downloads

ComMagmahdiEsalesCallbackLeadcreation

×

Have us call you

  • RENEW YOUR POLICY
  • BUY NEW POLICY

Blog Title

GENERAL INSURANCE BLOG

Category Facet

Search Results

BannerImage

5 Reasons Why Tourists Love Car Insurance

There are thousands of tourists in India at any given point of time. While many stays in one city or area for the entire duration of their stay, others choose to move around and explore. One of the most common ways of discovering new places is renting a car. As someone visiting another country, you would love to see all that you possibly can in the short time that you are there and driving around is great to do that. However, it is essential to keep in mind the necessity of car insurance. Here are five reasons why tourists make it a point to get car insurance: -

  • Covers the Costs of Repairs: As someone coming from outside the country, there are high chances that you don’t know how to drive on the right side of the car. While it is possible to learn how to do so, there can be an accident. If that happens, having car insurance in place helps because it’ll cover the cost of repairs. Depending on how severe the damages are, having the costs covered can be of great help, since they can be quite expensive.
  • Provides Extensive Financial Protection: Again, the costs to be covered would depend mainly upon how severe the accident and so, having insurance would protect you from significant expenses. Whether there is vehicular damage, minor injuries, loss of sight, disablement, or even death, car insurance would cover the costs or provide compensation. You would not have to pay a lot out of your pocket since the insurance would take care of medical bills or repairs.
  • Reduces Liability: If there is an accident, there are chances that someone else was affected as well, whether it is damage to their vehicle or whether they were physically hurt. By taking Third Party Liability, you would not only be saved from having to pay for their damages but also from the legal ramifications; the insurance would cover all that. Getting Third Party Liability is mandatory in India. By getting car insurance, tourists can avoid getting involved in legal procedures while visiting.
  • Covers the Cost of Treatment of Passengers:
  • By opting for the best car insurance policy in India, you would protect yourself from extensive costs due to a car accident (either medical bills or repair costs). There are high chances that your co-passengers would be protected. If during an accident, not just you but your co-passengers get hurt, the insurance policy would also compensate for their damages; it would cover hospital visits, medical bills, any surgeries or operations, etc.
  • Compensation after Death: Unfortunately, driving cars can lead to not just accidents, but, the accident can cause death as well. In this case, the car insurance policy you have chosen could provide compensation to the family, depending upon its terms or coverage. The demise might seriously affect the daily life of the family, and the insurance policy might help pay for their expenses.

Whether you are a tourist or a native, finding the best car insurance policy in India is no longer a difficult task since there are hundreds in the market. All you need to do is thorough research and choose the plan which offers maximum coverage and compensation in the event of a car accident.

BannerImage

5 Essential Things to Keep in Your Car

Cars become a second home to those who love travelling and driving. Be it driving long distance or shorter ones, before we start off to any destination we need to ensure that we are stocked up on essential things that will come handy in emergency situations. As goes the saying, precaution is better than the solution, it’s better to be well equipped than to wait for help.
Still feeling unsure of what should be the essential things that you should keep in your car?
Well, we bring to you the 5 most important things that your car must have.

● Documents-

These are the things that should be your topmost priority. Documents like registration papers, the license and insurance papers, are a vital and most crucial thing that should always be in your car in a safe place. In case of any emergency like an accident, these papers are essential and required for any legal procedures. Also make sure to include the car manual, your emergency contact numbers, health cards with your medical records. Emergency contact numbers would help someone to call and reach out to your near and dear ones when you are in need and are unable to do so.

● Safety kit-

Before heading out anywhere, you should always carry the first aid kit with you at all times. A safety kit includes band aids, antibiotic creams, pain-relievers, tweezers, cottons, and many more. It is not only important but also crucial to ensure you do not need to wait for the first aid to arrive when in need. You can administer it to your fellow travellers or even yourself when required. A safety kit provides you with the immediate medical aid that is indispensable and very essential in saving lives. A safety kit does not only include the medical aid, but also includes the survival tool kit.

● Dry food-

Every time you drive, the other most essential thing to be stocked upon is the non-perishable food items. These can be anything starting from energy bars to the dry fruits and nuts. Dry foods ensure you do not end up being hangry when driving.

● Spare parts and tools-

Spare parts and tools like duct tape, match sticks or lighter, window breaker, flashlights, etc, are another list of important things that you should make sure to carry before you drive any car. When driving, there are times you end up with road emergencies like a flat tire and having a spare part and knowing how to change the tire makes it easier and quicker for you to reach your destination.
Not only do the spare tools and parts facilitate a smooth drive, they also ensure you do not need to run and search when having an emergency.

● Health essentials-

Every person has their share of health emergencies. Especially when you are a woman driver, you need to maintain your health hygiene whether you are on the roads or anywhere in the world. Keep a health essential kit to make sure your health does not take a back seat when driving and travelling. Clean microfiber cloths, packs of ‘lady’ products, sunscreen, your kit of prescribed medicines that you might need incase of any health emergency and tissues.

BannerImage

5 Tips To Take Care Of Your Eyes If You Work At A Computer All Day

If someone were to tell me in 2019 that many of us would be using a screen in 2020 as if our lives depended on it, I would dismiss them entirely. But with the COVID-19 pandemic forcing us to sit across a laptop or our cell phones for academics, work, or recreation, we seem to be headed towards the reality I initially dismissed.
We wake up to our social media notifications. Go about the day jumping from one online lecture or work meeting to another. Fall asleep to an episode of a web series or responding to personal messages. As you can see (pun intended), in this newfound reality, it is our eyes that undergo a considerable amount of agony, inhaling all of that blue light.
More and more individuals have realised the need to care for their eyes in this pandemic. So here are a few ways in which you can do the same as well:

1. Monitor Distance - Room Lightning - Eyewear

It will be ideal if you place a computer screen at an arm’s length and 20 degrees below your eye level. This position helps avoid eye strain. Make sure you have enough diffused lighting in your room. Too much or too less light can cause the eyes to experience stress. Lastly, it is highly recommended to wear anti-glare glasses or lens when working on a computer all day long.

2. 20 - 20 - 20 Rule

If your eyes are dear to you, you should continue showering them with some affection by observing the 20 - 20 - 20 rule. Every 20 minutes, look away from the screen and fix your gaze on an object 20 feet away for a total of 20 seconds.
Unless you have a measuring tape, it will be difficult to measure 20 feet accurately. Being sureshot about the distance is not the key. The idea is to stare at something far away - maybe a building across the street or a tree. It takes about 20 seconds for your eyes to relax. And you can set a reminder for every 20 minutes. This is how you perform the rule!

3. Sleep Well

One common mistake that some of us make while going to sleep is that we do not cover our rooms in enough darkness. Our bodies are known to sleep well due to the release of a specific hormone called melatonin. And this hormone is produced in response to darkness — the more the melatonin, the better the quality and quantity of our sleep. So make sure to pop an eye mask while inviting the ZzZs.

4. Avoid Rubbing

Your hands are covered in dust, germs, dirt and whatnot. And these can be easily transferred to your eyes each time you rub them. To avoid irritation or infection, avoid touching your eyes directly with your hands.

5. Limit Substance Use

You thought smoking could only affect your lungs and heart? Think again. Research shows that smoking can cause dry eyes - a condition causing them to feel itchy, stingy and red. It can also increase the risk of developing cataract.
Consuming too much alcohol can lead to a condition named optic atrophy, wherein the nerve endings of the optical system get damaged, resulting in low vision or complete loss of it.

BannerImage

5 Things Your Parents Taught You About Fire Safety

Right from childhood apart from studies we are taught about being safe in general, there are numerous ways in which you could hurt yourself, and thus, it is essential to know the dos and don’ts in your daily life. Something quite likely to cause a lot of damage is fire; no wonder today people have become more concerned about finding the best fire insurance policy in India so that any costs incurred due to fire damage are covered.

Here are five things your parents would have surely taught you about fire safety:

  • Know the Emergency Number: Regardless of whether you are a child or not, it is highly necessary always to remember the fire emergency helpline number, which happens to be 101 in India. While there are some steps you can take if there is a fire, it is always better to call the fire department to ensure that there is no trace of the fire left. Moreover, as a child, if there is no one around, you were most likely not able to do much, and calling them would be the only option.
  • To leave immediately: If you see a fire, especially one which is growing, you should leave the premises immediately. There is no saying how the situation might escalate, and you might end up getting hurt or severely injured if you stay indoors or hide somewhere.
  • Electrical fires: One of the most common reasons for a fire is electrical. Often, there is a shortage of power, or the wires might break, causing a fire. You must know never to try to put it out with water since you might get a shock.
  • Don’t play with flammable objects: Every household has objects such as lighters, matchboxes, candles, and other flammable ones, which could potentially cause a fire. It is essential to explain to children what these objects are for, and what damage they could cause if played with, like fire can be harmful and how these objects make use of fire, instead of merely keeping them away, especially since children are curious by nature. Also, when cooking, children should not be allowed near a burning gas and should not be left alone in the kitchen.
  • Keep heaters and other appliances away: Most people use heaters during the winters to keep warm, and they must take precautions to keep such appliances away from the reach of children. You must ensure that their toys are nowhere near the heater or that they don’t play around such appliances since there is always the possibility of knocking it over and causing a fire.

While it is very crucial to take all the precautions when it comes to fire and to teach children about its possible threats, it is also essential to have a fire insurance policy in place to cover any costs due to fire. You must make sure to choose only the best fire insurance policy in India to ensure that you would not have to pay a considerable amount to repair any damages.

BannerImage

What are the best practices to be followed in a corporate office?

Motivated employees are the biggest asset of any company or organisation. They not only increase the overall productivity of the company but also generate better output. But the question arises, how to keep the employees motivated?

By implementing and following certain practices in the workplace, you can ensure that your employees give their best and develop both as a staff member as well as an individual. Given is a detailed explanation of the best practices to be followed in a corporate office:

  • State your expectations clearly - Many times, bottom level workers feel crushed under the expectations of the middle-level managers or employees. Therefore, as an executive, is utmost important for you to be very clear about what you expect from your employees. You should elaborate on the quality of work you expect from them, timelines, personnel role is in a certain project, and so on. This way, they do not feel the burden of work or meeting deadlines at the very last moment. Build a strong foundation of communication and mutual support.
  • Involve the employees - A surefire way to make any employee feel important is by involving him/her in the important decisions of the company. By taking their advice or opinions, you establish a feeling of trust and authority. For example, managers can ask their subordinates for their views on marketing strategies. This is bound to be successful as the employee gets motivated to work harder thinking of your company as his own!
  • Encourage feedback - Employers tend to establish dominance over their staff members. If that is the case in your organization, it needs to be changed! As an employee, you wouldn't want your superior to ignore all the suggestions and feedback you provide, then why should you neglect those of your team? A great way of building strong relationships with your employees is encouraging them to provide feedback after every meeting and respond to any issues or queries they have.
  • Fulfil their individual goals If you wish that your employees work for the betterment of your business, you must think of their personal goals. In many ways, you can add to their individual growth - for example, you can give regular bonuses, you can periodically increase their salaries. This way, they develop a stronger relationship with you as well as your company.
  • Use their talent : Any employee can develop a feeling of boredom or monotony if they work in an area which doesn't utilize their skills or talent. This not only results in dissatisfaction amongst the employees but also leads to a counterproductive routine in the organization. It is best to recognize the specialization of an employee and hire him on a suitable designation as well as assign him to work accordingly. This way, the tasks allocated to him will be done in the best possible manner and reduces the chances of that employee leaving your company.
  • Be open to errors: Humans tend to commit errors. Your employees too might make some of the other mistakes at some point in time. In such situations, it is best to take necessary corrective measures and guide them to not commit such mistakes in the future. Rather than   scolding them or making them feel bad about what happened, you must accept the mistake and be open towards it.

You can also make them aware of beneficial insurance policies and can help them in buying home insurance online if they moved to the city for working in your company. This way you can earn their trust as an employer and can expect the same from them.

BannerImage

A Beginner's Guide to Accident Insurance

With so many options in the market today, it is no longer a difficult task finding the best personal accident insurance policy in India still, before you buy one it's essential to know a few things.

First and foremost, what is accident insurance? It is a type of insurance that provides the insurance holder with compensation, in the event of an accident, death, dismemberment, loss of sight or other senses, medical expenses, etc. It is important to understand that it is not the same as health insurance but is complementary to it. Since choosing accident insurance is a significant decision, here are some points to consider: -

  • What Does the Policy Cover: One of the most important factors to take into consideration when choosing accident insurance is what all does it cover. It must include all the daily activities(mode of commute, work environment, residential locality, cause of calamity such as fire, water, etc.) which could lead to an accident, at home or elsewhere. The more it covers, the better.
  • What are the Benefits of the Policy: Accidents or injuries is a broad category, and it is imperative to know what the benefits are that come with the insurance policy. It would be best if you found out whether it includes permanent/temporary and total/partial disablement, loss of senses (eyesight, hearing, etc.,), accidental death, and others, along with whether there is an ambulance facility and it covers hospital bills. The nature of your daily activities will largely determine the benefits that come under the policy.
  • What are the Benefits to the Family: It is not enough to find out about the benefits that are provided to the insurance holder; you also need to know about the benefits being offered to the family. In case, there is a death, permanent disablement or loss of income, the policy which provides the maximum benefits to the family and promises to cover major costs is the one to buy.
  • Find Out About the Company: Something vital that you need to take into consideration is the insurance company's reputation. Make sure to go with one which has managed to build its standing in the market for years and has a solid background. Since accident insurance has a lot to do with your life and health, you must do all the necessary research and take the time to choose a well-reputed company.
  • The Premium that Needs to be Paid: A very crucial aspect of any insurance is the premium that you need to pay, and it is the same with accident insurance. Premium is the amount that needs to be paid regularly to maintain the insurance's validity. You must select a plan wherein the premium is well within your budget, and there is a balance between the premium being paid and the benefits provided.

When it comes to a matter of life and health, there is no room for complacency. You need to make sure to choose only the best personal accident insurance policy in India if you want expenses to be covered and relief to be provided in the event of an accident or calamity.

BannerImage

Shedding light on Return to Invoice in motor insurance

Most people are familiar with motor insurance, its benefits, and its exclusions. It is an efficient financial instrument that supports us when our insured vehicle encounters an unfortunate incident. Motor insurance comes with many optional coverages that may be useful to you. Did you know about the Return to Invoice or RTI coverage? Choosing this coverage while you buy motor insurance online can be a great help. Let's learn more about RTI coverage, its benefits, and its functionality.

What is "Return to Invoice" in motor insurance?

Return to invoice is an optional coverage for your car insurance. It lets you get money equal to the car's original value, also called the invoice value. This coverage is not required by law, so you can buy motor insurance online and include RTI coverage as an add-on. It is an application you use when your car faces total loss, such as if someone steals it or it gets fully damaged by fire or a natural calamity.

How does it work?
In normal car insurance coverage without an RTI add-on, you can get the maximum claim amount as your car's "insured declared value" (IDV). IDV is always less than the invoice value of the car.
However, with car insurance having RTI coverage, you can get the maximum amount of claim on the invoice value of your car. In simple words, when you have RTI coverage in your car insurance, you can get the road value of your car when it is stolen.

How is it calculated?
You can easily determine the amount of insurance that comes with RTI by looking at the car's total price when you buy it. The return to invoice includes the total car price, such as road tax paid, ex-showroom price, and registration cost.

What is covered in Return to Invoice?
If your car gets stolen or damaged beyond repair, you can raise a claim against the RTI. Let's look at the different circumstances when this coverage can benefit you:

● When you don't have secured parking

● Living in an area where car thefts are common

● Living in an area prone to natural calamities such as floods, landslides, and more

What does not apply in the Return to Invoice?

Sometimes, the RTI cover may not work, and you can't claim the insured amount. Here are some situations when this cover is not applicable, including:

● Damage to your car when someone else is driving

● You can't avail RTI add-on if your car is older than 3 years from the buying time

● You can't avail of the RTI cover for minor dents and grazing on the car body

● You must submit a copy of the FIR to process the return-to-invoice claim

Benefits of Return to Invoice in motor insurance.

Some benefits of RTI in car insurance include:

● It increases the scope of your car insurance coverage

● It is beneficial when you live in an area where car thefts are common

● It is available for new cars. Hence, you can give your new car more care with this cover

● It is available with a comprehensive car insurance policy

Once you understand everything about the Return to Invoice, consider adding this optional cover. RTI can help you when your car is damaged beyond repair. If you live or park your car in a place where theft, natural calamity, or fire is common, you should add RTI to your policy when you buy motor insurance online.

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.

BannerImage

Understanding how a cashless garage facility can be helpful

A cashless garage facility is one in which an insurance company has a tie-up with a garage. Whenever you meet with an accident or file an insurance claim for repairs, you will not have to settle the bill in cash at these garages. The insurance company will directly pay the bill. However, you have to bear some nominal charges for processing the claim. Also, some compulsory deductibles exist as per the insurance policy’s terms and conditions.

Not all garages will have a tie-up with your respective insurance company. The list of network garages is easily available with your insurance company. You need to verify it with your insurance provider and search for the nearest garage that will provide you with a cashless facility. Let us see how a cashless garage facility can be helpful to us.

1. Hassle-free claim settlement:
Insurance companies are directly connected to the network garages. Hence, you do not need to visit multiple garages to complete the repair work. You can directly go to the network garage after informing the insurance company, provide the required documents, and that’s it! The garage will take it over, and the insurance company will settle the bill. The entire claim settlement process becomes hassle-free.

2. Prompt service:
As mentioned above, not all garages are covered in the cashless network list of the insurance company. Hence, listed garages provide prompt and good quality repairs and renewal services to maintain harmonious relations with the insurance company. This can be helpful to you, and you’ll get quick service and timely delivery of your vehicle.

3. No cash payout:
This is one of the most important benefits of a cashless garage facility. In the non-listed garage, you have to settle the entire bill in cash at the time of delivery of the car. Accidents do not come informed. Hence, such sudden bills can put you under a financial burden. The repair costs of modern-day cars are hefty and can cost several thousands of rupees in one go.
A cashless garage facility will release this financial burden from you, and you’ll not have to pay any repair costs from your pocket. Minor documentation and deductibles charges can be easily met. This facility makes the claim settlement process swift, and you do not have to worry about footing the repair bill.

4. Transparent billing and quality service:
The insurance company and its surveyors are in constant touch with the network garage. They provide a big chunk of work to the garage regularly. Hence, the network garages abstain from committing any fraud, using sub-standard components and parts, or engaging in over-billing while repairing cars. Hence, we are assured of fair and transparent billing and top-notch service.

A cashless garage facility is a blessing for all vehicle owners. It makes the claim settlement process convenient, hassle-free, and fast. Also, it relieves us from paying sudden and heavy repairs and renewal charges when our car meets with an accident. We get quality work at reasonable prices.

But first, you need to have a valid and functional motor insurance policy for your vehicle to enjoy a cashless garage facility for it. Always renew your insurance policy on time and never let it expire because accidents do not announce before occurring. Opt for online motor insurance renewal, which makes the renewal process effortless. You can do it from the comfort of your office or home, at any time of day or night. Also, you are saved from the hassle of meeting with the insurance agent or going to the insurance office for renewal. Go the modern way; choose online motor insurance renewal.

Click HERE for hassle-free online motor insurance renewal.

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

BannerImage

Did you know about the knock-for-knock agreement in motor insurance

In India, awareness about motor insurance has grown significantly in the last few years. The number of insurance policyholders is slowly but steadily increasing. The increasing means of living and demand for luxury goods to improve convenience are anticipated to keep driving the market for motor insurance. Comprehensive motor insurance consisting of own damages and third-party covers is expected to grow more in the coming future.

Third-party liability insurance is mandatory to protect the driver against legal and accidental liability, financial loss or property damage, and medical expenses he may face after an accident. Despite its advantages, settling claims is a lengthy and costly procedure. The knock-for-knock agreement is a recently introduced aspect of motor insurance to simplify the process and increase the policyholder base and satisfaction.

This blog discusses all you need to know about the knock-for-knock agreement.

The issue before the knock-for-knock agreement:

When an accident happens, the persons involved can contact their insurance companies to compensate the other party for damages. However, this is a lengthy procedure that may sometimes take months to settle with unfavourable conditions. It is also still being determined whether or not the insurer will accept the claim.

In the background of such uncertainties, the affected party has no choice but to file a suit in court, which takes additional time and cost. The knock-for-knock agreement aims to eliminate this waiting period by providing an alternate solution to settle the claim among the parties without the court's involvement.

An alternative approach using a knock-for-knock agreement:

The knock-for-knock agreement is signed by two or more motor insurance companies insuring two or more parties involved in a motor accident. Since these companies are aware of the tedious claim settlement process, they use this alternative agreement and promise to bear the expenses for repairs or damages to their client instead of claiming the amount from the other party. Introduced in 2001 by the General Insurance Council, a motor insurance company doesn't need to sign such an agreement to make the claim process quick.

Advantages of knock-for-knock agreement:

While the concept is simple to understand, here is the summary of the benefits of signing a knock-for-knock agreement:

● Speedy settlement of claims

● Eliminates the need for the involvement of law

● Reduces the expenses required to be borne in case of proving the liability of the third party to derive a settlement from his insurer

Conditions for knock-for-knock agreement:

Three primary conditions are applicable for claims that are admissible under a knock-for-knock agreement.

1. Accidents must occur within geographical boundaries:
The insurance company decides such boundaries before the lodging of the claim. Generally, the limit is considered to be the defined geographical boundaries of India. It is implied that any accident outside the border cannot be admitted as a claim under a knock-for-knock agreement.

2. The claim must be filed as own damages:
Under the agreement, each motor insurance company agrees to compensate its client instead of demanding compensation from the other party. This claim can no longer be filed as third-party damages and is processed as "own damage". Therefore, you must purchase your "own damages" cover, without which you cannot complete this procedure.

3. Limit on the claim amount:
The admissible claim cannot exceed the insured declared value (IDV) previously mentioned in the policy.

The knock-for-knock agreement is a lesser-known aspect of motor insurance that makes claim settlements speedy and inexpensive. It saves the resources of a motor insurance company that agrees to such a contract. Explore this aspect to know more about its seamless benefits before buying motor insurance in India.

Click HERE to buy reliable motor 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.

BannerImage

Know more about the anti-locking braking system in detail

A critical safety element that is now standard in all modern vehicles is the anti-lock braking system, or ABS. The ABS is frequently marketed as an efficient breaking mechanism that significantly reduces accident risk by facilitating a good grip over the vehicle. We go over everything you need to know about ABS, including its advantages, how it works, and the several kinds you can find in modern vehicles.

What exactly is "anti-lock braking"?

The name of the technology suggests that when you apply the brakes, ABS keeps the wheels from locking. It shortens the distance you need to stop and lets you move or "steer" the car while the brakes are still on. This way, you can avoid collisions from sudden braking and crash into fellow vehicles or objects.

What is the purpose of ABS?

Irrespective of the car's speed, when you press the brake pedal (without ABS), the wheels lock up because the brake pads make tight contact with the wheel discs and stop the wheels from turning.

The car skids because of its momentum when the wheels stop rotating. As a result, the driver has no control over the wheels. Most frequently, this can result in severe accidents.

What are the main components of ABS?

Speed sensors, valves, a pump, and an ECU comprise most ABS parts.

Speed sensors:
These sensors are important to keep track of the wheels' speed.
Valves:
In the brake line, some valves regulate the pressure on the brakes.
Pumps:
When brakes are used, hydraulic fluid-filled pumps pressure the brake callipers or drums.
Electronic Control Unit (ECU):
In response to the signals from the speed sensors, the ECU acts as the command centre of all the processing.

How is ABS used?

When you use the brakes on a car with ABS, the speed sensors track how slowly the wheels turn. Brakes deliver a signal to the electric control unit when they are about to stop rotating. Using valves and pumps, the ECU removes some of the brake pads from the wheels, allowing them to continue spinning. When you apply heavy brakes, ABS enables the wheels to continue turning, giving you control over the car.

Without ABS, when you hit the brakes, the wheels would stop or lock up immediately, causing the car to slide. In this situation, the vehicle would skid and travel a fair distance. It would be challenging to turn your vehicle because the wheels were locked. ABS helps you slow down efficiently, deploy uniform braking, and quickly control your car and avoid it from spinning.

ABS benefits:

● Uneven tyre wear is avoided because the wheels don't lock up when the automobile is stopped.

● The Traction Control System (TCS) and ABS share specific fundamental architectures, which facilitate TCS installation on vehicles in manufacturing facilities.

● You may steer the automobile around obstacles when braking hard, which can reduce brake pad and brake disc wear.

● Minimises the risk of severe accidents due to sudden braking and enhances the car's stability post-braking.

When the brakes are applied hard at high speeds, ABS keeps the wheels from locking up, which makes it much less likely that a deadly accident will happen. The effectiveness of the anti-lock braking system has been demonstrated everywhere. Anti-lock brake systems are now so critical to safety that the Indian government has made them a requirement.

Safety is paramount, and braking is a crucial part of vehicle safety. It's also a good idea to get online motor insurance to upgrade the security of the vehicle and the owner. Motor insurance covers car owners' liabilities and protects them from damage to their cars and any legal obligations they may face. Browse through different options and opt for online motor insurance with the best premium and benefits that suit your needs.

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.

BannerImage

Here are a few effective winter travel tips for enjoying a memorable trip

Who does not love to travel in the winter season? The chilly weather with snow-clad mountains or the cool climate on the beaches and plains can be delightful and welcoming. Taking advantage of the pleasant climate and an ideal season to travel, numerous tourists plan family holidays and group tours to explore the best winter destinations in India. But the idea of winter travel reminds us of the arduous task of carrying thick, heavy, woollen clothing.

Are you planning a family trip or a solo adventure this winter? Here are a few effective winter travel tips for enjoying a memorable trip.

1. Plan in advance:
Winter travel in December and January coincides with Christmas and New Year vacations in schools and holidays in offices. Hence, there is usually a lot of crowd at popular vacation spots and heavy bookings on flights, trains, and hotels.
Hence, you should always plan your winter trip well in advance. Book your travel tickets and accommodations as early as possible so that you don’t have to cancel your trip at the last moment due to the unavailability of travel tickets or rooms in good hotels.
Even if you can get flight tickets and good accommodation at the last moment, you will have to pay exorbitant rates. So why not plan in advance, save money and make your trip memorable?

2. Check your flight and train departure:
Always check the timings of your flight or train departure in the winter season before leaving home. They are usually delayed and are sometimes even cancelled due to heavy fog and low visibility. Keep an alternate route or service in mind in case of any cancellations. This will ensure that your travel plan gets successful.

3. Travel light:
You will wonder how we can travel light with bulky woollen clothes, especially if we are visiting some cold place or a hill station. It is possible by following some simple tips. Wear your most bulky jacket, sweater, shrug, or scarf on the day you have to travel. This will mean you will not have to pack them inside your bags. Also, wear your heavy boots and pack your lighter shoes or slip-on in your bag.
Do not pack multiple t-shirts, tops, or jeans with you. Repeat them. What you wear on the top is only visible in winter. Keep changing your jacket, shrug, or coat, and no one will know you are repeating your dresses! Also, buy woollen clothes of superior quality so that you don’t need multiple layers of clothing to keep you warm. Carry thermal innerwear of good quality as they are light and warm.

4. Rent travel gear:
You don’t need to carry your travel gear everywhere you travel in winter. For example, if you want to ski in the snow, you can rent all the essential gear, including snow boots and overcoats, from the resort you are staying in.

5. Medication:
The cold season brings many ailments, such as flu or fever, nasal congestion, cough, etc. Always carry appropriate medication, especially when travelling with kids and the elderly. Also, use small cases for carrying your cold cream and moisturiser so they only take up a little space.

Make your winter trip special and memorable by following the above travel ideas. Another important tip is to go for your true companion that will never leave your side, i.e., travel insurance. Travel insurance will protect you against trip cancellations, lost baggage, damage to your luggage, etc. You can take an annual plan to cover all your trips or insure only a particular trip.

Insurance will also offer coverage in case of any medical emergency and assistance arising during your trip. Make your life secure and tension-free by choosing a wide variety of general insurance policies. Moreover, buy online general insurance from the ease of your home with a few clicks, additional benefits, and the best premium rates. We wish you a happy winter!

Click HERE to buy online general insurance before planning your winter travel trip.

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

BannerImage

List of ancient temples in India that you must visit once in your lifetime

Out of 195 countries, setting oneself apart from others is difficult. Most countries are either known for their rich resource endowment or their progress and economic significance. Over the years, India has continuously made optimal use of its resources to cultivate its financial position amongst other leading developing and developed countries. However, one thing that makes India genuinely unique is its rich cultural identity.

India is a land of deep-rooted culture and traditions. Ancient temples and practices are proof of the long legacy of the old civilizations that formed the fundamentals of society. There are over two million temples in India, proving the significance of heritage and spiritualism in the country. Of this enormous number, many temples have existed since the rule of the ancient kingdoms and are proof of the vibrant traditions and beliefs of Indians.

The easiest way to experience the diverse culture of the expansive land is by immersing in the historical archives engraved on the temple walls and sculptures. Before you plan your trip to explore these temples, we recommend contacting a general insurance company to purchase a comprehensive cover to compensate for any damages during travel. After checking that off, here is a list of ancient temples you must visit!

1. Mundeshwari Devi Temple:
Located in Bihar, it is said to be one of the oldest temples in the country, open to the public. The Archaeological Survey of India dates the temple back to 108 AD after consideration of its design and architecture. The temple is a shrine for Lord Shiva and Goddess Durga and is popularly known for its distinct octagonal design.

2. Somnath Temple:
Located in Gujarat, the Somnath Temple worships Lord Shiva. It is one among the 12 Jyotirlingas and holds great significance to the devotees of Shiva. The legend behind the temple also involves the Moon God. The temple initially held massive troves of treasures, which Mahmud of Ghazni raided during his attacks. Despite being destroyed, the temple has been restored and provides a peaceful environment to bask in its cultural significance.

3. Sree Padmanabhaswamy temple:
The gold-plated temple in Kerala is dedicated to Lord Padmanabha. Also known as the richest temple in India, the temple is thought to have existed for over 5000 years. The temple's wealth is estimated to be around 1 Lakh Crore Rupees, excluding a closed vault that cannot be opened until the chanting of the Garuda Mantra, an unknown chant.

4. Konark Temple:
The temple, built in the 13th century, is a UNESCO World Heritage site in Orissa. Dedicated to the Sun God, its architecture sets it apart from other temples. It is designed based on geometric ideals, making it truly unique. The main temple had a suspended sun idol built using granite and magnets.

5. Dilwara Temple:
Dilwara Temple is an important Jain pilgrimage in Mount Abu built between the 11th and 13th centuries with intricate engravings. The exterior does not give insight into the grandeur of the exquisite marble carvings inside. The hilly terrain outside makes one appreciate the entire process of building the temple in an age without the convenience of transport vehicles.

6. Amarnath Cave Temple:
Situated in Jammu and Kashmir at a height of 3900 metres, visiting this shrine is an experience like no other. It is a naturally formed cave with a lingam of ice resembling Shiva's idol. Reaching the temple is challenging and requires significant effort and dedication.

While it is recommended to visit such divine places to uncover and understand the traditions and Indian heritage, it is also essential to pay heed to one's safety during the travel. A general insurance company provides excellent travel protection that one must consider before planning a trip.

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

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

BannerImage

Here are the best blue water beaches in India which should be on your wishlist

Who does not enjoy travelling? Being able to visit and explore new places, try local cuisine, click pictures, and enjoy the native culture of a place is the dream of every traveller. Travelling fills the heart and mind with a sense of euphoria. It boosts your happy hormones and uplifts your spirits. Hence, everyone must take at least one vacation every year.

What if you're a beach person looking for your next blue water beach holiday in India? This article is just for you. We recommend 05 top beach holidays where you can enjoy quality time in blue waters and golden sands.

However, no matter where you travel to, you should always have general insurance to back you up. You can check the general insurance online quote in advance and purchase insurance that provides comprehensive coverage for your luggage and ensures a safe trip.

Here's a list of the best blue water beaches in India.

1. Marari Beach, Kerala:
If you're a fan of Kerala, you should visit this beach. Located near Kochi, this beach is close to the Mararikulam village of Kerala. The waters are apparent here. It is also peaceful and full of lush green vegetation around the village. It is also rated among the top five hammock beaches in India. You can spend some quality time here with your loved ones.

2. Butterfly Beach, Goa:
Present in South Goa, you can reach this beach easily by taking a ferry ride from Agonda beach. It is one of Goa's hidden gems, unexplored by most travellers. Not many people are aware of the magnificence of this beach. It is picturesque and beautiful in every possible way. It is a haven for nature lovers. Many butterflies hover over the beach, making it all the more enticing.

3. Radhanagar Beach, Andaman and Nicobar Islands:
It is one of the most picturesque beaches on Andaman and Nicobar’s Havelock Island. It has clear blue waters and white sands to its credit. A line of coconut trees surrounds the coastline, making it all the more aesthetic. The sunsets here are a sight to behold. You also have the chance to participate in various water sports when you are here at the beach.

4. Varkala Beach, Kerala:
Also known as Papanasam Beach, Varkala beach is one of the most breathtaking beaches in Kerala. You will catch a stunning view of the Arabian Sea from the cliffs present at the beach. You can either sunbathe on the golden sands or stroll by the coast. This beach is serene yet beautiful. You can also go swimming in the waters and rejuvenate yourself.

5. Bangaram Beach, Lakshadweep:
With its jaw-dropping blue waters and white sands, this beach is a cheerful retreat to enjoy with close ones. It is secluded from the hustle and bustle of city life. The beach has brown rocks on all sides. It makes the beach all the more attractive. The beach also has unique bioluminescence at night. The blue waters glow and look starry.

Make these top beaches a part of your travel bucket list and plan a dreamy holiday to savour these destinations' mystic charm. Regardless of the places you want to travel to, always have general insurance to keep your travel covered. An ideal insurance policy will cover your expenses if you incur any damages while travelling or if your luggage is damaged or stolen. You should also check the general insurance online quote before you apply for any policy. Research the best options and invest in a plan that best suits your needs. Better be safe than sorry!

Click HERE to get a general insurance online quote.

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.

BannerImage

Enlisting the simple yet effective soundproofing solution for your room

We all want to live and work in a peaceful environment that motivates us to always give our best. Silence boosts productivity and makes the surroundings blissful. Silence is required for various activities throughout the day. Whether studying, working, or even sleeping, loud noise can disrupt your peace and well-being. High levels of sound have many ill effects on an individual's physical and mental health.

Significant decibels of sound not only lead to noise pollution but also contribute to an unbalanced lifestyle. It can increase blood pressure and heartbeat. It is also highly harmful to kids and older adults. Increased exposure to noise can damage the eardrums in the long run. It also increases anxiety, frustration, and irritation and can even trigger migraines and anxiety attacks.

The simple way to tackle this problem lies in soundproofing. It is a great boon to humanity and helps in preventing unnecessary sounds. Everything can be blocked by using soundproofing at home, from construction noises to vehicle horns.

Before making any changes to your house, purchasing the best house insurance India is recommended to safeguard your home in emergencies.

Without further ado, let's have a look at the best tips and tricks for soundproofing quickly at home.

1. Make use of soft materials or fabrics:
It is a known fact that sound travels via waves. This means that hard materials like metals amplify the sound. The more iron, tin, or copper you have around, the more complex sound will travel through them. On the other hand, soft materials like linens, cotton, and silk absorb sounds. The more soft fabric you have in a room, the better. Your curtains, carpets, blankets, and rugs can contribute a great deal to absorbing sound. You can also invest in soundproof curtains.

2. Use acoustic frames:
It is one of the latest things available for absorbing sounds. They are wooden frames with foam intact in them. They are highly efficient in absorbing sounds. They can be hung on the walls for soundproofing. This also prevents the noise of adjacent rooms from entering the desired room. It is excellent for people who live in apartments or condos. Acoustic frames are available in various shapes and sizes as well.

3. Consider adding layers:
If your building is still in development or if you have access to renovations, consider adding a layer of drywall. This wall will separate your room from the outside world. It will also cut off all external noises and prevent them from reaching your room. The stronger the wall, the better. It is advisable to get it done with the help of professionals while building a new room.

4. Notice the doors:
The doors play an integral role in determining the amount of sound that enters the room. For starters, keep it closed at all times. You can consider adding weather stripping around the door knob or handle. This will prevent any unnecessary noise from entering or leaving the room. You can also make use of a soundproof blanket. It can be put at the back of your door and removed when not needed.

5. Pay attention to the floors:
Floors can also help in soundproofing. You can put carpets on the floor to absorb the noise from outside. If you want a more effective solution, you should use foam flooring. It can be easily added over the flooring present and does not require much effort for installation.

These are some great ways to prevent noise from entering your house. Implement these and reward yourself with a peaceful and soundproof environment. In addition, protect your home with the best house insurance India, as it helps you deal with financial expenses in case of mishaps.

Click HERE to buy the best house 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.

BannerImage

These tips will save you from stressing on your daily long-distance commute

As the pandemic's effects subside and we return to offices, the stress associated with commuting has returned. Every weekday, most office workers face a huge challenge in the morning of whether travelling upwards of an hour one-way is worth their compensation.

Whether you choose private or public modes of transport, here are some tips and tricks to relieve stress from your daily commute.

1. Prepare the night before and leave earlier:
Hectic mornings increase stress levels during the commute, which results in irritation and reduced productivity. Worrying about being late every day can be very stress-inducing. To combat this, start preparing for your day ahead at night. Keep your work clothes and meals ready, and finish all your work. This will lead to a less stressful morning, resulting in you leaving 10 minutes earlier and not worrying about delays in reaching.

2. Try to commute actively:
Commuting via personal transport, such as a car or bike, can cause health issues. The best way to go about this is to walk or cycle as part of your commute if your work location is not far. This is known as an active commute, and it will drastically change the way you travel. Exercising on your way to work releases endorphins and improves mental and physical health. If walking or biking is not possible, try to take public transport. It increases your activity and reduces stress levels significantly.

3. Detach from the digital world:
In the age of social media, it is increasingly challenging to focus on oneself rather than what people on the internet are doing. It is essential to go off the grid for your mental health.
Your daily commute could be your time to read a new book, watch the view outside, or focus on yourself with meditation. Meditation has been a proven method of giving the brain the rest it deserves, and whether it be guided meditation or simply focusing inward, it will surely benefit you.

4. Try getting flexible hours:
It makes absolutely no sense sometimes that everyone has the same office hours. This causes the "rush hour," which is impossible to tolerate five days a week. If this is an option, ask your office for flexible hours, so you can come in before the rush hour and leave earlier too.
If this is not an option in your company, find some activities around your workplace before leaving for the day, like working out or reading a book in a nearby park. This way, you'll be able to avoid rush hour.

5. Try to buddy up for a long commute:
If you find driving incredibly dull and tedious, one way to improve it is to find neighbours who go to the same area for work and carpool with them. This way, the pressure of driving does not fall on you every single day, and you can chat with people along the journey. Ensure that you purchase new motor insurance or avail of online motor insurance renewal facilities to protect yourself and your car against the financial burden of accidents.

6. Stretch it out:
Keep stretching those aching muscles! Even when you're the one driving, always keep adjusting your neck and back, so they don't cramp up and give you further pain.

In conclusion, since long-distance commutes are an inescapable necessity in the urban lifestyle, effective management techniques are becoming essential to prevent strain on your mood and physical well-being. We recommend alternative commute methods to private transport for the best impact on your health. However, in case of no option but to travel by vehicle, ensure that you protect yourself against accidents. Check for your insurance status and get online motor insurance renewal before the due date.

Click HERE to know more about online motor insurance renewal.

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

BannerImage

These tips can change the outcome of your DIY house painting project

Buying a house can be an expensive but gratifying event. It is an extensive process involving multiple options and intense decision-making to create your dream house. After spending massive amounts of money, effort, and resources on your home, investing in house insurance India is prudent to protect your home, belongings, and more from uncertainties.

After spending massive amounts on purchasing your home, consider these DIY for your home's interiors to save on additional expenses. Equipped with the right tools, creativity, and zeal, you can take on any home DIY project! A painting project is the ideal task to test your skills and is manageable. Before you start painting, here are some tips to enhance the outcome of your DIY house painting project.

1. Purchase premium paint:
Make sure to pay attention to the quality of the paint. Every room in your house deserves a different type of paint, so keep that in mind. Choose paints with minimal volatile organic compounds and odour to keep your family safe. For your favourite walls in your house, choose a standout colour to create an accent wall.

2. Remove the hardware:
Remove light fittings, doorknobs, electrical cover plates, window locks, and window lifts. Store the components in a bucket. Tape the screws to each piece of hardware, and identify each one with its location to simplify future reinstallations.

3. Identify the type of paint on existing walls:
Test a patch to determine what colour was used there. Apply alcohol-soaked cotton to a small section of the wall. The paint is latex if there is paint residue on the cotton ball. If not, the colour is oil-based.

4. Inspect and prepare the area:
Before applying new primer and paint, check for any cracked or peeling areas. These need to be carefully sanded or scraped, as the weight of the new layer will loosen the old paint. A small amount of soap and water, followed by a rinse with clean water, may be required for greasy stains, followed by a wipe-down.

5. Paint from top to bottom:
Use your brush to start with the edges of the ceiling. Then use the roller to apply an even paint coating from top to bottom. Once you're done with a patch of the wall, leave it to dry. Continue the same process for the remaining patch of the wall. You might notice colour marks and streaks on the already-done patch. Now, get ready for the second round of coating. Ensure that your application motion is the same as the first round of coating to get a bright and evenly looking finish.

6. Fill in fractures, voids, and holes:
Examine the walls and trim carefully for flaws. Fix any holes, dents, and dings with wood filler, caulk gun, or ready-mix spackle, depending on the situation.

7. Safeguard everything you don't want to be painted:
Protect your flooring, furniture, and hardware before starting a painting project. Drop clothes are essential. Protecting door knobs with small plastic sandwich bags is a simple solution.

8. Use a paint grid:
A paint grid is an attachment to the bucket's rim. It facilitates the removal of extra paint and uniformly distributes it across the roller cover for consistent paint application.

9. Apply primer:
Paint and primer combinations work well if the surface is clean and smooth. However, use a different primer if it has been over eight years since the last paint job or if the wall has dents and scratches. Use a bonding primer to cover a hard surface, such as glass or high-gloss paint.

Interior painting projects require time, effort, and skill. While you can take on this task by yourself, the same does not apply to protecting your home. Consider purchasing house insurance India to protect your home against irreparable damage and prevent the depletion of your finances.

Click HERE to buy the best house 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.

BannerImage

Collisions: Types and how to avoid them

Accidents, unfortunately, happen far too frequently. They cause vehicle owners to pay for auto repairs, treating injuries, and increased insurance premiums when accidents occur. A small error might lead your car to be totaled in an instant. Purchasing a policy from a reliable motor insurance company in India secures you and your vehicle from various hazards and damages that could cause financial losses.

We repeatedly observe the same trends that lead to collision incidents. To decode this most common issue, we're presenting the most typical crash types and accident-prevention advice to make the roads safer.

1. Front-impact collisions:
When the front of your vehicle collides with another car or object, it is called a front-impact accident, accounting for 54% of all auto accidents. It can result from wrong-lane driving or a poor indication by the approaching vehicle from the front, especially while making turns.

How to avoid them:
Modify your driving according to the circumstances, such as slick roads or other weather-related issues. Give yourself more time to react and take control by driving more slowly in the rain and using indicators while taking turns. Keep your focus on the road and avoid any distractions.

2. Rear-end collisions:
Heavy commuter traffic on roads and thoroughfares, over-speeding, aggressive driving, and leaving insufficient room for the car in front of you are the common causes of rear-end collisions.

How to avoid them:
Driver distraction accounts for 89% of rear-end collisions. Avoid being distracted by putting the phone down, even in driving mode, and adjusting your audio. Additionally, stay aware of your surroundings and avoid tailgating by not maintaining a safe distance from the vehicle in front.

3. Parked-car collisions:
In crowded parking lots, bumper dents are all too typical. They occur when several vehicles travel in various directions or while reversing out of a parking space.

How to avoid them:
Parking lots can make viewing your surroundings challenging, especially when reversing. Before leaving a parking space, survey the area and use your rear-view mirror effectively. Park a bit further away from other vehicles.

4. Side-impact collisions:
Side impacts between cars travelling in different lanes parallel to one another are the norm in cases of sideswipes. This kind of accident accounts for 27% of fatal passenger crashes.

How to avoid them:
Refrain from speeding to beat the yellow light. Instead, be extra cautious and always check both ways at stop signs and traffic lights. Check your blind spot before changing lanes, and watch for sudden lane changes from other motorists.

5. Hydroplaning collisions:
Since the tyres can't touch the pavement when you hydroplane, you have little control over the direction of the automobile, which almost definitely results in a collision. More than 10% of car fatalities yearly are related to wet roadways.

How to avoid them:
Stop accelerating, and don't stamp your foot on the brakes if your car does hydroplane. Instead, keep the pressure constant and let the automobile slow down. Make sure the tread on your tyres isn't too worn out. When driving through significant road puddles, proceed slowly.

Although there are many steps you may take to lessen the risk of accidents, theft, injuries, or damage to your car, it's not always possible to avoid the unexpected. In road accidents, collisions are a significant factor in injury and fatalities. We recommend purchasing a comprehensive auto insurance policy from a trusted motor insurance company in India. This will protect you and your vehicle against various damages and provide monetary compensation for expenses resulting from theft, fire, natural disasters, third-party liabilities, accidents, and other tragedies.

Click HERE to learn more about the policies offered by the best motor insurance company in India.

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

BannerImage

A clutter-free home is not a distant dream with our simplified guide

After purchasing your home, maintaining and protecting it becomes the highest-ranked priority. Keeping a clutter-free home helps you bring positivity and a better sense of well-being. While buying the best home insurance policy in India can help shift the burden of contingencies like burglary, vandalism, etc., how do we safeguard our homes from habits like hoarding and stockpiling?

If you find it challenging to keep your home clutter-free, here is a short guide to maintaining and optimising your space.

1. Identify clutter:
Our physical, mental, and emotional lives can become cluttered with irrelevant items. But what appears to be clutter may be an extraordinary item for you. Physical clutter usually occurs when we have too much stuff and no orderly mechanisms to store them. Owning less stuff makes your home clutter-free and more accessible. Having less material also positively affects our time, lives, and energy.

2. Get rid of the extra:
Eliminating the surplus items that consume our lives, time, and energy is the first step in keeping your home clutter-free. Clutter can be described as having too much stuff in a limited space, resulting in a disorganised home. Slowly navigate from room to room while using this filter to weed out items that are not required.

3. Avoid acquiring too many possessions:
Clutter can be efficiently managed by effective space management. You need to understand that the goods cost more than what is listed as their final retail price. We must alter our perspective and assess our purchases differently to stop the accumulation of goods in our houses. Start by asking yourself these questions before making a purchase –
● When I get it home, will there be a place to store it?
● Exactly why am I purchasing it?
● What value does it bring to our home and well-being?

4. Establish routines to manage your clutter:
Finding and creating routines to effectively manage your belongings will be the easiest way to remove the surplus. After removing the excess, it will be easier to identify the practices that keep your living environment clutter-free. Also, you'll find it simpler to adopt these habits once you've experienced the independence and stress-free lifestyle that comes with living clutter-free.
Clutter draws more clutter, and it needs to be eliminated. Create healthy habits for your family to control how your home's possessions are used regularly. They will be simpler to apply once you've identified them.

5. Plan decluttering maintenance times:
The most crucial step is to make a timetable and follow it. You can do this daily, weekly, monthly, quarterly, or seasonal. Remember, you need to declutter and organise regularly.
You'll feel better about your clutter-free home if you're disciplined about following through with your maintenance program. The more time passes between your regular sessions, the more you'll notice that your house could be cleaner and more orderly.

Building habits around clearing up excess clutter should be prioritised in your daily routine. The critical components to living in a clutter-free environment are recognising and knowing what to do with it and having the discipline to carry it through.

The beautiful thing about decluttering your house is that your efforts will have a long-lasting good impact on your sense of self-worth and how you regard your living space. While this will help protect the area inside your home and make better choices as per your tastes, buying the best home insurance policy in India provides the safety of external protection for your house.

Click HERE to buy the best home 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.

BannerImage

Here are some tips to improve your home’s appeal in minutes

The first impression your house has on the visitors can be everlasting as they leave. It is a huge deal to keep your home tidy, chic, and beautiful. It can make you garner a lot of accolades from your fellow friends and family members.

However, the whole process can be tedious as the remodelling or redesigning can take time and effort. What if we tell you that you can make your house look appealing in a few hours? As shocking as it may sound, we have curated a list of the best ways to spice up your home’s aesthetic appeal. These ways are innovative, easy, and do not require much time or money.

Also, your house has a high perceived value and should be well protected. Hence, you must consider purchasing home insurance to keep your home and belongings safe from contingent events like burglary, vandalism, natural calamities, property destruction, etc.

However, if you are planning to make your home look better and more appealing to the guests or want to refresh the look of your home as per changing trends or your taste, then take a closer look at the following points.

1. Make your lighting better:
Lighting can make a big difference to your home appeal. You must have bright, chic, and charismatic lighting around your house. You can also spice up your bedroom lights by adding a touch of fairy lights or mood lighting. An addition of golden-hued lights to the dining area and living room adds to the ambiance.

2. Conceal the garbage bags and dustbins:
Nobody likes to see trash lying around in their homes. It can create a terrible impression on your visitors. When guests come over, you must thoroughly scan your house and conceal your garbage bags. Put them in a place that is not easily visible to your guests. A permanent solution could be to switch up your interiors to create a covered dustbin storage section.

3. Trim your lawn:
If you have a lawn, you must trim the grass before guests visit. You can also discard the weeds and pull them out from the yard. Additionally, spray fertiliser all over the lawns. A gentle trim can make a lot of difference to your home’s appeal in minutes.

4. Create symmetry:
Who does not like symmetry? You must follow a symmetrical pattern while displaying accessories, decorative pieces, and even lights. From your door frame to the lights on the lawn, make sure everything is balanced. It can thoroughly elevate the visual appeal of your home by manifolds.

5. Elevate your front door:
The front door is the first thing every visitor sees before entering your house. You can make it look more appealing by adding simple door decor to it. You can hang a wreath of pastel colours or any floral designs you like. Do not overdo it. Keep it simple yet elegant.

These simple yet effective tips can spruce up your house's visual appeal in minutes. You do not need much money, effort, or even skills to complete it. These quick, effortless tasks bring about a significant change around your home. You will surely get a lot of appreciation from your fellow visitors.

While considering the options for revamping your home’s aesthetic appeal, we also urge you to consider purchasing home insurance to rely upon if things go wrong.

Click HERE to buy the best home 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.

BannerImage

Worried about driving alongside heavy vehicles? Here’s all you need to know

Driving is a tricky activity that requires extreme responsibility. One minor mistake can land you in serious trouble. It is always advisable to take extra precautions while driving. Be it a two-wheeler or four-wheeler, one should be cautious while driving, such as following all the traffic rules and being mindful of your surroundings.

Driving along heavy vehicles can be challenging, as they are different from other vehicles. They are so heavy that the controls are not always in the driver's arena. It can become dysfunctional and cause havoc on the road. Therefore, driving carefully around heavy vehicles is always recommended to avoid collisions.

Drivers of light vehicles must always be on high alert when around heavy vehicles. While collisions between vehicles of any size are disastrous and result in significant physical, mental, and financial damages, one between a heavy and light vehicle can be catastrophic.

Purchasing motor insurance from a reliable motor insurance company and following the below-stated tips can help you safely and confidently drive alongside heavy vehicles.

1. Always maintain distance:
Heavy vehicles can be intimidating to drive alongside, even as a beginner or an experienced driver. Crashes are common when other cars are driving too close to them. You need to maintain a safe distance from all heavy vehicles. Additionally, you should always maintain adequate distance from other cars as well. This will give you ample time to apply the brakes in an emergency.

2. Do not overtake:
Trucks or loading vehicles require a lot of space while turning on roads. It also prevents them from looking at the rear end of the truck. Your car can hence fall upon the blind spot. To prevent this, you should always give the heavy vehicle enough time to turn completely. Refrain from overtaking these vehicles or turning quickly in front of them. Slow down and wait for them to pass.

3. Have a firm grip on the steering wheel:
You must maintain your grip on the steering wheel. Air turbulence is created whenever a heavy vehicle is driving in front, which can be a problem for your car. Large vehicles can also throw loose gravel, dust, or snow that can hinder your vision. You need to be mindful and aware while driving behind them. Ensure that your windshield wipers are functioning properly to maintain proper visibility. Use horn, passing light, and indicators appropriately to ask for a side.

4. Be mindful of the lanes:
It is always recommended to follow the lane rule or discipline diligently while you drive on the road. This also means that you should not shift lanes hastily. It can lead to accidents sooner than later. It is because trucks take time to move and slow down. They may not see your vehicle approaching if you instinctively shift your lanes. As they will have no time to react, this can be dangerous for both vehicles.

5. Night time rules:
The night time is already tricky for driving, but heavy traffic makes it more challenging. With heavy vehicles in sight, the situation can get worse. Night time observes heavy truck traffic, making it daunting for cars and bikes to navigate. It is recommended not to use high-beam headlights at night. It can blind the vision of the truck drivers resulting in an accident.

You must follow these guidelines carefully while driving alongside a heavy vehicle. Although challenging, staying safe and sound while driving around them is possible. While a comprehensive car insurance policy from a motor insurance company protects you from the costs of an accident, it is better to be safe than sorry. Always follow safe driving practices irrespective of the time and ensure that your car insurance is active.

Click HERE to buy the best insurance from a reliable motor insurance company.

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

BannerImage

The best ways to clean the difficult corners or sections of your house

Your house might look clean, but is it completely dust-free? If you look closely in those corners, you will realise how much dirt has piled up. The filth in the tricky corners of your house is hard to clean and might eventually result in health issues due to the lack of hygiene.

Dust allergies are the most common problems faced in such situations. It becomes difficult for an allergy-prone person to live a normal lifestyle amidst unclean living premises. If you ignore cleaning dirty sections of your home, then it creates clutter. This impacts mental and physical health, affecting your behaviour, work, etc.

Having discussed some downsides of dust accumulation in the nook and corners of your house, it is essential to understand the solutions to the already identified problem. This blog will discuss the best ways to clean the problematic corners or sections of your house, so it remains clean and hygienic.

1. Be watchful about those spiderwebs:

Spider webs can be the bane of cleaning. They are challenging to remove and grow even in the narrowest corners of the house. The sticky spider webs also impact the appliances like fans that are often not cleaned.
You can use a dusting cloth with an extendable arm or handle to reach high and deep corners of your house. The cloth fibre will collect and clean the dust instead of scattering it around.

2. High cupboards and cabinets:

Cleaning the upper surface of high drawers, cupboards and cabinets is tough to perform. You will need a ladder and equipment which can pivot. This would help you reach far away corners and edges of the surfaces of various furniture.
You can use a microfibre or dusting cloth to clean the cupboards and cabinets so that the dust does not get scattered. Cleaning fluid can be formulated by mixing up dishwashing liquid, water, and ammonia commonly used in households. This can give you cleaner and shinier surfaces.

3. Cleaning the sinkholes:

All the remaining leftovers from your plates are usually accumulated in the sinkholes. If the size of the bits is less than the holes, they pass through the pipes. If not, they end up on the surface of the sink. It also results in the unnecessary clogging of the drainage pipes.
If not taken care of, they might release bad odour and even attract insects. You can use rubber gloves to remove the leftovers from the sinkholes and use cold running water to clean. Using baking soda or citrus peels to remove the foul odour is a good home remedy for sink issues.

4. Don't forget the washroom crannies:

Whenever you go to the washroom, take a closer look at the crannies. You will see spots that are difficult to remove. If not cleaned in time, these spots can get stubborn and are impossible to eliminate.
But don't worry. You can start by using a dry brush to scrub off the upper layer of these marks and spots. Use a cleaning liquid or warm water and soft scrub. Later, gently rub the surface to eliminate the layers steadily. And then, use a vacuum cleaner to suck the debris before giving the space a final wash with water and detergent (if needed).

Deep corners are home spaces that are neglected while routine cleaning and later create hygiene problems. Using these methods, you can easily access the difficult corners and ensure that your home is clean to its core!

Apart from deep cleaning, your objective must be to ensure your home's safety. Won't it be wise to discuss options to safeguard your home against large-scale unprecedented circumstances? There can be multiple situations that can be challenging for your house. To protect your safe abode, you must purchase the best home insurance policy in India to get the best coverage at the time of need. Magma HDI's home insurance is your best advantage to have safer homes and good peace of mind.

Click HERE to learn more about the benefits of India's best home 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.

BannerImage

How to deal with unexpected travel expenses and ways to avoid them

Travel is a great way to expand one's horizons. It gives you a different perspective and is necessary to re-energise the mundane lifestyle. It is a great way to rejuvenate yourself after a hectic schedule and become more productive and enthusiastic at work.

However, it's a well-known fact that travel can get expensive. From finding the right flights to booking the right hotel, a lot needs to be done, and the challenging part is the hefty unexpected expenses. So, to save you from falling prey to the hidden cost charged by hotels, airlines or travel agencies, this blog gives you an insight into mindful travel techniques.

1. Baggage fees:

Airlines charge massively for excess baggage. Extra luggage means extra cost. It is impossible to unpack luggage at the last minute. Therefore, always carefully check the size and weight requirements and pack accordingly. Keep a habit of packing light and avoid stuffing your bags with unnecessary things. You may also practice vacuum packing, which helps keep your bags clutter-free.

2. The pesky phone bill:

We live in a digital age where smartphones are crucial to travel for safety and convenience. Be it clicking photos, talking to new people using translation, booking cabs and hotels, everything is done using our phones these days.
If you are planning a long trip to a foreign destination, it is imperative to know that international roaming charges cost a fortune and will drain your funds if not managed mindfully. For an extended travel period, it's better to buy a local sim to save money.

3. Departure Taxes:

One of the most unexpected and annoying expenses is a departure tax. Some countries charge you money for simply exiting their country. This also applies to the layover at these places. Browse the internet thoroughly so you don't get blindsided.

4. Transportation:

Transportation has been made very easy in many regions worldwide, which might be why new travellers often overlook this expense. But getting out of the airport and taking a cab to the hotel might cost you a significant amount of money.
To avoid this situation, thoroughly research the modes of transport available in the place you're visiting. Choose public transport if that is an option. Better yet, find a hotel with transportation included in their services.

5. Emergencies and medical expenses:

When travelling to a new place, especially if you're visiting another country, it's important to remember that the food, drink, and lifestyle of their habitants might not suit everyone. There is a chance of falling sick, and one must be prepared for all emergencies. Prepare a first aid kit and a stash of the common medicines for general problems like headaches and stomach aches.
Falling sick in another country costs a fortune, especially because foreigners are not included in the national healthcare system. While this cost is unavoidable, checking insurance policies online that fit your needs will help reduce your spending.

6. Trip cancellation:

Cancelling a trip is something no traveller wants to experience. You'll lose a significant amount of money on something you didn't even get to enjoy. An excellent way to avoid these expenses is to research the best and buy insurance policy online. These policies may reimburse you for the flights and sometimes even the hotels you're staying at.

Always keep some extra funds with you to buy small souvenirs and make the trip more memorable. Although we wish for the best in every situation, it's wise to be prepared for less than ideal situations. Buy insurance policy online to rest assured during the trip. With these effective tips, you can cut costs without compromising on the fun part of your trip. Happy travelling!

Click HERE to buy insurance policy online.

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

BannerImage

Best tips to travel like a vegan

Veganism is a new trend that has drawn the significant attention of Indians. But, what is veganism? The dictionary defines veganism as the practice of eating only plant-based food. For example, plant-based alternatives to your regular cow’s milk are almond milk, oat milk, soy milk, etc. Consumerism has given veganism a new branding, which means an abundance of mock meat, vegan cheese, vegan butter, tofu, etc., in the western and European markets. The list is endless.

An average Indian’s meal plan is predominantly vegetarian, consequently vegan. Hence, more often than not, people eat what is readily available. However, if you intend to travel as a vegan, you might lack options to meet your daily dietary needs.

In this article, we will look at everything you can do to ensure that you enjoy your vacation without compromising your food preferences.

1. Fruit and vegetables:

While travelling, take a tour of the local stores and buy seasonal fruits and vegetables. Vegetables such as cucumbers, tomatoes, onions, beetroots, etc., are great ingredients for salads and sandwiches. You can prepare either of the options in your hotel and carry it with you for later use. Chop and store them in a tiffin inside the mini-fridge provided by the hotel. This will ensure that you always have a backup in case you can't find anything outside.

2. Carry vegan snack options:

Make a run to the nearest convenience store and pick up vegan options that suit your taste. Cup noodles, bread, protein bars, nuts, etc., are convenient and readily available vegan options that you can bank on. You can rest assured that you have ready-to-make food options available during emergencies.

3. Explore vegan restaurants and eateries:

Travelling is all about exploring and trying new things. Include restaurants and dishes that you never tried before in your itinerary. Talk to locals to understand the vegan culture in the places you visit.
This is an intelligent way of knowing all the good vegan places to visit. Veganism is a trend that has been growing for the last few years, which is why many restaurants have a good selection of unique vegan dishes.

4. Talk to your hotel:

Before booking your accommodation, you can talk to the hotel and notify them of your needs. If your hotel provides concierge services, they will know the best places to visit and try local dishes and vegan food. Most hotels also offer vegan food options.
However, if your hotel does not have vegan options, you can consider looking for other hotels. Look out for private villas or homestays. These are equipped with all necessary items such as a gas stove, fridge, and oven, making it easier for you to cook meals yourself.

5. Talk to the chef:

Most people still find it difficult to gauge the difference between vegans and vegetarians. This is why it becomes challenging to keep track of the food and ingredients that go into a meal. Tourists prefer to say that they are allergic to certain ingredients. Talking to the chef is the best way to ensure that these ingredients are not added to your dish. The world is still new to the idea of vegan butter and vegan cheese, so providing adequate information to the chef is essential.

These are a few ways to ensure a stress-free trip with your vegan choices. An important tip is to learn a few phrases in the local language to let somebody know of your allergies and food preferences.

Your food choices should be a matter of joy in your life. Do not forget to experiment with new cuisines and dishes for a wholesome travel experience. Travelling vegan might still be easy, but travelling without proper safety is challenging. As a responsible traveller, do not forget to buy general insurance online to ensure your safety during travel. General insurance acts as a safety net for you and your loved ones for any unprecedented expenses you might face.

Click HERE to buy general 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.

BannerImage

Decorating your baby's room? Here are the themes you can work with

"To-be" parents enjoy investing time and money to transform their child's room into a small world where their baby feels comfortable. They carefully plan and curate their thoughts about the room, including toys, fancy paints, and furniture for the newborns.

These elements just don't make the room attractive but develop an interest in the child. As babies have excellent observation skills, decorating their room with colours and playful stuff will help them enjoy new experiences.

Parents get tensed while selecting the theme and the other decorative articles. There are various options available in the market, which make the to-be-parents more confused. We are here with a few fantastic themes you can choose from. You can browse through the blog and think of ideas with fresh perspectives. Add a personal touch and get ready to welcome your newborn into the world!

1. Space-time exploration:

You can decorate your baby's room with various maps, flags of different countries, ships, rockets, space shuttles, planets, stars, the sun, the moon, and other images that will bring curiosity. You can also use glow-in-the-dark stickers of the stars and the planets to cap off the night sky.

2. Let's go to the zoo:

A zoo decor would be a great idea to give the room a natural and jungle look. You can create grasses and graphics of different animals and birds to excite your baby. Use colours that pop off to stimulate your child's mind and develop their brains from a very young age. You can also put up a small canopy in the room, giving it a "camping in the woods" feel to engage your child’s creativity and interest in learning new experiences.

3. Beneath the ocean:

Paint the whole room blue. You can depict the diverse life forms in the ocean. Put up pictures of cute whales, sharks, fishes, jellyfishes, coral reefs, etc. Make use of glow-in-the-dark jellyfish stickers displaying their original nature and give the room a complete underwater look. You may put up a bedsheet with designs of fishes or buy cushions in the shape of sea animals to bring more marine character to the room.

4. Cartoon characters are fun:

You can draw and paint famous children's cartoon characters and elements from favourite cartoon shows. You can paint them yourself or call an expert to decorate your baby's room. Select different props from the show, and put the soft toy versions in the crib, chair, or floor.

5. Kids love beaches:

Babies love playing in the sun. And beaches are a whole carnival for them. You can use light yellow wallpaper to display the sand and decorate it with stickers, pictures, or other marine items and plushies of seashells, crabs, forts, oysters, etc. This would complete the beach vibes you want to create.

These were a few exciting theme ideas that you can implement while decorating your child's room. Take your time, research thoroughly, and design a room your baby will enjoy. After all, your baby will be spending most of its developing years in that room.

To be a parent brings many responsibilities. Along with the decoration, it would be wise to consider protecting your home. A home is where you make the most of the memories with your children and loved ones.

The damages to home come uninvited, but you must be prepared beforehand to tackle all the mishaps. Damage to property due to theft or natural disasters can drain your pockets. So, invest in home insurance India to put less monetary pressure and assure guaranteed compensation for these damages. Reap the benefits of providing hassle-free protection for your home and make endless memories with your family.

Click HERE to know more about how you can buy home 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.

BannerImage

Wallpapers or Texture paints: Which is the best for your home walls

If you are buying a new house or renovating the existing one, having the perfect and attractive walls should be your focus. The most prominent part of your home is the walls. They capture many memories and provide a lot of scopes to try out new styles and give your home a refreshing touch.

Investing thought, time, and money in decorating the walls will turn your home into a more welcoming space. But how do you finalise the look of your walls? Would they look better with wallpapers, or would texture paints achieve the finish you attempted?

We will try to cover all your wall decor questions. Let's get started!

1. Types of texture paints:

Various forms of texture paints, including emulsions, distempers, etc., are available in the market. They can either be water or oil-based and are used for different purposes. You can use solid colours and texture paints to give your walls a bold look. Apply other techniques to create patterns and textures on your walls to give them a zing.

2. Wallpapers:

Wallpapers come with a variety of patterns and textures. Using the right tools and proper measurements, you can stick them on your walls. They come with a solid adhesive and are easy to paste. You can pick the wallpaper's designs as per your taste and the look you want to achieve for the walls.

Wallpapers and texture paint – how are they similar?

● Both are available with many options and shades

● Both have tailor-made options to match your usage and decor plans

● Both require some pre-preparation time to set things up

● Both help you achieve your decor goals

Wallpapers or texture paints: Which is the best for your home walls?

If you are starting from scratch (a blank wall), both wallpapers and texture paints require a similar time to set things up and get started. But removing any wallpaper or colour is a tedious job. After removing the previous coat, you must prepare the wall before pasting the wallpaper or starting with the primer for the texture paint.

Application of wallpaper takes less time as compared to texture paint. You need to apply at least two coats to achieve the texture and pattern you aim for, while it takes about twenty-four hours for the wallpaper to stick appropriately and achieve the best finish. Texture paints can take up to forty-eight hours or more.

Textured paints are your best bet in bathrooms and kitchens. High moisture does not gel well with adhesives. Hence, applying wallpaper in the bathroom and the kitchen would be a massive waste of resources, and there's a risk that it might come off or get wet and torn. Variations of textured paints can be used outdoors, while wallpapers are more appropriate for enriching the interiors.

You might need help from professionals during the application of wallpapers. Textured paints and wallpapers are both cost-effective, but wallpapers might get a bit expensive if you are looking for a specific design.

Now that we have discussed the significant aspects of the two options, you can make a decision. And while you are at it, consider protecting your home against unforeseen circumstances and tragedies. You would want your home to be safe from unexpected problems that take a massive toll on your finances and happiness.

Fret not! This is avoidable with the provision of purchasing home insurance. You can explore your options and buy the best home insurance in India which suits your needs. Carefully look at all the terms and conditions before finalising the deal. There are multiple home insurance options that can help you have the best premium and provide extended coverage.

Click HERE to know more about the best home 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.

BannerImage

Here are a few ways you can use to make your balcony a cosy space

A cup of tea, a favourite book, and some music in the background while you feel the sprays of monsoon on your face. That’s what dreams are made for your casual & chic home. We all have unique ideas of our happy space and how we want to decorate them according to our tastes. Some of us are truly blessed with good aesthetic sense, while others have to depend heavily on the internet for ideas and inspiration.

After spending hours on various websites and choosing the best options, you create the perfect room for yourself. What about your balconies? This article will discuss some exciting and economical ways to revamp your balcony to make it the perfect cosy space for you to unwind.

1. Plants are the perfect backdrop:

Adding plants is one way to add colour and freshness to your balcony. You can opt for flowering or nonflowering plants depending on your choice. If you are a beginner, go for low-maintenance plants like the snake plant, money plant, spider grass, etc. You can also use different prints and colours on flowering pots to add more character to the balcony.
Artificial turf is a game-changer if you want more greens with minimum effort. Homeowners use these to give their balconies the feel of a miniature carpet garden that adds more comfort and cosiness to the entire space.

2. Sitting arrangements beyond ordinary:

Since your balcony is susceptible to rains and sun, one way to ensure the sitting area is not perishable by using metal chairs and tables. These bring a certain antique charm to your balcony without overbearing on your pocket. You can also add swings to make it more fun and quirkier. Adding rugs, floor pillows, and pouffes can make the space seem instantly cosy, and in the event of rain, you can quickly put them back inside.

3. Add lights for vibrant nights:

Adding tiny yellow lights and lanterns is probably the best way to make your balcony beautiful and warm for the evenings. You can further add scented candles if you have visitors, making it the perfect hangout spot for you and your guests. This way, you may even bring the romance right to your balconies and plan perfect dinner dates with your beloved or instead just indulge in your favourite pass time.

4. Textured wallpapers:

Using textured wallpapers can bring a new life to your balconies. Depending on the plants and other furniture used, you can either select a bright pop of colour or an understated neutral look. Wallpapers are a foolproof way to instantly elevate the interiors and add a certain elegance to the space.

5. Shade and privacy:

Most people do not spend time on their balconies because of a lack of privacy or unfavourable weather conditions. Use an awning or extended coverage to protect your balcony from direct sunlight or rains. Opting for a retractable or a folding roof is a choice that you must consider to change and alter the look of your balcony.

These are a few ways to turn your old balcony into a cosy living space. Remember to not go overboard with the decoration. A cluttered space kills the purpose of building a comfortable space for yourself. Talking to an interior designer or an architect can help you understand how you can modify the area without spending a lot of money.

Add value to your home and memories by investing in home insurance. Home insurance is a safety net for you and your family that will help you in case of any damages or losses. Along with beautification, you need to ensure your happy place's safety from mishaps like theft, fire breakout, etc.

Click HERE to learn more about home insurance plans.

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

BannerImage

Best ways to clean the dashboard of the car along with its internal components

Owning a car promises exciting and thrilling adventures. Whether going on long road trips, making impromptu plans to meet up with your friends, or simply driving around the town while playing music, these are just a few of the benefits of owning a car. Every car owner wants to keep a well-maintained vehicle with glowing interiors and dashboard.

But how can you maintain a shiny car dashboard? The dashboard has nooks and corners that can quickly accumulate dust particles. Many of us eat inside the car, making it susceptible to spills and oil stains.

In this article, we will take a look at a few ways in which you can ensure the cleanliness of your dashboard.

1. Dusting:
One of the easiest yet most efficient ways of cleaning the dashboard is by dusting it regularly. Spare five minutes of your time to wipe down the entire dashboard with a dry cloth before leaving your vehicle. This will help reduce the build-up of dirt and dust and help in easy cleaning every time. You can also use a tiny brush with soft bristles to reach the crevices and folds that are not easily accessible by hand.

2. Vacuum:
Using vacuum cleaners once every month is another good way of ensuring clean dashboards. Vacuum cleaners help pick up tiny dust particles within the vents and buttons. This also increases the efficiency of ducts and helps with faster cooling when you turn on the air conditioner.

3. Cleaning solution:
Using a cleaning solution on the dashboard helps get rid of any greasiness. Spray some cleaning solution onto the surface of the dashboard and clean it thoroughly. Once done, use a damp cloth to wipe down the parts to avoid staining. Follow this up with a dry cloth to get rid of any residue. Remember to do this in small batches to ensure that the solution does not dry and leaves any patches on the surface.

4. Sanitise:
Since the dashboard is the most accessed part of the car, sanitising the drawers, buttons, steering, etc., is a good idea. Even if you are the only person using the vehicle, it is good to sanitise the area to prevent germs and bacteria.

5. Take special care of the infotainment unit:
Everyone inside the car often uses the infotainment unit. Use screen wipes and a microfiber cloth for best results. Microfiber can pull up dirt without causing any harm to the screen. Avoid using chemicals directly as you will constantly be touching the unit and are susceptible to being in contact with the same. Using harsh chemicals can also lead to damage to the anti-glare coatings on the console.

These are a few ways in which you can clean the dashboard. Proper cleanliness ensures good health for you and your co-passengers. Clean and stain-free interiors make a statement and provide credibility to the excellent maintenance of the vehicle.

If your interiors are neglected too often, you might need to change the unit entirely, which can be expensive. Add value to your car by investing in an insurance plan with a good motor insurance company. Getting the best deal on an insurance policy can be beneficial for you, in the long run, to stay stress-free regarding the expenses associated with your car.

Click HERE to know more about motor insurance company.

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

BannerImage

Here's the list of seven surprisingly strange things that can be covered by home insurance

We all know the importance of investing in home insurance. It covers the cost of repair work and modifications in case of damages. However, there are various aspects of home insurance that you might not be aware of.

Let's look at some surprisingly strange things that might be covered under your home insurance.

1. Space debris:
Damage to your property caused by meteors, airplanes, rockets, satellites, etc., is covered under home insurance. The risk from these is listed as environmental hazards. Space debris includes both man-made things and naturally occurring objects.
Any damage caused by this debris to the structure and the homeowners' belongings is covered under home insurance. If you get injured on the premises of your house, the insurer is liable to provide you cover for all the medical expenses you incurred during your treatment.

2. Damage from plane and vehicle crash:
A plane crash in housing areas can lead to severe property damage and injuries. Other instances of crashes are when cars swerve off-road and crash into the house. Damages and injuries resulting from these crashes are also covered under the home insurance policy.
Under these circumstances, the party that caused the crash is liable to make monetary compensations for the damages incurred. If, however, their payout is limited, then your insurer steps in and pays for the rest of the expenses.

3. Damage due to civil disorder:
Any explosion, bombing, etc., arising from civil commotion can lead to property damage and vandalism. These situations lead to severe expenses and maintenance work due to heavy destruction. Property damage arising from fire, broken windows, etc., are also a few instances. If you are unable to reside inside your home due to these conditions, your insurer will cover additional living expenses such as hotel bills, meals, etc.

4. Floods and other natural disasters:
Due to increasing global warming, there has been a severe increase in natural disasters. Any damage incurred during these disasters is also covered under home insurance. Note that most insurers do not cover these, so look for insurance policies that include these factors.

5. Upgrades:
Any upgrades or modifications made due to new regulations from the local government are covered under home insurance. Opting for ordinance coverage is an excellent way to ensure that your insurer handles these expenses. Under this feature, the insurance company is liable to pay you the cost of overhauling a home or building to comply with the up-to-date building codes.

6. Identity theft:
Identity theft is a massive problem across the globe, and many fraudulent activities occur because of this. Insurance providers cover the cost of all the expenses, from legal fees to the reapplication of loans.

Insurance providers are there to help and support you in case of emergencies and other mishaps. Spending ample time on research and reading through the policy papers to ensure that you are choosing the best home insurance will help you in the long run.

Click HERE to know more about home 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.

BannerImage

Know more about different ways to handle the weird mood swings of kids while travelling

Although travelling with kids is fun, it can also be challenging at times. Children are difficult to control and have to be constantly looked after no matter where you are. While parenting is blissful, it can be stressful during travel.

You need to ensure that you carry enough supplies for the trip, pack your essentials, and anticipate everything your kids might require during the journey. It also depends on their age, as younger kids need more attention than those old enough to carry their bags and take care of themselves.

Kids can get iffy while traveling for multiple reasons, including an unfamiliar atmosphere, too many people, deviation from the routine, and much more. But how to handle it when they get all worked up? This blog will answer that for you. By the end, you will know more about the different ways to handle your kid's mood swings while travelling.

1. Keep small toys handy:
You can distract your kids with their favourite portable toys. This will give them a sense of familiarity and allow them to have fun and stay unaffected by the crowd or the unfamiliar surroundings around them.

2. Food breaks:
Try to give your child quick snacks on the go like chocolates, biscuits, chips, or other food items they like. Giving them food and water breaks keeps their stomach full and can even help them drift off to sleep for the rest of the journey. This would keep the kids stress-free during the trip and be helpful for the parents.

3. Cartoons and shows:
Entertainment is always a saviour when it comes to calming kids during travelling. You can download their favourite shows and cartoons before heading for the trip. This will keep them occupied, and they won't be much bothered about their surroundings.

4. Activities can help:
Parents can pack different supplies for some exciting activities that the kids can indulge in. This will serve as a learning purpose while also keeping them busy. You can carry crayons, pencils, papers, board games, tokens and dice, comics, storybooks, etc., for the children to keep themselves occupied with. These pastime pursuits will engage them and enrich their knowledge while keeping their mood swings at bay.

Another easy way is to give your kids a gaming console to keep them occupied and have a relaxing trip. Next, carry travelling essentials for kids, pack their backpacks, and give them the responsibility to handle them if they are old enough. If you are travelling with a newborn, carry their diapers, warm water, milk, and a sipper.

These are some tips and tricks that parents can use to help their kids stay calm while travelling. Often children might get sick on trips, bringing you and your children into unprecedented situations. It is crucial to invest in an insurance plan to stay stress-free and protect yourself and your kids against any health-related emergencies or other unforeseen mishaps. You can check out all the available options and easily buy an insurance policy online.

Click HERE to know more about how you can buy insurance policy online.

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

BannerImage

How to Secure Your Home Against Calamities?

It's an old adage "New or Old - Home is where the heart is". Whether you have moved into a new house or have just had your entire house renovated, you want to make sure that it is safe from calamities. You need to make sure that you can reduce the damage to your house in case there is a natural disaster and that you won’t need to pay a hefty amount trying to fix that damage. One of the best ways is to always have home insurance. With there being so many in the market, it isn’t that difficult to find the best home insurance in India. Here are some ways to secure your home against calamities: -

Get Home Insurance: Always having home insurance in place is one of the best ways to protect your house from any calamities. Home insurance will cover a certain proportion of the costs of repairing or will protect against any damage due to fire, a flood, an earthquake or other such disasters. So, if there were to be a calamity, you wouldn’t need to pay for all the costs of repairing from your own pocket; the insurance company will pay for most of it. Do a little research and choose only the best home insurance in india.

  • Have a strong foundation: If you live in a house and not an apartment in a building, make sure to bolt the house to the foundation. When constructing or renovating the house, make it a point to secure the house to its foundations so it won’t be uprooted when there is an earthquake, especially if you live in an earthquake-prone region.
  • Know how to turn off the utilities or electricity: When there is a natural disaster, the chances are that you won’t really have a lot of time to turn off all the electrical switches, water taps or the gas. So, you must always be prepared. Know where the main electrical board is or where the main source of the gas is, so you can just turn them off during an emergency instead of scampering around trying to turn off individual taps or switches.
  • Do not put off any repairs: Whether there is a tap leaking, a hole in the wall or the roof, or the door isn’t properly hinged to the wall, do not procrastinate when it comes to fixes these problems. You cannot predict a disaster, and when it does hit, the slightest gap or the smallest hole will allow water to enter into the house and eventually flood it. In case of a storm or tornado, a loose door could ultimately break, and you wouldn’t have much protection from the strong winds or the damage they may cause.
  • Try to use fire-proof materials: Trying to construct the house entirely with fire-proof material is not possible. However, the wires used must be all fire-proof. During a natural disaster, wires can possibly cause a fire, and using water to put it out would only be more dangerous. So, you must make sure that the wires you have running all over your house will not catch fire.

Being a homeowner, you need to keep a lot of things in mind to ensure that your property is safe from any damages and a natural disaster is something no one can predict so the only option is to be fully prepared.

BannerImage

Guide to make your first ever flight journey more exciting and less daunting

Flying thousands of feet up in the air for the first time is always one of the best experiences in life. Picking a window seat for stunning views, excellent food, comfort, and convenience are a few things you can associate with air travel. When you are boarding a plane for the first time, you have different emotions; your eyes sparkle with anticipation, your heart races with delight, but there is a lot of confusion that daunts you. Few of us wait impatiently for our first ever flight journey, whereas others are a bit worried, and it is natural.

So, to prepare you for this incredible experience, we have put together a guide that will make your first-ever flight journey more exciting and less daunting.

1. Turbulence is normal:
Even regular flyers are still afraid of turbulence, but it is nothing to be scared of. Engineers design the planes to undergo much more shaking than you could have imagined.

2. Arrive early:
Usually, people adhere to the reporting times given by the airlines. Still, being early for your first flight makes you a little more relaxed to adjust to the atmosphere at the airport. The spare time lets you complete the baggage check-in, collect boarding cards, security formalities and cross the immigration counter with ease.

3. Know about the airline's luggage policy:
How much luggage would you be allowed? How much should they weigh? What all things are you restricted to travel with? What if your luggage is misplaced? Acquaint yourself with all these important guidelines to avoid chaos.

4. Not all noises indicate dysfunctional aircraft parts:
Commercial planes are super complex machines. And it is pretty normal for devices to be noisy. For example, when retracted or deployed, the landing gear sounds like a thud that usually startles people. But, even the engine will be relatively quieter once the aircraft is in the air at a certain altitude.

5. Prepare yourself for motion sickness:
The likelihood of having it in mid-air is less because you do not experience twists or turns as you do in a car or a bus. But, some people have aerophobia that makes them feel sick and anxious mid-air. There are air sickness bags in each seat, and you can bring pills for yourself.

6. Choose your seat according to your liking:
Window seats let you peep outside with a few of the most sensational sights; on the other hand, aisle seats give you the option to take a walk more frequently during the journey. Consider your choices if you get the liberty to select your seat.

7. Carry these useful items:
Bring good noise-cancelling headphones, eye masks or neck pillow with you if you wish to have a few good hours of pleasant sleep. Use onboard entertainment music to engage you throughout your flight and make you rejoice in the journey with the melody of beats.

8. Comfortable dressing:
Aircraft's economy class seats are not the most luxurious ones out there. So, for a comfortable journey, choose breathable and stretchable clothes and footwear; think about the weather too.

9. Keep your cabin baggage light:
Wisely choose what you will pack in your cabin baggage. Remember to put the liquids, medicines, wallet, and electronics on top as, during checking, you might have to remove them for inspection.

The first trip can be a nervous one, but if you're confident and enthusiastic, you'll never say 'no' to flight journeys. Everyone has had an enjoyable first flight experience that becomes a story that they often recollect.

Also, as you pack your bags, it is essential to ensure some security in terms of insurance before boarding a flight. We recommend having general insurance plans as these will prove to be helpful all the time. General insurance plans include protection for your travel and will be beneficial to cover passport loss, any loss of baggage, or medical emergencies. So, keep the worries aside, and get ready to check in for your first flight experience!

Are you travelling internationally for the first time? Click HERE to know about the essential travel 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.

BannerImage

Safety Tips Before Going on a Trip

There really isn’t the right time to go on a trip. Sure, you might need to take fewer leaves from work or school if it’s sometime in June or December when everyone is on vacation. But a vacation is a vacation. And it’s an exciting time; you are busy making plans about all that you’d do once you get there, all that you need to buy before leaving, packing up your suitcase and other such things. But that isn’t all. You shouldn’t get so absorbed in making all the plans that you forget to be thoroughly prepared for the trip. For instance, to safeguard your car when you are on your vacay, you should get it insured from the best car insurance company in India. There are some tips you should always keep in mind when travelling, no matter where. Some of them are as follows:

  • Keep your belongings in a secure place: When you are travelling, there are chances of being pick-pocketed. Try keeping your wallet and identity proof in an inside pocket if possible or keep your bag towards the front side if they are kept in there. When staying in a hotel or hostel, do not keep your belongings scattered around and keep your luggage locked at all times. If you are travelling abroad, keep your passport and other documents in a locker if available.
  • Be aware of your surroundings: Make sure to research well about where you’d be staying. Do not forget to find out details about the area where you’d be lodging. If you don’t, you might end up staying in an unsafe or dangerous neighbourhood. In case you do end up in such an area, try not to go out after dark, especially alone.
  • Keep people informed: Whether you are travelling alone or with friends or family, it is always a really good idea to let people know where you are and what you generally intend to do that day. This way, in case something were to happen, or you aren’t able to contact anyone during an emergency, they would know where you are and can perhaps get to you or could inform the authorities if need be.
  • Be careful when using public Wi-Fi: It is great to have Wi-Fi around you, so you don’t need to use up your mobile data but be careful when connecting to it. If you end up connecting to a network that isn’t secure, you could fall prey to hackers who might steal important information from your phone such as bank details or might even obtain your house address etc. It is key that you practise caution when using an unknown network since you could become a victim of cyber-crime.
  • Beware of strangers: There is absolutely nothing wrong with making friends when out on vacation. In fact, it is great to make friends in different places. However, you mustn’t trust just anybody you meet. You can never really know - someone’s intentions so you must avoid giving out personal information or going just about anywhere with people you have just met.

Trips are a great way to destress and just have a good time, but it is necessary to be careful when travelling. You must take good care of your things, including your vehicles. For instance, if you plan a road trip with your friends, do not forget to choose the best car insurance company in India, so you are protected in case of a problem.

BannerImage

Risks and rewards before converting your apartment into a paying guest accommodation

There's no room for an apple to fall, especially in Indian cities. Cities are buzzing with a huge population of students and working professionals. We often see our family and friends move out of their hometowns to turn over a new leaf. Some flee to pursue their dreams, and some to live independently.

This appears like a window of opportunity for the apartment owners to give their flats as paying guest accommodation. This way, they can earn well and gain the confidence to drive a small business. Being a highly rewarding sector, some individuals have already started to build their brands on PG accommodations. Their presence gives us a clear hint about the opportunities and profitability of this sector.

All in all, it's a booming industry. This fear of missing out in the market makes people convert their apartments to paying guest accommodations. But isn't it essential to know the risks and rewards before deep diving into this sector? Don't worry. We have got you covered.

Risks:

1. Legalities:
Converting your residence into a PG accommodation states that you are renting it for commercial purposes. Commercial properties require compliance with certain formalities and permission from municipal authorities, police, fire department, etc.

2. Security:
To prioritise the tenants' safety, ensure the installation of CCTV cameras and appoint a guard for additional security, and maintain the records of visitors.

3. Background check:
It is crucial to know your paying guests before closing the deal. So, verify their official documents, such as Aadhaar card, PAN card, passport, or authorised identity card, and keep additional photocopies of these with you for records and future reference.

4. Agreement:
The rent agreement serves as an official document of mutual understanding between the occupant and the landlord. You need to mention all the terms in the contract. Once the contract is signed, you can move to the next step of closing the deal.

5. Damage to property:
The tenant should be responsible for maintaining the original condition of the PG except for everyday wear and tear. In case of any damage, it should immediately be brought to the landlord's notice.
As a landlord, you can insure your apartment with home insurance which would safeguard your property in case of any burglary, fire, or natural calamity.

Rewards:

1. Greater monetary benefits:
PG business can be a money-spinner for you. On average, a PG accommodates 5-6 individuals. So, a PG can earn you up to 10x of what you could make by renting out the apartment. Paying guest accommodations in metropolitan cities can earn you between 6,000 to 50,000; for other cities, it can range from 3000 to 20,000 per head per month. This can be an excellent source of side income that can be a significant financial benefit, especially for the middle class.

2. Passive income source:
PG can be a great passive income source for you while you can continue your own job/business. Converting your apartment into paying guest accommodation would be an excellent decision. However, complete all the necessary procedures and legal issues before converting it to a PG.
Don't forget to undertake the safety of your apartment by investing in home insurance, which would protect your belongings and your apartment from damages that mostly occur due to natural disasters and/or manmade misadventures.

If you have a good living space that is not occupied, then PG renting is a good decision you can make to get monetary benefits from your asset. But it is important to be clear on the terms before dealing with tenants. Never trap yourself in a problematic situation by making rash decisions.

Do your best research and background check of the desired tenant and stay updated on your home insurance renewal. Follow these basic yet vital steps, and you are all set to rent your apartment.

Click HERE to buy the best home insurance policy for your PG accommodation.

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.

BannerImage

All things you need to know about Burglary Insurance Policy

In the unfortunate event that someone breaks into your establishment and steals your belongings, the experience can be devastating on a psychological and economic level. Forcible intrusion into a residence or commercial establishment to commit theft is the definition of burglary. If someone tries to break into your home or place, you may be able to recoup some of your losses with burglary insurance.

Why do you need Burglary Insurance?

Under the Home Burglary Insurance policy, you also have the option to purchase additional coverage for high-value items such as diamonds, jewellery, and other valuables.

If a criminal were to break into your place of business and steal valuable items like computers, printers, and other office equipment, you would be protected by burglary insurance. These policies are designed to reimburse you for the loss due to the actions of evil minds. It provides the best possible financial assistance and helps you adjust to such circumstances to recover from the damages.

If thefts from homes and businesses are common in your neighbourhood, you should consider purchasing insurance against theft and burglary.

Essential points to identify needs for burglary insurance.

The primary motivation for purchasing theft protection is to prevent significant financial loss so that your home or business can be secured against the possibility of a break-in.

Crimes like burglaries, thefts, and other similar occurrences frequently make the front pages of newspapers. In today's world, it's irresponsible to abandon your house alone for too long. For this reason, having burglary insurance may be a great relief and a source of pride.

Let's take a look at the scenario when you must protect the homes with a burglary insurance:

● If you must keep the residence unattended for a long time, and there's nobody to look after.

● For those who must depart their homes or businesses for extended periods.

● Anyone running a business with a steady stream of customers coming in and out of the building daily.

● Corporation owners who attend to numerous clients each day.

Following are the types of burglary insurance available under the general insurance India category.

1. Full value insurance:
This type of insurance gives complete coverage to the property.

2. First loss insurance:
Under this plan, a certain percentage of the property gets insured rather than total protection. The policyholder must opt for this when there is less probability of total loss.

3. Stock declaration insurance:
Under this plan, the policyholder must estimate the highest stock value during a financial year. And the said amount will be the sum assured. In the case of stock fluctuations, this plan is beneficial.

Burglary and theft insurance are not the same. Illegal possession of assets, intending to infiltrate closed establishments forcibly (armed robbery), and theft by violence/ persuasive/ vicious entry are covered under burglary insurance.

On the other hand, theft insurance includes comprehensive coverage of stealing activities. Most types of insurance, including those for automobiles, homes, and even health insurance, provide coverage against burglary, which widely falls under general insurance India. Crime insurance endorsements can also be added to your policy to increase your protection against theft and burglary. Get acquainted with all the necessary information about a burglary insurance policy for your home or workplace safety. The criminal act of a few minutes can adversely affect your hard-earned happiness. Don’t let this happen, and buy reliable burglary insurance today!

Click HERE to know more about general insurance India.

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

BannerImage

Know how you can build a swimming pool in your house

Who doesn’t love a private swimming pool? People of all ages have the time of their lives in the pool. You can go swimming, have floating meals, spend quality time with your loved ones, organise pool parties, and so much more. Building a swimming pool on your own house’s premises is an alluring deal. But as amazing as it sounds, there are multiple things you need to consider before you start constructing your pool.

What factors need to be considered before and during the pool construction process? Are there different types of pools? If so, which would be the best fit for your house? This blog will discuss all the answers to the above questions and much more.

1. Be thoroughly educated about the local laws and regulations:
You need to make sure that you are aware of the local municipal corporation laws and the rules of such types of construction, as many cities and states have different sets of rules that you need to comply with. You need to check in with the authorities and the designated officials to ensure that you do not violate the terms and end up in trouble for the same.

2. Determine the reason for the construction of the pool:
You need to make sure that you are clear about the reason behind building the swimming pool. Is it for exercise or pleasure? Which set of people would use the pool more- children or adults? Suppose it is children that you are focusing on while constructing the pool. In that case, you have to ensure that the depth is not more than 1.5 ft, and if it is for adults, then not more than 4 ft (the guidelines regarding these measurements might vary), according to the safety purposes.

3. Types of pools and which one do you want:
Fibreglass, vinyl-lined, and concrete are the three significant categories of in-ground swimming pools can be classified into. Fibreglass pools have fewer varieties in shapes and sizes, which can be difficult in case you want to construct a pool in your backyard or some area within your premises that would require multiple customisations. In cooler regions, fibreglass and vinyl-lined pools are preferred over concrete pools due to their flexibility.

4. What would be the ideal location for a pool:
It would be best to consider multiple factors before finalising where to construct the pool. These include more sun exposure and fewer trees to avoid getting leaves into the pool and eliminate contamination risks. Otherwise, you will have to spend the entire day cleaning and filling up the pool due to dirt and debris in case of heavy rains or winds. Steer clear of any electrical pipeline, wires, sewers, etc., above or underneath the pool to avoid any risks of shocks. Lastly, the pool must be in the visible range within your premises so you can quickly check on the people in the pool or if there are any other potentially dangerous factors.

Other factors that you need to take care of are filtration techniques that would suit your pool and fit your budget optimally, pool sanitisers, the budget, and the type of workers you might need for the process safety gears and protocols, etc.

Know how you can build a swimming pool in your house? Well, now you do. Beautifying your house and upgrading it by installing various entertainment sources helps you create the home you have always dreamt of. It is a massive part of building memories. But apart from the entire up-gradation and decoration process, you must ensure that your sweet abode stays secure against any damages. Apart from investing in pool construction, it would be best if you also considered buying home insurance. Buy best home insurance online India to make the purchase hassle-free. You can get instant solutions for all your queries and good customer satisfaction while making claims or paying premiums through the online portal.

Click HERE to learn more about how you can buy home 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.

BannerImage

Understanding insurance as a tax-saving option

Every legitimate and eligible citizen of India is supposed to pay Income Tax regularly within the specified time limit as per the government regulations and norms. The taxable amount is based on an individual’s annual earnings. There are different tax and income slabs defined respectively by the Indian government. One must consider their earnings and calculate their taxes accordingly. These taxes are righteously used for the benefit and progress of the country.

But amidst all these details, were you aware that insurance, apart from protecting you and your assets against various risks, also is a substantial tax-saving benefit? This important question may give you a broader perspective on the insurance and tax-paying correlation. We have all the information you will need to understand the perks of insurance and how it can be a tax-saving choice. Let’s dive deeper into the facts!

Which policies help you fetch tax benefits?

Insurance options that will help you avail of full benefits along with tax-saving options include:
● Retirement plans and policies
● Health insurance policies
● ULIPs-Unit Linked Insurance Policies

All these insurance policies can be categorised under similar yet slightly different sections of the Income Tax Act regulated by the Government of India.

Understanding the tax deductions.

Various types of deductions can influence the tax benefits you can get on your health insurance. Let’s understand what 80C and 80D tax deductions are. Tax deduction can be claimed on your taxable income on premiums valuing around Rs. 1.5 lacs.

These premiums are supposed to be paid for insurance policies in your name, spouse’s name, or your children’s/child’s name/names. If you are someone who has paid their premiums, you can avail of 80C and 80D tax deductions annually.

The 80D deduction.

The 80D deduction dictates that if you have a health insurance policy in your name or the names of your spouse and children, the tax-deductible income can be Rs 25,000 on the insurance premiums.

According to section 80D, there are various other prospects for this deduction, but we will now consider this information to discuss the tax benefits further.

The 80C deduction.

According to section 80C of the Income Tax Act, the tax-deductible you can claim is worth Rs 1.5 lacs of insurance premiums. If you purchase a single premium policy, you can only claim the tax benefits under section 80C of the Income Tax Act.

Under section 80D, if you have a health insurance policy under your name along with a dependent with the minimum age of 60, you can claim a tax deductible on the dependent’s health insurance.

Protecting your financial assets against unprecedented situations and getting compensation for your financial losses is essential. Times can be very unpredictable, and you might never know when you will need a lot of money. Exhausting your savings is not a wise option here. You need to think beyond and try to avoid burning a hole in your pocket.

While being mindful of your expenses and determining a budget is one of the top solutions here, insurance is another way you can stay secure about your assets. It is vital to purchase the right general insurance after exploring the market and determining the one that can cater to your needs in the best way possible.

Click HERE to know more about general 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.

BannerImage

Why people are purchasing insurance policies online?

Carrying out activities such as phone recharges, bill payments, grocery shopping, clothes shopping, etc. has become very common. All the activities are getting digitalized now, and so is the case with general insurance policies. There are various platforms where you can generate an instant general insurance online quote as well as purchase a new policy.

In present times, a lot of people prefer to buy insurance policy online. Although the online purchase of insurance policies may not be everyone’s cup of tea, yet there are some significant advantages of buying an insurance policy online after generating a general insurance online quote.

In case you are wondering why people buy insurance policy online, here are the reasons which encourage them to do so: -

Time-saving: - You do not have to go through the hectic processes of going to the company’s office and get the process completed. The offline process lasts several days whereas, through the online process, everything is just a few clicks away.

Lower premiums: - The premiums to be paid are quite higher for the insurance policies purchased offline than the policies that are purchased online. Thus, the online method is pocket-friendly as well.

Easy comparison: - When looking for an insurance policy online, comparing becomes easier. You can compare general insurance online quote from all the companies at once without having to go through any trouble. You can look for yourself and choose the company that suits you the most.

Freedom to decide: - Everything is done on your own, so you are the one making the decisions. There is no manipulation or pressure from the company when you purchase an insurance policy online. You are the sole decision-maker without any external influence.

Less paperwork: -Purchasing an insurance policy online reduces the amount of paperwork to be completed. The offline method involves a lot of paperwork which can be quite troublesome. The online saves you from it, and the entire experience becomes hassle-free.

Informed decision making: - You can also view the customer reviews for the policy that you are going to buy. Before finally buying the policy, you can search for the reviews of other customers to check if you can trust the company and the policy.

Fewer chances of rejection: - The chance of rejection due to incorrect or incomplete details becomes negligible under the online mode. This is probably where the offline method becomes troublesome, where the forms can be rejected multiple times for some trivial issues.

Easy and convenient: - The processes of purchasing a new policy and paying the premiums can be completed with just a few clicks in case of the online mode. In the older times, buying policies was all about personal interaction and a buildup of trust following the interaction. The customer was convinced by the representative of the insurance

Informed decision making: - You can also view the customer reviews for the policy that you are going to buy. Before finally buying the policy, you can search for the reviews of other customers to check if you can trust the company and the policy.

company and after various processes, the final buying of the insurance policy took place. However, in the online purchase procedure, everything is digitalized and available on your device with an internet connection.

Though, the digitalized ways of selling and buying insurances policies online lack the old ways of building up a sense of trust in the customer. The customers do everything on their own in such cases through the online portals of insurance companies, based on their brand image and terms and conditions.

The new method is not appreciated by all sections of the public, and many of them still prefer traditional methods. So, if you are looking to buy insurance policy then you should weigh all the pros and cons of both the methods and choose the one which suits you and your ideas the most.

BannerImage

Five Common Mistakes Everyone Makes While Buying Car Insurance

Almost everyone today owns a car, which means they would most probably either already have a car insurance policy or would be looking to buy one soon.

For those who plan to buy one, there are many things to consider. Since the policy would provide financial cover in the event of an accident, either for the repairs/ any bodily harm, or both, hence, you must do all the necessary research. One should choose an insurance policy that not only suits your needs the best but also offers maximum coverage.

Here are five mistakes that most people tend to make when buying car insurance: -

  • Opting for a low premium: The premium is the amount you regularly pay to the insurance company towards the policy, and often, many people choose a policy that comes with a lower premium.
  • Comparing policies only based on price: Car insurance prices in India vary from company to company, and while paying a low premium might seem easy on the pocket, but you may not get a lot of benefits or the needed coverage out of it. Before you pay any amount, make sure to go over different policies, compare them, and then choose the one which offers maximum coverage.
  • Not registering the vehicle: As a car owner, you must register the car or transfer the ownership to yourself since that is the only way to make the insurance claims when needed. While many forget to do so, others purposefully avoid it, to not pay the taxes, and end up not benefiting from the insurance policy.
  • Not doing enough research: While asking friends and family or the car dealership about suitable car insurance is always a good idea, it would be stupid not to do the research yourself. You must make sure to go over different car insurance policies and compare their terms and benefits before you choose the one that suits you best. If you do not do so, you might end up paying higher than necessary or might opt for a policy that does not offer optimum coverage.
  • Not reading the policy: Whether you are yet to select a car insurance policy or are about to sign on one, one of the worst mistake that you can commit is not reading the terms, conditions, and coverage of the policy. Unless you read it thoroughly, you will not know what it does and doesn’t cover, how much you need to pay, when and how much you would need to pay out of your pocket in some cases, etc.
  • Not updating the policy: There are always changes in your everyday life, which in turn influence the kind of car insurance you would need (it could be related to where you live or work, where you drive most often, the rate of theft around your area, etc.). When you choose an insurance policy, you will go with the one whose terms and coverage align with your lifestyle, and thus, it makes sense to update your policy if there are any changes in your everyday life.

Keep in mind that the car insurance prices in India will differ everywhere, as will the terms, thus making it very important to research thoroughly before buying such a policy.

BannerImage

A look at how far we've come and where we're headed.

When truth and transparency are the core of a general insurance company, you know you are in trustworthy hands. This is the way of life at Magma HDI, and the fundamental reason it has been able to sell 1 million policies in FY19, as on February 21, 2019.

Having started operations only in 2012, Magma HDI has managed to build a strong reputation as a key player in the Indian insurance industry in a short span of time. It has steadily climbed growth charts with close to 1,000 employees, 135+ branches and 5,000-plus partners from about 180 employees, 46 branches and 500 partners back in the year of its commencement.

So, what have been the key differentiators responsible for this success?

The foremost reason is the company's utmost focus on honesty and transparency. When you choose Magma HDI, you get exactly what you have signed up for.

What's more, your struggle with endless, incomprehensible TnCs is over. Magma HDI believes in minimal TnCs that have important clauses highlighted. There are no hidden charges, and all costs are revealed to you upfront.

The company has a wide range of retail and commercial products on offer that suit requirements of all kinds of buyers. It has over 50 products across categories to choose from and has issued more than 24 lakh general insurance policies till date.

The foundation on which Magma HDI has been able to build its standing is its high claim- settlement ratio. Magma HDI has settled 94.1% of claims generated in FY 17-18 compared to the industry average of 87.2%. Owing to this, Magma HDI has successfully settled more than 1.25 lakh general insurance claims till date.

Additionally, the claim settlement process is absolutely hassle-free. Almost 87.17% claims made in FY 17-18 were settled in less than 30 days compared to the industry average of 62.1%.

A good insurance provider must not only assure you and your loved ones of a safety net in times of need, but also offer you the much-needed peace of mind that the promises made to you will be kept. To check both these parameters off your list, go ahead with a trusted partner such as Magma HDI.

BannerImage

Five Reliable Sources to Learn About Health Insurance

Health insurance is something that every single person should have at all times, so they are protected from any unnecessary or substantial expenses in case there is any harm to life or threat to health. However, before you go with a particular health insurance policy, you need to have all the necessary information about it, such as the premium to be paid, the coverage, the validity, exceptions, etc.

You need to make sure to choose only the best health insurance policy in India, not just for yourself but also your family. Here are five reliable sources to learn about health insurance; you end up making the right choice: -

  • A Health Insurance Agent: One of the best sources to learn about health insurance is an agent. A health insurance agent is well aware of all the terms and conditions of the different policies and can provide you with all the information you need. Whether it is about the premium you need to pay, find out about all that it covers, and doesn’t, what fees you need to pay, what some other benefits are, etc. Agents know about the policies of their own company and can also give you some vital information about health insurance in general.
  • Your doctor: Your general physician, or the doctor you have been going to for years and who has all your health records, is another excellent source of information when it comes to health insurance. Since they are quite involved in the health industry, they would be able to advise you on what the insurance policy must cover depending upon the condition of your health.
  • Your place of work: It might not seem as if your employer would have information about health insurance, but that is not true. Many companies provide their employees with health insurance or pay for a significant part of it, and thus have a lot of information about health insurance in general. If you are seeking information about health insurance, your employer might be able to help, especially since companies keep detailed records of such policies. If you work in the healthcare industry, you have an added advantage.
  • The Internet: With almost everything available on the internet, it is not difficult to find the best health insurance policy in India online, given the number of insurance company websites as well as general websites that compare different policies. You have the option of going through the websites of different health insurance companies and collecting information about the various policies, or you can read different articles that compare health insurance policies, and then find out more about some particular ones. The internet is an excellent source of information for everything, including health insurance.
  • Your Family: Believe it or not, your family members can help you choose the best policy for you and your family. Since they have been through the process of finding a good insurance policy numerous times, they can help you understand the terms and conditions and can help you find one which suits your needs the best. However, be sure to verify it with an agent.

Having Health insurance is extremely important, and so, you must only consult with the most reliable sources when finding out about it; having inadequate or incorrect information can prove to be detrimental in the future.