GENERAL INSURANCE BLOG

It is difficult for us to pick out the best insurance providers in the market without having in-depth knowledge about the company. You should not choose your insurance company by merely watching their advertisements in the media or by what your agent suggests. Always get in-depth knowledge about the credibility of the insurance company, its financial strength and stability, and the capability to support you financially in times of need.

Here are a few key ratios that will help you better understand an insurance company and which you should consider before buying insurance.

1. Claim Settlement Ratio:
This is the first and foremost ratio you should consider when choosing your insurance company. It denotes the number of claims settled by the insurance company per 100 claims it receives.
Even if an insurance company with a low CSR offers you a policy at a lower premium than others, you should avoid buying it. After all, such savings can be futile if your company rejects your claim during a medical emergency. The whole purpose of buying an insurance policy is forfeited in such a case. Hence, the company with the highest CSR should be given preference.

2. Liquidity ratios: Liquidity ratios tell you how capable the company is of meeting its financial obligations and claims raised by the policyholders. An insurance company should have good liquidity and be able to fulfill its payment obligations in case a huge number of unexpected claims come up suddenly at any point in time. This can happen in catastrophes such as floods and earthquakes when many people may raise insurance claims in a short period.
It also provides information on an insurance company's capability to meet its current liabilities from its liquid assets. A ratio of less than one will mean that the company may have to sell its long-term investments or borrow money to meet its current liabilities. This can be a worrying situation for the company and the people buying its insurance policies.

3. Solvency ratios:
Put theoretically, a company's solvency ratio measures its capacity to meet its debt obligations and other financial commitments. The current solvency ratio prescribed by the IRDAI for insurance companies is 1.5 in India. A ratio lower than 1.5 is a cause for concern for insurance buyers. It may result in bankruptcy risk if the company faces many sudden claims.

4. Earnings ratios:
The following two important earnings ratios ascertain the profitability of the insurance company and its competitive strengths.
Combined ratio:
There are several operating expenditures, commissions, and claims that an insurance company has to meet. Their cumulative total should be less than the total premium earnings for that period. A lower value of the combined ratio is advisable.
Return on net worth:
This ratio tells us the profit-earning capacity of an insurance company concerning its net worth. It considers the profit earned by the company after tax and indicates the overall return on equity of the insurance company. A higher ratio is better and preferable.

It is an arduous task to choose the best insurance company in the market, especially when so many big companies operate in the field of general insurance. A buyer should carefully review the above ratios and rate the available options accordingly. Before buying its policy, a good understanding of the insurance company is of utmost importance.

A policy buyer should be confident that his decision to choose one insurance company over another is sound and backed by statistics and numbers. After all, the insurance company should stand by his side and provide him hassle-free financial assistance in times of real need and emergency.

Click HERE to buy the best general insurance that keeps you financially safe.

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.

Standalone own-damage car insurance is optional, unlike third-party car insurance. However, you must buy your standalone damage car insurance since it will help you get coverage for damages to your car during an accident or a natural or man-made disaster like a fire outbreak, theft, flood, etc.

What is covered under standalone damage insurance?
By looking at what this policy covers, let's better understand how standalone car insurance functions. A typical own-damage policy will protect from the following:

● Accident-related damages or total loss

● Vehicle theft

● Damage that is beyond repair as a result of fire, lightning, explosion, or self-ignition

● Natural calamities such as landslides, earthquakes, or floods can cause damage

You can file a standalone damage car insurance claim with your car insurance provider if your vehicle is damaged as a result of one of these events. Nowadays, raising a standalone damage car insurance claim is simpler than ever before. You can visit the insurer's website, log in, complete a form, evaluate the damage to your automobile, and then make repairs after the claim is approved.

Factors that affect standalone car insurance premiums.

Your standalone car insurance premium can easily be impacted by a change in any of these variables.

1. Insured Declared Value:
Your car's IDV, or insured declared value, is its current market value and a key component in calculating its own-damage premium. If you decide to give your car a greater IDV, your standalone car insurance will be expensive.

2. Age of the vehicle:
Your vehicle depreciates with time and loses value. As a result, if your car is older, your car insurance premium will decrease.

3. Your location:
If you drive in an urban, congested area, such as a big city, your own-damage auto insurance rate will go up. This is because there is always a chance that the car will be stolen or damaged. The danger is also lower, and the premiums are lower in smaller towns and villages.

4. Car safety:
Installing safety features on your car reduces the possibility of damage. For instance, airbags reduce the likelihood of your vehicle sustaining damage, minimising car insurance premiums.

5. Model of the vehicle:
Any damage caused by an accident to a pricey or luxurious vehicle could be very costly. Due to the high risk associated with such a vehicle, the standalone insurance policy premium for own damage will also be expensive.

6. Engine cubic capacity:
Your car's engine cubic capacity significantly impacts your premiums. Compared to vehicles with engines under 1500cc, the damage premium for vehicles with an engine capacity beyond 1500cc will be higher.

7. No Claim Bonus:
When you renew the policy, your rates will be reduced if you haven't made any claims for auto-related damages during the policy year. As a result, avoiding these claims allows you to pay lesser premiums for your standalone own damage insurance.

Who should buy standalone damage insurance?
If you just have third-party auto insurance at the moment, it is advised that you purchase your standalone damage coverage. It increases the range of protection for your vehicle during emergencies like a car accident, a man-made disaster, or a natural disaster.

Here is the formula to calculate standalone damage car insurance premium:

You must know your car's Insured Declared Value (IDV). Using the formula below, you can easily determine your four-wheeler's IDV:
IDV= (showroom price - depreciation cost) + (cost of any car accessories - depreciation cost)

Once you know your car's IDV, you may use the following method to determine the cost of standalone own damage insurance:
Standalone Damage premium = IDV X (Premium Rate) + Add-on Covers - Policy Discounts and Benefits

Check for new car insurance rates before investing in standalone damage insurance. Contact your insurance provider to get the desired answers if you have any queries.

Click HERE to buy a car insurance policy.

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

The onset of the pandemic initiated an active interest in maintaining health and ensuring health insurance policy renewal. However, the quarantine brought with it several other challenges. Schools, colleges, workspaces, and other leisurely spaces such as parks, gardens, and malls were closed. The average person was stuck in a difficult predicament.

Even post normalisation, the main barrier to fitness is the lack of time in an individual's busy schedule. Be it a student or a working professional, going to the gym may only sometimes be possible. Finding the time and an easy-to-access nearby gym within your budget is strenuous. The one-stop solution to all these problems is working out at home. It seems like an arduous task, but once you can take out some time for your workout during the day, these hacks will significantly help.

In this article, we will explain how an effective equipment-free workout routine is perfectly attainable!

Before we start, here's a pro tip: You can use household items for greater resistance training. Getting stronger, fitter, and leaner is achievable without regular gym equipment like dumbbells. Use standard cans instead of hand weights and your laundry basket as dumbbells. A pile of your books works too! Creatively use weighted household items to enhance the effectiveness of your workout.

Exercises to start with when working out at home

1. Body weight squats
Bodyweight squats are a staple across all home workouts, irrespective of fitness ability. Depending on the variation you engage in, you can strengthen your back, glutes, calves, core, and thighs and maintain great posture. Start with a basic squat and gradually take on advanced forms of the humble squat.

2. Push-ups
Push-ups are one of the most common yet tricky exercises. They are an all-in-one solution if you are short on time and need to get your blood pumping quickly. With variations suitable for different age groups and fitness strengths, push-ups are a universal favourite for fitness freaks. It engages the chest, arms, shoulders, and core and improves overall balance. Being one of the most effective yet challenging exercises for your upper body, it is a must-try.

3. Walking lunges
This works best with an open space, like a long corridor. It targets the midsection of your body effectively and helps maintain posture. Always keep your back straight to avoid injuries.

4. Plank
Simply the starting position for push-ups, this exercise will engage your core and abs extensively if done in 45-second intervals. Make sure to keep your back straight. A simple online search will help visualise the exercise. However, do not be fooled by its simplicity. It is challenging to maintain this position, irrespective of your current fitness abilities. Start slowly in 5-10 seconds and gradually increase your plank duration.

Once you're comfortable with the exercise, look up variations that can help engage multiple muscle groups, making for a comprehensive workout. Before participating in such intensive training, consider health insurance policy renewal to protect yourself against the medical costs of any health emergency or accident.

Lastly, but most importantly, don't forget to warm up before each workout by doing a couple of jacks, marching on the spot, and knee bends. This will prevent you from injuring yourself by pulling a muscle. However, injuries are unpredictable while doing a high-intensity workout. Therefore, health insurance policy renewal should be a top priority to avoid losing on to the financial benefits.

Click HERE to know more about health insurance policy 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.

While purchasing a car is a huge deal, that is not all. You also need to invest in the upkeep and maintenance of your vehicle to increase its longevity. The car manufacturers have a set of rules and regulations regarding the servicing and maintenance of your car, like the distance limit before the first servicing, availability of the original parts, the fittings, etc.

Do you need clarification on authorised service centres and local garages to ensure your car is in its best condition? Here’s all you need to know.

1. Professional mechanics:
Authorised service centres provide you with the best-seasoned persons and specialised mechanics to service a particular company or type of car. These mechanics can have a closer look and understand any unusual issue that might pop up in your vehicle. They can provide the best insights and the accurate method to rectify the problem.
Local garages have mechanics, but their professionalism might require validation. They have a reputation for using the quickest methods or resolving issues using trial and error without actually having a deeper understanding of the working and what consequences the current problem might have. Lack of proper servicing can lead to a decrease in the life of the car, hefty costs of damage repair, and cause more troubles in the functioning of your vehicle.

2. Latest gears and equipment:
The authorised service centres always ensure that they have the latest equipment as prescribed by the companies for various models of their cars. As the brands are manufacturing vehicles with advanced technologies and upgrading their features, the spare parts and other gears should be upgraded without meddling with the warranty, even if there is a problem with your vehicle.
Whereas, with local garages, this is a massive issue. Usually, they do not have the latest manufacturer-recommended parts for repair, which might end up voiding the warranty and causing further damage to the circuits and other systems of the car.

3. Time consumption and quality of services:
Authorised service centres take complete responsibility for customer care and quality services. While this is a massive plus against the local service garages, the waiting time is quite a factor that acts as a con for these service centres. There is a huge waiting list and a time taking procedure you must go through before you can get your car back in good shape.
If you approach a local garage to fix the issue with your vehicle, you will get your car back in no time. However, regarding the quality, even if it is a coat of paint on a small area that was hit against a harsh surface, you will be able to mark the difference between the fixtures of an authorised centre compared to the local garage.

While local garages provide quick, budget fixes to your issues, it is very evident that the authorised service centres are the smarter option of the two. Your vehicle is a massive investment, so it is wise not to cheap out regarding the maintenance, servicing, and compromising its safety. And you might end up in consequential trouble, which burns a hole in your pocket due to your reluctance to opt for quality service.

So always make an intelligent decision, one of which is to ensure that you purchase the best car insurance in India to stay financially stress-free during any unfortunate situations that might cause damage to your car. You can now buy the best car insurance in India, which is suitable for your needs, from the comfort of your home.

Click HERE to learn more about purchasing 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.

If you have ever randomly searched for road safety statistics relating to India, you would be concerned. According to data provided by many research firms, the road crash severity, i.e., the number of deaths per 100 road crashes, was 38.6. This implies that over a third of road accidents lead to fatalities. Our numbers are also the highest amongst all countries, making this an issue that requires immediate attention.

While infrastructure and planning of roads are partly to blame, so is driver negligence. Considering that over half the vehicles on roads are 2-wheelers, it becomes necessary to practise safe driving since 2-wheelers do not have the bare minimum safety that cars provide and lead to more significant damages if in an accident. With increased regulations, the demand for 2 wheeler insurance has risen steadily.

Still, riders continue to take unnecessary risks in the form of 3 or more riders, underage driving, and helmet-less pillion riders. While your 2 wheeler insurance covers the driver and vehicle, does it also cover pillion passengers? Read on to find out all about it.

Inclusion of a passenger in 2-wheeler insurance:

2 wheeler insurance is considered a comprehensive cover but is not in reality. By carefully reading the fine print, one can find multiple exclusions which can be added to the cover as an add-on facility. One such cover is to protect your passenger.

If you are considering whether or not to purchase the add-on, we strongly urge you to do so. Since two-wheelers are more vulnerable to accidents, minimal damage to the riders is inevitable. While your comprehensive plan covers you and your vehicle, buying an add-on will insure your pillion rider's life.

Inclusions of the add-on:

The add-on primarily lightens your moral responsibility towards your pillion passenger to keep them protected as long as you're responsible for their safety. In the following events, the insurance company approves the claims filed:

● Compensation for the death of the passenger to their legal heirs

● Payment in case of partial or permanent disability to the passenger

● Reimbursement of hospitalisation expenses incurred to treat the passenger

Who should consider buying the add-on:

While 2 wheeler insurance is mandatory for all, we recommend considering a pillion-passenger add-on as the same. However, suppose any of the following cases apply to you, then consider purchasing it at the earliest to minimise the extent of the financial burden you may have to face.

● If you regularly have a pillion passenger travelling along

● If your regular passenger happens to be a child or a senior citizen, it is best to cover for contingent mishaps

Exclusions to consider before filing claims:

This add-on is undoubtedly helpful in insuring your fellow rider’s life. However, before filing a claim, you must ensure that the following:

● The driver has a valid licence

● The driver was not under the influence of any substance

● The driver must be the owner of the vehicle and must purchase the policy and add-on in his name

● The accident must not be intended to be an act of self-injury by the driver

These are generally excluded conditions that reject a claim. Since making 2 wheeler insurance mandatory, its penetration has significantly increased. Authorities should also consider making policy equipped with comprehensive benefits to cover all related parties and ensure maximum protection of the riders and vehicle.

Click HERE to buy a reliable 2 wheeler 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.

Ever since the world reopened after the Covid-19 pandemic, people have been making the most of their lives by travelling to different places and quenching their thirst for "wanderlust."

With the advent of the hustling lifestyle, people have become distant from nature, which is why travel has become an essential part of our lives. The popularity of travel vlogging on various social media platforms is helping users to get information about different types and destinations for trips, tickets, luxurious hotels, and much more. Travel has also become a career for many folks who have grown tired of corporate life.

With such an advancement in this sector, different travel experiences serve the various interests of people. Are you looking to explore much more than your regular itinerary? Check out these unique tourism niches in 2023 in this blog. So, without any further delay, let's get started!

1. Agricultural sites have become popular:
Agro-tourism, which involves organised tours and trips to agricultural farms and other farming sites, has recently gained popularity. These trips provide insights into the cultivation world and serve an educational purpose for people of all ages. Organic farming and agro-tourism have proven worthwhile for people who believe in consuming organic produce, are intrigued by the culture, or are building their businesses in the same sector. Apart from the tours to farms, agro-tourism has multiple activities like the detailed study of flora and fauna, horse riding, cooking sessions, wine tasting sessions, and much more.

2. Stars will always amaze you:
The universe will never cease to mesmerise you. The night sky is a world of its own, with stars as its main characters. Stargazing tourism is one such activity that will always be on the bucket list of anyone who can dream of lying under the stars and gazing at the beauty of the universe, which is beyond our imagination. Hardcore travellers and explorers are huge enthusiasts of stargazing tourism. Places like Norway, Iceland, Spiti Valley, Rann of Kutch, and many more provide the perfect stargazing spots.

3. Making to this list are VR and AR:
Virtual Reality (VR) and Augmented Reality (AR) are part of a travel niche called "armchair tourism." Gaining its market during the pandemic, virtual reality provides you with the perks of travel without leaving your sofa. During the Covid-19 pandemic, the downfall of the travel industry called upon a revolution. To accustom themselves to this new reality, VR and AR became popular and provided the much-needed escape from the dreary and dark times as the entire world shut down. Several hotels and brands from the travel industry include a virtual tour to give a glimpse of what they offer their potential customers, along with igniting excitement.

4. Solo trips are a must:
Solo adventures, especially women's solo trips involving treks, adventure sports, ethnic tourism, etc., have become increasingly popular over the past few years. The newfound opportunity due to financial freedom and a much safer environment has encouraged people to travel independently and see the world through their perspectives. Organised solo trips have started exploring lesser-known destinations. They have popularised the culture of exploration as solo women also want to cater to their own choices for their adrenaline needs.

And as we discussed travelling in 2023, it is a wise choice to discuss securing your trip to combat the monetary stress of unprecedented situations that can disrupt your travel plans. Purchasing general insurance is an intelligent decision to ensure that you stay stress-free in the financial aspect while travelling and enjoying it to the core. You can explore the options and extract a general insurance online quote, including all the details and the prices provided by different travel insurance providers. Plan and choose the one which best caters to your needs.

Click HERE to learn more about formulating a general insurance online quote and 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.

Do you own a business and are undoubtful if you need to purchase a public liability insurance policy? This post will discuss why you should get public liability insurance, the advantages, and a list of businesses requiring it. It is advised to have a public liability insurance policy if you deal with members of the public or clients to ensure protection against damage to third-party.

Following are the businesses that are at risk of going bankrupt due to a single lawsuit if they don't invest in the public liability insurance policy:

1. Businesses that produce chemicals

2. Restaurants

3. Contractors

4. Hospitals

5. Universities and colleges

Let's first define public liability insurance policy before discussing these five businesses.

What is insurance for general culpability?

Public liability insurance protects businesses and their owners from being sued if someone gets hurt within their property or causes damage to someone else's property. This insurance pays for the damage costs, which otherwise the insured might have to pay.

For instance, if you host an event and a public member is harmed within your property, your public liability insurance will pay for any associated legal fees and compensation claims that the injured party may make.

What all is protected by public liability insurance:

• Property damage and physical harm

• Cost of counsel

• Cost of a claim
 

What is excluded from the policy:

• Reputational damage or another form of slander

• Accidents involving employees

You can purchase general liability insurance (GLI) if you want more protection. GLI protects a broader range of people, like business owners, employees, and vendors, from these risks.

Here are a few examples of firms that unquestionably require public liability insurance policy.

1. Businesses that produce chemicals:
After the Bhopal disaster in 1984, the government required any company working in a dangerous area to have public liability insurance. The Public Liability Insurance Act of 1991 requires you to purchase PLI coverage to protect yourself from lawsuits arising from accidents and harm to the public.

2. Restaurants:
A necessary component of any restaurant business is public liability insurance. PLI safeguards eateries from the expenses associated with damages. Accidental hot food spills, cutlery that falls, and slick floors are possible scenarios. It also protects the business if a customer claims damages because they got sick from the food.

3. Business owners:
If you do construction, plumbing, or electrical work on a client's property as part of your business, you must have public liability insurance. While working there, the insurance will defend you from any claims against you for injuries to individuals or damage to the customer's property or equipment.

4. Hospitals:
Hospitals are another business that could be sued for injuries or damage to property that happens while doing business. Any harm or death caused due to the doctor's negligence in this situation is not covered by PLI. For such a risk, doctors need professional indemnity insurance coverage.

5. Colleges and universities:
If a fire breaks out on the grounds of your school or college and a few students are hurt, PLI will pay for the cost of legal defense and any compensation demanded by the injured students or their families.

We've talked about a few specific businesses that require public liability insurance, but this is a partial list. Public liability insurance is a requirement if your business interacts with customers, staff, or the public.

Finding a good insurance company and the best coverage for your business takes time, consistent efforts, and deep research. Once you've decided, you'll have an insurance agent to offer advice based on his knowledge and experience. Nowadays, things have become digital, and you can easily buy a public liability insurance policy online with just a few clicks and a hassle-free payment process. It is recommended to always seek legal advice to find the best solution based on your situation.

Click HERE to buy a reliable public liability insurance policy in India.

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

You must have seen people around you discussing the rise in medicines, procedures, consultation fees, and expenses. The skyrocketing prices are justified due to the increasing costs of medicinal equipment and treatments. The costs of living have been escalating every year. And while living by yourself looks economically intimidating, creating a family and raising children drives up the cost, which could be scary for a single source of income in these times.

In this blog, we will discuss all you need to know about the impact of rising medical inflation on health insurance premiums. This information will answer all your questions about how the fluctuation in the price of health insurance affects your finances. So, without any further delay, let’s get started.

1. Let’s look deeper at the term “Medical Inflation”.
Medical inflation indicates the rise in average and per unit prices of healthcare assistance. There can be various factors that can influence the increase in the cost of medical services like technological progress, increase or decrease in the number of professionals in the healthcare industry, rising demand, price of materials, transportation costs for medical equipment, and increase in the cost of usage of healthcare services per person.

2. What do you mean by “medical healthcare demand”?
With the fast-food culture gripping the roots of our lifestyles and the hectic work life, people have become addicted to stagnancy, which has caused more harm to our health than ever. Humans have become vulnerable to severe health risks like diabetes, blood pressure issues, hypertension, anxiety, depression, etc., drastically affecting our lifestyle. Therefore, the demand for medical assistance is causing medical inflation in our country.

3. What is the current medical inflation scenario in India?
The inflation in India has been on a consistent ‘single-digit’ rise. However, medical inflation is inching toward double digits, which is a matter of concern. The affordability of health treatments and services would become heavy on the pockets of people and will potentially cause a significant dent in their savings.
Hospital beds, medical staff, conveyance, etc., reported inflation of 9.4% back in 2018-2019, while the cost of medications saw inflation of 7.2% during the same period. And in 2021, there was an unimaginable increase in the inflation rate by 14%.

4. What is the expected impact of the rising medical inflation?
As discussed in the previous point about the rising medical inflation rate, there is a direct influence on health insurance premiums. In some cases, the health premiums increased up to 30%, as reported in the financial year of 2022. The demand for healthcare assistance saw a rise of almost 25%, which indicates the necessity of these services in our country. Many health insurance policyholders have increased their insurance coverage to accommodate the rising medical inflation.
It is suggested that while you purchase your insurance to cover significant procedures and surgeries, you also include minor treatments and diagnostics. As a policyholder, you must watch out for the medical inflation rates to adjust your policy and avail the provisions to expand your coverage accordingly. It would be best to always account for inflation before finalising your health insurance policy.

We hope that the insights proved helpful. To ensure that any medical emergencies in your family can be handled stress-free in the monetary aspect, you need to purchase the best health insurance policy that would cater to your needs in an optimum way and allow you to focus on the recovery of the patient and have no worries about the expenses.

Click HERE to learn more about health insurance and 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 internal combustion engine, known as a turbo engine, employs a turbocharger to increase the air flowing into the machine. This increases the engine's power output. Utilising typically wasted exhaust gases to power the turbocharger is the fundamental idea behind an engine with turbocharging. These engines are standard in high-performance vehicles because they significantly boost power without increasing the engine's size or weight.

Remember that turbocharged cars are regarded as high-performance vehicles, which may increase insurance prices when buying online car insurance. Here are some reasons to consider a turbo engine when buying a new car.

1. Increased fuel efficiency
A turbo engine can boost performance while also enhancing fuel efficiency. It can create more power with the same amount of fuel. As a result, drivers can benefit from a more potent engine without compromising fuel efficiency.

2. Enhanced power
A turbocharger improves the air's density by compressing it before entering the engine. This makes it possible for more gasoline to be consumed and increases the power generated.

3. Smaller engine size
A turbo engine can be lighter and smaller while offering the same performance level as a typical engine. This implies that turbocharged vehicles may be smaller and more manoeuvrable, making them enjoyable to drive.

4. Superior torque
A turbo engine also has the benefit of having more torque than a normally aspirated engine. The twisting force that the engine produces is what propels the car forward. A turbo engine may accelerate instantly because it can produce more torque at lower RPMs.

5. Easily tunable
Turbo engines are more straightforward to tune than standard ones. Furthermore, performance upgrades may be easier to implement since a turbo engine is built to handle more power.
6. Improved driving experience
Driving can be more thrilling because of the engine's improved power and torque, particularly during acceleration from a stop or passing on the highway. Additionally, a turbo engine may emit a fine whine when the turbocharger is spinning up, adding to the engine's sound appeal.

7. High altitude capability
Turbo engines are particularly well-suited for high-altitude terrains. Natural aspiration engines may have difficulty generating the same amount of power as they would at sea level due to the less dense air at high elevations. In contrast, a turbo engine compresses the air to compensate for the reduced air density, enabling it to generate the same amount of power at high altitudes as it would at sea level.

8. Future-proofing
As emissions standards become more stringent, many automakers are using turbo engines to lower the size of their machines while maintaining the same level of performance. Turbocharged vehicles may be better suited to meet upcoming emissions regulations. Furthermore, if turbo engines become more popular, they may have more aftermarket support in the future, making it easier to locate components and accessories.

Car makers and enthusiasts choose turbocharged engines because of the numerous benefits they offer for automobiles. They are more powerful and torquey while consuming less fuel than conventional engines. Their enhanced acceleration allows motorists to reach high speeds conveniently. The advanced turbocharging technology has resulted in lowering emissions and making turbocharged engines a more environmentally responsible choice.

You may also research more about turbo engines to understand their working better before making any decision. Also, thoroughly study and provide precise details about your vehicle and driving history to obtain an accurate quote when applying for online car insurance for your turbocharged vehicle.

Click HERE to buy online car insurance.

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

Pre-owned cars, often known as used cars, are very economical, available in good condition and have a lower depreciation rate. These benefits make buying used cars a good idea and fulfil the dream of every person to own a car.

Banks and NBFCs even provide used car loans with affordable interest rates and quick processing times to make owning a used car simple. In a city like Mumbai, you'll find multiple options for second-hand or pre-owned cars in various regions. There are numerous certified dealers with a wide range of cars to choose from.

Here is how to find the ideal used car at the most competitive price if you want to purchase it in Mumbai.

1. Check with family and close friends:
First, ask people you know for recommendations while searching for a used car. There may be someone you know who wants to sell their vehicle. Because of the added trust factor, you can be confident that you are getting the best value for your money. Even better, you may ask them to let you borrow the car for a few days. This way, you can test drive it and decide whether you will be interested in buying it.

2. Purchase and sale on social media pages:
Social media groups are another way to connect directly with sellers and avoid the fees that middlemen charge. For buying used cars in Mumbai, there are specific social media groups. Until you find a vehicle you want, you can search for ads offering used cars for sale. The good thing about these groups is that you can talk to the seller directly, negotiate the best price, and set up a time to look at the car before you buy it. You can also view actual images of the cars for sale.

3. Used-car gateways:
You might also check out online marketplaces that specialise in selling pre-owned automobiles. Retailers selling directly to consumers conduct the necessary audits before establishing their car prices.

4. Nearby used-car dealerships and garages:
You can also rely on a trusted mechanic in a nearby garage. These experts also know individuals who are planning to sell their cars. A technician can provide you with valuable information on any pre-owned cars currently on the market and point you in the right direction.
Another option is to go to a used car dealer. Always bring along a car fanatic or a mechanic who knows a lot about cars and can help you choose a perfect car.

5. Resellers with permission:
With a good reputation, carmakers have approved resellers who purchase and resell their brand's products. You can go directly to a reseller if you are searching for a specific make and model or have faith in a certain brand. Mumbai is home to many resellers who can provide safe and excellent cars.

You can apply for a loan once you have selected a used car to purchase. Here, a pre-owned car loan calculator comes in handy to estimate the EMI you would be required to pay. Follow these steps to locate the best buying spots in Mumbai and get great deals on different categories of pre-owned cars.

Get coverage for accidental damages by comparing and selecting the best car insurance company in India from leading four-wheeler insurers. If a policyholder's car is damaged or stolen because of something out of their control, the car insurance will pay for it. So, once you buy your pre-owned car, ensure that you also invest in your car's safety along with the transfer of registration and other essential documents.

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.

Skin is the largest organ and serves as a protective barrier against external factors. It is responsible for our physical appearance and can also be a vital indicator of our overall health. Our skin often reflects the state of our internal health, and changes in appearance, texture, and colour may indicate underlying health issues. In this blog, we will dig deeper to understand skin and what it can tell about your overall health.

The first step in caring for our skin is understanding its anatomy and physiology. Our skin comprises three layers: the epidermis, dermis, and subcutaneous tissue. The epidermis is the outermost layer that protects against external destructive factors such as UV radiation, pollution, and microbes. The dermis contains connective tissue, blood vessels, and nerves, while the subcutaneous tissue provides insulation and energy storage. Understanding the functions of these layers can help us identify potential skin issues and take appropriate measures.

1. Skin as a reflection of gut health
The gut and skin are closely related, and changes in gut health can affect our skin's appearance. For example, acne and eczema are often linked to an imbalance in gut bacteria, leading to inflammation and other skin issues. Therefore, a healthy gut means healthy skin. Eating a healthy diet rich in fiber, probiotics, and prebiotics can improve your gut and, in turn, enhance skin health.

2. Skin as an indicator of nutritional deficiencies The appearance of our skin can also indicate nutritional deficiencies. For instance, dry and flaky skin may indicate a lack of vitamin A, whereas pale skin may indicate iron deficiency. Proper nutrition is necessary for healthy skin. A balanced diet with various fruits, vegetables, whole grains, protein, and carbohydrates can provide the nutrients for healthy skin.

3. Skin as a sign of chronic diseases
Skin changes can also indicate underlying chronic diseases such as diabetes, liver issues, and kidney disease. For example, yellowing of the skin may indicate liver problems and skin tags may indicate insulin resistance. Regular check-ups and a healthy lifestyle can prevent and manage these conditions. Additionally, online health insurance can provide financial support and ease the burden of medical expenses.

4. Skin as an indicator of hormonal imbalances
Hormonal imbalances can also affect the skin's appearance, leading to acne, hirsutism, and other skin conditions. Women may notice changes in the skin during their menstrual cycle, pregnancy, and menopause. Hormonal imbalances can be managed with proper medical care.

5. Skin as an indicator of stress and anxiety
Stress and anxiety can affect our skin's health, leading to acne, wrinkles, and dullness. Managing stress through meditation, exercise, and therapy can improve our skin's appearance and overall health.

6. Skin as a sign of aging
Our skin undergoes various changes, including wrinkles, fine lines, and age spots. However, premature aging can be prevented by avoiding excessive sun exposure, maintaining a healthy diet, and avoiding smoking and alcohol consumption.

7. Skin as an indicator of autoimmune diseases
Autoimmune disorders occur when your immune system attacks and destroys healthy cells. These disorders can also affect the skin's appearance, causing rashes, ulcers, and discolouration. These conditions require proper medical diagnosis and treatment to manage symptoms and prevent further complications.

8. Skin as an indicator of environmental exposure
The skin can also indicate environmental exposure to toxins, pollutants, and other harmful substances. Prolonged exposure to UV radiation from the sun can cause sunburn, skin cancer, and premature aging. Chemical exposure, such as pesticides and industrial chemicals, can cause skin irritation and allergic reactions. Proper protective measures, such as wearing sunscreen and protective clothing, can prevent these harmful effects.

Understanding our skin's role in overall health is essential for keeping it glowing and preventing underlying adversities. Taking care of our skin involves a nutritious diet, regular exercise, stress management, and seeking medical attention when necessary. Taking online health insurance can further provide financial support and ease the burden of medical expenses during emergencies. Therefore, caring for our skin is about our physical appearance and overall well-being. Let us prioritise our skin health and take steps towards a healthy lifestyle.

Click HERE to learn more about the benefits of purchasing online health insurance.

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

Road accidents in India are estimated at around 2 Lakhs per year, the highest in the world. This mainly happens as people fail to follow traffic rules, over-speeding their vehicles, and also the poor road conditions.

The government of India has set a few stringent rules and regulations for drivers. They are made to bring down the number of injuries and accidents. Wearing a seat belt is one of the essential practices of road safety that save lives in case of a crash. However, most people tend to ignore this simple yet crucial safety measure. They find it uncomfortable, unnecessary, and bothersome. This has caused many people to compromise their safety and surrender to a life-threatening event.

This article will briefly describe the various advantages of wearing a seat belt.

1. Holds you in one position:
You can undergo substantial damage if your car is moving at a great speed, and you suddenly crash. Without a seat belt, you can be thrown here and there. You can even jerk out of the car if the speed and collision impact is too high. It can result in severe injuries and even death. Hence, the seatbelt is extremely important.
If the car starts spinning or skidding, the seat belt will hold you firm in one place. If you do not buckle up, you are likely to get into a crash.

2. Restricts ejection:
As discussed earlier, if your car is moving at high speed, you are likely to be ejected out of the vehicle. It has happened a lot of times during car crashes or accidents. It happens mostly because the driver and passenger are not wearing seat belts. This causes them to lose control of their positions. Therefore, they are ejected out of the car.
With a seat belt, you will be firmly tied to your seat. This increases your chances of survival during an accident as the airbags will bear the impact, keeping you safe.

3. Matches the speed of the vehicle:
In general physics, our body tends to move with the speed of the vehicle. For instance, your body would do the same if the vehicle is at high speed and comes to a jolt. You are likely to hit the steering wheel or dashboard in this situation. If you're buckled up, this will not happen. It will keep you secured to your seat so that your body slows down with the vehicle. Seatbelts help you to adapt to varying speeds.

4. Force distribution:
With the seatbelt, the force of a crash is distributed to the stronger parts of your body. You will not be restricted to delicate areas like the head, abdomen, or chest. Your body will be prepared better to deal with a crash with a seatbelt. The chances of injury also decrease.

5. Protects your brain and spinal cord:
A car crash is most likely to cause brain and spinal cord injuries. This can affect you significantly and cause irreparable damage like temporary or permanent disabilities. They can even be fatal. A seatbelt protects you from these life-threatening car crashes.

Most road accidents take place with people not wearing their seat belts. Many lives could be saved if we agreed to follow all road safety rules. It is best practice to buckle up the seatbelt before starting your car. Avoid overspeeding and ensure that the seatbelt is accurately fitting and neither too loose nor too tight. Safety is paramount, and the next step to ensuring it is insurance. You should buy motor insurance online to protect your vehicle from any potential damages. Keep the stress of finances at bay and enjoy an array of benefits if you decide to equip your plan with various add-ons.

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.

India has many diverse places you can visit with friends and family to unwind and revitalise yourself after months of excessive work-life. These places always give you a fresh perspective and mesmerise you with renewed zeal.

One such prominent place is– Auroville in Pondicherry. It was founded in 1968 by Mirra Alfassa and continues to be one of Pondicherry's most popular places to visit. It is an experimental township where people of all nationalities, castes, races, creeds, and religions live together peacefully.

Auroville is spread over a wide area and was constructed by the famous architect Roger Anger. The structures present inside the premises of Auroville are rare, magnificent, and unique. Every nook and corner of this place elicits only peace and serenity. If you're looking for a place to find inner peace, consider spending a few days in Auroville.

Before you embark on your journey, you should opt for the best personal accident policy in India to ensure safety during your journey.

Here's a list of the best places to visit in Auroville.

1. Matrimandir
Matrimandir is one of the most renowned and beautiful places in Auroville. The temple consists of a golden dome that is made of petal-like structures. It is huge yet beautiful in every possible way. This temple is not dedicated to the preaching of just one religion. It is for anyone and everyone who is seeking moments of inner peace. You can visit the temple and see the chambers to meditate and find solace.

2. Quiet Healing Centre
If you love pampering yourself with relaxing massage and spa sessions, this is your go-to place in Auroville. This healing centre was inaugurated in 1997. It provides a stunning ocean backdrop and gives you ample ways to relax. You can indulge in Thai, Shiatsu, and deep tissue massage. The main aim of this place is to soothe your mind and body.

3. Botanical gardens
If you love plants, then this is your place to be. Different species of plants will surround you. A green blanket of bushes and trees will captivate your senses in this serene place. About 250 different species of plants can be found here. You can simply relax or stroll through them. There is also an educational centre nearby. You can explore it to get intriguing information.

4. Savitri Bhawan
Named after one of the most famous poems of Sri Aurobindo, the Savitri Bhawan features the teachings of Aurobindo. There are various ancient and modern paintings that you can witness here. The walls here are adorned with paintings that display the poetic lines of Sri Aurobindo. There is also a reading room with various books projecting his view on life. This place is a paradise for literature lovers.

5. Adishakti laboratory for theatre arts and research
If you are a theatre enthusiast, this place will appeal to you. You can catch some experienced actors performing here. Many workshops on theatre and acting are regularly held here. You can get some advice from the actors and enjoy valuable insights into acting.

There are many places to visit and explore in Auroville. This exceptional township is an embodiment of unity, integrity, and brotherhood. You need to visit it once in your life to witness this beauty for yourself. Whenever you plan to travel, ensure that you buy the best personal accident policy in India. Accidents come unannounced. Hence you need to be prepared. Invest in the best personal accident policy in India and prepare to enjoy your stress-free trip!

Click HERE to buy the best personal accident policy in India.

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

In the olden days, people unintentionally practised habits like following a set sleep schedule, eating locally sourced nutritious food, and engaging in physical activity, which are fundamental requirements for good health. Over time, we have grown to chase material wealth and forsaken our health in such pursuits. Hectic schedules, lack of time for personal interests, and excessive stress characterise modern lifestyles.

In such a background, it is almost impossible to follow healthy habits that lead to a disease-free life. This makes buying health insurance and following preventive measures essential to keep one’s health in the best condition possible. Additionally, periodic checks can help one recognise symptoms of an incoming illness and take corrective action at the earliest. This is facilitated by preventive health checkups, which are now included in health insurance plans. They provide several benefits to policyholders, which are discussed below.

Defining preventive health check-ups under health insurance.

Preventive health checkups are medical examinations run on to-be policyholders to assess their present state of health and identify their level of risk. It is an essential part of the insurance process as it makes the insurer aware of the existing illnesses suffered by the customer. The risk assessment directly impacts the annual premium paid for health insurance coverage.

Benefits of preventive health check-ups.

The above definition often puts potential health insurance buyers in a dilemma regarding their stance on the preventive health checkups offered. Detection of pre-existing medical conditions results in pricier premiums, but the checkup is highly beneficial to policyholders in multiple ways.

1. Substitutes individualistic effort:

Even when you are not sick, getting a health checkup is a prudent way to ensure that you are in the pink of health. Generally, a full-body annual health check is recommended for everyone. By purchasing health insurance, you no longer have to book an external appointment with a clinic. The insurance company takes care of the appointments and delivers the reports straight to your doorstep. Insurers even offer doorstep health checks, making the process incredibly convenient and hassle-free.

2. Early detection of diseases:

While the detection of disease increases the health insurance premium, on the bright side, it discovers an underlying problem that would otherwise have gone unnoticed and eventually led to more significant financial stress and physical discomfort. It is better to pay extra after early diagnosis and undergo treatment than bear the massive cost of a preventable illness that you neglected.

3. Tax deductions:

The Income Tax Act 1961 provides certain deductions that can be subtracted from your total gross income to arrive at the gross taxable income. One such deduction under Section 80D is preventive health check-ups.
Most insurance companies include free health checkups in their health insurance policy. However, in the case of non-inclusive health checkups, you can claim a deduction of INR 5,000 for medical checkups for yourself and your direct dependents, including your children, spouse, and parents. The Act also allows a deduction for health insurance premiums paid in the financial year of up to INR 25,000 for non-senior citizens and INR 50,00 for senior citizens.

4. Increases interest in self wellbeing:

Seeing the results of a health checkup is no short of a reality check. It can help you break poor habits, adopt a healthier lifestyle and work towards a more robust version of yourself. An additional incentive is a link between your health and premiums. Increasing premiums due to ill health is a great motivator to refocus your efforts towards building a healthy lifestyle and reducing the risk of diseases.

Preventive health checkups are a boon in the guise of a preliminary check that helps health insurance providers assess the risk of potential clients. These checks facilitate the early detection of potentially life-threatening ailments and provide appropriate facilities to take care of the problem at the earliest. While health insurance offers several benefits, including a safety net in medical emergencies, preventive health checkups are a perk you should take advantage of!

Click HERE to buy the best health insurance in India.

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

Public liability insurance in India is a kind of insurance that aims to shield business owners from claims that lead to legal actions. It protects you if a customer or general public claims that your business activities caused them to suffer an injury or property damage. A policy will pay for these costs, which may include any compensation you are required to pay if a claim does end up going to court.

More about public liability insurance in India:

The public liability insurance policy covers the insured's legal obligation to pay third parties for unintentional death, physical injury, disease, and loss of or property damage. Subject to the limitations of indemnity and other terms, conditions, and exceptions of the policy, it covers the financial claims filed against the insured during the policy period, including legal fees and expenditures spent with the prior agreement of Insurers.

A few important points to remember:

● No culpability is acknowledged

● Claims filed more than five years after the incident won't be considered

Myths about public liability insurance:

1. Professional assistance and counsel are covered:
It's common to mix up professional indemnity insurance with public liability insurance. Public liability in India covers the costs related to unintentional damage and injuries. In contrast, professional indemnity protects against claims from professional negligence in business services and advice.

2. If you are sued, you can close the company:
If you own a small business, closing it won't make the case go away if you are proven legally responsible for someone getting hurt or something getting broken. The lone proprietor will be held personally liable indefinitely for any claims brought against a small business. Even while persons who run a limited company can close their company, they will still need to deal with any legal actions brought against them. Only a public liability insurance policy will be useful in these circumstances.

3. The purchase of public liability insurance is mandatory:
Businesses are not obligated by law to buy public liability coverage. However, it would be crucial to buy this coverage if you want to shield your company from having to pay out astronomical sums in claims. While performing their duties, your personnel may harm people or damage someone else's property. Businesses operating in public areas or on clients' property need this insurance policy. Get a public liability insurance quote if you need to figure out how much it will cost.

4. Loss is compensated through public liability insurance:
That's only partially accurate. Public liability insurance in India does not cover pure monetary loss. Therefore, a third party cannot demand reimbursement for the monetary damage they have sustained due to a service provider's acts.

5. Every time you sign a new contract, you'll need new insurance:
Most of the time, firms only have a single policy to cover all the contracts and projects they take on. However, for public liability insurance, when a new contract entails significant risk or is substantial, buying new insurance can be required rather than renewing an existing one. Almost every public liability insurance in India has flexible coverage options.

This simplifies adding new features when the company expands or takes on new jobs. This will be practical and guarantee that your business needs are addressed. Working with trustworthy and renowned insurance providers is essential when looking for insurance coverage to safeguard your small business. Your business can benefit from having the best public liability insurance in India.

Click HERE to learn more about public liability 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.

Hatchbacks are small cars with a hatch-type opening at the rear end that we can open upwards and often come along with boot space. They do not have a separate boot from the passenger cabin. They are ideal in size for manoeuvring easily in city traffic and have a seating capacity of 4-5 people.

Hatchbacks are a preferred car segment for families, especially middle-class families, because of their size, ease, and convenience, in addition to good mileage and cost efficiency.

1. Easy manoeuvrability:
Hatchbacks provide ease of manoeuvrability compared to sedans and SUVs on busy city roads. They are easy to handle, and constant braking, taking turns, moving through narrow lanes, etc., become easier for the drivers. Moreover, it is easy to park them in the ever-shrinking parking space of the big cities.
As the Sedans are longer in size, it can be a hassle to drive them on busy streets. Parking them can be even more challenging. SUVs are heavier and can be tough to manoeuvre around if you are using them for daily use amidst heavy routine traffic.

2. Foldable rear seats:
Hatchbacks come with foldable rear seats. Just open the rear hatch, fold the back seats, and you have massive storage space for your luggage and other stuff. Hence, hatchbacks can offer more boot space than even a sedan with a separate boot if there is no passenger in the back seat.

3. Better mileage:
Hatchbacks usually have lesser kerb weight than sedans and SUVs. This directly has a positive impact on the fuel efficiency of the car. Also, hatchbacks usually have smaller engines than cars of other segments.
Hence, they provide better mileage than others and save a lot of money over a long period. SUVs usually have big engines and can be fuel guzzlers. Sedans can also have poor mileage due to their size and engine capacity.

4. Cost-effective:
Hatchbacks cost much less than SUVs and sedans. As these cars cater to the budget-conscious category, their spare parts are also reasonably priced. Hence, hatchbacks are easier to buy as well as maintain. Their running costs are much lesser than cars of other segments. They turn out to be cost-effective and pocket-friendly.
Sedans come with long, elegant, and stylish exteriors making them more expensive. SUVs, including compact-size ones, are heavier than hatchbacks and come equipped with bigger engines, making them more expensive than hatchbacks. The spare parts of sedans and SUVs are also costlier than hatchbacks. Their running costs, maintenance, and service charges are also higher.

5. Sporty:
Hatchbacks are usually sportier and more fun to drive than sedans and SUVs, especially in city traffic conditions. They come in various colours and designs and are considered practical alternatives to sports cars for everyday driving.

Hatchbacks are a preferred car segment for small families. Modern-day families also avoid buying long-sized sedans as the three-box design is of little use to them in their daily lives.

You may buy a car from any of the segments- a hatchback, a sedan, or an SUV, but you will have to go for motor insurance compulsorily in India. Driving without valid motor insurance can attract hefty fines and cancellation of your driving licence. Also, the motor insurance India policy protects you from any financial burden in case your car meets with an accident and needs repairs. The insurance company will foot the bills for you and bring your car back in shape. Hence, go for a good motor insurance India policy and stay secure.

Click HERE to buy a motor insurance India of your choice.

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.

Due to the extreme population density, everything in the country is crammed up and congested, which also applies to the roads. Driving on city roads or highways is complex and challenging. If you're learning to ride a two-wheeler, this article might be helpful for you.

In India, road accidents are frequently encountered. Every minute, a road accident occurs in some part of the city, which puts everyone at risk. The density of people per square foot of the road is way more than it is supposed to be. So much so that it exceeds the safety limits.

If you own a two-wheeler, the roads can leave you vulnerable and scared. You should keep many things in mind when driving through congested roads, and your safety comes at the top. You should also have a valid insurance policy to safeguard you and your two-wheeler. Research the best two wheeler insurance rate in India and purchase the policy that suits your needs and is within your budget.

Let us thoroughly look at the tips to keep you safe while driving across congested roads.

1. Do not lose focus:
Focus is extremely important while riding a vehicle. Avoid all distractions that can cause you harm while riding. Phone calls, music, or small talk with your fellow passenger can be distracting. It can lead to road accidents in a blink of an eye. Hence, it is best to avoid them all.

2. Keep an eye on the road:
Whenever you drive, you should keep an attentive and careful eye on the road, people, and other vehicles. Most people are not cautious while crossing the road, especially in market areas or other congested roads. This puts the responsibility on you to be extra alert. Look out for any pedestrians on the road when you ride your vehicle.

3. Do not over speed:
Over-speeding is one of the leading causes of road accidents and fatalities in India. Fast driving on a congested road can lead to disasters. It is advised to slow down as and when necessary. It is best not to put too much pressure on the accelerator as congested roads have comparatively lesser space to occupy vehicles and allow them to commute swiftly. Plus, the risk of colliding with pedestrians or street vendors is always high.

4. Plan your trip well:
You must have a clear idea of the route you're going to take. It is wise to sort out your route on maps before you begin your journey. You don't have to waste time and effort sorting a route in between your ride. Preferably avoid taking congested roads even though they might show the shortest route.

5. Maintain a safe distance:
You should maintain a distance from the other vehicles. Do not drive too close to other vehicles. The same is advised for people on the road as well. Maintain a safe distance from all to avoid accidents. Also, look out for the speed breakers and potholes carefully.

6. Follow traffic rules:
It is mandatory to follow all the traffic rules whenever you're on the road. Violating traffic rules can land you into several troubles, from penalties to even imprisonment. It is best to wear a helmet and carry all required documents during your ride.

These tips can help you make your way through congested city roads. If you are a new rider on the streets, you should always focus on the road and be attentive while driving. Additionally, you should also insure your vehicle with a valid insurance policy. The two wheeler insurance rate should be researched and found beforehand to help you make the best choice.

Click HERE to know the best two wheeler insurance rate to buy a comprehensive policy.

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

India's railway network is the fourth largest in the world after the USA, Russia, and China, with over 22,593 operating trains. Train journeys are exciting and add many experiences to our lives. Have you ever wondered what happens if your luggage gets lost or stolen from your seat or the railway station itself? Are you eligible to get compensation from the Railway authorities in such cases?

The answer is "yes". Let us go through how we can get compensation for lost or stolen luggage from the railway authorities.

1. File an FIR:
The first step that you should take once you discover that your luggage is lost or stolen from a running train is to file an FIR by approaching the train conductor, attendant of the coach, TTE, or any guard or GRP escort in the train. They will provide you with an FIR form in Hindi, English, or the regional language. You will have to fill it up and give it back to them. They will register a report at the upcoming railway station.
You do not have to pay any charges for this service. Also, you don't have to break your journey by getting down at the upcoming railway station to fulfil the above formalities. However, you can take help from RPF Assistance Posts present at major railway stations. This same process is to be followed in case of loot by dacoits in moving trains.

2. Post FIR:
Once you have filed the FIR for your lost or stolen luggage, the railway authorities will try to search and locate your luggage. If they are successful in doing so, they will contact you and give it back to you. If they cannot trace it within 6 months of lodging the FIR, they will have to compensate you for your lost luggage. They will do a fair assessment of the value of your luggage and compensate you accordingly.

3. Is ticket reservation compulsory:
No, you don't need to travel only in the reserved class to claim compensation for the theft of your luggage on the train. As per the direction of the National Consumer Disputes Redressal Commission (NCDRC), Railway authorities are liable to compensate you for the theft of your luggage even in the general compartment where you do not have any reservation but hold a valid ticket.

4. Case of booked luggage:
When you book your luggage with the Railways while travelling on a train, you can declare your luggage's true value. You will have to pay a prescribed percentage charge of the value of the goods as luggage handling charges to the Railways. In such a case, you are entitled to get the full value of your luggage as compensation in case it gets lost or stolen en route.
However, suppose you did not disclose the true value of your luggage while booking it. In that case, the monetary liability of the Railways for compensation is limited to INR 100/- per kilogram of goods booked.

Travelling by train is inevitable for most of us in our regular lives. Hence, it becomes crucial for us to safeguard our luggage during train journeys. We should be clear about the compensation policy of the Railways in case of lost or stolen luggage so that we can follow it and not suffer losses in case of theft or loot of our luggage.

General insurance India is also important to cover your luggage during your travel. Remember to add travel insurance to your safety while making railway bookings. Taking this small precautionary step can keep you in a relaxed state of mind and protect you from unexpected financial losses. You can also claim for mishaps while travelling, and your insurance provider will compensate you for the damage caused.

Click HERE to buy a general insurance India policy to cover your travel 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.

India ranks among the top 10 countries with the most two-wheelers in the world. Indian roads and highways are crowded with two-wheelers of all makes and designs running in different directions. This also means that you need to take great care of the vehicle that you ride on. It should have all the proper documentation. You will be compelled to pay a fine or compensation if you lack these documents.

Your bike insurance plays a pivotal role in the safety of your two-wheeler. You must renew your insurance from time to time to be free from any future problems. The expiry can result in a significant financial loss if it is not renewed. You may also be penalised for not adhering to valid insurance.

To prevent yourself from this mishap, you should be well aware of the expiry date of your bike insurance. You now have the option to know about the expiry date of your bike insurance online. The steps are hassle-free and doable.

Let's look at the ways and means to renew bike insurance online.

1. Visit the website of your insurer:
You need to go to the insurance company's website to look at your policy's expiry date. The steps are:

● Visit the website or app of the insurance company

● Sign in to your account

● Fill in all the important information and log in

● Go to the bike policy that you've opted for

● You will get all the information, including the expiry date

2. By VAHAN website:
VAHAN is the official website of the Ministry of Road Transport & Highways, Govt. of India, which keeps the records of all the registered vehicles in India. It has all the information about the insurance policies of these vehicles. The expiry date of your insurance can be easily checked on this website. The steps to follow are:

● Go to the VAHAN website

● On the designated field, enter the registration details of your bike

● Click on the button marked Proceed

● Go to the Services menu

● From the list of options, click on Additional Services

● When the new page is shown, enter all the details asked for

● Enter your registration number, chassis, engine number, and verification code

● Go to Verify Details

● An OTP will be sent to your registered number for verification

● Upon giving the information, you will see all the details, including the expiry date of your insurance

3. By Email:
Your insurer sends all the essential information, including policy documents, to your registered email ID. If you want to look at the bike insurance expiry date, you can simply search for it in your email inbox. Make sure it is the same email you used to register for the bike insurance.

4. Through RTO’s website:
For a country like India, RTO has all the given information as a record for all your needs. This also means that it has a track record of the expiry date of your bike insurance. You simply have to log in to the official RTO website and look at the process. Follow the steps to access all the information related to your bike. It also includes the expiry date of your policy.

5. State transport department website:
Most Indian states have introduced the new feature of checking your bike details online. The transport department of these websites has all the information you will need for your insurance policy. Go to the official website and enter the details to access the information you're looking for. You will have details of the expiry date as well.

These are some of the most effective ways to check the expiry date of your bike insurance. You should always renew bike insurance online to protect it against any accidents. Failing to renew your policy in time can make it null and void, and you won't be able to enjoy the benefits anymore. Damages incurred during this phase will not be covered by your policy, putting financial pressure on you.

Click HERE to renew bike insurance online.

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

There is no denying that health is one’s greatest asset. While health insurance policy renewal and purchasing a new policy can protect yourself from health contingencies, you can do plenty to maintain your overall health. Well-being professionals have come up with the key trends impacting how we live, heal, and flourish in 2023, such as the rising significance of rest or treatment to treat migraines and mood disorders.

1. Greater emphasis on purposeful actions and well-being:
Prioritising your overall well-being, which includes your physical, mental, social, and the well-being of the community and the planet has recently been recognised as a global trend. Research indicates that people will sensibly spend more time and money on how their actions affect their surroundings and the earth.

2. Teenagers and 20-somethings to appreciate immersive and healing sounds:
In 2023, it's anticipated that sound therapy will become more popular. Binaural beats, 3-D spatial audio, and isochronic tones are types of soundscapes that can stimulate and entrain the brain to reduce anxiety, induce relaxation and concentration, and speed up the healing process.
Therapeutic playlists are being created for use in clinical and hospitality contexts. ASMR is a spontaneous physical-emotional experience that causes a strangely pleasant feeling of relaxation and a tingling sensation at the back of the scalp and from there it moves down to the body. It has taken the world by storm and is continuously evolving.

3. Mind-body therapies for mid-20s to 40s:
Some ways to calm the body and mind are focusing on something, controlling your breathing, and moving around. Athletes have long utilised ice baths to treat muscle pain and inflammation. These treatments are known as cryotherapy and cold-immersion therapy.
Recent research has shown that they can also help lower blood pressure, regulate blood flow, and the rate at which tissues break down food. Migraines, mental problems, dementia reduction, and immune system stimulation are all treated by cold immersion therapy.

4. Taking ample rest is a priority for those in their 50s:
The theme of 2023 will be pausing and slowing down. People will favour restorative yoga and calming sound baths over HIIT (high-intensity interval training) sessions and the hustle culture. Additionally, sleep is being increasingly emphasised as the best form of self-care.
If technology has stolen your sleep, sleep technology will help you get eight hours of undisturbed sleep with its aids and devices. Choose from a wide range of applications offering sleep stories and meditations and download them to rest, reset, and revitalise.

5. Senior citizens to focus on spiritual well-being:
Spirituality is something that experts say people in their 60s and older should do for their overall health. Studies have shown that the most effective modern therapies help people build social support networks and, often, a spiritual connection to something bigger than themselves.
This new take on the idea of wellness is at the heart of integrative and functional medicine practices like yoga and meditation. For many people worldwide, religion and spirituality serve as both a valuable health resource and a means of community building. Current studies on meditation and well-being emphasise the importance of our spiritual welfare.

Wellness trends serve a greater purpose than just being a global movement. They can help you live better with aim and purpose. Ensure well-being your top resolution for 2023, and see how your life changes. While these trends can help improve the quality of your life, purchasing and ensuring health insurance policy renewal continues to be a non-negotiable to protect yourself from rising healthcare costs.

Click HERE to get your health insurance policy renewal before it lapses.

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

As the Motor Vehicle Act specifies, every bike owner must acquire a third-party insurance policy. You may compare bike insurance online and choose the policy that offers the most value for your money while providing superior coverage. You can compare different plans with a hassle-free process.

Why is bike insurance comparison important?

Given the variety of bike insurance options available in the market, it is advised that you compare these options online before selecting the best policy for your motorcycle. Online comparison of plans across numerous categories is simple as more information is readily available. These comparisons assist you in choosing the bike insurance that offers you the most benefits at the lowest premium.

The best two wheeler insurance is a comprehensive 2 wheeler insurance plan because it covers both own damage and the legally required third-party bike insurance. Additionally, you can purchase any necessary add-on coverage to broaden the scope of your standard policy.

Here are the key elements you need to consider while evaluating various bike insurance options online.

1. Best coverage:
You may go through several bike insurance plans when comparing two-wheeler insurance online. The coverage may vary slightly depending on the insurance provider. You can pick the best protection that will work out well for you.
You should be aware that manually comparing bike insurance policies will take time. The best way is to research online and digitally compare different policies and their coverage before making the final decision.

2. Most suitable policy:
It's best to assess your needs before comparing bike insurance online. Because you will be clear on your plan's benefits, the purchasing process becomes faster. It enables you to choose the insurance policy that best fits your needs.
A comprehensive bike insurance plan is recommended for those who expect to ride their bike for a long time as it provides coverage for "own damage," and the third-party bike insurance. Your insurance provider will cover the cost of restoring the bike in the event of any damage.

This kind of insurance also provides a broad range of coverage, including protection against accidents, theft, fire, natural disasters, man-made disasters, third-party liabilities, and personal accident insurance for the bike's rider.

3. Customer support service:
Always keep customer service quality in mind when picking a bike insurance provider because it guarantees the prompt resolution of your complaints. Checking the insurer's social media pages for consumer comments, reviews, and ratings is a good place to start.
It is crucial to purchase the best coverage from a reputable insurer and the finest policy possible. Look for special services that an insurer provides, such as prompt repairs, easy pickups, helpful customer service, etc.

4. Network of service centres:
The availability of network garages is crucial for hassle-free bike repairs. You must consider the number of network garages listed under specific insurance if you want a cashless claim settlement for your bike.
Finding a nearby cashless garage during a road incident would be easier if your insurer has a nationwide network. Therefore, pick insurance with an extensive network of garages so you can benefit from quick, stress-free repair services and efficient claim processing wherever.

Don't forget to check out the chosen insurer's social media pages, brochures, and website. You will gain insight into the company's reputation. Check features like a quick, paperless, and efficient purchase & claim settlement process before concluding the deal. If you intend to purchase bike insurance online, you must abide by the aforementioned requirements to find an affordable and appropriate policy that meets your needs.

Click HERE to buy the best bike insurance for your motorcycle.

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

Financial products and services are constantly evolving and adapting to changing market conditions and customer needs. The insurance industry is no outlier with the ultimate goal of increasing insurance penetration. It undergoes massive changes each year to use potential opportunities within the scope of the law to increase customer satisfaction and insurance awareness.

As we move into 2023, general insurance companies in India expect significant changes that will redefine the perception of insurance. While some align with predicted global trends, many are likely to contribute to domestic consumer trends and legal amendments.

Here is a quick rundown of some top insurance industry trends predicted for 2023!

1. Portfolio diversification through product innovation:
Increased product development innovation is expected globally to address the unique needs and risks of emerging technologies such as electric vehicles, smart cities, and the Internet of Things. Cybersecurity insurance is likely to continue as a highly demanded product. As the consumer-centric approach of the industry grows, diversification is expected to be based on evolving consumer needs.

2. Additional offerings:
Insurance companies may distribute other financial products as per the Finance Ministry's proposal. While the proposal is yet to be clarified, veterans speculate that the approved products could include allied insurance products, investment, or value-added services.
Insurance companies are set to benefit from their well-established distribution channels, adding to their revenue from a secondary source.

3. M&As:
A proposal to issue composite licences is also under discussion, opening up opportunities for general insurance companies in India to sell insurance policies, favourable mergers, acquisitions, and massive expansions in revenue and product portfolios.

4. Technology:
The use of technology, such as artificial intelligence and data analytics, will steadily increase and provide insight into customer behaviour and preferences. This offers an excellent opportunity to efficiently use human intervention and improve the efficiency and effectiveness of operations by harmoniously using digital and human efforts.

5. Digitalisation:
The pick-up of technological advancements has been slow across the global insurance industry, but this is expected to change in 2023. Insurers will invest in digital platforms and tools to provide personalised and convenient services to customers. Digital channels will likely be used for sales and service and to support underwriting and claim settlements.

6. Value-based brand building:
With the entry of new competitors amid an incoming global recession, insurance companies may have to rethink their approach to changing customer perception and stricter regulations. As consumers tightly clutch their wallets, companies will have to build greater awareness regarding their products and their significance amid uncertainties. This will build a connection based on values that their audience resonates with, including transparency.

7. New distribution channels:
With the rise of insurtech start-ups, the insurance industry is expected to see a boom of new distribution channels, such as online marketplaces, digital brokers, and comparison websites, making it easier for customers to access insurance products and compare prices.

8. Entry of new players:
The growth of the Indian insurance industry has largely been dependent on the Insurance Act of 1938 and the Insurance Regulatory and Development Authority Act of 1999.
The winter session of Parliament discussed proposed amendments, including the scrapping of the statutory requirement of INR 100 crore start-up capital for life, health and general insurance companies in India and INR 200 crore for reinsurance business. This move will likely result in new entrants in the market, increased competition, and possibly making premiums cheaper.

With increasing internet use, rural India is an untapped market that general insurance companies in India can explore through efficient digital channels that make insurance accessible.

Slated for rapid growth, the insurance industry will see several significant changes in 2023 as it adapts to new technologies and evolving customer needs. By focusing on global trends, digitalisation, and customer satisfaction, non-general and general insurance companies in India can curate a path to be at the forefront of the insurance industry's future!

Click HERE to buy a reliable insurance plan that fits your needs.

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

Car insurance is a shield that protects your vehicle and your finances in case of accidents or any untoward incident involving your car. You pay a fixed sum annually, known as the insurance premium, for availing of the insurance company's services. As your policy approaches its expiry date, you must renew it by paying the premium.

There may be instances when you cannot pay the due insurance premium on time. You may be busy, unavailable, or not have the funds to renew it or simply forget to renew your policy. What happens to your policy, then? Does it expire and lapse? No. You might enjoy a special privilege known as the grace period, which prevents your policy from lapsing.

Let us know more about the grace period in car insurance.

1. Duration:
An insurance company usually provides a 15-30 days grace period from the expiry of your car insurance policy. However, it may differ from one company to another as per the policy's terms and conditions.

2. Charges:
Normally you don't have to pay any extra charges even if you renew your car insurance policy during the grace period. There may be a penalty if you do not renew your policy even within the grace period and do it after it ends.

3. Accrued bonus:
No-claim bonus (NCB) is the bonus amount accrued yearly in your policy if you do not raise a claim in that year. You get a discount on the insurance premium amount at the time of renewal of the policy, depending upon the NCB accrued to date.
Does this accrued NCB expire if you do not renew your policy in time? The answer is "NO". You can enjoy the benefit of your NCB even if you renew your car insurance policy during the grace period. However, the NCB may lapse and become inactive if you fail to renew your policy even within the grace period.

4. Claim settlement:
As we have discussed above, your car insurance policy will still be valid during the grace period. What happens if your car meets with an accident or gets stolen during the grace period? Will the insurance company entertain your claim now?
The answer is "NO" again. Your claim will be rejected simply because you did not renew your car insurance in time. Hence, it is crucial that you always renew your car insurance policy before its expiry date or as soon as possible because accidents come unannounced, even during the grace period. The entire purpose of having car insurance coverage will be defeated in such a situation.

5. Legal aspect:
According to the Motor Vehicles Act, it is mandatory to have a valid and active car insurance policy in India. Your car insurance is technically invalid if your insurance policy expires and you enter the grace period. Hence, legally you will be driving without a car insurance policy. The police will have the right to fine you and issue a challan if you're being stopped.

6. Inspection:
The car insurance company may again send an agent for the inspection of your car if you renew your policy after the grace period expires. In such a case, you will have to bear the inspection charges.

An active car insurance policy is essential as it safeguards you against any mishap involving your car and third-party liabilities arising from it. So why wait for the policy to expire first to renew it?

You should always renew your policy in advance, so your protection remains intact. You can easily opt to buy car insurance policy online and also renew it online later. Buying and renewing a car insurance policy online is fast, simple, secure, and 100% reliable.

Click HERE to 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.

Millions worldwide suffer from back or neck pain occasionally or regularly. A healthy spine is as essential for our body as oxygen is for living. Poor spine health can result in strained muscles, spinal ligament injury, ruptured discs, or spinal stenosis, generally caused by age-related wear and tear.

It can cause severe pain in the back and make you unfit to do your daily activities properly. In the long run, poor spine health can make you depressed and downhearted and cause immense psychological distress.

Hence, it is vital to maintain optimum spine health. Here are a few tips for doing the same.

1. Exercise:
Proper and regular exercise is essential for optimal spine health. Create and follow a simple exercise schedule every morning or evening as time permits. The exercises should stretch and strengthen your back, hamstrings, and abdomen muscles.
Targeted exercise under proper supervision can also reduce inflammation. It will accelerate your healing process and rehabilitate your injured spine.

2. Sitting and standing posture:
It is essential to maintain the correct sitting posture for optimal spine health. Your sitting posture should support the arches of the natural curves of your spine. Failure to do so can damage your sensitive spinal nerves and cause pain. Get a proper adjustable chair at the office and home to help you maintain the correct posture.
You should take regular breaks and stand several times daily to maintain a neutral spine alignment. Keep your back straight while standing. A slumped posture can hurt your spine in the long run. Also, frequent breaks will keep your spine in motion, keeping it flexible and limber.

3. Correct sleeping posture:
It is vital to maintain correct posture while sleeping as well for optimal spine health. Ensure that you have proper lumbar support with a good mattress and supportive pillow so that your back and neck are not strained while sleeping. You should also avoid sleeping on your tummy as it can strain your spine and cause injury and pain in your back.

4. Lift heavy objects properly:
It is important to lift heavy objects with proper caution and care. When you lift a very heavy object, you put tremendous pressure on your back and spine. It may lock your spinal joints or rupture your spinal discs. You should keep your back straight, bend down on your knees and use the power of your legs and abdomen muscles to lift a heavy load. This will reduce the load on your spine.

5. Do not over-exercise:
Do not over-exercise or engage in any activity or rough sports activities that can put unwanted pressure on your spine and hurt it. Consult a doctor immediately and take expert guidance if such a situation arises.

6. Yoga:
Performing yoga can be an excellent way to maintain optimal spine health. Several yoga asanas help to stretch and strengthen your back muscles, helping to keep your spine in good shape.

7. Massage and heat therapy:
Massage relieves back pain by improving blood circulation, restoring spinal motion, increasing endorphin levels, and boosting happiness. Also, massage helps to cure insomnia. You can also go for heat therapy for your back muscles. It increases blood flow and reduces muscle and joint pain around your spine.

Optimal spine health is a must for your fitness and overall well-being. If not maintained, it can lead to several back and neck-related problems resulting in difficulty while performing routine activities. Follow the above tips to maintain optimal spine health.

Other than the above tips, health insurance is a must to protect you from health hazards. It will give you comprehensive coverage and security if you require medical assistance and hospitalisation due to spine and back-related problems. Go for the best health insurance plans in India to enjoy the best medical treatment with hassle-free insurance coverage and protection.

Click HERE to invest in 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.

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

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

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

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

● Third-party injury

● Vehicle theft

● Accidental damages

● Third-party property damage

● Death of the third party

● Natural calamities damages

● Artificial calamities damages

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

● Damage caused due to fire

● Bike theft

● Natural calamities

● Accidental damages

● Artificial calamities

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

● Third-party injury

● Third-party property damage

● Death of the third party

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

Inclusions:

● Accidental house fire

● Natural calamities

● Riots

● Motor accident

● Vandalism

Exclusions:

● Fire damage due to mechanical or electrical defect

● Damage due to the addition of extra accessories

● Damage due to deliberate acts or own negligence

● Fire damage caused outside the specific geographical area

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

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

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

● Visit your nearest police station and file an FIR

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

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

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

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

Documents required:

● Driving licence

● Identity proof

● FIR copy

● Registration certificate for bike

● Report of the fire brigade

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

Click HERE to buy two wheeler insurance online.

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

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

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

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

What is motorcycle welding?

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

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

Tips for effective welding:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Click HERE to buy the best personal accident insurance India.

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

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

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

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

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

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

● Blood pressure screening

● Vaccinations

● Diet counseling

● Depression screening

● HIV prevention medication

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

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

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

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

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

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

Click HERE to buy health insurance in India for parents.

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

Many young bikers love to install pressure horns and modified silencers on their bikes to show off, seek attention, stand out in a crowd, and make their presence felt. It is their style statement and a way of saying they have arrived.

However, people around you can get distracted and panicked when you suddenly blow your high-decibel pressure horn in a crowded street. They may lose their balance and control, may swerve, and meet with an accident.

Here are the consequences of installing pressure horns and modified silencers on your bike.

1. Fines:
The Motor Vehicles Act of 1988 is an act that consolidates and amends the laws that govern motor vehicles and their running in India. According to the amendment of section 190(2) of the Motor Vehicles Act in the year 2019, causing air and noise pollution by installing pressure horns and modified silencers on your bike can attract a penalty of up to Rs.10000/- and imprisonment of up to six months. This fine will be imposed if your pressure horn or modified silencer produces more than 80 decibels of noise.

2. Functioning and mileage:
Other than attracting fines and penalties, we should also consider the consequences of installing pressure horns and modified silencers on the functioning of our bikes. Pressure horns create undue load on the battery of our bike. It can make it weak and damage it in the long run. If we have not used the bike for long and the battery is not charged, using the pressure horn in stationary mode can kill the battery. You will not be able to use the self-start option in this case and get stuck.
Installing modified silencers may sound cool, but it can worsen the mileage of your bike by around 15%-20%. Modified silencers directly impact the engine pulling capacity of your bike. You may need to go for an engine tuning too. An acceleration tuning setting of your engine due to a drop in its pulling power can lower the mileage of your bike.
Modifying silencers will also involve changing the original angle of the exhaust opening. This may increase the total length of your exhaust pipe and the number of bends in it. Both cases lead to a lowering of the velocity of gases movement in the exhaust, resulting in a higher generation of emissions. Higher emission means higher fuel consumption.
Hence, be ready to shell out more on your fuel cost with modified silencers. Also, it can damage your bike engine too in the long run.

3. Drain on your wallet:
No modification to your bike comes for free. The same applies to installing pressure horns and modified silencers on your bike. A pressure horn can cost double the regular horn in a bike or even more. Garages charge hefty amounts starting from INR 2500 and above for silencer modification of your bike.

Installing pressure horns and modified silencers on bikes is usually a style statement for the young generation. Bike enthusiasts love to fiddle with their bikes and make them look fancy. Customising the bike can make you stand out in the crowd. However, such modifications pose a negative impact on the environment and people. We should understand that high noise emission often leads to nuisance creation on the roads and disturbs people around us.

As a responsible driver and law-abiding rider, always follow the traffic rules and avoid the above modifications, which may land you in trouble. Also, be sensible to have two wheeler insurance online India to avoid any financial hassles against mishaps and accidents. Premium amounts can be easily compared between various policies and involve no paperwork. Also, it secures and covers you like any other offline policy without compromising quality.

Click HERE to buy your 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.

In India, the majority of motorcycles lack a slipper clutch. While learning motorcycle, many people find it challenging to downshift correctly. The engine comes under stress because they typically downshift while holding the clutch, which results in the higher gear accelerating harder than the lower gear at the same speed. To match that speed on the lower gear for a seamless transfer, one should preferably rev a bit higher before downshifting. Otherwise, you would be "engine-braking," which is not an intelligent way to slow down.

The correct way of downshifting is to blip the throttle between shifts to match the revs to the speed. This is also known as revving. In this post, we are talking all about it. So, without further due, let's get into it.

How to rev-match correctly?
● As you press the brakes, hold the clutch and downshift as you start to slow down (do not release the clutch yet).

● Now, "blip" the throttle while maintaining clutch pressure to increase engine RPM gently.

● As soon as the engine starts to rev, let go of the clutch instantly.

● Don’t forget to keep carefully applying the brakes. When you downshift, the aim is to match the revs needed for the bike to move at that precise pace.

● If your bike jerks and slows down unexpectedly, it means that the engine's RPM wasn't high enough. Try to rev it up further the next time you try it.

● The last step would be to practice and practice. Getting it right the first time is not necessary. Don't give up. You will learn how to downshift with time.

The importance of rev-matching.
Now that you know what occurs when your motorbike is rev-matched, let's talk about its significance. Downshifting without rev-matching may cause a significant shock in the motor while travelling at high speeds, especially on large bikes with high horsepower output. The result will be a back wheel that hops, skips, and steps out of alignment. In a scenario like this, controlling the motorcycle at high speeds requires excellent control and precision. The shock won't be as extreme or dramatic on motorcycles with less power, but it still has the potential to cause an accident.
Matching your RPM reduces engine wear and tear, yet another crucial justification for rev-matching. The shock that results from improper rev matching puts more strain on the engine and gearbox, among other parts.

Does rev matching consume more fuel?
The forceful use of the accelerator does cause it to use somewhat more fuel, but only little than usual.
If done properly, rev-matching can assist you in downshifting efficiently and reduce stress on your engine and clutch. It's a tactic that bikers employ frequently. It's crucial to keep in mind that you don't have to match your revs perfectly at first when you're practicing. To master, like with any other ability, rev-matching needs considerable practice. You will eventually be able to tell when your engine and road speed are in sync.

Take your first step towards rev-matching today, and don't forget to be safe. Riding on roads is always an invitation to mishaps that may be a potential threat to you and your bike. Always stay alert while riding, wear a protective gear helmet, and avoid overspeeding. Do not forget to invest in the best bike insurance for an additional safety net over your bike. Buy bike insurance online today and gift yourself with benefits that will eliminate the financial stress off you during panic situations.

Click HERE to buy bike insurance online and get rewarded with effective 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.

If you are a biker, you know the importance of maintaining your bike in top-quality condition. Some people learn ways to keep their bikes on their own, while others depend heavily on mechanics and service stations to maintain their vehicles properly. In this article, we will understand the functions of one of the most vital components of a bike, the spark plug, and how to maintain and change it.

What is a spark plug?
A device that delivers electric current to the combustion system via the ignition point is known as a spark plug. A spark plug ignites and fuels the vehicle using an electric spark while maintaining the engine pressure.

What key dimensions do you need to look for in a spark plug?

1. Diameter:
The right diameter is imperative for the proper functioning of the spark plug. The wrong diameter can affect the internal components and damage the bike.

2. Reach:
The spark plug's optimal range or reach determines its ignition capacity. If the length of the spark plug is too short, it will fail the ignition. And if it is too long, it might ignite pre-emptively or get jammed and hit the valve inside.

3. Range:
The range of the spark plug is calculated by the distance from the insulator's tip to the ceiling ring. A longer distance will heat the plug and cause pre-ignition, while a shorter range results in a colder plug resulting in easy wear and tear.

4. Gap:
The distance between the centre and the grounded electrode is known as the spark plug gap. The bigger the size of the gap, the bigger the spark produced.

What are the indicators of a damaged spark plug?

1. When you stop the bike, and the engine starts sputtering or idling, it indicates a failed spark plug.

2. If you have trouble starting your bike engine, it could indicate trouble with ignition and the spark plug.

3. If you notice corrosion in various parts around the spark plug, then it is high time to change your spark plug.

4. You might have a faulty spark plug if you notice a poor fuel economy.

Various other factors are indicators of a faulty spark plug. If you notice any problem while riding your bike, it is best to take your vehicle to a mechanic and inspect it as soon as possible.

How to change a spark plug at home?

Although it is advisable to make any changes to your bike under the supervision of a trained mechanic, if you want to change your spark plug, the following list will help you with that.

1. The first thing that you need to do when changing a spark plug is to pull the cap and remove the wire. Remember to do it gently, as a sudden tug or pull can damage the connection and prevent the ignition from happening.

2. Attach the ratchet to the plug and make sure that the plug is fitting properly inside the socket. Using the ratchet, turn the spark plug till it is loose, and then carefully remove it.

3. Inspect the plug for oil and soot deposits or other damage. If the spark plug is greasy and dirty, it is high time to change it with a new one.

4. Before fixing a new spark plug, it is better to check for the range, diameter, and space of the spark plug. The exact spacing of the spark plug will be mentioned in the user manual.

5. Clean the new spark plug and place it neatly to ensure it fits properly.

6. Tighten the spark plug and put the cap back on.

These were the steps you need to follow when you want to change the spark plug of your bike. Remember that if you notice any abnormality with your bike and experience trouble while driving, it is best to get it checked by a mechanic. Invest in bike insurance to safeguard yourself against the cost of repair and maintenance. Bike insurance adds value to your bike and helps you gain a better riding experience with more focus on security and less financial stress.

Click HERE to buy bike 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.

Maintenance workers are a highly underrated and neglected section of any organisation until a problem arises. Their day-to-day work requires many risky tasks as they have to come close to machinery or processes and repair them.

Such activities may include the disassembly and reassembly of complicated machinery. The chances of accidents are always high for them as maintenance activities are usually unplanned and involve the possibility of human error.

Let us learn about the best tips for ensuring the safety of maintenance workers.

1. Plan and stick to a schedule:
Maintenance activities should always be planned in advance so that workers get time to do a risk assessment and be mentally prepared for it. A regular safety check schedule should be put in place so that the maintenance workers know in advance the potential hazards of the task.
The tools and personal protective equipment (PPE) should be checked for safety on a routine basis. Proper planning and making a schedule for safety checks will also help the maintenance workers to sharpen their work skills according to the specific needs of the task.

2. Authorisation:
The proper authorisation should be in place for the operation of critical machinery. Only a few should have authorised access to critical work areas or permission to go near critical and complicated machinery. Power should be turned off when the machines are not working. The proper authorisation will ensure that no one turns on machinery or part of it while the maintenance workers are working on it.

3. Appropriate equipment:
The management should ensure that the maintenance workers have the appropriate equipment to perform their tasks. The workers should also consistently check on their equipment, whether a small drill machine or a welding machine. It should not happen that equipment fails to operate while performing a maintenance process and puts the worker and his team in danger.
The management must also ensure that they constantly upgrade and modernise the equipment to match the need of the hour and are not obsolete.

4. Working as a team:
Maintenance works are usually sudden and critical in nature. They come up when something important, such as the main production process, has stopped. The maintenance workers should work as a team because a lack of coordination in maintenance activity may lead to accidents and injuries.
The team should follow all the required safety processes and protocols. Also, they should do a thorough after-use check of all the critical equipment and tools they use. This will ensure the tools are fit for the next maintenance assignment.

5. Final checks and inspection:
The maintenance workers should thoroughly inspect the repair work they have performed. They should do a trial run of the machine only after they are fully satisfied with their work and are sure that everything is back in order. This will ensure their safety as otherwise, they may meet with an accident in case of incomplete repair work.

Maintenance workers are an essential part of an organisation's workforce. They put their lives at risk to fix the errors and bring back life to the stopped processes. While ensuring the safety of the maintenance workers, any company must also go for public liability insurance. It will protect the company if any third-party liability arises from accidents, injuries, or property damage.

Public liability insurance prices vary with a business's individual needs and the scale of its operations. One should compare the prices of policies available with different service providers and then make the purchase decision accordingly.

Click HERE to learn more about public liability insurance prices 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.

Purchasing a vehicle is a big decision. It takes lots of planning, comparison of available options, and budgeting to arrive at the final pick. This applies to both cars and two-wheelers. Despite being significantly smaller and cheaper than their 4-wheeled counterparts, the extensive options in the market make it a tough choice for two-wheeler buyers. The ultimate decision depends on the budget and purpose of purchasing two-wheelers.

While it is mandated to buy two wheeler insurance India before hitting the road, once the paperwork is ready, all that’s left is for you to enjoy comfortable rides!

But there is one more piece of information you need to be aware of, i.e., Motorcycle Break-In. Does break-in sound unfamiliar, or are you wondering about its need? We’ve got all your questions covered below!

What is the breaking-in period?

The breaking-in period lasts for the initial 800 to 1600 kilometres for which the two-wheeler is driven. In simple words, it is the period it takes to get the new motorcycle running at its smoothest and allow the rider to get used to the vehicle.

Why is it necessary to break-in?

Breaking-in may seem like an unnecessary classification of a period that you can do away without any consideration. However, how the bike is operated initially impacts its running in the long run.

When a motorcycle is produced and advertised for sale, it goes through strict inspections and quality checks that guarantee the end user of its useability and safety. The main component of the bike, the engine, is fitted with several small parts that glide together smoothly to result in a perfect performance. This is facilitated by the ideal compression ratio, which is only possible if the engine fuel does not spread over the engine walls. Breaking-in correctly ensures that the piston, valve, cylinder walls, and piston rings generate friction such that a tight seal prevents the leak of fuel.

The benefits of proper breaking-in can be summarised as follows:

1. Lower carbon emissions

2. Optimised fuel usage

3. Longevity of engine life
 

The don’ts of two-wheeler break-in.

1. Don’t ignore the manufacturer’s instructions and take the word of other self-proclaimed experts.

2. Steer clear from rash driving under the false pretext that it would benefit your engine. It will only accelerate wear and tear and make the bike risky.

3. It is legally enforced to buy two wheeler insurance India immediately upon purchasing the vehicle before it is used. Ensure that you do not start the process without insurance.

The right way to ride your two-wheeler in the break-in period.

The proper technique of breaking-in subjects the engine to different stress levels such that the components adapt to each other and develop friction between themselves to create the perfect seal that prevents fuel spills. If the manufacturer has provided instructions, follow them to derive ideal results. In the absence of such instructions, follow the below-stated steps:
● Identify a comfortable stretch that allows shifting speeds and gears. Empty roads or highways are ideal

● Stick to the max speed of 50 Km/h and strictly ride without a pillion

● Use at most 3/4 throttle

● Alter gears with increasing speeds and do so gradually

● Ensure gradual breaks or acceleration instead of jolts

● Constantly monitor your bike’s engine speed and pay attention to your gear engagement to prevent motor lugging

● Allow your bike’s engine to cool down every 30 minutes while breaking-in to allow it to retain its shape

You can ensure a perfect break-in by keeping the above points in mind and following the instructions in your two-wheeler manual. Before you start the process, ensure that you buy two wheeler insurance India to protect your bike against any damages.

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.

The human body is the basis of all sustenance. All your organs are arranged in a highly complex manner and have been connected to derive energy from each other’s functionalities.

Every day, thousands of scientists across the globe conduct further research, trying to discover new things about the body which help us thrive even in the worst of circumstances.

You might have read about human anatomy in your school and college, but we bet there are many weird things about the human body that you might not know. Intrigued? Here are some strange facts about your body that you should know. Let’s get started.

1. Did you know that babies have 300 bones during birth instead of the usual 206 bones that develop over time as you grow older? A baby’s bones are delicate, and their bodies have bones half-made of cartilage.

2. The longest bone of your body, called Femur, is located in your upper leg and can manage almost thirty times your body weight.

3. The saliva your body makes every day, if collected for an average lifetime, can fill up to twenty thousand litres, roughly accounting for two giant swimming pools.

4. Almost twelve percent of people dream of monochrome (black and white). This had significantly reduced from fifteen percent before colour televisions and media took over. It is quite intriguing to observe how colour media has influenced the dream patterns of human beings apart from other impacts they have caused on our lifestyles.

5. You are more prone to heart attacks on Mondays due to the sudden stress you face as you get back to work. Your body gets a little relaxed over the weekend, and the pile of work at the beginning of the week creates sudden tension in your body. Plus, having excessive alcohol in your weekend plans makes your body vulnerable to heart attacks.

6. You are usually taller when you wake up in the mornings! This happens due to the compression of bones’ cartilages during the day. So, the body relaxes at night, and you are a little taller in the morning. An ode to gravitational force, it seems!

7. Ever wondered why permanent tattoos are so hard to remove? That’s because they are ingrained in your nerves and not on the top layer of your skin. Permanent tattoos take their space in your immune system, so lasers must be involved for their removal. Using lasers kills the cells, and the remaining ink released is processed by macrophages, which also helps heal the laser injuries. The tattoo takes a few sessions to start with the fading process.

8. See your hand. You see that little finger, or as you call it, your “pinkie” finger? Research has found that the maximum strength of your writing lies in your little finger, and you would lose fifty percent of the power if you lost that pinkie. Who would have thought?

We hope these facts amazed you and catered to your curiosity about your body. And while we are on the subject of strange facts, we must not forget that health is wealth, and if health is lost, nothing stays the same. You must take good care of your physical and mental health by eating right, staying safe, exercising, etc.

Also, you must stay prepared for unforeseeable circumstances you might find yourself or your loved ones. There can be no better investment than investing in your health. If you are in the best of your health, you can achieve all your aspirations and get the maximum returns. Health insurance is the right way to approach such situations. Explore your options and purchase the best health insurance policy in India which best suits your needs and provides comprehensive coverage.

Click HERE to know more about the benefits of the best health insurance policy in India.

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

Monsoon is here, and it is the much-needed respite from the scorching heat of the summer months. A hot cup of tea and a bowl full of crispy fried fritters are a great accompaniment to the pouring rain. But as refreshing as the monsoon rains are, the hindrance it causes to people's daily lives is inevitable and frustrating.

Rain brings many issues: power outages, poor internet speeds, flooded roads, and delayed meetings. We will look at the few ways you can tackle flooded roads and how to drive through the heavy downpour safely.

1. Do not stop:
If you are in a flooded area, waiting for the rain to pass might not help. Chances are, the rains will get heavier, and the roads will be filled with more water. Under these circumstances, it is best to keep moving steadily. Do not accelerate quickly or halt suddenly. Water entering the crevices inside the car's chassis can affect the car's functionality. If water gets to the engine through the exhaust, you might have to change the engine altogether, which can be quite expensive.

2. Brakes and pumping:
Once you are out of the water-logged area, it is best to pump the brakes to eliminate any residual water that might have collected. Water or humidity in the brakes can affect the efficiency of braking.

3. Maintain a safe distance:
Being neck to neck with vehicles can be extremely dangerous when navigating through flooded roads. The vehicle moving ahead causes ripples that raise the water levels around your car. This can lead to the water entering the exhaust or the air intake.
Also, navigating through water-logged roads is very difficult, and one might not be aware of any potholes or bumps on the road. Sudden bumps can push the vehicle back, damaging the front of your vehicle.

4. Figure out alternate routes:
Although it is best to stick to familiar roads, in case of floods and rains, you might consider taking an alternative route. Not all routes are flooded equally, as some roads might have better slopes and drainage systems. Even if it's a longer route, it will be better for you and your car.

5. Do not panic:
Being stuck inside a car and unable to move can be daunting and create panic. Focus on getting to a safe place. You might not be able to open the door because of the force created by the water around your car. Under such circumstances, use any tool to pry open the windows.
Look for any tools that are easily available under your seat or inside the dicky. Tools such as jacks, wheel wrenches, and spanners are readily available inside your car. Do not try to break the windshield as they are harder to break than windows.

These are a few things that you need to keep in mind while driving through flooded roads. Once you are out of the situation, it is best to take your car to a service centre and get it checked for any damage. Repairing these can be expensive, but you don't have to worry about the expenses if you are insured by the best car insurance in India. Possibly opt for travelling by public transport during monsoon. It may sound daunting, but it is a wise option to commute rather than getting stuck in the middle of the road due to the breakdown of your vehicle.

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.

Owning a business is a challenge, but with the right mindset and efforts, you can make the most out of it. Whether a small store in a quaint locality or a well-known brand with multiple branches, it takes time, capital, and decision-making to scale a business and generate profits. Irrespective of the nature and size of the business, an essential feature is customer service for its growth.

Whether a service provider or goods dealer, most of the business' work relates to relations with outsiders. Whether directly or indirectly, most businesses benefit from strong connections with suppliers, dealers, and customers. Since these stakeholders frequently visit your business premises, it is necessary to make your store safe.

Purchasing public liability insurance in India is a practical investment to prevent your business from shouldering the burden of injuries and damages to third persons on your business premises. Coupled with our tips to make your shop safe, you can guarantee the safety of customers visiting your office or store.

1. Security supervision systems:
Installing an effective and advanced security system is key to securing a store. This includes CCTV cameras outside to capture the exterior for any suspicious movement and abnormalities. Inside the store, these cameras should be placed at junctions to give a complete view of the shop. This prevents burglary attempts and also helps identify mishaps at the earliest.

2. Automated door and window sensors:
Automatic sensors on or near entry points like doors and windows are necessary to prevent unnoticed entry into the store. Additionally, they also help limit access to risky areas within the store. For example, specific storage space or cold room should be out of bounds for non-employees. The easiest way to ensure this policy is by setting up systems that instantly alert the proprietor.

3. Practical stocking of goods:
If you run a store dealing in goods, displays are essential to your store layout. If stocked improperly, customers risk getting injured due to falling goods. You must settle these cases at the earliest. Ensure your employees are well-trained to prevent such situations.

4. Hazardous goods in the store:
Depending on the nature of the business, you may have to store some hazardous substances like chemicals, manufacturing, or electrical parts intended for sale but of risky nature. It is essential to place them at a height that is not accessible to children. For added security, take cautionary notice around such goods to alert customers of potential risks.

5. Maintaining hygiene:
Keep your stores safe for customers. This includes regular cleaning to prevent slipping, sanitisation to avoid infectious diseases, and to provide a safe experience for them. Wherever required, ensure that anti-slip mats are placed and that any wet aisles have precautionary notice boards nearby.

6. Parking and storefront safety:
Parking areas and storefront space are also included within the limits of your place of business. While the above mentioned methods can keep customers safe inside the store, these external areas should also be accounted for. Ensure that the parking space is well-lit with clear directions. Wherever possible, use tactile pavements instead of smooth pavements or slopes to prevent customers from slipping in unfavourable weather conditions.

While there are some tips you can follow as extra precautionary methods to make your store safe for customers, the first thing you must consider is purchasing public liability insurance in India. It covers damages and injuries caused to a third-party or third-party property on the insured's business premises. It eliminates the liability on a business to compensate for accidental mishaps, which may take up huge bills. Public liability insurance in India is a valuable option that limits a business' liability to outsiders when damages happen by accident.

Practice these tips and make your shops a convenient and safe place for customers to enjoy shopping while being at peace. The better you serve your customers, the best outcomes you will get from your business.

Click HERE to buy public liability 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.

Monsoon is here, giving us the perfect opportunity to take ourselves out on a drive and snack at roadside eateries. But it also brings the many challenges of navigating through heavy rain, congested roads, and low visibility. Adding to that are the fogged windscreens making driving more challenging on the roads.

When a relatively warmer surface comes in contact with a cold surface, it gives rise to fog or mist. The cold surface of the windscreen forms tiny condensation particles and fogs up the surface obstructing the vision for both the driver and the co-passenger.

A foggy window should not be the reason to dampen your monsoon spirits, which is why, in this article, we will take a look at all tips and tricks that you can follow to ensure a fog-free windscreen for a better driving experience.

1. Invest in a good quality defogger:
As the name suggests, it is used to defog the car windscreen. A defogger uses the air conditioning to draw air from outside the vehicle and passes through a heater to produce hot air. This air can be directed to the area that requires demisting or defogging. Many cars facilitate the defogging targetted towards the front and back windshield.

2. Turn on the air conditioner:
The basic principle behind using an air conditioner is its function as a dehumidifier. An air conditioner helps with removing the moisture inside the car. Manage the temperature on the air conditioner in such a way that the temperature inside the car and outside the car is similar. The AC can then draw air from outside. After this, you can turn on the heater to effectively clear the fog.

3. Crack open the window:
Most modern cars are equipped with a defogger and an AC. If you drive an old car, or your AC and defogger are not working correctly, you might have to consider an alternative.
In these circumstances, your next best alternative is to crack open the window slightly to facilitate the free flow of air. Another way to ensure no fog on the windscreen is by switching on the wipers while keeping the windows open since the fogging happens mainly on the outer surface of the windshield.

4. Use silica balls:
The fogging inside your car happens because of water droplets and condensation from the humid air. Without humidity, there are almost no chances of fogging. Keeping silica balls handy and placing them on the dashboard is a cost-effective alternative to ensure no humidity. Silica balls absorb water from their surroundings, maintaining the interiors fresh and moisture-free.

These were a list of simple yet efficient tips to follow if you face foggy windows during the monsoon drives. Foggy windows can be dangerous and cause severe accidents due to lack of visibility. These simple tips are essential to have a safe driving experience. Another way to ensure their safety is by investing in online motor insurance. Online motor insurance acts as a safety net against expenses you might incur in post care for your vehicle. Enjoy the perks of buying online by getting better premiums, faster claims, and less processing time.

Click HERE to buy online motor insurance.

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

As winter marks its arrival in India, planning trips with your friends becomes exceedingly essential. India is a country with diverse landscapes, sceneries, and cultures. This makes it exciting for bike trips, and there can be no better season than winter to explore. Bike trips give travellers a chance to discover the unknown.

The lush green surroundings, mountain passes, or scenic landscapes are perfect for exploring via bike. These trips become fun and safe if you've good company and reliable bike insurance.

Can you imagine where to set off this winter? Here's a list of the best biking destinations in India during winter to get you started.

1. Guwahati to Tawang:
Renowned as one of the most beautiful biking tours in the northeast, the Guwahati to Tawang route is a thrill in itself. The route is stretched over 500 km and becomes all the more scenic during winter for biking. Tawang is famous for its Buddhist monasteries and distinctive culture. On the other hand, Guwahati is beautifully cuddled between the Shillong Plateau and the Brahmaputra River.
The surroundings are breathtaking, with mesmerising valley views. The lush green landscapes of Tawang form a beautiful yet intricate contrast with snow-covered mountains encompassing the biking route.

2. Mumbai to Goa:
Goa always tops the winter bucket list of travellers and adventure junkies to explore its vibrancy, especially during the famous Goa Carnival and Christmas. And there can be no better way to travel to Goa than a bike trip with friends. The route through the Western Ghats and the scenic roads of the Malvan region is a delight to experience.
The gentle wind softly kissing the cheeks and mesmerising views taking your breath away are some common experiences you will enjoy on your trip to Goa. The distance from Mumbai to Goa is nearly 590 km, and it may take around 12-14 hours to reach there. If you love nature and beaches, this biking trip in winter will touch your heart and soul.

3. Bengaluru to Kolli hills:
The panoramic hill station will take your breath away while moving from the Western to Eastern ghats. The road from Bengaluru to KolliMalai is both adventurous and heartwarming, with around 70 continuous hairpin bends and the serene sight of the Agaya Gangai waterfalls and historic temples on the way. The distance from Kolli hills to Bengaluru is roughly 287 km, and the journey is worth experiencing.

4. Jaipur to Jaisalmer:
A bike trip to Rajasthan during winter can be a good exploration. The weather is favourable for the bikers to drive continuously for hours without any fatigue. One such route to explore in Rajasthan is from Jaipur to Jaisalmer. From the heart of the Pink City to the charm of the Golden City, this bike ride offers various offbeat experiences that are one-of-a-kind.
The distance is roughly 558 km, and the time taken is around 11 hours. From surpassing beautiful local villages, expansive desert views, and long roads to discovering the colourful Rajasthani culture along the way, this bike journey should be on your wishlist for winter travel.

There are myriad options to consider if you want to take a biking trip during winter in India. These trips become all the more fun when you are in the company of your friends. With India's diverse landscapes, you will surely have the best time of your life.

You must take the journey only if you are an expert driver, as these roads can be tricky. Additionally, you should also have bike insurance so that you have it all covered even if things go wrong. Ensure that your bike is serviced thoroughly before setting off on your trip. The bike’s performance gets impacted, and the mechanical parts jam in extreme winter conditions. Regularly check your bike’s condition during your trip to ensure its smooth working. Also, invest in good quality safety gear and helmet to stay safe while touring rugged terrains. Lastly, enjoy every bit of the journey and conquer new milestones.

Click HERE to buy bike insurance before planning your next winter trip.

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

How often are we stuck behind people scared to use the escalators, or are we the ones scared of escalators? Getting on the escalator can be daunting the first few times, but once you get the hang of it, it is easy and a more convenient way to traverse different floors. If you are worried about escalator safety, this article is just for you.

We will talk about everything you need to take care of around an escalator to make it easier and safer for you. Before understanding the safety measures, let’s examine some key points concerning an escalator.

How does an escalator work?
A set of interlocking steps looped around a pair of gears is made to rotate so that each step oscillates between different building levels.

What are the different parts of an escalator?
Inlet guards: A protective guard made of rubber that fits on the handrail to avoid fingers or other parts from getting caught in the handrail opening.
Operating panel: Switches that operate the functionalities of an escalator located near the boarding and landing parts of the escalator.
Sprocket: The wheels installed at the lower and upper parts attached to the steps are known as sprockets.
Truss: The support system of the entire escalator is known as a truss.
Balustrade: The part of the escalator that goes beyond the steps, including the guards, panels, handrails, and the deck board, is known as the balustrade.

What are the common escalator hazards?

1. Contacting the moving parts:
It is imperative to ensure that all the mechanical parts are adequately covered and are inaccessible to people. Little children tend to touch or hold the moving parts, crush their fingers, or scrape the surface altogether. Remember to hold on to the railings lined with the rubber casing and leave the railing as soon as you reach the standing deck on the escalator.
Don’t use phones or being distracted while on the escalator to avoid accidents. If you are with kids, be mindful and tell them beforehand about the dangers of touching the different moving parts of the escalator. Before getting on to the escalator, check that your shoe strings are tied properly to avoid getting caught between the steps.

2. Collision:
Leave a gap of at least one step between yourself and others on the escalator. Sometimes, people can take longer to get on or off the escalator, raising the chances of a collision. Never place your shopping bags on the stairs ahead or behind you.
This can create confusion and lead to a crash. If you have a lot of bags, it is best to keep them on the same level as yours so you can easily remove the bags off the escalator before getting down.

3. Step carefully:
Before stepping onto the escalator, ensure it is moving in the same direction you want. Step carefully onto the moving band. One key rule to remember is to avoid standing in lines on the escalator. These lines separate into different steps as you move forward and might lead you to topple over to the back.

These are a few things that you need to keep in mind before boarding an escalator. If you are with kids or older adults, hold their hands so that they can keep their balance. If you see elderly people trying to get onto the escalator, offer a helping hand. Escalator accidents are familiar sights in crowded areas but being mindful of your surroundings will keep you safe.

All that said, these situations can be completely unpredictable, and it is best to safeguard yourself in these circumstances with the best personal accident insurance policy in India. Personal accident insurance is the safety net you deserve to help yourself and your loved ones cover the costs of any accidents.

Click HERE to buy the best personal accident insurance policy in India.

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

Health insurance in India covers the costs of hospitalisation, medicines, and doctor consultation fees that can arise from any illness, disease, or accident. It has become more of a necessity because of our eating habits, the lifestyle we lead, and the risks of accidents. Such insurance removes the sudden financial burden you may face due to an accident or the need for expensive surgery.

However, not all is good, even if we have insurance coverage. Here's what you should know about insurance while scheduling surgery.

1. Coverage and limit:
The cost of surgery depends on its type and complexity. While a knee-replacement surgery will cost us around 1.5-2 lakh rupees in India, a more complex surgery such as a bypass surgery can cost upwards of 5 lakh rupees. You should first consider the total insurance coverage you have, keeping in mind the type of surgery you plan to undergo.
Your insurance policy will only cover the policy amount insured. You will have to bear any additional cost incurred in the surgery over the limit prescribed by your policy. Hence, you should be financially ready and arrange the funds accordingly.

2. Waiting period:
Any insurer does not provide cover from the first day your policy starts. The insurance company prescribes a waiting period, after which they will start providing you with the coverage benefits. This waiting period is not specified by any government agency. It depends on the individual company and the illness.
For example, the waiting period for any surgery arising can range from 1-2 years. The waiting period can be as high as four years if you declare a serious pre-existing disease when purchasing the policy. The insurance company will not reimburse you for any surgery scheduled during the waiting period.

3. Surgery insurance plan:
Insurance companies nowadays provide specific "surgery insurance plans," too. You can buy such a plan in case you intend to schedule surgery in the near future. However, you should first check the list of surgeries that your policy will cover.
Next, make sure your sum insured is adequate to cover all the costs related to the surgery. This includes the cost of surgery, hospitalisation, medicines, doctor fees, etc. You should also confirm the waiting period and the exclusions under your policy and assure yourself that your surgery will be covered under it.

4. Cashless claim:
A cashless hospitalisation facility settles your hospital bill without having to pay any cash at the time of discharge. Insurance companies tie up with hospitals and directly settle your bill with the concerned hospital.
Whenever you plan to schedule surgery, make sure the hospital you choose is one of the network hospitals of the insurance company. You can enjoy a cashless treatment facility there. You will not have to worry about paying the hefty bills and getting them reimbursed by your insurance service provider later.

Health insurance in India is extremely helpful when planning a necessary and expensive surgery. It removes the stress of arranging immediate finance for the surgery when you are already reeling under the stress of getting it done.

You should always go for the best health insurance in India available in the market. Its terms and conditions regarding the coverage and payout must be clear. The insurance policy should act like your saviour in difficult times. It should not be an additional burden on you when filing the claim during surgery is delayed or difficult. Also, it should be economical to fade away your financial stress.

Click HERE to buy the best health insurance in India policy to keep you and your family safe from health adversities.

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.