-built camps equipped with all the requisite amenities. However, as you are stepping into a lifestyle unknown to you, it is best to be prudent and insure yourself and your fellow travellers. If you do not yet have a travel insurance policy, you can consider purchasing online general insurance that covers accidental mishaps.

Following are some of the best villages tours in India;

1. Kutch:
The white desert in Gujarat is home to several villages where they continue to preserve and exhibit their traditions, culture, and handicrafts. While the desert has plenty to explore, the villages provide an opportunity to live in clusters of mud huts and engage in the daily activities of the Kutchi people.

2. Punjab:
Punjab is an ideal place to experience village life. With a majority of people engaged in agriculture and allied activities, the hospitable villagers of Punjab are great hosts for facilitating this experience. One can experience tractor rides, farming activities based on the season, and learn more about their culture. All of this can be done in vast fields with clear skies in the backdrop- how much better can it get?

3. Wayanad:
The district at an altitude is home to some of the oldest tribal villages. The North Kerala cuisine, coffee plantations, bamboo handicrafts, and workshops are highlights of visiting the villages of Wayanad. Depending on the season, you can try your hand at working in the vast plantain orchards and coconut plantations.

4. Spiti Valley:
Spiti Valley is a cold desert in Himachal Pradesh with small villages spread over the region. Although the villages are sparsely populated and very remote, they provide a unique experience. The unfamiliar surroundings in the mountains may seem cold, but the warmth of the people makes up for it.
The locals are excellent guides to take you sightseeing and can help make the most of your trip while bonding with your hosts.

5. Sunderbans:
Known for being the land native to the Royal Bengal Tiger and swampy marshlands, several villages are located in the Sunderbans. Walks in the villages, exploring the mangroves, and basking in the humid climate are what your days would look like on a village tour to Sunderbans.

Irrespective of the village you choose to explore, you will be greeted by enthusiastic and hospitable hosts who will do their utmost to make your stay enjoyable and comfortable. Your hosts will ensure to engage you in a trip that will leave you feeling like you're amongst them without missing out on any luxuries or facing any inconveniences.

Our only tip to you before you book your trip would be to look into the terrain and climate and pack accordingly. Be aware of the risks associated with the area you're visiting and ensure that your insurance covers the same. If not, you can always buy online general insurance that can keep you protected at all times.

Click HERE to buy online general insurance plan.

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 two-wheeler provides many conveniences and advantages, particularly in terms of time savings. Two-wheelers are becoming increasingly popular as a form of transportation, mainly in urban areas where traffic congestion is the main issue. However, two wheelers are also more inclined to accidents.

If you encounter an accident while riding, make sure to check yourself and your fellow passengers before moving on to the next step. Look for any indications of pain in your body. Check your accessories to see what body parts have touched the ground. You may have been hit in one or more of these body parts if your jacket, pants, shoes, gloves, or helmet have any sign of damage. Before determining the motorcycle's condition, check your physical health.

Sometimes it's impossible to stand the bike back up, and you need assistance. It might have fallen in an odd place, or maybe it's too heavy. Yet again, it's a huge, hefty piece of equipment, so don't feel guilty asking for help.

Make sure it is safe to ride by giving it a quick inspection. Here is the checklist you can follow to know about the damage done.

● Check the fluid levels even if you cannot see anything under the spot where the bike fell over. It might be a case of the coolant splashing out of the reservoir, or the braking fluid reservoir cap coming off. Do not ride the bike if the brake fluid reservoir has air in it, the fluid level is low, or it is leaking. The consequences of having air in your brake lines go far beyond simply dropping your bike.

● Inspect your handlebar and ensure the clutch and brake cables didn't break or bend in a way that will make the bike unsafe. Confirm the foot pedal controls in the same way, assuring the shifter isn't jammed and the rear brake pedal isn't locked or jammed.

● Ensure that the motorcycle starts! Some motorcycles include tip-over sensors, which won't immediately turn back. This can usually be resolved by turning the key on and off.

● If you have a bike with carburettors, the fuel may have leaked out, and you will need to give it a few revolutions to get the gas back into the system.

● The main cause of a motorcycle that won't start after tipping over could be a problem with the gasoline supply, such as too much petrol spilling into the engine cylinders. A broken internal switch or a disconnect in the electronics due to the crash could be present in the motorcycle.

● Sometimes too much fuel from the carburettor might be pumped into the engine cylinders when a motorcycle is knocked over.

● The spark plug's contacts may become wet from the gasoline if too much fuel is put into the cylinders, preventing it from sparking.

A motorcycle has numerous connections that must all work together to turn over. The connection to the battery is one of the most crucial. Over the period, the connection created on a battery becomes brittle because of the rust on it. So, inspect the battery for any faults or loose connections, and once this is fixed, you can start your bike.

Even though a two-wheeler has many advantages, it has a unique set of risks. For starters, the possibility of a surprise collision increases the risk of both the rider and the pillion rider suffering injuries and potential two-wheeler damage. This may result in increased financial hardship.

This then makes sense to buy bike insurance online to avoid adding extra expenses to your budget if something unfortunate happens to your motorcycle. Also, ensure that you have the safety gear and important documents handy before planning your trip. Making the right purchase will handcraft you a safer and more immersive riding experience!

Click HERE to buy 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.

Cat eyes reflectors are also known as road studs or raised pavement markers. They are safety devices installed on the roads and reflect or emit light flashes at night. You can commonly see them on roads or highways while driving. Drivers use them as lane markers to guide vehicles on dark roads.

Cat eyes reflectors reflect light to a light source, such as a car’s headlights. Hence, when driving on a dark patch of road, these reflectors reflect back light to your vehicle. This helps you to identify the sides and centre of the road and minimise the chances of a mishap.

Types of cat eyes reflectors:

There are primarily four types of cat eyes reflectors in use.

1. Plastic:
Reflectors made of plastic are the least durable and not as strong as the other types of reflectors. They are good to use on the sides of bridges and highways.

2. Aluminium:
These reflectors are made of aluminium and hence, are strong enough to withstand the load of heavy vehicles. These have reflective objects installed inside them. They are also ideal to use in the middle of the roads because of their strength and durability.

3. Glass:
You will also spot reflectors made of hardened safety glass. They come with a coating on their bottoms that reflect the light back to the source.

4. LED:
LED cat eyes reflectors are the most advanced as they have solar panels on their tops. This acts as their energy source and helps them to emit blinking light at night. They provide the brightest light and have much better visibility than the above three types of reflectors.

Advantages of cat eyes reflectors:

● Enhanced visibility:
The primary advantage of cat eyes reflectors is to make night driving safe and secure and minimise the chances of accidents. They help to make corners of traffic lanes visible at night and ensure that the drivers do not skid away from the roads, especially at dangerous curves.

● Prevent unsafe lane changing:
Cat eyes reflectors mark the lanes on the roads. This ensures that vehicles do not frequently change lanes or swerve from one lane to another, causing accidents.

● Speed control:
Cat eyes reflectors also act as a road rumbling strip. The traffic automatically slows down while passing over them since they act as barriers to speed. Thus, they help to control rash driving.

● Durable and easy to install:
These reflectors are very durable, economical, and easy to install than other lane markers. They do not come out by themselves when attached to the roads. Also, there is very little chance of their theft. Hence, they have a very long life.

● Multi-coloured:
Cat eyes reflectors are multi-coloured. While this increases their aesthetic beauty, each colour has a special meaning too. White reflectors denote lane divisions and centre marking on the roads, and red reflectors denote lines that we cannot cross. Green reflectors denote the lines we can cross, such as entrances to service lanes.

Cat eyes reflectors are excellent warning devices on roads inside cities and highways. They have a special role on highways since there are few streetlights, and vehicles run at high speeds. The governments have increased their usage in recent years. It is a step in the right direction as they enhance the safety and security of all types of vehicles plying on the roads.

Similar to cat eyes reflectors, online motor insurance takes care of our vehicles in the best way possible. Buy motor insurance online and receive the safety and security of insurance combined with the convenience of buying it right from your home or workplace without visiting the insurance office personally. Hence, it is the best form of comprehensive coverage and the most recommended one.

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 Covid-19 pandemic has led to a demand for health insurance policies. People are now aware of the importance of health insurance cover in case of sudden hospitalisations and expensive treatments. Moreover, many people also opt for it to avail of tax benefits.

Let us take you through a few lesser heard facts about health insurance plans in India. This will facilitate you to make a better and informed choice if you are also planning to buy a health insurance policy for yourself and your family.

1. NRI health insurance policy:
It is now possible for a non-resident Indian (NRI) to avail of health insurance cover in India. An NRI person will have to submit residence proof along with other necessary documents. Companies use Indian parameters to ascertain the cost of the treatment and premium amount. The treatment will have to be done in India to enjoy the policy benefits.

2. Pre-existing diseases:
Yes, you can get health insurance coverage even with pre-existing diseases. The insurance company will start coverage after 36 or 48 months of buying the policy, as per the terms and conditions. You will have to disclose the ailment at the time of buying the policy; otherwise, the insurance company can reject your claim at a later date.

3. Limits:
There are sub-limits set under your policy cover for certain types of expenditure. Generally, insurance companies put a cap on room rents based on the total sum insured. For example, suppose your total policy cover is 10 lakh rupees, and the room rent has a cap of 1% of the total cover. You are eligible to spend only Rs.10000/- a day on the room rent. You will have to pay it from your pocket if it exceeds that amount.

4. Recharge of the insured amount:
Exhausted your health insurance coverage amount? No need to worry. Some insurance companies allow us to recharge or upgrade our policy cover amount! For example, suppose we have insurance coverage of 5 lakhs INR, and it gets exhausted. We can opt for the refill and reinstate the cover if we need it over the remaining tenure.

5. Daycare coverage / Maternity coverage:
Many health insurance companies have started providing cover, even for daycare procedures. The patient need not be hospitalised for over 24 hours to benefit from the cover. This has made it convenient for people undergoing procedures such as chemotherapy, dialysis, radiotherapy, etc. Similarly, some policies now provide us coverage for maternity-related expenditures as well.

6. No age restriction:
Some insurance companies have started providing health insurance coverage without restricting the insured's age. People over 65 years of age can also get health insurance coverage now. Moreover, they can also buy a family floater plan and get coverage for their spouse and other family members as well.
The policy will remain functional and valid until the insured continues to pay the premium for the policy timely. They cannot deny the coverage with the growing age of the insured.

7. Reimbursement policy:
When purchasing, we generally check the network hospitals first in our health insurance policy in India. It is believed that the policy benefits will apply only in those hospitals. This is not the case.
Coverage is valid and works even when admitted to a non-network hospital. It does not matter if it is not on the list of eligible hospitals for cashless treatment under a policy. Patients will have to settle the bill themselves at the time of discharge. The insured will get reimbursed from the insurance company at a later date after the submission of all the required documents.

One should carefully go through the terms and conditions of a policy before opting for it. You should not just get lured by a low premium amount. It may exclude coverage for certain treatments and facilities, and you may suffer later at the time of need. The benefits and coverage provided under health insurance plans in India vary from one company to another. Hence, be prudent and choose your health insurance policy wisely.

Click HERE to know more about the best health insurance plans 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.

When we talk about travel, everyone likes to get some discounts and save money on expenses. You can save on many things, like a flight, a place to stay, food, insurance, car rental, etc. Always remember that an insurance plan is essential as it helps cover many things, like your flight getting cancelled or your baggage being stolen. Buying general insurance India is a prudent practice when planning your trip

Here are some valuable suggestions which help you reduce travel expenses, irrespective of the destination. Travel smart with our nifty tips!

1. Compare flight tickets online:
Nowadays, comparing fares of different airlines has become convenient online. You can browse a third-party site on your browser, type in your location, destination, and return trip, and instantly get the list of available airlines. Book your ticket 4 to 5 months before your departure, as booking at the last minute can be costly.

2. Try to travel by train:
Train travel is slower than air, but it can save you a lot of money. Book your train tickets online to access different options and avoid paying any commission to the agents.

3. All you need to do about your luggage:
You should know that checked-in baggage fees can add up, especially when you travel by air. Try packing a single carry-on luggage, and you can avoid wasting time checking in and picking up luggage during transit or when you land at your destination. Also, you may buy online general insurance India before your journey to cover the loss or theft of bags and avoid the fear of losing your baggage.

4. Get the best hotel deals:
Most people go for big hotel brands, which ensure a luxurious stay, but there are several charges for amenities you might never consider using during your trip. Overbooking also makes these hotels expensive and crowded.
Opting for affordable hotels that provide excellent amenities and hospitality is a smart way to save money. When planning your trip, you can research and compare the budget and facilities of different hotels through different online hotel booking portals.

5. Book activities ahead of time:
Most people mistakenly buy tickets for museum entry, park admission, and other activities on the spot or when the prices rise due to too much demand. Book tickets for such activities before you visit them and avail yourself of discounts and rewards. You can also get a group discount if you are travelling in a group.

6. Use rewards programs:
Joining rewards programs offered by airlines and hotel chains can help you snatch some fantastic deals. If you plan to visit multiple cities during your trip, book your first hotel and use your accumulated points to book the next one at another destination.

*A smart tip to save more on your transportation
When visiting a new destination, search for the available public transport in that city and book them in advance if you plan to explore the location during the busy season. Don’t be afraid to ask the locals about transportation & the best places to be & eat. This helps save money and explore the city in & out from the view of a local!

Follow these tips to plan a perfect trip without putting much strain on your pocket. Get good general insurance India that covers several things. Look for special coverage in your insurance if needed. If you smartly know how to use online resources, then you’ll successfully execute budget-friendly trips almost every time.

Click HERE to buy general 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.

Do you think you find yourself mislead while purchasing car insurance? Most people lack knowledge of car insurance coverage, legal terms, and exclusions. While we understand the core concepts of it can be vague, it is essential to understand the advantages and limitations of the car insurance policy. So, the best way to get to the crux of this is to read this blog until the end.

First-time car insurance buyers have numerous questions bombarding their minds and leaving them clueless about making the right choice. In this space, we will be looking at the most frequently asked questions so that you can choose the best-suited policy.

1. Is it mandatory to take a car insurance policy in India?
Yes, it is indeed mandatory. As the days pass, we witness an alarming increase in road accidents. According to the Motor Vehicles Act, 1988, it is stated that while driving on Indian roads, it is essential to have a car insurance policy to drive legally. At the very least, you must possess a third-party car insurance policy.

2. Is it necessary to buy car insurance for old cars?
Whether old or new, you must purchase insurance for all types of cars. But the only thing that stands out when buying old car insurance is the premium amount. It is comparatively lower since the market value goes down as time passes.

3. What are various types of car insurance available in India?
At present, there are only two types of car insurance policies available. Third-party car insurance policy is most commonly in demand. It includes both third-party financial and legal liabilities that the policyholder is covered.
The second most popular, comprehensive car insurance, has more excellent coverage of damages. It is said to be the most efficient in terms of protection. The liabilities arising from vehicle damages of the driver/owner and third-party liabilities are covered.

4. What does no claim bonus mean in a car insurance policy?
Throughout the policy tenure, if a policyholder does not claim, then the respective insurance company issues an NCB (no claim bonus).

5. What are the additional covers?
To enhance protection, the insurance companies provide additional covers. These include engine protection, roadside assistance, and zero depreciation. This is entirely optional and, when chosen, needs an extra premium to be paid. Add-ons can be effective as an immunity booster for your insurance plans.

6. Do the online car insurance policy documents have the same validity?
Yes, both printed and online insurance policies have the same validity. You receive the documents through email if the policy is purchased online. You can save it or choose to download the same. Online car insurance has the massive benefit of having the freedom to purchase independently. You can directly visit insurance providers' websites and surf multiple options that suit your needs.
Technology is shaping the future of the insurance industry and is providing customers with the convenience and liberty of making purchases without the involvement of intermediaries. This significantly reduces the cost and makes the process hassle-free.

Investing in securing your assets is the intelligent choice to manage your finances and stay stress-free during emergencies. We are sure you have a basic idea of concepts in car insurance. And now, you can ask the right questions while you buy one upon your next renewal or new car insurance.

Click HERE to know more about the process of buying 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.

Are you somebody who recently bought a vehicle or is planning to buy one? If your answer is yes, you already know how crucial it is to learn to drive from a professional. We live in a world where everybody is busy with their routine. As a result, learning to drive all by yourself can get overwhelming. However, it'll be better if you attend a driving school to get the best results while minimising driving risks.

These institutes will provide you with appropriate training and precise knowledge to make things more convenient. There are several schools available these days, and you may choose among any of them depending on your preferences, requirements, and budget.

Let us now take a detailed look at why you should enrol in a driving program.

1. Professional training:
One of the main reasons you should attend driving classes is that these schools will provide you with appropriate professional training. If you pick the best school, you will get access to practical and theoretical knowledge, making it convenient for you to get the best help under professional guidance.
Not just that, but they will also teach you how to drive while maintaining traffic rules effortlessly and effectively. In addition, you learn to operate in a safe environment, which significantly boosts your confidence.

2. Safe-driving practices:
The second reason you should take a driving school's help to learn more about different safe-driving practices. If you are scared of driving, this factor will help you by a wide margin.

3. Know about the different rules and regulations:
Another reason you should join a driving school is that they will teach you the rules and regulations you must follow. Not just that, but they will also help you understand more about traffic signs and what to do when you see one.
Driving schools provide their students with new and improved guidance for the best results. All of these factors will help you abide by the law and avoid violating them.

4. Driving habit improvement:
If you already know how to drive but wish to enhance your driving habits, the best thing you may do is enrol in a driving program. You will be trained by professionals to acquire the best guidance.
They will help you learn more about the different techniques and how to get out of a problematic situation on the road. This factor will also assist you in avoiding accidents and make you ready for any challenges that you might face in your day-to-day driving.

Although learning to drive is a long process, it is necessary because it helps you become a responsible driver. An efficient and reliable driving school focuses on training you on the safety aspect, knowledge of traffic signals, and helping you learn the driving rules. Before taking charge of the steering wheel, you must ensure that you prioritise all measures needed for a safe ride for you, your vehicle, and the other commuters on the road.

Fasten your seatbelt before giving the ignition, keep all required documents handy, and lastly, buy new car insurance if you don't have an existing one. Insurance is not just to avoid paying fines but, most importantly, to protect your asset with reliable coverage.

Click HERE to buy new 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.

A maternity health insurance offers financial support for childbirth. It pays for a hospital stay for a natural birth or a C-section. The insurance covers the delivery and baby care up to a certain number of days in the hospital.

Purchasing maternity insurance online offers the following advantages:

1. Time-saving and hassle-free buy.

2. A quick-click option to compare insurance policies.

3. Online promotions like coupons, points, etc., one can save money while making a purchase.

4. There are no agent commissions because insurance companies or aggregators also sell products online directly. As a result, online maternity insurance is less expensive.

5. You can purchase the maternity insurance plan from the convenience of your home or workplace.
 

Terms and conditions for maternity insurance:

1. The maternity benefit will expire along with the base plan.

2. India's Insurance Regulatory and Development Authority has set rules to change the benefit amount.

3. Maternity insurance benefits are available only in India.

4. The claim will be paid out in Indian rupees.

5. There will be a set number of days of waiting before one can use maternity benefits

Add on covers for maternity insurance:

The maternity insurance itself is available as an add-on to the base plan. The basic plan is regular health insurance coverage that provides financial protection in a medical emergency. It pays for hospital bills as well as other healthcare-related costs.

Maternity health insurance eligibility requirements:

● The exit age has been set by certain insurers at 45 years of age, with the entry age being 18 years.

● Some insurance providers allow the maximum number of maternity claims for two children. If you lose something, there can be exceptions.

Required paperwork to support a maternity claim:

● ID verification and a discharge summary

● A claim form, a health insurance policy

● Pre-authorisation document for claims involving cashless payments

● Prescriptions for drugs and other products

● Any other paperwork that the insurance provider may ask

What is the procedure for filing a claim for maternity benefits?

Cashless claim:
For a cashless claim, the birth must occur in a network hospital. The insurer must be aware of the claim at admission to a network hospital. The policyholder only needs to pay a small amount toward deductibles after the claim is authorised, and nothing further is necessary. The insurance provider will handle all additional costs immediately.

Reimbursement claims:
For such claims, the policyholder is not required to receive treatment at a network hospital. You may use any hospital of the insured's choosing for delivery. To file a reimbursement claim, the policyholder must maintain a record of all relevant paperwork and invoices

Why should you purchase maternity health insurance?

1. Financial support:
In some regions of India, the cost of giving birth and having a baby can range from 50,000 to 100,000 rupees. One can assume that if a woman buys pregnancy insurance, she and her baby will have access to better medical facilities with the support of maternity health insurance.

2. Surgical deliveries are expensive:
Natural birth can be hard on both the mother and the baby, which is why a surgical or cesarean delivery is sometimes needed. In this situation, the baby is delivered by major abdominal surgery. A natural delivery is substantially less expensive than a cesarean section. The mediclaim policy with maternity coverage may pay for these expenses.

This add-on of health insurance ensures peace of mind for the parents. Once the cost of a maternity cover is offset, expecting parents may concentrate on savouring this significant life event. You can make plans for the baby's name, nursery design, baby welcome celebration, and much more with a clear head. Consider purchasing this useful and efficient add-on cover to make your parenting time more memorable and stress-free.

Click HERE to buy the health insurance policy for new 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.

Tubeless tyres have been a great invention to make the lives of car owners more convenient. Despite the extra cost as compared to tube-type tyres, these make driving a lot safer by preventing the vehicle from losing balance with a sudden tyre puncture. Tubeless tyres have an air cushion between the tyre and the rim. This prevents air from rushing out of the tyre in case of puncture and allows the slow discharge of air.

With these enhanced safety features, it is not surprising that tubeless tyres are preferred over ones with a tube. But with these advantages comes the complexity of changing it when it experiences a puncture.

This blog aims to give you the information you can use to identify and fix punctures in tubeless tyre easily.

Tubeless tyres are relatively easy to fix. Spending too much money on a mechanic to fix it is not advisable. But it is important to thoroughly inspect the tyre before getting your hands dirty. This will prevent you from missing out on additional punctures that might not be visible at first glance.

Tools required:
Buy a puncture repair kit from your nearest car spare parts shop. This repair kit will include a rasper, rubber strips, and a strip insertion tool. You might also need pliers and a knife to remove any external substances stuck on the tyre. You will also need a tyre inflator to fill in the air lost.

Procedure:
The procedure is slightly more complex for the back tyres because of their inability to be steered as easily as the front ones. For the back tyres, a jack must first lift the vehicle and remove the tyre to fix it.
1. Pour some water onto the front and back tyres to locate the puncture. If it's on the front tyres, it will be enough to steer it from left to right to access any holes. However, remove the tyre if the hole is on the back tyre.
2. Use the plier to remove the sharp object that punctured the tyre.
3. Next, you need to make a smooth hole of an appropriate size to insert the rubber strip to fix the puncture. To achieve this, take the rasper (also known as a smoothening tool) to smoothen the hole created by the sharp object.
4. Leave the rasper half embedded in the tyre.
5. Some sewing tactics will be a necessity here. Carefully insert the rubber strip into the insertion tool without disturbing rasper. This will be a similar process to threading a needle.
6. Carefully extract the smoothening tool from the tyre, replace it with the rubber strip, and shove the entire length into the tyre. As this process is completed, remove the insertion tool.
7. The knife will make its appearance at this step. Carefully cut the strip that protrudes out of the tyre.
8. Use a tyre inflator to fill the air which had already escaped from the tyre. A portable tyre inflator is available online or in your nearest car parts shop.

Although it is safe to drive a vehicle with a punctured tubeless tyre for a certain distance, it's best to get it fixed as soon as possible. Driving with punctured tyres is risky and can invite unwanted trouble. Also stay protected with comprehensive insurance for your vehicle. Buy car insurance policy online and get the perks of reliable coverage that can safeguard your car against mishaps and expenses.

Click HERE to know more and buy car insurance policy 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.

Travelling by car is one of the most exhilarating experiences that you can have. It is fun with friends, family, or even your partner. It adds to the charm of the journey and makes everything all the more exciting. However, owning a car can be a hassle in itself. You need to have enough money to purchase and regularly maintain it.

Renting a car is one of the prevalent alternate options for hassle-free driving in India. You can easily rent a car in India for a weekend getaway, road trip, or family emergency.

But what happens if any damage is done to the rented car? Well, that's when the Collision Damage Waiver comes into play. If you do not know much about it, this article will help you navigate it. It is like private car insurance India for your rented car. Let's find out more about it.

What is a Collision Damage Waiver?

As the name suggests, the Collision Damage Waiver protects your rented car if a collision occurs. This is an insurance cover that is easily bought with a rented car. You will be waived off all the damage fees or compensation when a collision occurs. However, every insurance company must have different terms and conditions for this coverage. You should read them carefully before you buy a Collision Damage Waiver.

Although renting a car in India is easy, simple, and reliable, most details are still unknown to the general public. One such detail is insurance coverage. It is crucial to always opt for private car insurance India for your rented car. This will protect you from the extra fees or bills you need to pay in case of a collision.

Imagine this hypothetical situation. You are driving an extremely narrow or hilly road with your friends, and you fail to see a coming vehicle and lose control of your car. This may cause you to hit your car on a pole or tree, leading to several dents and damages to the rented car.

Now, what will happen in case you have a Collision Damage Waiver?

What is covered under the Collision Damage Waiver?

Several things are included in the cover of your rented car under the Collision Damage Waiver or CDW. These are:

● Damages or dents to the rented car

● Theft or loss of the rented car

● Towing the rented car to the nearest garage

What is not covered under the Collision Damage Waiver?

Before purchasing the insurance cover, you should also have a brief idea about the things not included in the cover. These are:

● Violation of traffic rules and the damages caused due to that

● Damage to third-party properties

● Damage to other people

● Any damage to the things present in the rented car like gearbox, wheels, windshields, etc.

Renting a car is a growing norm among the new generation. You can easily rent a car for yourself with a single click. The whole process is available to all without any hindrances. However, you must consider all the possible options before you buy the Collision Damage Waiver for your rented car. It has many benefits that can save you from paying the bills of damage to the car. It is recommended to always be on the safer side and purchase private car insurance India coverage in advance before you use the rented car.

Click HERE to buy reliable private car insurance India for your rented 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.

Two-wheelers are the most convenient mode of transport in India. They are budget-friendly, easy to handle, and come with multiple features and various designs. This makes them a popular choice amongst Indians to travel on narrow, inadequately maintained roads with constant traffic due to poor driving etiquette.

While vehicles are no longer designed to fit the fancy of a specific gender, it is easier for women to choose the suitable model, manoeuvre it and ride on the road.

If you are a woman or even a beginner looking to buy a new two-wheeler, here are some features you should look for to find your perfect ride.

1. Budget:
It is only possible to purchase after deciding the budgeted expenditure. Keep in mind the expected utility, life of the vehicle, and additional expenses of fuel, maintenance, and insurance while fixing a budget. With the plethora of options available, it should not be difficult to find a 2-wheeler within your budget, which can range upwards from ₹50,000. However, fixed expenses like 2 wheeler insurance online and servicing are additional costs that are often overlooked.

2. Build and size:
Of the multiple brands in the market, it is challenging to differentiate between models since they are built similarly. Riding comfort is highly dependent on the size of the two-wheeler. Make sure to sit on a stationary model and check if your feet touch the ground, which is a must in situations where sudden brakes are to be applied.

3. Vehicle weight:
Choosing a two-wheeler heavier than you can handle is the worst mistake a rider can make. A test ride and a general inspection will make you aware of its weight and your capability to handle it. By ensuring you can control its weight, you can prevent accidents, put the vehicle on and take it off the centre kickstand easily.

4. Mileage:
Two-wheelers usually provide a mileage of upwards of 35 kmpl. The higher the mileage, the greater the value derived. The advertised mileage is to be considered only when driving on highways. For congested cities, most two-wheelers provide a 35-50 kmpl mileage.

5. Engine capacity:
The power of the engine or engine capacity determines the fuel efficiency and smooth running of the vehicle. Scooters with an engine capacity of 110cc to 150cc are popular for city rides or short-distance travel for women to work and visit the supermarket.

6. Storage capacity:
Unlike a car, a two-wheeler is relatively compact, providing less storage space underneath the seat. Usually, the under-seat storage accommodates a helmet and a few other things. Presently, the largest under-seat storage available is 32 litres. While no additional designated storage space exists, you may have a top storage box fitted at your back seat.

7. Auto start:
Just like automatic transmissions are preferred over manual transmissions in cars, a two-wheeler can have a kick-start or an auto-start. Auto-start is a convenient way to start the two-wheeler by engaging the brakes, accelerating, and using the auto-start button. Kick-start requires physical effort to run the vehicle and is generally not preferred. However, purchasing a two-wheeler that provides both options is best in case one of the mechanisms fails.

Considering the ease of riding a two-wheeler, it is accessible to women of all ages in different economic strata. By following traffic rules diligently and purchasing the best-suited two-wheeler along with 2 wheeler insurance online, you can ensure safe driving and fewer accidents and allied financial burdens.

Click HERE to buy 2 wheeler insurance online.

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

Car insurance is mandatory by law for every car owner in India. Also, it provides us adequate protection against accidents and third-party cover. However, some exclusions or incidents are not covered under a standard car insurance policy. Some insurance agents might not tell you about them explicitly to sell more policies, but you need to be aware of all the essential terms and information at the time of purchase of the policy.

Let us go through some of the key exclusions.

1. Damages to tyres and electrical components:
A car insurance policy does not cover the tyres of your car. They are bound to wear and tear with regular usage and time. Also, your insurance policy will not cover any damage to your car's electrical components and wiring. These include lights, music system, central locking system, etc. Damages can occur because of mishandling, rough weather, short-circuiting, pests, rodents, etc., but you have to vent your pockets to cover these damages on your own.

2. General wear and tear:
Your car insurance policy will not cover your car's general wear and tear that happens with time, usage, and weather conditions. Hence, the policy will exclude damages such as scratches and dents, rusting of the body, etc.

3. Damages caused by man-made events such as war:
Your car insurance policy will not cover damage to your car because of man-made events such as a war. It will also exclude damages from a nuclear explosion, chemical attack, terror attack, etc.

4. Driving under the influence of alcohol:
Your insurance company would not be liable to accept your claim if you or your driver were driving under the influence of alcohol or any other toxic substance such as drugs at the time of the accident. We advise you not to drive after drinking. Instead, take a cab to your destination and stay safe.

5. Ape hangers:
Half of the bike enthusiasts consider these the most comfortable set of handlebars available in the market. For tall riders, these can be the most comfortable, while for others, if it is not set according to their height, the hands and back would go numb. These give a more upright position and eliminate the need to hunch over. These are supposedly the best handlebars in the market for long road trips.

6. Intentional damage:
Your car insurance policy will exclude any claims against damages to the car or any property caused intentionally by you.

7. Expired policy:
Always renew your car insurance policy well in time because your claim will not be passed if the accident occurs after the expiry of your policy. The insurance company will reject your claim even if you have applied for renewal, but your policy was not active at the time of the accident.

8. Oil leakage:
Your car insurance excludes damage to your engine due to leakage of oil.

9. Pledging of car:
If you have pledged your car to someone else, and the person meets with an accident, the insurance company will not pass your claim.

10. Invalid driving licence:
An insurance company does not cover you if you were driving without a valid driving license at the time of the mishap. It is recommended to have valid documents handy while driving a car.

11. National territory:
An insurance company is liable to pay for your damages only if you sustain them while driving in the national territory of India. Any damage outside India, say Nepal, will not be covered under the policy.

12. Re-appeal clause:
You have 12 months to appeal to the court if you feel that the insurance company has wrongly rejected your insurance claim. After this time period, you cannot appeal against the insurance company's rejection.

One must always be aware of the above situations under which your car insurance policy will not protect you. However, protection against some of the above incidents can be bought by buying a zero-depreciation policy instead of a regular car insurance policy.

You can also buy separate covers and add-ons such as an invoice cover, engine protector cover, etc., which will give you added protection. Always ensure that you go for the best car insurance company in India that gives you a clear picture of all the inclusions and exclusions right at the time of purchase of the policy.

Click HERE to buy insurance from the best car 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.

India has a massive population of automobile owners plying their vehicles on the roads daily. Spotting people with varying personalities and driving habits is common. They exhibit different skills and traits, which can broadly divide drivers into the following six categories.

1. The learner:
Learners are drivers who are new to this experience. They have recently started to drive vehicles and are trying to be perfect at it by practicing and driving regularly. Since they are not pros at driving, they are usually submissive and try to be helpful and cooperative with other drivers on the road.
They drive slowly and carefully and may sometimes show nervousness while driving. Sometimes it can be annoying to drive behind a learner because they can brake suddenly and stop abruptly on the road. Also, they swerve their cars when changing lanes while trying to be in the right lane.

2. The distracted driver:
This is the most common type of driver in the recent era of social media and telecommunication. They try to answer every call and reply to messages they receive while driving. They tend to behave as if the world will stop if they do not answer their phones or make that call.
They display signs of anxiety and tend to check their social media feed. Many even try to record videos and click pictures while driving, putting everyone around them in danger of an accident.

3. The speeding driver:
Such drivers tend to drive their vehicles at high speeds, often above the recommended speed limit, inviting risk and increasing the possibility of accidents. They behave as if the world's end is near and they must reach their destination before it finishes.
Such drivers usually drive rashly and pose a risk to other vehicles around them. High speed means lesser control of their vehicles. Hence, one should avoid getting into a street race and let them pass quietly. Otherwise, you may risk your and your co-passengers' lives unnecessarily.

4. The violent driver:
Road rage cases have been on a high in India in recent years. They are due to drivers belonging to this category. Such drivers lose their cool on the roads due to heavy traffic and start fighting with other drivers around them.
They start driving rashly, dangerously overtaking other vehicles, and swerving their cars wildly. They can even stop abruptly, enter into brawls, and attack another driver if the situation worsens. People tend to vent their frustration on the roads, creating unnecessary chaos.

5. The honkers:
This category of drivers believes they can remove the traffic in front of their vehicle by constantly honking. Doing so adds immensely to the already high noise pollution around us.
As the traffic signal turns green, they will start honking as if the vehicle in front of them is driving slowly or stopping the traffic. Such drivers cause unnecessary nuisance and may display signs of a violent driver if you do not let them pass.

6. The Pros:
This is the best category of drivers, and you would want them to be around you while travelling. They show how good they are at driving and controlling the vehicle. They pay attention to the safety and comfort of the passengers in the car.
They are cautious and vigilant and avoid rash driving by following all traffic rules. Instead, they effectively find their way out of traffic without using useless honking or rash driving. Also, they avoid entering into altercations with other drivers and have good control over their emotions.

Like humans, car insurance also has several features and qualities and varies from company to company. They may differ in premium, coverage terms and conditions, inclusions, exclusions, etc. Hence, you should research thoroughly and buy the best car insurance policy as per your specific needs and a better return on investment.

Click HERE to buy the best car 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.

Road accidents continue to be the leading cause of death in India. In the metro cities, the need to ride at a blistering speed is overwhelming. In this process, you tend to slip the clutch while struggling to switch off the motorcycle. As the phrase goes, "Haste makes waste", it can't be more accurate. You not only risk jolting forward but also the likelihood of accidents is concerning.

As per the World Bank report, "India tops the world in road crash deaths and injuries. Around 11 per cent of all road crash deaths are witnessed in India, which corresponds to 53 accidents every hour; taking one life every 4 minutes".

By this point, you all must be wondering what can be an efficient way to eliminate this problem. The ideal solution is a kill switch to wind down a motorcycle.

This blog is a comprehensive guide to understanding the purpose of a kill switch.

With this emergency stop, you can rapidly turn off the bike without withdrawing your hand from the handle to reach for the key. To turn off the power, you just have to use your thumb. In short, this safety mechanism can save your life in an accident.

Turning off the motorcycle instantly seems like an unusual idea. But in general, while doing so, we put the bike’s mechanism at risk. The kill switch is designed in a way to mitigate this problem. It swiftly breaks the contact with the ignition coil. This is a very straightforward mechanism to shut the engine off. It is also convenient, considering how by keeping your hands on the handlebars, you can engage the kill switch more immediately during an emergency.

All in all, this is a simple, direct emergency shut-off switch that clicks the device off. It is an essential safety feature that enables the rider to turn off the motorcycle when it is impossible to do so manually.

All you have to do is press the red button. If you're a new rider, you probably spotted a scarylooking red switch on your bike's right-side handlebar. So, you now know how a kill switch looks.

In a heavier bike, the rumbling engine is silenced with this mechanism's help. It also aids in handling emergency situations without disturbing the bike's stability. You won't need to glance down to find it because it will be easy to operate after some experience. It is also a quick method to halt your bike for a brief period, to give directions, or in traffic.

Numerous motorcycles are designing advanced technologies to eliminate road accidents. While this is one way to make you feel secure, you should consider other options. In India, it is almost necessary to take insurance for your motorcycle. If it expires, you can apply for an online motor insurance renewal. It is another way to drive safely without worrying about financial losses against insured vehicles, including extensive damages and liabilities. Always keep your insurance policy up-to-date to avoid it from lapsing.

We hope the above information explains the importance of kill switch and online motor insurance renewal. It is always best to have complete knowledge about your vehicle, its parts and their use. This information can help you better understand your bike and stay protected during unfortunate events.

Click HERE to get 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.