GENERAL INSURANCE BLOG

Everyone wants the shiny look of their cars. But what about the smelly interiors? Stinky car interiors can negatively affect your mood and make you feel awful. So, to get rid of foul odours, in this post, we have mentioned some quick tips to help you have a refreshed car and a happy mood while commuting.

1. Vacuum the fabrics:
Most of the time, solid particles tend to get trapped in the car's interior and removing them can be a daunting task. These particles get deep into the fabric. Even after cleaning your car, you still wonder where the smell is coming from.
To get rid of the foul smell, use a vacuum cleaner to clean all the seats and the fabric of your car. This will suck all the gunk and dust particles from your vehicle, leaving your car clean and fresh.

2. Avoid smoking in the car:
If you smoke in your car, you might know how unpleasant the smell is. Smoking leaves behind tar which can stick to the interiors. The smoke can even get in the vent ducts of your air conditioner and become nearly impossible to remove.
To get rid of this, you can wipe off your car with a solution of water and vinegar in a 1:1 ratio with a few drops of liquid detergent added to it. This will remove all of the gunky substance and leave the surface of your car clean. In addition, you can spray some air freshener in the air ducts of your air conditioner to combat the odour.

3. Use baking soda for unpleasant food spills:
Sometimes, you tend to drop something on the carpet or your car's fabric, and the spills being left for a long time start to stink. Even after wiping it, the pungent smell may remain.
To remove the smell of the leftover spill, you should mix a tablespoon of baking soda and three tablespoons of vinegar and use this mixture to rub the mat or car fabric. This mixture will clean your fabric and remove all the unpleasant smells coming from it.

4. Use car deodorants and air cleaners:
This is one of the simplest and quickest ways to keep your car smelling fresh. All you need to do is pick your favourite car perfume and spray it in your vehicle. The air spray molecules will trap the pungent smell and give your car a fresh aroma. There are other similar products that you can explore, like odour patches, air- filters, etc.

5. Get your car a spa:
This will be your last resort if any of the ways mentioned above are not working for you or if the smell is very foul. Next, you should take your vehicle to a professional car cleaning service. The cleaners will clean your car from inside to the outside by washing your seats, mats, air ducts, food trays, etc., making your vehicle look and feel brand new.

We all know how bothersome stinky cars can be. You can follow the tips mentioned above to get rid of the bad odour in your vehicle. But it is not always the dirt that causes the smell. Sometimes these smells can be from leakages. If not addressed correctly, these issues can cause severe damage. So, we would suggest you have car insurance by your side to cover all repairing costs at the garage. Reliable car insurance will keep the stress off your pockets and give your possession the benefits to have a long life.

Click HERE to buy the best car insurance plan.

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

Action cameras have become a new trend among bikers. You must have seen the riders with one fastened to their helmets or handlebars. One reason being, India is adapting well to the vlogging, thanks to all the biker communities and influencers. With the evolution of action cameras, millennials are interested in capturing their bike rides and sharing the content on social networking websites.

There are some easy steps for you to produce the best-looking shots from an action camera, regardless of riding ability. Read these nine best tips to film better videos through your action camera.

• Choose a suitable device; you may not require an expensive camera and instead need something easier to transport and manage and friendly with all weather conditions.

• Plan out your videos; consider the video's objective, surroundings, the route you'll take, and how you'll film it. Take into account the lighting, the weather, and even the background music.

• The mainstream camera technology can record at 24 FPS (frames per second) for regular speed and at least 60 FPS for slow motion. However, extra-slow motion does not kick in until at least 120 frames per second, and filming at greater frames per second may lower the resolution.

• Set the white balance to auto, although you may set it to specific numbers corresponding to different lighting circumstances (for example, 5500K = daytime). We find that letting the camera make such adjustments for you is always the best option for shooting true colours on a motorcycle.

• With the voice command feature, you can start recording at any time throughout the ride and stop whenever you choose. Even better, you can snap 'Still Photos' while moving.

• 4K recording requires more memory, drains the battery faster, and can be difficult to edit or playback on a computer.

• An SD card in your action camera is always not sufficient. You should keep at least two or more if you're going on a long journey or simply want to capture more films.

• The typical rule of shutter speed is that it should be twice as fast as the frame rate. A shutter speed of 1/60-1/96, on the other hand, is more helpful because it avoids the sickening amount of 'Motion Blur' that might occur when riding a bike.

• To avoid water drops damaging your footage, use a water-repellent glass treatment spray like Rain-X.

Motorcycling has forever changed as a result of action cams. With the rising trend of sharing content on social media platforms, people use action cameras for incredible filming. However, driving bikes on roads brings the great responsibility of getting the proper protection for you and your bike. You can replace your cameras but not your life, so invest in good 2 wheeler insurance.

These tips for getting better footage are only a starting point; if you have something else that works for you, go for it. Beyond any camera setting, position, or attachment, the most important thing to remember is that the one who presses the record button is the real star.

To get the best 2 wheeler insurance, click HERE.

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.

Often people think they need to invest years in mastering the art of carpentry. However, that's not entirely true. With the right mindset and tips, you will learn carpentry in no time! This specialized craft, believed to be one of the world's oldest professions, is commonly employed even today.

Here we have composed a detailed guide for you that will help you in your lessons while you are learning carpentry.

1. Learn about different types of carpentry:
When it comes to carpentry, the only thing that comes to an individual's mind is furniture. But that's not the real deal. There are different types of carpentry, and you can study each one and then pick the one suited for you.

• Formwork: Formwork in carpentry is designed to construct the structure of the object. It comprises the mould in which the concrete is poured while making stairs, walls, pillars, etc. Formwork, made with wood and steel, can be temporary or permanent.

• Framers: Framers work upon repairing and restructuring wood or wood-derived products. The task that you are to do as a framer is to measure, cut, and assemble the wood for industrial or household purposes.

• Cabinet designers:
This form of carpentry requires proficiency with woods and mastery of tools. The job of a cabinet maker is to build, repair and modify wooden structures and furniture.

• Joiners: Joiners, also popularly known as 'finish carpenters,' are more inclined towards wooden ornaments, fine woodworks, and fitting of doors and windows.

2. Take safety precautions:
While working with tools and woodwork, you must learn safety measures like first aid training and have all the safety accessories like gloves, glasses, helmets etc.

3. Measure like a pro:
Measurement is one of the essential skills you need to learn while practising carpentry. You will be cutting several wooden blocks and pieces most of the time. Therefore, double-check your measurement before doing anything.

4. Learn to use carpentry tools:
Tools make a carpenter's work easier, but only if they know how to use them. Carpenters use various tools like handsaws, chisels, mallets, etc. Therefore, it would be best to learn to use them rightly and understand which woodworking activity necessitates what type of equipment.

5. Get trained:
There are plenty of paths to carpentry, and some of these do not even require any qualifications, only skills.

6. Get working experience:
Working on-site on a live project can be one of the best ways to get into the carpentry industry. You can gain plenty of knowledge and skills while you are at work. Apart from that, you can even get into different roles like general construction operations and work with professional carpenters.

7. Take up courses:
There is an abundance of specialized courses you can sign up for learning carpentry. These courses typically provide you with hands-on and theoretical training to make you a better carpenter.

Carpentry is an excellent skill to learn and practice, and you can excel at it if you choose to continue with passion. Although being a skill, it still poses a threat while working. You may get hurt while using a tool or working with heavy objects. So, it is suggested to have the best personal accident policy in India to safeguard your wellbeing and put less stress on your pockets.

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

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

Inhabited by some of the most highly religious communities and cultures, India is the world's largest multi-ethnic and religiously diverse republic. The air in the land carries the essence of Dharma and Karma to welcome your spiritually thirsty souls.

Here, we've compiled a list of India's most exquisite holy sites to visit with your family or by yourself to find serenity, knowledge, and peace.

1. Shirdi:
Practitioners of several religions visit the Shirdi Temple in Maharashtra - home of the famous guru Shri Sai Baba. The devotees believe that Sai Baba's 'Dwarkamai' is the place that will solve all their problems.

2. Golden temple:
One of the most significant pilgrimage sites for Sikhs is the Harmandir Sahib Gurudwara in Amritsar. One distinct feature of this Gurudwara is its Langar (meal service), which bagged the honour of being one of the most extensive operating kitchen services. The Langar is open all day for the devotees to enjoy delicious prasad and make their visit more memorable.

3. Kedarnath:
The Hindu temple of Kedarnath in Uttarakhand praises Lord Shiva. It is one of India's Char Dhams. According to the mythology of Skanda Purana, Kedarnath is considered the abode of Lord Shiva.

4. Amarnath:
The sacred Amarnath shrine is located in Jammu & Kashmir. Devotees can only access it after a few days of strenuous hiking. This temple does not contain an idol. Instead, a Shivling forms when water flowing from the cave's top solidifies and rises upwards. This natural phenomenon is the highlight of this holy place. Amarnath is also known as one of the 18 Mahashakti Peethas.

5. Vaishno Devi:
Located in Jammu and Kashmir's Trikuta mountains lies the temple of Vaishno Maa. It is a Shakti Peetha and one of India's most prominent religious sites. Moreover, it is associated with a thrilling story highlighting the victory of good over evil. After visiting the Vaishno Devi, visiting the Bhairavnath temple is a must.

6. Badrinath:
As famous as Kedarnath, Badrinath is one of the Char Dhams for Hindus in the state of Uttarakhand. Lord Vishnu was believed to have come here to meditate and call this location home.

7. Temple of Jagannath:
According to Hinduism, the Jagannath temple in Odisha's Puri is an important pilgrimage site as it conducts the annual Rath Yatra here. Many devotees of Vishnu and Krishna participate in the yatra and celebrate the event like a festival. In addition, this temple is famous worldwide for its architectural magnificence.

8. St. Francis church:
Situated in Goa, it is acknowledged as India's first minor basilica. It houses the bones of St. Francis Xavier in a coffin and is only opened to the public once every ten years. It is also renowned for its gothic architecture.

9. Dargah of Haji Ali:
Dargah of Haji Ali is one of India's most famous Islamic holy sites. Situated in southern Mumbai, it consists of a mosque and Pir Haji Ali Shah Bukhari's grave. The Mughal style architecture influences the dargah, with beautiful white domes and minarets.

10. Bodh Gaya:
Located in Bihar's Gaya district, Bodh Gaya is one of the significant pilgrimage locations for Buddhists. It features three monasteries and several organizations that offer classes on Buddhist philosophy and an 80-foot-tall Buddha statue. It is also home to the Mahabodhi tree, where Gautam Buddha attained enlightenment.

When planning your next vacation, consider a couple of these religious sites in your itinerary. Set off on a spiritual pilgrimage with your family and feel inspired. While you uplift spiritually, it is also vital to ensure your family's safety while travelling. Before making travel plans to these holy places, count on Magma HDI's general insurance policies and have a safety net for you and your loved ones.

Click HERE Browse general insurance policies

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.

It's been a long and challenging time of social isolation, lockdowns, quarantines, and cancelled gatherings. But, finally, the series of missed opportunities have ended as more vaccines reach the arms, and the limitations imposed by the Covid-19 national lockdowns have progressively eased. Now, we have been allowed to socialise with our loved ones in ways we haven't been able to for a long time.

So, what better time to plan a reunion than now? It's time to take your travel bags out of your closet and put an end to these slumber times.

Below, we've talked about five great reunion spots for you and your loved ones to call home for a few days.

1. Goa, where vibes match your energy: If the most desired vacation in India had a name, it would most likely be Goa. Goa is as near a fantasy paradise as you can get and is a perfect blend of modern and traditional culture. You think of clean water beaches, enthralling water-sports activities, and crazy pubs and disco parties whenever you hear about Goa. But, wait, Goa is much more than that. The best Goan seafood, a historical Portuguese colony with a distinct charm and the Goan culture has no parallel. Since the proclamation of a nationwide lockdown in March, Goa has been one of the most eagerly awaited tourist destinations. It's the right time to plan a trip and make a vibe – Goa is ON!

2. Darjeeling, a paradise for tea lovers: Located in the Kanchenjunga range of the mighty Himalayas, Darjeeling is a picturesque hill station in the Northern region of West Bengal, which has earned itself the moniker of 'Queen of Hills.'

Rightly so, Darjeeling works wonders to cater to the magnificent Himalayan scenery, offering a blend of splendid tea plantations on steep mountain slopes, toy train trips through the beautiful city, and exquisite traditional Tibetan food. So if you want to cool off and spend time in the arms of mother nature, Darjeeling is the place to be.

3. Rishikesh, discover adventure with spirituality: Commonly known as the 'Yoga Capital of the World’, Rishikesh is part of India's beautiful state of Uttarakhand. Rishikesh is a place that truly epitomises the word serenity since there are several ghats and ashrams for you to rediscover yourself amid the world's craziness.
Go river rafting in the river Ganga or thrilling treks in the Himalayas; there's something for everyone. Rishikesh is catching the attention of travellers massively after the ease of lockdown restrictions. It will help you wake your spiritual side and enlighten your mood in peaceful surroundings.

4. Coorg, mountains calling: Coorg is part of the scenic state of Karnataka. Located halfway between Mysore and Mangalore, it appears to be a sliver of heaven that has strayed from God's realm. Coorg is a land of rolling hills, evergreen jungles, spices, and coffee farms. Fall in love with soothing sunrises, pristine air and heart-throbbing views of mighty elephants while sipping on a cup of famous Coorg coffee.

5. Munnar, surrender to serenity: Part of God's Own Country, Munnar is one of India's most famous hill stations. It is a destination with an abundance of natural beauty to see, experience, and enjoy. It is a land of virgin woods, beautiful hills, Savannahs, gorgeous valleys, countless streams, magnificent waterfalls, extensive tea plantations, and winding walks that are sufficient to calm your exhausted minds. Reside in the abode of greenery with your loved ones by visiting Munnar.

Have you decided on a destination for your reunions yet? If not, plan it soon, but remember that the pandemic has not ended yet, so you must abide by all Covid protocols. Also, don't skip the most crucial part of your trip: being safe and keeping others around you safe. Have reliable car insurance, and if you have one, check for your car insurance renewal before you pack your bags and set out for an adventure.

Click HERE to know about the best car insurance renewal deals that you can get.

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

Having a fluffy and tiny pet with you is similar to raising a small kid. But, as their parents, you also have a responsibility to make sure they do not face any problems. Additionally, having a pet in your home brings a lot of challenges. You have to ensure that you take adequate care of your pet to get them a cosy and safe habitat.

We help you with some tips to become a good pet parent and shower your pet with some extra love and care.

1. Make your pet get a safe environment:
Since your pet will spend most of the time inside the house, ensure that you create a healthy environment. Perform all the primary duties such as ensuring that their water bowl is complete, having food whenever they are hungry, litter box, and bed to snuggle when they want to relax. Keep chemicals out of reach and make sure they are also away from areas that can put them at risk, such as electric wires, electric cords, and strings.

2. Take your pet to the vet regularly:
Like humans, pets also fall sick, and it often goes unrecognized. To ensure your pet is away from sickness, take them to the vet for a regular visit.

3. Keep them active and provide enough socialization:
Similar to how kids need to play outside, pets are equally active and playful. Take your pet to outings, for a walk, run, or take them out for fun activities. You could also take them to pet events where they have plenty of socialization with other pets.

4. Set a daily routine for your pets:
You can create timelines for bathroom breaks, mealtimes, playtime, and outings. This way, your pet sticks to a daily routine, making everything easier.

5. Groom them regularly:
Hygiene is crucial, whether it’s for humans or pets. To avoid infection and diseases, keeping your pets groomed is essential. Regular baths and cleaning will help in keeping them fresh. Additionally, trim their nails so you or other family members do not get injured while playing with them.

6. Invest in training your pet:
Training your pet is an essential aspect of being a good parent. While many pets change and adjust to new behaviours as they grow, training is necessary. You can start by training them from the initial stage, developing them into habits. However, you can also invest in professional pet trainers to save time.

7. Understand that your pet may suffer from separation anxiety:
Like humans, pets such as dogs and cats suffer from separation anxiety. Your pet will become anxious and follow aggressive behaviours as you leave home. An easy way to reduce separation anxiety is by leaving something with your scent on, such as a blanket or sheets, so they feel close to you even if you are not home.

8. Create a playful environment:
Your pets may become bored after a while. Although you cannot ensure that you will entertain them all the time, creating a playful environment by filling their area with toys and other products designed for pets will keep them joyful all the time.

Being a pet parent can be challenging and fun at the same time. Some people feel more connected to their pets than humans, and it’s no harm in that. However, as a pet parent, you must take proper measures to ensure your pet feels loved all the time.

Entrust your bond with your beloved pet with insurance benefits to avoid the worries of injuries and focus just on spending quality time with your animal buddies. Invest in a robust online general insurance plan and get the advantages of its features for your complete family.

Click HERE to know more about online general 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.

There was a time when only those with unbelievable daring and high tolerance levels could enjoy rock climbing. But today, time is changing; with modern gears and professional instructors, anyone with passion and some training can exercise the sport of climbing.
Mountain climbing is the sport of climbing rocky surfaces with the aid of ropes and equipment. The goal is to reach an endpoint or a summit of a structure.

It is a physically demanding sport that combines fitness and agility with mental strength. It forces you to push your body's ability further to conquer an ascend or traverse. It may be difficult for some, but that is just another positive aspect of the adventure. The activity gives you a mental and physical boost with an immense sense of accomplishment.

One of the significant benefits is boosting your leadership qualities. As rock climbing is a preferred group activity, it becomes the ultimate classroom with lessons applicable to all aspects of life, including business, management, and leadership.

So, here are some of the important lessons you learn during your way up that eventually make a big difference in your leadership skills.

Trust – important of all! Trust and confidence within the team of climbers is a quintessential skill required during mountain climbing. You may enter situations where your life depends upon your teammate's abilities, and for this, their capability and competence must convince you. Trust cannot be earned or given in a moment. It requires several sub qualities like confidence, proficiency, transparency, and patience. You need to be familiar with each other's strengths and weaknesses and to be confident about relying on someone in the future.

Everyone has their fortes in climbing. For example, some are proficient in rock climbing, whereas others secure the rope while your partner climbs, so we must trust each other to lead when necessary. These are qualities of a good leader that he acts as a team player and not a commander.

Decision making – a remarkable ability! The adventure compels you to make many pivotal and critical decisions during your climb. Your one wrong decision can lead to a consequential mission termination, delay conquering the rock or even a mishap. It requires clarity of mind to work through solving problems. Being able to prioritise and understand the bigger picture is critical to navigating through obstacles.

A great way of decision-making in such environmental conditions is the OODA loop used by the US military. OODA stands for observe, orient, decide and act. OODA is a four-step loop approach that focuses on decision making by filtering available information, putting it in context, and making the most appropriate decision while understanding that alterations should be made (if necessary) when more data is gathered. It is helpful in scenarios where the ability to react to changing circumstances is vital.

Another leadership quality is 'care and concern'. No doubt on the hike, you look out for each other, but that is not enough. Ensure that everyone has a personal accident insurance policy, as it is a necessity that many may overlook.

Is a good leader enough for a successful trek trip? Absolutely not! Every individual requires a skill set for this sport. Skills of navigation, communications, survival, and climbing are all necessary. In addition, rock climbing requires courage and determination. The hard work of ascending is worth the peace at the top.

Click HERE to know more about our personal accident 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.

We have all been in a situation where we've felt completely drained of energy but have no clue what to do to get it back. Work fatigue results in higher unproductivity and even leads to draining mental health. Therefore, to help you combat it, we have compiled a list of the best six ways you can regain your energy.

1. Stay hydrated:
When you don't drink enough water, your heart pumps at a lower rate than usual, resulting in a decrease in the supply of blood and oxygen to the organs. It is recommended to drink at least 3-4 litres of water per day. To get this amount of water, you can keep a bottle of water on your desk while working and take regular sips as you get your job done.

2. Have a clean diet:
It is necessary to ensure that your diet is balanced and contains the appropriate amount of nutrients required by your body. Your meals should include the right portion of protein, fibre, and, most importantly, green leafy vegetables. In addition, you must limit simple carbs and avoid sugar. Overeating can also be one reason why you feel lethargic all the time. Have a balanced diet that covers all your micro and macronutrients.

3. Use Pomodoro Technique:
Studies have proven that the human brain works more efficiently when given rest after any activity. If you work without taking breaks, you will feel low and unproductive. To avoid this, you must try the Pomodoro technique. Using this technique, you break your work into 25-minute chunks and take a 5-minute break every 25 minutes. This will help you manage your time efficiently and help you feel more productive and active.

4. Get yourself moving:
Studies have proven that individuals who work out daily have better cardiovascular activity and a better mood than those who do not. When you are physically active, your body releases endorphins in your bloodstream that give you a feeling of excitement and joy. Exercising for at least 20-25 minutes every day will help you be more active and physically fit.

5. Practice yoga and meditation:
To improve your focus and feel more energetic, you must try yoga and meditation. Many businesses and corporates have adopted meditation as a part of their culture. Practicing yoga and meditation every day may help improve your focus and achieve mental peace that will indirectly help you be more active throughout your day.

6. Consult your doctor:
This is your final resort if you have tried all of the aforementioned tips. There could be other causes why you feel tired and awful all the time. It is recommended to consult your doctor if you continue to feel fatigued even after a considerable amount of time. If you have health insurance, your insurance company can cover your medical expenses. Therefore, you will not have to worry about the cost of medical bills and pressure on your finances.

It can be extremely stressful to be unable to complete a given task even as the clock ticks closer to the deadline, especially when you are struggling with work fatigue. Fortunately, with the help of these tips, you will have a much easier time regaining your energy and feeling more productive!

Click HERE to understand the merits of health insurance.

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

Suffering from low self-esteem is something that most people deal with in silence. Some only have to encounter it for a short time, when they are sad about something or feel a bit low. But, if you continue to dislike yourself, your appearance, or your performance, it can lead to severe mental health issues.

Low self-esteem is often a product of unpleasant life experiences. A psychologist may help you figure out the root cause of your problem. The good news is you can improve your self-esteem at any age by making a few lifestyle changes.

Here we bring some advice for raising self-esteem and boosting confidence for an improved living.

1. Pay attention to your thoughts:
Keep a caution about what you are thinking. For example, avoid thinking negatively, such as if your friends do not hang out with you. Instead, note down the thought and start thinking about positive evidence that contradicts these statements. Finding even one piece of evidence will instantly make you feel better.

2. Identify your triggers:
We all have specific situations that lower our self-esteem. Note down all the things that make you feel insecure. Hanging out with negative people can often bring down your self-confidence because of their behaviour towards you. Avoid the company of such people as they always nudge you in an unpleasant situation.

3. Be kind to yourself:
We often care about what others think of us but rarely consider our thoughts. For example, you have put on an outfit you love, but you have started questioning yourself because someone else has told you that it does not look good on you. Do not do that. The voice in your head saying, “You look good today!” is way more important than other opinions.

4. Build a positive friend circle:
You might find yourself smiling more with specific friends and being a little less self-conscious with them. While not everyone has to make you feel good about yourself all the time, no one should be allowed to make you feel bad either. Enrich your circle of positive friends.

5. Do not fight your thoughts:
Believe it or not, every person in the world thinks that there is someone better than them, even your favourite movie stars, sportsperson, or other celebrities. You cannot control the thoughts that occur naturally to you. Instead of fighting them, allow yourself to feel them and try to lessen their influence on your behaviour and personality.

6. Nobody is perfect:
The ultimate mantra to a good and happy life is remembering that nobody in the world is perfect. Even the people who judge you are self-conscious about themselves, but they try to hide it by reflecting their insecurity on you. Therefore, do not compare yourself to them or pay heed to their opinion. Instead, focus on your goals and aim to be the best version of yourself.

Self-doubting can not only ruin your mental health but also invite unnecessary health problems that can cost you a fortune. These situations will only add to your worries and make you feel emotionally drained out. Hence, doing what makes you genuinely happy is essential for a healthier lifestyle. Having insurance for your aid is also a crucial parameter for improved living. Invest in Magma HDI’s affordable health insurance plans to boost your confidence, add value to your life and make you happy from within.

Click HERE to know more about affordable health insurance plans ideal for all your needs.

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

After working hard throughout the week and surviving hectic schedules, a break is exactly what you need. A bike trip is the perfect way to unwind from the bustling noises of the city.

Travelling to places with greenery and mountains sounds like a fantastic way to spend your weekend. However, we must keep the beauty of these places alive. You can support the environment and contribute to sustainable travel by including eco-friendly travel products in your journey.

Check out some of these environment-friendly products that are worth the investment.

1. Reusable water bottles:
Single-use plastic bottles are one of the most significant contributors to environmental degradation. Most of these plastics go to the oceans and harms aquatic life. You can reduce plastic consumption by carrying your reusable bottle instead of buying a new one at every stop.

2. Cloth bags:
Plastic has made its way into our daily lives and refuses to exit. From packing to discarding, we use plastic for everything. For an eco-friendly choice, consider canvas or cloth bags. If you wish to shop on the go, you can bring your cotton bag rather than using plastic ones.

3. Biodegradable toothbrushes:
You may think toothbrushes do not need to be made eco-friendly, but the handle and bristles are made of plastic. Nowadays, many brands have started producing toothbrushes made of natural materials.

4. Refillable coffee mug:
If you can carry a travel bottle, why not a mug for your coffee? There are many varieties and designs of reusable coffee mugs available in the market. So instead of buying coffee and leaving a trail of cups behind, you can simply refill your reusable cup.

5. Solar charger:
You may not always find a charging slot when you are on a bike trip. Solar chargers make sure your devices stay charged on the go, not only for collecting as many memories of your trip as possible but also for staying in touch with your family and friends back home. Solar chargers help you stay functional while simultaneously helping the environment.

6. Eco-friendly food containers:
Everybody gets hungry on the road. When packing your food, make sure to avoid plastic or styrofoam containers. It's also advisable to avoid using plastic ziplock bags. Instead, carry eco-friendly containers for your food.

7. Travel towel:
Always carry your own towels when travelling. You can use a microfiber towel that dries fast. This will reduce the need for new towels at hotels, thus reducing laundry and saving water.

Travelling to new places on your bike is a mesmerizing feeling. However, what’s even more amazing is preserving our environment to sustain the beauty of these destinations. By doing this, you'd be playing a crucial role as an environment safety volunteer by promoting a cleaner nature for future generations.

Also, you can only enjoy a trip to the fullest when you know you are protected under the hood of insurance coverage. Therefore, investing in 2 wheeler insurance is also an invaluable practice to follow to eliminate the stress of losing your bike and help you enjoy your trip more.

Browse through the best available 2 wheeler insurance plans for your bike HERE .

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.

Visiting new places and destinations is one of the most fulfilling life pleasures you can have. It brings a wave of fresh thoughts and experiences that you’d never receive at home. While some individuals prefer to travel alone, there are several advantages to travelling with companions.

But the downside of a large group journey is that it can often be a trip of regrets if you don't plan it correctly. In this post, we’ve talked about eight great tips for you to follow if you seek an excellent group travel experience.

1. Assign a trip leader:
Having a leader makes so many things so much easier. From planning the itinerary to the hotel bookings, having a single voice for the whole group avoids miscommunications and helps the planning process a lot easier.

2. Distribute the work:
One person can be in charge of logistics, while the other can coordinate for itinerary and other activities among group members. Make the final decision unanimously. This way, everything will be structured, and no one person will bear all the load. After all, it’s a group thing, right!

3. Figure out your finances:
We aren’t talking about tracking expenses; we’ll get to that later. Firstly, figure out the group’s budget for stays, transportation, and meals. By doing this, you can explore many options and packages within your budget.

4. Look for group discounts:
You can unlock a plethora of deals if you're travelling in groups. It’s a winning situation for both the service provider and you. Looking for a stay? Call up the hotel or homestay and ask for group discounts. Booking air tickets? Book for the whole group at once and avail cashback and discounts.

5. Split the expenses the correct way:
The inability to share expenditures can transform an incredible vacation into a tax audit in no time. Nowadays, applications are available on smartphones that allow you to manage the splits and contributions smartly.

6. Schedule some YOU Time:
Remember, you're not obliged to do everything with the group just because you're travelling together. Get out and explore what matters to you the most. Encourage others to practice it as well; it will release you from the tension of being together always and make up for an exciting dinner talk when everyone gets back together.

7. Communicate:
Make sure that everyone in the pact is aware of the entire itinerary. Ascertain that everyone is aware of the stay's location and name. Set up a group text or some other method of assuring that the group can communicate with each other at all times.

8. Not everyone can be happy:
With numerous personalities, there will always be some people who aren't entirely agreeing with others, no matter how hard you try. It’s okay. This is part of group travel and going through it is also an experience of its kind. Find a way to tackle the inconvenience unanimously.

Additional Tips:

• Get in touch with a travel agent to make arrangements easier.

• Try including the people in your group who make life better and not challenging.

• Keep your general insurance plans (travel) updated. Encourage other group members to have a general insurance plan which provides financial protection during the trip.

• Opt-out of the group activities that you don't like.

• It’s a vacation, not a group project. Ease out and relax.

You'll be able to appreciate that quality time together even more now that you know how to arrange a trip for the pact. Those unbroken moments of connection are priceless in today's close yet so far digital environment. Go out and Live!

Know more about the general insurance plans before you plan your next trip. Click HERE .

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

The recent surge in cyber-attacks on businesses indicates that no organization is exempted from the online threat. Even the IT industry, which is supposed to help other sectors be safe, is on the radar. No matter how top-notch your company's security software may be. The end-user of it is the employee, and their negligence could jeopardize the entire organization.

Recent studies have proven that more than 80% of cyber-attacks are caused by human errors and not the inefficiency of the security measure. As a result, the significance of cyber security training has grown exponentially. In this space, we will be discussing a few ways to educate your employees to be smart when it comes to online security.

1. Enlighten employees about the impact of cyber exploitation:
When educating employees, explaining the impact of a cyber-attack on the organization is the best move to start with. This includes shedding light on economic damage and loss of trust among consumers. Most workers are unaware of the risks of exposing the company's digital assets while being involved in activities like viewing work-related documents when connected to a public WiFi, discussing the security systems with people not associated with the organization, etc.

2. Make training mandatory for all the new employees:
Ensure that all critical aspects of cyber security are communicated to new employees to prevent potential cyber-attacks. Including data protection and internet usage guidelines in the employee handbook is advisable.
Demonstrating that your company values cybersecurity just as it does job functions and goals will establish a feeling of responsibility in them, and they will be cautious about the cyber threat from the beginning. Educating them over these matters is crucial.

3. Teaching them about password safety:
Passwords are required for accessing devices, authenticating accounts, and using any job software, platform, or tool. Because there is so much to memorize, many employees may choose general passwords that the hackers can readily decipher. Cybersecurity training should educate employees to grasp the significance of passwords. The company must promote encrypted passwords, and employees should be given proper training on the concepts of encryption and decryption.

4. Take advantage of cyber security training courses:
There are a lot of courses available online about cyber security. They take you through all the important Dos and Don'ts while using the internet. Encourage your employees to enrol in such programs and ask them to present the certificate of completion. You may even conduct in-house workshops and seminars regarding the same.

5. Update the training module and repeat the process:
Provide cyber security training regularly. Continuous training will enable you to include regulatory changes and knowledge about the most recent frauds into the training module. Staying up to date can make the difference between keeping your business safe and compromising it to fraudulent attacks.

Additional Tips:

• Organize seminars from cyber security professionals.

• Reward employees for their achievements and wise decisions regarding cyber security.

• Teach ethics to practice while working off-site.

• Teach the employees how to spot online scams.

• Secure your company against cyber-attacks by having public liability insurance as a protective cover for your data and information.

Employees having proper knowledge about cyber safety is a business's first line of defence because, as we said earlier, your company may have the most robust IT solutions. Still, your staff are the ones that operate and maintain those resources. Therefore, educating them with the proper understanding will improve what is frequently seen as the weak point in any security chain: people.

Click HERE to know more about how public liability insurance can protect your organization from cyber threats.

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.

Although you might have overlooked common errors and mistakes while driving on the city roads, you cannot be as careless in the ghat region. You might think it's cool to speed up and make drifts on your car at the bends, but this can be extremely dangerous.

No matter how experienced you are, you have to be extra cautious about driving in the ghat section. The driving conditions in the ghats are challenging due to steep bends and the poor visibility ahead that aggravate the situation differently in different seasons.

Following are some safety tips that might help driving in the ghats feel easier.

1. Don't overtake unnecessarily:
It is typical for an average driver to overtake slow vehicles (especially trucks and buses). However, unlike familiar roads, the front view from a driver's perspective is often restricted in the ghats, and the driver cannot see if there is an available space for them to overtake. Hence, it is suggested to wait till the vehicle in front moves ahead or gives you a signal to overtake it.

2. Stop only at a safe spot:
You might want to click photographs of the pleasant views of the ghats. It is not a good idea to stop on narrow turns and block the way for other vehicles. Hence, if you plan to halt, ensure that you pull over at a safe spot only. Keep your parking lights on when you are stopping. This will alarm the vehicles behind you and reduce the risks of accidents.

3. Use hand brakes if necessary:
Hand brakes are efficient during ghat journeys, where multiple halts may occur due to elevated roads and bends in the way. They are the best support you can get from your vehicle to prevent accidents due to the inefficiency of the standard braking. You will have to set a balanced rhythm between the acceleration and braking of your car.

4. Gear shifting around bends:
It is better to shift down to the second or third gear so that you can take turns at the ghat section with ease. Usually, drivers do not realize that they are in the fourth or fifth gear until they reach the bends, which brings their cars to a jerky halt. Therefore, it is better to change gears and drive slowly in advance so that you do not find a problem in making the turns.

With these tips in hand, you need not worry about driving at the ghat sections now. Although it can be tricky for new drivers, following standard road protocols and safety measures can prevent unfortunate events and heavy losses.

Another important safety tip to follow is getting personal accident insurance for you and your family. Get appropriate personal accident insurance to add an extra layer of protection. Once you follow these tips, you are all set to drive in the hills in peace.

Click HERE to know more about the best deals on personal accident insurance.

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

We assume that you're about to have your first martial arts lesson soon if you are reading this post. From physical fitness to mental toughness, martial arts require a few prerequisites before you start kicking those sandbags. So, here we have compiled a list of things you must know before your first class.

1. Learn about the various forms of martial arts:
Some of the most common ones are Taijutsu, Kung Fu, Taekwondo, Karate and Brazilian Jutsu. Before starting your martial arts lesson, decide which form you want to learn and train in.

2. Get a standard set by your coach:
Once you decide on your martial arts form, consult your coach, and get a training routine in place. This will help in ensuring consistency and improvement.

3. Get the required equipment:
You need to gear up before beginning your martial arts lessons. Each combat art requires a particular set of equipment necessary to protect you and your opponent throughout.

4. Get your nutrition on point:
Martial art is not an easy sport. It demands a dedicated diet plan and an intense workout regime. While you are training, you will be burning a massive amount of calories. You will also be putting an excessive amount of strain on your muscles, which will result in them getting damaged. So, to repair and strengthen them, it is essential to have a balanced diet with the optimum amount of protein.

5. Understand the art rather than just learning it:
Martial art is not just a form of fighting. It is about understanding your body and its limits. Moreover, it is about achieving inner peace and gaining insight into your true potential.

6. Be ready to bear the blows:
While learning how to defend yourself, you must also be prepared for some blows. There will be instances where you will get bruises, body aches, or even severe injuries. It is recommended to get an individual health insurance plan to safeguard yourself against medical worries.

7. Be there with an open mind:
While learning martial arts, do not compare it to other art forms. Instead, respect each art and understand that each form has its significance.

8. Learn to have self-control:
With learning martial arts, you will learn a great deal about fighting skills, and you will gain a more profound knowledge of the human body. However, you cannot use these powers on an average person. You must be responsible because this can be fatal for the other person.

9. Be a part of the community:
One of the best things you can do is build your connections with the coach and your fellow mates. Your coach and co-trainees will understand you better than anyone else and will support and motivate you throughout your learning journey.

10. Start your martial art class with a NEVER GIVE UP ATTITUDE:
The process can be challenging, but the results will always be worth it. Always keep a high spirit and move ahead to achieve your desired results.

Martial arts is a fantastic sport to play. Not only will it keep you fit, but it will also be a means for your self- defence. Make sure that you are consistent with your training and focus on one particular martial arts form. However, injuries will be a part of the progress. Therefore, we recommend you schedule regular health check-ups and sign-up for individual health insurance plans if you're aiming to excel in fierce sport-like martial arts. And most importantly, remember, the process will always be challenging, but the results will be worth every sweat and tear you wash away!

Get the best deals on health insurance HERE .

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

Are you going for a long holiday break? Or the winters are around the corner, and it’s just not your season to ride. Whatever the reason might be, there comes a time in every biker’s life where he has to store his two-wheeler for a while. The duration can be long or short, depending on the reason.

Bike storage might sound like just parking your bike in your garage and putting a cover over it until you use it. You can simply do that, but it can cost you a hefty price if certain factors are not considered. Properly storing your bike is crucial if you’re not operating it for a considerable duration. Here are a few tips that you can imply to keep your two-wheeled companion safe.

1. Give it a good wash:
The dust and dirt sitting on your bike’s body can ruin the metal over time. Make sure you wash it properly using an automobile shampoo and a sponge. After the wash, don't forget to dry it manually as soon as possible. If the water rests on the surface of your bike, that can be a problem too.

2. Lubricate the components:
Because of ever-changing atmospheric conditions, components like chains, cables, springs are susceptible to corrosion, especially when the bike is left motionless for an extended period. You can prevent rusting by lubricating the components with anti-corrosion solutions.

3. Let’s come to the battery:
If you are going to be around, you can start the bike at periodic intervals to retain the charge. If not, then removing the battery is the best option. And if you decide to remove it, keep it in a place where the temperature does not fluctuate.

4. Don't drain the fuel tank:
A full tank is required to keep moisture from accumulating on the tank walls. There are a lot of posts suggesting you need to drain off the tank before storage. But if you drain the tank, you need to layer the tank walls with fogging oil to prevent rust. So it is better to fill the tank up and add a fuel stabilizer to it.

5. Change the oil and replace the filter:
Old oil sitting in storage can damage engine components, making it unsuitable for vehicles that will be stored for more than a month. Change the oil and replace the filter after you've given the bike one last ride and filled up the petrol.

6. Check on your insurance:
Apart from physical preparation, it would be best to double-check your bike insurance. Check the expiration details and ensure it doesn't expire while in storage. Because you still want to be insured in case of theft or fire, it's not a good idea to cancel or let your motorbike insurance expire while it's not in use. Renew your bike insurance online even when you are away with just a few clicks. It’s quicker than topping up your fuel tank.

Additional Tips:

• Park the bike on the center stand.

• Use a good quality cover.

• Empty all the storage compartments.

• Choose a well-ventilated storage place.

• Ensure pest control of the parking area.

• Keep the tyre pressure in check. Ideally, fill the tyres up to 80%.

Whatever your motivation for storing your motorbike might be, how you prepare it for storage will significantly influence its performance in the future. If you're unsure of the duration of storing, it is preferable to over-prepare for storage. Also, consult with your mechanic to guide you in the right direction with more handy tips.

Click HERE to get the latest updates about the deals on bike insurance online.

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

Women taking over the world has defeated the dependency on others to get things done. Female drivers are just another example of this scenario as they are considered safer drivers than males.

However, the risks for women on the road are twice as compared; especially if you are a lady driving alone as you are exposed to many dangers. A female driver needs to be extra cautious to avoid undesirable events such as falling victim to hijacking, stalking, assault, or worse, murders. Here are a few tips to prevent from these situations happening and keep you driving safe.

1. Maintain your vehicle:

• Maintenance will assure you fewer chances of the vehicle breaking down midway through your journey.

• Get the car thoroughly checked before every long trip and in regular intervals for daily commute.

• Do not forget to keep an eye on the fuel indicator.

• Look out for unfamiliar noises of the car and get it checked from a reputed garage immediately.

2. Learn the basics:

• Acquire complete knowledge of the car, including its engine capacity, tyres, oil, and fuel capacity.

• Every female driver should know how to change a flat tyre, jumpstart the battery, clean up the carburettor, etc.

• Top up your oil, antifreeze whenever needed.

3. On-road safety:

• Lock the car doors first as soon as you enter.

• Park the car in a settled area and check your backseat when you get in the vehicle.

• Do not interact with anyone on the road.

• Never offer a ride to strangers, especially when alone.

• Always inform at least one person from your circle about your trip details and plans.

• Avoid pulling over at dark and isolated places.

• Install a certified GPS device in the car and give access to your close people

4. Driving suggestions:

• Beware of easy distractions such as using your phone, loud music, zoning out, eating or drinking. You need to keep your eyes on the road and stay alert while driving.

• When required to stop, make sure to turn on the flashers and then pull over slowly.

• Flashers should be on in case of breakdowns, illegal parking, tyre change, lousy weather or slowing down to exit.

• If you notice someone following your car, drive to the closest police station to get help.

• Honk your horn only in critical situations like blind turns, warning someone, to avoid collisions or possibly dangerous circumstances.

• Maintain a distance of at least 8-10 feet from every vehicle ahead of you.

5. Insure your vehicle:

• Refrain from driving without car insurance.

• Insurance can serve as a support aid when caught in unfortunate situations such as road accidents, breakage, etc.

• The insurance company will also track down your location and reach there in emergencies.

• Keep your car insurance up to date. Car insurance renewal is requisite when it is about to expire or expired.

Driving alone is not always scary and of insecurity. Yet, women have to take precautions to ignore indulging in misfortunate events and be their own protector. Increase your safety while driving by being alert, paying attention to your surroundings, keeping your car maintained, car insurance renewal before expiry, follow driving instructions and so on. We hope that these tips will add to your security and keep you guarded when driving around alone.

Click HERE to know more about car insurance assistance.

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.

Today, climate change is a severe concern. According to a survey published by IQAir, India now has 22 of the 30 most polluted cities globally, which is alarming! Nations around the globe are researching to find environmentally friendly alternatives for everything that feed on fossil fuels. India, too, has set a goal of reaching zero greenhouse emissions by the year 2050. For that, the country is exploring electric mobility solutions that will cut down severely on greenhouse emissions.

When we talk about the electric mobility of the country, its primary segment is the electric scooters. According to nationwide surveys, the market of e-scooters in India will grow by 25-30% by the year 2030. Reasons for these impressive figures are the constant hikes in fuel prices and also the rising pollution levels. Thus, E-scooters are the next big thing in India, making them flash in the headlines in India.

We've seen plenty of new businesses competing for professional status in the electric scooter sector in the recent past. Their advantages reflect their focus on newer technologies, cutting-edge designs, accessibility, and practicality. However, more encouraging is the arrival of international electric two-wheeler powerhouses in the Indian market.

The Indian government recognises the importance of environmental sustainability and renewable energy. It has launched programmes such as 'Switch Delhi' and 'Go electric' to encourage citizens to use electric vehicles. Below, in brief, we've discussed the pros of e-scooters and why you should think of getting one in future.

Environmentally friendly: Electric scooters are ecologically friendly since they reduce the emission of harmful greenhouse gases such as CO2. Every time you ride an electric bike, you're contributing towards a cleaner environment.

Pocket friendly: If you use an e-bike instead of a traditional motorbike, you will save huge money in the long term. Petrol and gasoline are expensive in most nations, and price increases can significantly affect your budget. With e-bikes, you can purchase low-cost batteries that can go 18-50 miles on a single charge.

*Quick math – an e-scooter consumes around 250 watts of power for 20 minutes of driving. Because the cost of electric power per unit (1000 watts running continuously for an hour) is Rs 5, it is evident that electric scooters are reasonably affordable.

Low maintenance cost: You no longer have to be concerned about the upkeep of your scooter. Because of the electric engine, you don't have to spend extra money on time-consuming activities like oil changes, filter cleaning, and gasoline, typically with standard two-wheelers.

Financial incentives: Indian Government provides tax benefits to owners of electric vehicles. Loans are also made accessible at cheaper interest rates, encouraging more people to buy e-scooter. In addition, the Department of Heavy Industries recently revised the 2019 Faster Adoption and Manufacturing of Hybrid and Electric Vehicles (FAME-II) initiative to provide 50% more incentives for the electric scooters sector.

Easy to the Ears: In India, noise pollution has long exceeded permitted limits and has become a severe problem, particularly in metropolitan areas. Switching to an e-scooter can help with health issues, including anxiety, tension, and headaches, as they are almost silent due to the absence of disturbing noises of combustion engines.

Pat yourself on the back if you're planning to go for an electric vehicle or use one already. The future is certainly electric, and not only you're part of it, but you're also helping this world become greener. While you contribute to our mother earth's safety, protect your e-scooter by getting 2 wheeler insurance online for it. If you're planning to buy a scooter, then GO GREEN...GO ELECTRIC!

Click HERE to get the best 2 wheeler insurance online.

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

We love the monsoon for bringing down the temperatures and making us fall in love with books, coffee, and comforters. However, with the pleasant rain comes floods, water-logging, and much more. And all over again, the monsoon season never fails to surprise us with the amount of damage it does to our vehicles.

The lengthy bills from your car service centre for rusting, complete breakdown, and other damage to your vehicle remind you of your car insurance renewal.

Please remember your car needs some special attention post monsoon time. So here we bring some valuable tips to keep your vehicles safe and minimize the damage to your car.

1. Car Wash – a thorough cleaning: ‘Keep it clean!’ is probably the most ordinary and mundane advice anyone can give you for anything. But here, it is also the most effective. Nothing is better than a good clean-up of your car once the monsoon is over. Be sure to get rid of the leaves, mud, twigs, dirt, and other contaminants that could damage your vehicle. For example, if you have parked your car out in the open during the monsoon, you should get a proper car wash at a service centre to prevent the build-up of leaves and twigs that could potentially damage the paint on your vehicle.

2. Protect the Paint – keep it shining: The best way to keep your paint new as day one, even after these heavy downpours, is to use a protective paint layer, which separates the moisture and rain from the original colour on the surface of your car. For this, you can select from a wide range of quality protective products or opt for less expensive ceramic paint protective layer options. You can also go for a protective paint job at the workshop.

3. Electrical hazards – don’t get SHOCKED: Water and electricity can be dangerous together. So it is advisable to check all the wiring and electrical components of your car to avoid any short circuits. Get your car thoroughly checked for the wirings and any loose or open ends. Use electrical tape to fix them or call a mechanic.

4. Drive Slow – stay safe: Though this one is for all seasons, you need to be extra careful on the road after monsoons. There are potholes everywhere, and the quality of the road is even more aggravated. Drive cautiously, don’t attempt to be reckless as it may cost you badly.

5. Car insurance – safeguard your finances: Relying on your car insurance will help you recover and repair the significant damages to your car if it requires a visit to a workshop for the post-monsoon repair service. Car insurances are financial saviours, and it is your responsibility to avoid delays in your car insurance renewal.

Now you know these must-dos to keep your car clean and in good shape after the monsoon departs. It is always a good practice to get a post-monsoon servicing done to ensure that all the parts of your car are correctly functioning.

To know more about the car insurance add-ons that will be beneficial this monsoon, click HERE...

Some foods might delight your taste buds but can cause discomfort in your stomach. Overeating or eating something that does not agree with your stomach can cause indigestion.

Indigestion is a common health problem. Most people take medications because they do not believe in home remedies. While medications can provide quick relief, home remedies are suitable for your overall health in the long run.

Here we have a list of easy home remedies to calm your upset stomach with zero side effects and the best relief.

1. Peppermint tea:
Peppermint is not just a refreshing flavour for candies, chewing gum and mouth fresheners. It has antispasmodic qualities, making it an excellent ingredient for relieving stomach problems like nausea and indigestion. You could easily add peppermint to your diet by drinking peppermint tea after meals and sucking on peppermint candies when you experience symptoms.

2. Water:
Of course, you already drink water throughout the day. However, sometimes people can forget to drink the adequate amount required by the body. Water is essential for the digestion process and absorption of the nutrients in the food and beverages you consume. Being dehydrated can reduce the effects of digestion by facilitating the incomplete breakdown of complex food particles.

3. Baking soda:
Indigestion occurs when the acid level in your stomach increases. Baking soda has neutralizing properties, which relieve the effects of acid instantly. Baking soda is cheap and can be consumed by mixing with water or honey and lemon.

4. Chamomile tea:
A cup of chamomile tea can fix gut discomfort and indigestion by reducing the number of acids in the gastrointestinal tract. The herb also has anti-inflammatory properties that help ease the pain. Chamomile tea is also a popular choice for calming anxiety.

5. Avoid lying down:
Parents often tell us not to lie down immediately after eating, and now we understand why. Lying down after eating allows the food to travel back upwards, which causes heartburn. Avoid lying down for at least an hour after eating. If you must lie down, elevate your head, neck, and chest with pillows at a 30-degree angle.

6. Apple cider vinegar:
There are uncountable benefits of apple cider vinegar, ranging from skincare to weight loss and relieving indigestion is one of them. Insufficient amounts of acid can also trigger indigestion. The acidic properties of the ingredient increase your body's production of acids. Raw, organic, and unfiltered apple cider vinegar works best for indigestion.

7. Ginger:
Ginger has long been famous for its curative properties. It contains properties that can relieve the contractions in your stomach during indigestion by moving the responsible foods from the stomach much quicker. Ginger can be added to various savoury items as a spice and be used in desserts. For a quick ginger remedy, you could make ginger tea whenever you feel the symptoms.

By following the above remedies, you can manage your indigestion at home without heavy doses of medicines. These home remedies are scientifically proven to improve your condition. However, besides these, you may even count on insurance coverage to secure your health against other diseases. Choosing a good health insurance policy for family will act as a safety net for everyone at home. Purchase one today to enjoy the seamless benefits of the coverage.

Click HERE to know more about the health insurance policy for family that can be your financial saver.

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

India is a global capital for housing millennials, as almost 34% of its population is GenY. Powered by advanced technology, data, to be more precise, millennials consume a large amount of data each day. No wonder they are recognised as the most data-driven generation.

Because they grew up online, the idea of getting things done from smartphones appeal to millennials' tech-savvy attitude. Rightly so, as it involves a lot less effort. The fact that millennials (and the great majority of customers) are accustomed to doing nearly all of their daily transactions online makes sense to purchase online health insurance.

In this space, we will talk about why this data-hungry generation prefers to go for online health insurance purchases and why you should too.

1. Lower cost: Millennials are identified as frugal shoppers as they believe in cost-effective purchases. They typically choose to follow their instincts and value the price over recommendations. Buying insurance offline involves a cost consisting of the paperwork, the commission of intermediaries, and the transportation cost to make the sale. These variables being absent for online health insurance reduce the premium cost immediately. There is even a chance of getting a lower premium that adds to the savings in some circumstances. And all this attracts millennials; after all, they love smart investments.

2. Ease in comparison: While purchasing health insurance online, you can compare several insurance plans from different company side by side, either by yourself or using dedicated comparison tools. It can help you look at the pros and cons of an insurance company and select the best for you. This ease in comparison is almost impossible while making an offline purchase. This speeds up the overall buying experience and matches this generation's demand for online convenience.

3. Customer reviews and testimonials: On purchasing online health insurance, users have an option to leave feedback on their experiences. These reviews are available on the insurance company's website, their social media pages and other third-party review websites. These reviews help to ascertain your decision for the best insurance plan for you. Millennials never overlook the reviews section; sometimes, that's the turning point in finalising or rejecting a purchase for them.

4. Time saving and DIY: Time is money, and millennials have a reputation for spending an average of two minutes looking for product information and making decisions. Moreover, they want to control their decision and follow their D.I.Y. style. Once convinced, they prefer to finish the entire procedure in a few minutes and get an instant digital copy of the insurance papers. They are more comfortable with online health insurance where neither the insurance company nor the intermediary agent is visited.

5. Online insurance calculators: Online premium calculators are available on the websites of majority of health insurance providers. It makes it simple for clients to assess a plan's premium based on their specific needs before purchasing. In addition, these calculators offer highly accurate estimates. Millennials believe in cost-saving even as much as they look for other features from their policy like add-ons and NCB (No Claim Bonus). Nothing beats a good policy with all the features and a low premium. These online calculators justify the needs of millennials to a great extent.

What does all this tell us about millennials' inclination towards online health insurance? As you can see, this generation is more likely to use the internet for their insurance-related purchases than average consumers. So whether you're a millennial, Gen Z, or a baby boomer, online health insurance is here to evolve and to provide convenient and attractive policy advantages. It's time for others to start exploring online health insurance options too.

Click HERE to buy the best online health insurance for you and your loved ones…

Buying a two-wheeler insurance requires investment of time as the long and complex policy document in small font might look tiresome and time-consuming to read. Most people overlook those crucial details and rely on their life insurance agent while purchasing a policy. You need to be aware of the hidden charges that ridiculously drive up your insurance bill, as your agent might not explain everything you should be knowing.

A few adjustments here and there in your two-wheeler insurance policy might not seem like a big deal to you, but trust us, those will help you save a considerable sum that stays with you over time.

So, here are a few two-wheeler insurances hidden costs you should always pay attention to.

1. Paperwork fees:If you are not opting for 2 wheeler insurance online and instead buying your insurance physically through cheque, you are certainly paying a higher premium. Your insurance company charges you a couple of hundred rupees for the paperwork. Also, the company will not bear the postage cost and handling of all that paperwork; they will undoubtedly pass those expenses on to you. In an online policy, your insurance providers will reward you by waving off extra charges for choosing to go paperless, setting up automatic payments, and paying your premiums online.

2. Avoid monthly payment: When it comes to your 2 wheeler insurance, the payment interval is equally important as the mode of payment. If you pay a monthly insurance premium, the company charges you for specific "processing fees" and "administrative costs" each time you pay. The "instalment fees" will cover all these expenses. Like most businesses, insurance companies also would like to collect their money first. So they encourage you to consider paying upfront, and for that, they offer you some rewards. Therefore, if you decide to pay quarterly (four times each year) or semi-annually (two times a year), you will notice that you have saved considerably on your premium. Of course, if you pay annually or pay-in-full, the offers are even better.

3. Cancellation fees: If you decide to withdraw your policy within 14 days of the cooling-off period, you will have to pay a small fee to the insurance company for the paperwork. What if you cancel your policy post completion of 14 days? Unfortunately, it'll cost you an even bigger fee for the days your insurance company has insured your 2 wheeler. These fees range from zero to thousands of rupees or even more. It takes administrative efforts to cancel your policy, so these efforts justify the cancellation fee.

Other fees include replacing paper documents or fines for providing inaccurate information to insurance companies when getting a quote. Yes, that's the fact that most of us are not aware of. Therefore, make sure that you provide the correct information while applying for a policy.

Did you also get promotional emails and phone calls for the cheapest 2 wheeler insurance online? Don't get fooled by these fabricated illusions of these promotional offers; instead, be a smart buyer to make intelligent purchases. You can often save a significant amount by moving online and paying annually.

Click HERE to get a quote for your 2 wheeler insurance now…

Have you got stuck in heavy traffic again? Guess who'll make the riding experience smooth and convenient by sliding through traffic? Your two-wheeler, of course!

For all the experiences you plan to rejoice in with your two-wheeler, there is a bit of practical advice – as a responsible owner, you should carry a valid insurance policy. But many people doubt that choosing an insurance policy is a daunting task and is expensive. So in this article, we'll tell you more about the myths and facts you should know about your 2 wheeler insurance policy.

Myths get a huge living space in India as false information and rumours always travel faster than light. So let's first have a look at some common myths about 2 wheeler insurance.

1. Choosing an insurance policy is a difficult task: Choosing an appropriate policy is confusing, full of hassles and a tedious task.

2. Insurance is expensive: Insurance is only going to cost money and would not be worth it. This is instead a very common thought every customer has when buying Insurance.

3. Third-party cover is sufficient for two-wheelers: Third-party cover will provide complete coverage for bikes. In case your bike is old, it does not need an insurance policy.

4. Insurance premium depends merely on credit score: The credit score of the owner is the only factor that determines the premium for your chosen policy.

5. An insurance policy covers all damages caused: The insurance policy is enough to cover all costs of damages despite the cause behind it. Your policy will pay you regardless of any terms and conditions.

Usually, facts get lost somewhere in the chaos of myths, but no worries, we'll present them before you.

1. Selecting an insurance policy is no fuss at all: With the assistance of professional insurance companies and their customer services, choosing and buying the right insurance is as easy as buying anything else. You can purchase the insurance right from your couch without even visiting the company.

2. Insurance is not expensive if chosen correctly: Nowadays, customers can choose from many options and plans offered by various insurance companies and even compare them to select the right one. Not only that, you are free to go through every little detail of the policy to avoid unnecessary charges.

3. A proper two-wheeler insurance policy is necessary for your bike: Just having a third-party cover is not enough to secure your bike. It will only provide cover for the losses against third-party and never for your bike. Hence, going for a comprehensive cover is a wise choice.

4. Online is safe: There is absolutely nothing to fear when opting for 2 wheeler insurance online. You can find the most attractive deals and discounts online and even compare policies with smart comparison tools. Moreover, sharing your personal information such as your name, age, address with reputed insurance firms is safe and trustworthy.

5. Every policy has specific terms and conditions: For all the insurance policies, there are limitations on claiming coverage. For example, the insurer will not cover any cost if the mishap includes the drink and drive case.

Having good information about both myths and facts should help you get a clearer idea about a two-wheeler insurance policy. So be a responsible citizen, don't fall prey to any myths and choose a policy for your two-wheeler now by clicking HERE.

Building a property from scratch can be a time-taking and intimidating process. Whether commercial or private property, the construction cost can burn a hole in your pocket. This is precisely why property insurance becomes necessary to protect you, your family, and your assets from any unforeseen tragedies that might occur.

Property insurance provides cover for various misfortunes, including but not limited to fire, natural calamities, or robbery. However, choosing an insurance specific to your asset type is vital for the best coverage and benefits. This blog gives insight into the various types of property insurance available in the market based on your asset type.

1. Office insurance:
Office insurance is essential for all office premises, including public and private offices, call centres, etc. This insurance plan covers office owners against damages from unforeseen circumstances like fires, storms, lightning, hurricanes, cyclones, etc. This policy also covers other possible threats, such as the theft of office appliances.

2. Construction sites insurance:
Construction sites are places with a high probability of accidents. The misfortune of contractors is that the property remains their liability till the entire construction is completed and the property is handed over to someone. Whether it is due to bad weather or some water damage, it is a possibility that the building might collapse onto itself. It is essential to get construction site insurance to keep your assets secure against these occurrences.

3. Commercial insurance:
This insurance covers the policyholder from the losses incurred from destroying commercial properties such as warehouses, offices, factories, hotels, etc. Taking a suitable commercial insurance policy can be the best investment for business owners to safeguard themselves from the enormous losses faced by man-made or natural calamities.

4. Landlord insurance:
Landlord insurance is much like the homeowner’s insurance with one significant addition. The addition is the compensation of lost rental income, which is not covered by any other policy.

5. Renter’s insurance:
Tenants are usually in a dilemma regarding the safety of their belongings in rented accommodation. If their prized possessions are stolen, or there is some natural calamity that results in the tenant incurring losses, there is no way that the homeowner will pay for it.
So, the best option for tenants is to get insurance that covers all their belongings. Renter’s insurance is very similar to the homeowner insurance policy. One significant difference is, however, that this policy is exclusively meant to recover financial losses sustained by the policyholder if their belongings (can include clothes, jewellery, and appliances around the house) are damaged because of man-made or natural calamities.

6. Homeowners insurance:
Homeowners insurance or HOME INSURANCE is the most widely acquired type of property insurance. This is for a good reason. A home is a significant investment, and it is imperative to be secure against the various misfortunes that might befall it.

An appropriate home insurance covers all the financial losses the homeowner might incur in the event of any significant damage due to an accident or mishaps like burglary. Additionally, it also covers any possessions that have been destroyed in the mishap.

Our home is the greatest property asset, and safeguarding it from potential damages should be our primary objective. Having the most suitable home insurance is a surefire way of protecting from financial mishaps and adding the safety net of damage coverage.

Property insurance gives the property owner security and credibility, which is important for peace of mind and financial safety. Thoroughly researching the best insurance policy is essential to have the optimum coverage for your assets.

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.

Exploring the novelties and embarking on new adventures is what travelling is all about. From dingy roadside motels to premium five-star hotels, travel experiences make you more confident and better prepared for everything. To some people, it is a much-needed respite from the mundane routine of everyday life; for others, it is a way of life. Some people believe in setting aside a part of their earnings for annual family trips, while others earn to travel. Common among all these lifestyle choices is the desire to explore newness and the different versions of the planet.

There are multiple ways in which you can explore a city. You can accompany a tour group, walk around, and indulge in local life. But, in this article, we will discuss why public transport is the best way for you to enjoy your vacation.

1. Closer to the local life:
Cabs and rentals will ensure an easy commute, but if you want to indulge in the lifestyle of the locals, using public transport is a must. The locals frequently use public transport to carry out their day-to-day chores. Interacting with them will not only help you gain a better insight into the culture of the place, but it will also help you figure out where the untouched locations are. Many local restaurants and establishments are unexplored by the tourism industry. Local knowledge about these will help you explore the unexplored.

2. Cheaper:
People often complain about being scammed by taxi services and other car rentals. However, with public transport, you can avoid being scammed altogether. Since locals frequent this mode of transportation, they can't charge you extra. Some governments facilitate subsidised public transport rates, so the overall cost of your daily commute becomes considerably inexpensive.

3. Time to relax:
If you intend to book a car for yourself, be prepared to stress out about directions constantly. You might also be stuck in long traffic jams if you decide on exploring the city. Opt for public transport like trains to escape heavy traffic and the tiresome drive. During your commute, you can either look out of the window and enjoy the views or catch a nap before reaching your next location. This small break will help you be rejuvenated for the next part of your trip.

4. Personal health:
Public transport is a boon for you if you are a fitness enthusiast and cannot squeeze in the time for your workout in your jam-packed itinerary. Opting for public transport indicates that you will need to walk between stops, stations, or ports, depending upon the location and the type of transport. Not only does it prompt you to walk more, but it also helps you build an appetite so that you can eat more of the local cuisines guilt-free.

5. Responsible towards environment:
Public transport saves a considerable amount of fuel as compared to personal vehicles. The stark increase in carbon dioxide emissions has resulted in a rapid rise in global temperatures. Opting for public transport is a small contribution you can make to the environment and a better future.

These are a few reasons why public transport is the best option for you while travelling. Interact with the locals and explore the city's novelties while taking public transport. Remember that no trip is complete without travel insurance. Any risks you can incur during your vacation, including theft, financial losses, injuries, etc., will be taken care of by an insurance policy. To protect yourself and your family against such expenses, do not forget to buy insurance policy online. You can compare multiple policies, analyse their benefits and premiums, and choose from several online options.

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.

Building a property from zero is a daunting process. It takes time, effort, and a high budget to construct your dream home or your dream office. Despite all this hard work, there are times when misfortune strikes unexpectedly. It can be a short circuit caused by lightning, a storm, flood, or cyclone that might drown your premises.

You won’t want your property to fall prey to such casualties. Despite taking all precautions and looking after safety measures, still, you cannot avoid the probability of mishaps. As rightly said, we must always pray for the best but prepare for the worst.

So, it is wise to be smartly insured against any such happenings. A policy that covers most misfortunes, either natural or man-made, is the Fire and Special Perils Policy.

What is the fire and special perils policy?

A fire and special perils policy is a contract where the insurer secures you and your property from any damages that may occur due to natural calamities such as storms, cyclones, and resulting floods, lightning, or man-made perils such as riots, strikes, or malicious damages.

Even though adversities like these may not strike you as something you should pay immediate attention to, it’s best to get insured before the situation gets out of hand. This will give you and your loved ones some much-needed peace of mind.

Key features of this policy:

This policy usually covers several contingencies, including

1. Fire hazard: Your property and possessions are insured if a fire breaks out.

2. Lightning: If any damage is caused by lightning impact

3. Explosion/Implosion: Your property is insured against an unforeseen explosion. If the building collapses inwards due to the failure of a system, that is also insured within this policy.

4. Human hazards like riots, strikes, and malicious damage: In case of these man-made hazards, your possessions are insured against visible physical damage.

5. Natural calamities: No one can accurately predict precisely when a natural disaster will occur. So, it gives great peace when your property is secured against these unforeseen calamities like storms, cyclones, typhoons, tempests, etc. This policy also insures you and your loved ones against floods, and landslides, including repairing your property.

6. Accidental mishaps: The repair charges are covered in the rare chance of accidental damages like the bursting of an automatic sprinkler installation.

7. Missile testing operations

8. Groundworks and other excavations

Some of the add-ons you can opt for in this policy are

1. Debris removal

2. Destruction in the event of a forest fire

3. Loss of rent

Features that are not covered:

Knowing the pros and cons of each policy before purchasing it is essential. There are a few instances where this insurance policy does not cover damage and loss to your property. These are

1. Destruction and damage caused by wars, being invaded by a foreign entity, civil war, rebellions, or in the case of military or usurped power

2. Nuclear war and allied risks

3. Pollution and contamination

4. Damages incurred due to volcanic eruptions or earthquakes

5. Damages incurred due to the loss of unclaimed precious stones or works of art

6. Acts of terrorism or militant activities

It takes a lifetime to build assets like property, so it doesn’t come as a surprise that one would want to get it insured against unforeseen misfortunes. The Fire and special perils policy are one of the most popular insurance policies chosen by homeowners, SME’s and big corporations alike. This holistic plan can protect you and your loved ones and also comes with a lot of flexibility.

You may even invest in the best HOME INSURANCE IN INDIA to protect the content of your home from incidents like theft or damage to the building. Investments that reap fruitful outcomes go a long way in safeguarding your dreams.

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.

In modern times, uncertainty has become a part and parcel of life. You can take as many precautions as possible but certain unwanted situations can always take place. These situations can be related to your health, your life, or your possessions like car, mobile, house etc. Due to any man-made situations or natural disasters, you can suffer losses on various accounts. In such situations, an insurance policy is something that can reimburse you for the losses suffered to a great extent and reduce the monetary damage.

Although insurance policies cannot prevent the happening of any unfortunate incident, they can help minimize losses suffered due to such incidents. Irrespective of the fact whether you decide to Buy Insurance Policy Online or offline, having an active insurance policy is a must.

Insurance policies are available in various types and categories. The two main categories are life policies and non-life policies. The life policies are the ones that deal with ‘life’ of an individual. On the other hand, the non-life policies are the ones which deal with all other types of mishaps that can occur. These non-life policies are also called general insurance policies.

What are the different types of general insurance policies?

Following are the different types of general insurance policies that are available, whether you buy insurance policy online or offline: -

• Health insurance covers all the expenses related to a person’s health when he/she gets hospitalized due to problems like any illness or any accident. It also covers situations like an annual health checkup, daycare procedure, psychiatric support and other health-related situations. Specific extensions of these insurance policies cover critical illness, maternity-related situations and organ donation. The premium of a health insurance policy is based on the individual’s age, history of the health, any genetic disorders and other cases like that.
• Travel insurance losses suffered while travelling to domestic or international locations are covered by the travel insurance policy. Situations like loss of baggage or passport, hijacking, medical expenses and other travel-related situations that require settlement are covered. Any accidental deaths caused during the travel are also compensated by the insurance policy. Some insurance companies also allow the travel insurance policy to be free of any deductibles. In this situation, the company covers all the expenses.
• Motor insurance has further two types of policies that involve comprehensive and third-party policies. The third-party policy involves the settlement in situations that involve any damage caused to another vehicle or person by your vehicle. The accidental expenses caused by your vehicle are settled by the insurance company. Comprehensive policies also cover the damages caused to your vehicle. It is a policy which encompasses the features of third party policy in it.
• Marine insurance is useful in reimbursing of losses cause to goods that are being transported through cargo ships to national as well as international locations.
• Commercial insurance policies deal with the business-related insurances that involve loss of property, professional liability, marine damage and other such expenses.
• Home insurance the insurance covers the losses related to theft, fire, or other damages caused to your home.
• In case you are interested in buying a general policy, you can do so by contacting any insurance company, or you can even buy insurance policy online. The quotations will be provided to you in both online and offline cases. You can look at it and in case it suits you, you can purchase the respective insurance policy. You must make the premium payment on time to keep the policy active and enjoy its coverage. Any delay in the premium payment beyond the grace period would render the policy ineffective, exposing you to various liabilities and losses.

Traffic rules are meant for your safety, and there should be no arguments against why you should ensure to follow traffic rules while driving or walking on roads. Traffic rules help protect you on the road as well as everyone else driving on the same road. People should know about the basic traffic signs and rules that should be followed while driving any vehicle on roads. People driving bigger vehicles need to be extra careful because of the multiple blind spots that are created by the big size of the vehicle.

Moreover, someone behind any bigger vehicle should also understand that there is limited visibility of the driver, and they should not try to come in the way of such vehicles which can be dangerous for both parties. Prevention is always better than cure but in case any mishappening occurs due to mistakes from either side, there are insurance providers who provide personal accident insurance as well. You can buy Personal Accident Insurance Online from any reputed insurance provider after properly comparing the benefits of all the different policies that are provided by different insurance providers.

Need for following road traffic rules

Government statistics show that more than 400 road accidents occur in India almost every day due to the negligence of the people driving and walking on roads. In many of these accidents, people get injured and in most of them, there are deaths of people involved also while some may escape unhurt. But, if traffic violations had not taken place and people were following the road traffic signs properly, there is a very high chance that the number of accidents will be very less than the current rate of 400 accidents per day.

Such traffic crashes and accidents also affect the Gross Domestic Product of the country, and the impact can be as high as 3% of the GDP. The traffic signs put on roads by the government for the people work to ensure that order ensues on the roads and signs are followed by the people on the roads. These traffic signs if followed properly will greatly help in reducing the accidents that occur daily on Indian roads.

Misconceptions amongst the people are aggravating the problem

There is a large population of India that do not follow traffic rules and is habitual of violating the rules, either due to no knowledge of the signs or even due to some misconceptions. There is a long time misconception in Indian public that it is not necessary to follow traffic signals after 10 PM and you see people racing past signals after 10 PM. This is completely false but people still following such myths is also the reason for many high-speed accidents occurring at night on city roads. People also do not follow one-way road rules and come with their vehicles on the road from either direction. They believe that reversing their vehicle on a one-way road is correct even if they are walking in the opposite direction, but this is completely wrong. You can reverse your vehicle on a one-way road, but you should be moving in the direction in which the road allows movement. These were examples of some common misconceptions among the people in India but there are more, and these myths lead to an increase in accidents on the roads.

It is necessary to train the people what different traffic signs and signals mean and what you should do when you see one of these signs. Campaigns should be undertaken by the government to train people on how to drive their vehicles properly on the road without causing a nuisance to others. Additionally, one must purchase personal accident insurance online or offline, as preferable, to get protection in case of such incidents.

In these difficult and devastating times, we all want to keep ourselves protected from this deadly pandemic. The entire human race is praying to be safe and establish a Covid-free atmosphere in the world. But how can we make this happen? What measures can truly safeguard us from getting infected by this highly contagious disease?

1. MASK- A dependable shield

Wearing a proper mask should be our utmost priority whenever we move out of our houses or go to crowded places. Mask is the first wall of defence against the Coronavirus. The majority of the chances of getting infected are narrowed down if we wear appropriate masks suggested by our government and health authorities. But just wearing the masks is not sufficient; the mask should cover your face and nose properly. Only good quality masks should be used, cloth masks should be regularly washed, and use-and-throw masks should not be used more than twice. Masks should be handled only by using elastic strands. Avoid using masks that have filters installed on them, but use masks that are comfortable and easy to breathe. Remember, Mask ON....Life ON!

2. Maintain a safe distance today to have a safer tomorrow

Another crucial and effective preventive measure is maintaining a social distance of at least six feet when you are around other people. Avoiding close contact with people can nullify the chances of getting infected to larger extents. Even when you are at home, it is recommended to avoid getting close to the sick person or with low immunity, especially aged members of your house. Today this physical distance is a necessity to ensure the safety of you and also the people around you.

3. Safety is in your HANDS. Literally!

Our hands touch many things and surfaces daily, which means they are massively exposed to the virus. Later these hands can act as a carrier and can make our bodies vulnerable to the infection. So, we must wash our hands regularly and properly. Hands should be either washed by using soap and water or using hand sanitizers with a minimum of 70% alcohol. Especially when you are in a public place, carry a sanitizer with you always and use it whenever you touch an unknown surface. Avoid touching your nose, eyes, face, and mouth with unclean hands. Also, maintain personal hygiene and even keep your surroundings disinfected.

4. Vaccine is a must

Responsibly participate in the vaccination drive and get yourself vaccinated with both the doses of the vaccine. Also, encourage others to get themselves vaccinated. The vaccine is a game-changer during these challenging times, so be responsible and take the shot whenever available.

5. Your Health, Your Priority

In this depressing environment, it is wise to understand that staying positive can flush all the negativity and restore happiness. Every human is a superhero during these crucial times. Together we all can do wonders, follow these guidelines, and realize the importance of Covid appropriate behaviour and be a life saviour.

Lastly, in this extreme situation, closely monitor your health for any unexpected changes in your body. Never underestimate any symptoms, stay alert and consult your doctor in case you feel something odd. It is suggested to have an appropriate 

health insurance 

policy that acts as a rescuer for immediate cashless hospitalization and huge Covid related hospital expenses. You can buy Health Insurance Online in a contactless manner from a trusted source to ensure your health cover.

Let's make this difficult period a little lighter, both emotionally and mentally, and win this battle.

Amidst this pandemic, the human race is praying desperately for the cure. After so many efforts, we are finally blessed to have a vaccine now. It is indeed significant that it could be made in such a short period; all credit to our advanced medical researchers.

Want to get the COVID-19 vaccine? Please check this step-wise procedure.

The first step to get vaccinated is to register yourself on the CoWin portal and get an appointment for the first dose of the vaccine. CoWin is a trusted platform designed by the government, which runs both independently and also on the Arogya Setu app. Avoid using any other portal or application for registering yourself as a lot of fraudulent portals are being run to fool people. Know exactly where the vaccine drives are rolling in your vicinity.

Also, it is important to know the difference between various doses, their side effects, and which one is suitable for you to take. Do this with the help of a physician or a doctor before taking your shot of vaccine.

Setting up your mind to get vaccinated without getting afraid is important. Vaccination is nothing but immunization!

What is to be done before getting vaccinated?

Register yourself on the government-suggested website and get an appointment for a particular day. As your day of vaccination is close, take adequate rest. Have enough sleep of 7-8 hours and avoid exhausting yourself. Also, if you are on some other medication or if you are on steroids or any immunosuppression, then consult your doctor.

For the safer side, if you feel any symptoms like cough, fever, cold, sore throat, etc. on or before the day of vaccination, then seek medical help. Consume a balanced diet to boost your immune system and to maintain your energy level. Stay hydrated, it is the key to stay calm inside out.

What to do when ‘it is the day’?

On the day of your shot, do a safety check. Ensure you are wearing a proper face mask and sanitize your hands properly. If possible, wear hand gloves too to maintain zero contact. Foremost, wear loose clothes when you are going to the vaccination centre because the vaccination spot is on the upper arm, giving easy access to the vaccinator.

The most important thing is to stay positive. Don't get anxious, take slow deep breaths. Think of a positive outcome – this shot is going to be a shield for you and others around you.

And, please carry your photo ID card mentioned in your appointment details for vaccination.

What are the steps taken after getting vaccinated?

The primary step is to monitor yourself. If there are any side effects, they will appear within 30 minutes after getting your vaccine shot. There are mild and common effects like swelling, redness on the arm, dizziness, headache, chills or mild fever, joint or muscle ache, etc. Remember that these side effects will subside within a few days.

If you feel severe symptoms like vomiting, fainting, allergic reactions, then seek medical help immediately. Avoid consuming painkillers or any other medication unless you consult a doctor about it.

The second dose is equally essential, so don't miss that. There should be a fair gap of 4-12 weeks between both the doses.

And most important of all is, even after getting vaccinated, don't stop taking precautions in day-to-day life. Continue wearing your masks, do sanitize properly and maintain social distancing.

Also, considering the risk pandemic brought, if you already don't have an existing health insurance, it is time to purchase a new 

health insurance plan

 .You can buy Health Insurance Online to get coverage to protect your family from sudden illnesses, hospitalization and medical expenses.

Let us be responsible, and let us all protect one another and help our community get through these pandemic hard times. Stay Safe, Get Vaccinated.

Disasters have many faces and can strike anytime, anywhere; they can be seen in the form of quakes, floods, gas leaks, explosions, etc. and one of the most commonly known faces of disaster is fire. Damage felt after a partial or full-blown fire mishap is quite painful and nearly unrecoverable. However, if you have your house insured with ironclad insurance from a well-reputed fire insurance company, then your hassles can be reduced to a minimum.

A fire insurance policy plays an essential role in dealing with the losses and damages incurred due to fire. It is highly recommended to purchase fire insurance to safeguard your homes from any future calamity that a sudden fire or smoke can cause.

Here are some of the tips you can follow if you face damage from fire or smoke in your homes.

• Ask for an advance against your claim: -  Right after the house has been gutted to fire, you might be forced to evacuate the house, considering the dangerous situation because of the smoke. In this case, you are eligible to get an advance from your insurance company so that you can buy your daily essentials. Inform your insurance company and ask it to issue a cheque and bring it to wherever you are staying. It will help you in this dire need and will be enough for your survival until your claim gets accepted.
• Checking for the extent of losses: - Once the fire tragedy is controlled, the first act of the homeowner is to calculate or check for the damage extent of personal belongings and property loss in the fire. Once the total loss is measured and counted, it will be easier for you to negotiate with officials handling the claim process.
• Having your receipts documented: - After facing a disastrous house fire, you may be forced to live in a temporary dwelling like a hotel or guesthouse close to your vicinity. It would be ideal to secure all the receipts, document all the costs and expenses carefully. Once you receive the claim for the house fire, you may also get a compensated amount you incurred on your living expenses.
• Check bank statements if you don’t have a receipt: - People tend to be careless when it comes to saving receipts for every new thing that they buy. While we might save receipts of the electronic items for warranty or claiming a refund, it’s not easy to keep those long bills every time you go for grocery shopping. However, your every online transaction would bring a huge relief; hence look for credit card statements and bank statements to prove the value of items.
• Back up your vocal claims with evidence: - After the fire tragedy, some items are destroyed or damaged to such an extent that for the insurer, it could be challenging to identify for assigning the claim. So, as a responsible party, you ought to click as many pictures and shoot videos as possible of the damaged, smoked rooms to show the physical evidence of the actual damage before it gets wiped by a restoration company.

Fire insurance is a contractual agreement between the policyholder and the insurer wherein the insurer in return for consideration or premium agrees to indemnify the policyholder or the insured person for the financial loss that he/she may suffer due to destruction of or damage to property or goods by fire during a specific period. You can buy as well as renew a fire insurance policy in India by online as well as offline ways.

The purchase of fire insurance helps to cover the cost of replacement, repair or reconstruction of the property, but fire insurance is generally not valid in case of war, nuclear risk or any such similar peril. Buying fire insurance is always a good idea because your property is your investment and buying a fire insurance policy will help you recover the damage and loss caused due to fire on your property.

Most of the policies offered by the different insurance providers cover the physical damage caused to your property by the following perils: -

• Fire
• Lightning
• Riot and Strike
• Earthquake, wind and storm
• Explosion
• Smoke damage
• Sprinkler Damage
• Damage due to aircraft
• Bush fire
• Subsidence, rockslides or landslides
• Impact damage which may occur due to the impact of road vehicles or animals or rails.

There are various types of fire insurance policies that are available in India, depending on the coverage requirement of the individual. The type of fire insurance policy in India you may choose also depends on whether the asset which is being insured is a fixed asset or a non-fixed asset. Depending on the type of asset being insured, insurance providers have different types of fire insurance policies available. The types of policies for fixed assets such as homes are: -

• Replacement Value Policy - The asset which has been insured is replaced if it is damaged by fire wherein the insurance company pays the replacement value of the damaged property.
• Reinstatement Value Policy - This is almost similar to the Replacement Value Policy but with an added clause that the insurance company will replace the damaged property to its original condition before the occurrence of the peril. This policy applies to fixed assets like buildings.

There are many different types of policies for non-fixed assets, such as: -

• Specific Policy - This policy covers the loss up to a specific amount which is less than the real value of the property.
• Comprehensive Policy - Also called ‘All in One’ policy, this policy covers loss due to fire, theft, burglary as well as other third-party damages.
• Valued Policy - Under this policy, the insured person can recover a fixed amount which was agreed to at the time the policy was bought.
• Floating Policy - This policy covers loss due to fire to property belonging to the same person but at different places.
• Valuable Policy - The sum insured is not decided at the time of buying the policy but instead, the claim amount is calculated at the time of loss.
• Consequential Loss Policy - This policy covers the loss in profit caused due to disruption of the business by damage due to fire.

Buying a fire insurance policy for your house or your goods is always a good decision, but you must buy a policy which covers the risk that you face and understand the nature of the asset that you want to insure and then buy an insurance policy accordingly.

Fire and related events can cause very big losses, and they have become one of the biggest causes of losses in recent times. The damage due to fire can include non-movable assets like homes and buildings as well as movable assets like goods. To ensure you are protected against any unforeseen damage of your property by fire or any fire-related event, you can buy fire insurance for your property from any of the fire insurance companies in India. Fire insurance involves many things and some things must be taken care of while buying fire insurance or renewing your insurance so that you need to pay a lesser premium as well as while filing claims so that you get the best deals.

Things covered under fire insurance: -

Fire, explosion and implosion Lightning Damage due to aircraft Strikes and riots Rockslides and landslides Impact damage Malicious damage Bush fire Smoke damage Storm, typhoon Sprinkler damage Earthquake

Things which fire insurance companies in India do not cover: -

Perils like war, civil war, invasion and similar events Rebellion or Martial law and similar events Underground fires and losses due to that Spontaneous Combustion Losses due to pollution or contamination Theft related losses occurring during or after the fire Consequential losses

What should be the policy amount of your fire insurance?

In most cases, the total sum for which you are buying the fire insurance should be equal to the total cost needed to rebuild or reinstate the property and the professional fees involved along with the charges for the removal of debris.

What is the difference between Replacement Value Policy and Reinstatement Value Policy for Fixed Assets?

In Replacement Value Policy, the insurance company pays the cost of replacing the complete asset that has been damaged or lost due to fire and related events whereas in case of a Reinstatement Value Policy; the insurance company pays the cost to replace the damaged property to its original condition it was in before the loss due to fire. While Replacement Value Policy can apply to other assets, the Reinstatement Value Policy is only applicable to buildings and no other assets.

When buying a fire insurance policy from fire insurance companies in India, you must consider the following things:

The type of risk that the policy covers and if the risk covered by the policy matches the risk you face for your property. The nature of the asset you want to insure because there are different types of policies available for fixed assets and many other different types of policies available for non-fixed assets. Understand the coverage duration of your policy and when to renew the policy.

What information you should get from the fire insurance company while buying the policy?

Premium Payable The insurance cancellation and refund policy Period of coverage Scope of policy coverage Non-standard exclusions Claims reporting procedures

What things are considered to calculate the premium?

The insurer uses many different kinds of data to come up with a final number which you need to pay as premium annually:

The type of policy The type of risk or risks covered The total sum insured The total value of the asset being insured How the asset being insured is used by the owner of the asset The expected risks that can damage the property being insured Whether the person has taken a policy extension or not

How to claim if your asset is damaged?

You need to immediately contact your insurer as soon as your insured property is damaged. The insurer may appoint an independent loss adjuster to take care of your claim, and you will be required to fill a form to start the claim process. The insurer will undertake proper investigation and will then accept the claim if everything is fine.

Your car gets you safely everywhere you want to go, but it requires that you take good care of it in order for it to keep running. Some of these simple maintenance issues can actually result in an accident or injuries. Take the time to make sure these 10 things are checked regularly and maintained as needed and avoid a potential accident or claim.

Tip 1: Change the oil. Neglecting oil level checks and fresh oil changes will not do your car any favours.

Tip 2: Change the oil filter. Check the oil level once a month and replace the oil filter regularly.

Tip 3: Check your brake fluid. Check when transmission fluid and power steering fluid need to be replaced as well.

Tip 4: Check the tyre pressure each month. You should check your tyres regularly by ensuring that they are properly inflated and that the wheels are aligned. Not only will you get better mileage, but your tyres will last longer too.

Tip 5: Check the windscreen wipers. Make sure they are not damaged and are in a good working condition, as driving without proper visibility is dangerous.

Tip 6: Change the air filter. Keep your engine clean by regularly replacing the air filter.

Tip 7: Check the windscreen. Inspect the windscreen for small chips and scratches. These are reasonably cheap to repair, while replacing an entire windscreen is expensive.

Tip 8: Check your lights. This means indicator lights, hazard lights and headlights. Replace burnt out bulbs immediately.

Tip 9: Check the dashboard. Don't ignore the dashboard if there are flashing lights or the temperature gauge is suddenly extra hot. Stop as soon as it is safe and read the manual to make sure it is safe to drive further.

Tip 10: Protect the exterior of the car. A coat of good quality wax will ensure that your vehicle paint is protected. Apply the wax every six months.

Keep your car in good running condition and it will keep you safe and in control on the road. It takes a short amount of time to check these important functions, but can save money, fuel, and even lives in the long run. Make sure the functions of your car aren’t the only thing you’re checking. Get Car Insurance at the best price and protect your prized possession!

We all know that setting up a business and buying an asset takes a lot of time and toiling, it may be a car, your dream house or simply a household item.

For many, work and business is a doppelganger of their personal identity. Your office could have cash, valuables, goods and raw material, critical documents or intellectual property that in an event of a theft or burglary can leave you financially crippled. 

Here’s what we have figured out through our truth lens!

Even though the crime rate in India is on the decline, it is still quite high at 379 crimes per lakh of the population as per data from NCRB (2016). Most urban business complexes now have better security systems and more personnel on board; however, most perpetrators in cases of thefts are known to be familiar faces. This makes it imperative for businesses to add a layer of security with a comprehensive burglary and theft insurance plan.

For the sake of insurance, theft and burglary are two separate categories, where burglary, unlike a theft, also accounts for forcible/ violent entry and/or armed robbery that puts the people, place and other valuables at risk. 

Why is securing yourself against theft and burglary important?

A comprehensive protection plan can be purchased for your home, office, factory, warehouse, etc. The compensation from the insurer covers for any item that is stolen from the insured premises and also makes good any loss or damage caused to the premises on account of the said theft or burglary.

Any stock of goods, furniture, computers and electronics and other assets within the business premises are covered too. In fact Magma HDI’s Burglary Insurance Policy goes a step further and provides for reasonable coverage to clean up the premises and move any debris from the premises to the closest disposal site. It also reimburses for making good critical documents such as agreements and confidential business documents, on which sometimes the registration and stamp duty itself can run in to lakhs of rupees.

If you fear a repeated attempt at the theft or burglary, Magma HDI burglary policy also covers for the cost of temporary protection incurred for the safety of your employees and assets.

The first thing you need to do is to ensure that there are reasonable safety and security systems in place so as to minimize the risk. This will also have a direct impact on the insurance premium you will incur. The better your preparation, the lower the premium. The insurance will not cover for any loss arising out of an ‘inside job’ unless through forceful means.

Review your insurance requirements periodically, especially if you have different value of cash, goods/ raw material moving in and out of your office, new equipment/ machinery, critical R&D technology, etc. The value of your stocks and assets have a direct correlation to your premium.

The cost of insurance is a small price to pay for ensured business continuity, protecting your family and employees and securing your peace of mind.

Have you thought of your insurance claim getting rejected? Scary is’nt it?

Any individual taking an insurance policy would never think about their claim not being approved, but there have been numerous incidents of insurance claim rejection. Some of the reasons could be due to negligence on the part of the policyholder, but sometimes, it could also be because of choosing the wrong policy provider who looks for loopholes to avoid paying claims.

Claim settlement becomes especially important in the case of life insurance policy, where an entire family’s short-term sustenance may depend upon the claim amount.

What is Claim Settlement Ratio?

As the name suggests, the Claim Settlement Ratio is the number of claims the insurance provider has settled up until now. For instance, if the company has a claim settlement ratio of 80%, then that means that the particular company has settled 80 out of every 100 claims that were filed by policyholders.

Magma HDI has maintained an exceptional CSR of 94.1% in FY 17-18 compared to the industry average of 87.2%. With our convenient and efficient claim settlement process, we were able to ensure less than 30-day claim settlement for almost 87.17% of the total claims made in the year. 

Why is the claim settlement ratio important?

It is essential to consider every aspect so you can take an informed decision before picking the right insurance provider and signing the policy papers. This becomes particularly important when taking life insurance, as, in the event of your untimely device, you will leave behind a financial security cushion for your dependents to fall back on.

The Claim Settlement Ratio is an indication of the likelihood of the policy provider to pay the claim. Companies that have a higher claim settlement ratio are automatically trusted higher as compared to companies with a lower ratio.

Few reasons for claim rejection:

• Withholding critical information at the time of taking the policy can seriously impact the likelihood of your claim getting settled as it affects the risk assessment – Can be written as tell the truth always! no matter what
• Not understanding or being unaware of the company’s terms and conditions could lead to complications or incorrect/incomplete information that could then lead to rejection. Therefore, make sure you understand the clauses and use the free-look period to ensure that you’ve made the right selection
• Faltering during the claim filing process is one of the key reasons for claim rejection. Therefore, you must thoroughly follow the process before filing your claim

Now that you know all about the Claim Settlement Ratio and how it impacts your chances of claim settlement, you can make an informed decision and choose the right provider. 

It is hard to name a single businessman who hasn’t taken risks, but you will know many brave ones who trusted luck and risked everything. Truth be told, as a responsible business owner and citizen, one needs to be prepared with and Magma HDI Genaral Insurance Company offers a wide range of liability insurance policies that give you

1. Compensation for damage/loss of property or human injury

2. Covers your legal liabilities towards damage to any third party, along with the legal costs and expenses incurred by the insured.

3. It applies to both industrial and non-industrial establishments.

4. Compensation for damage/loss of property or a human injury caused due to defects in product manufacturing

5. Even after ensuring the highest quality standards and assessment parameters, a manufacturing defect in products is still possible and can cause mishaps.In such instances, Magma HDI Liability Insurance covers the liability to a third party.

6. Compensation for damage caused due to human negligence

Be it any professional– doctor, engineer or lawyer – involuntary errors and omissions could seriously impact their customers’ health, well-being, or financial stature. Liability insurance will take care of any liabilities that may arise due to negligence while executing your responsibilities.

Smart and trusted businesses quickly compensates loss or damage that might occur during the regular course of business as they are backed by their Liability Insurance policies and so can you CLICK HERE for buying Magma HDI’s liability insurance Policy.

Accidents happen. Sometimes due to negligence and sometimes due to sheer bad luck.

What if a customer slips and falls at your premise and breaks a bone? Or purchases an electrical device from you which causes a short circuit at their home resulting in a fire? In either of these incidents, as a business owner, you can be liable to compensate for the loss/damage to life, property and the legal fees a third party incurs.

An Example

A famous incident that highlights the need for public liability insurance is the 'hot coffee lawsuit' of 1992. The plaintiff, 79-year-old Ms Liebeck accidentally spilt hot coffee on her lap, (while in her car) purchased from a renowned fast-food retailers outlet. She spent eight days in the hospital because of third-degree burns, had to undergo a skin graft and two years of follow up treatment. Her attorney argued that the coffee served at 82-88 degrees was significantly hotter than what other outlets served (60 degrees) and was a burn hazard even if consumed immediately.

The jury initially awarded Ms Liebeck US$160,000 as compensation and coverage for medical expenses in addition to US$2.7 million in punitive damages. After a prolonged court battle and multiple appeals, the parties settled out-of-court in 1994 for an undisclosed amount, said to be under US$600,000.

Most businesses do not have the time, resources and deep pockets to weather such lawsuits.

Thus, every business needs to protect its interests and that's what a Public Liability Insurance can help them do. Here are six things you should know about Public Liability Insurance (PLI) in India:

1) Who needs it

Enterprises that regularly entertain the public such as restaurants, shops, educational institutes, sporting areas, etc. should get public liability insurance. It also applies to businesses that work in public spaces or private homes such as building contractors, electricians, etc.

2) Scope of coverage

The insurance covers the cost of damage/medical treatment and legal fees if any third party sues your business. This includes customers, vendors, and general members of the public excluding your staff (that comes under workers compensation).

3) Domicile of coverage

The coverage is not geographically restricted. It covers incidents at your premises or those at a customer/ clients location.

4) Cost

The cost of your PLI depends on the nature, size and scale of your business. Enterprises that deal with hazardous substances or have multiple outlets/ franchisees, etc. will have to pay more due to greater probability of a mishap.

5) Customizations

You can customize the coverage after assessing your needs. For example, a small café would probably need a considerably lower cover than a 5-star hotel complex. You may also choose add-ons for extra protection. For instance, the act of gods covers situations such as floods, lightning etc. which end up being frequent causes of dispute.

6) Legal Requirement

Even though businesses are not legally bound to opt for a PLI, certain lease agreements or trade associations make it binding on the lessee/partner to obtain the insurance. Many private parties too may not contract services to a business or tradesman without a PLI.

7) Exclusions

Like any other insurance policy, Public Liability Insurance In India is also subject to exclusions. Some common exclusions of insurance providers in India are- disputes related to pollution, slander, fines and penalties. Please refer to your plan's policy wordings for a better understanding of the same.

Many-a-times businesses fail to realize the damage to goodwill due to an incident is greater than the cost of financially alleviating the situation. To know how you can secure your business and do right by all stakeholders, have a look at what Magma HDI has to offer.

Connectivity has become the fourth pillar of our rations today. Each one of us, at least, own three gadgets, in which we store and share critical data. Whether it is business-related information or personal details, our gadgets hold a lot of information that, if leaked, could cause serious damage. Besides the implications of a security breach, these gadgets come at a high cost, and replacing a lost or stolen one may seriously burn a hole in the pocket.

Therefore, it’s prudent to secure your gadgets by taking Electronic Equipment Insurance (EEI). EEI extensively covers loss of electronic good, and subsequently, helps to meet unavoidable costs. Depending on the coverage that will be best suited for you, there are different types of EEI to choose from. Before we get into the different types, let’s take a true look at the scope of the cover.

What’s Covered?

• Damaged equipment coverage, including replacement expenses, such as freight, installation cost, customs duty, etc.
• Damaged data media coverage, including expenses incurred in restoring lost information, external data media, damaged/lost data media, etc.
• Increased cost of working, caused due to employing more manpower to substitute for the work that would have otherwise been done by the equipment.
• Any damage caused to the equipment’s software as a result of the damage to the hardware is also factored in.

Types of Electronic Equipment Insurance

All risks included

Give your gadgets complete protection from perils, including those caused by natural and man-made causes. For instance, damage due to natural calamities includes the ones caused by fire, landslide, or storm, whereas manual perils include terrorism, strikes, and riots.

External data media

This option covers the losses partly and includes expenses arising due to data loss on external media devices, such as hard discs, etc.

Increased cost of working

This type of EEI is usually taken by organizations that rely heavily on data processing units. In the event of any loss or damage to the unit, the expenses incurred to employ any additional/alternative tool or manpower, are covered by the insurance policy.

What are the types of electronic equipment that can be secured with EEI by Magma HDI?

Electronic Equipment Insurance is suitable for a range of equipment, including, but not limited to:

• Computer and allied peripherals
• Audio visual equipment
• Auxiliary equipment, such as voltage stabilizer, UPS, etc.
• Electronic control panels
• Navigation equipment
• Telecommunications equipment
• Electronic equipment used for research and testing materials
• Medical equipment, such as MRI scan machines, X-Ray machine, ultrasound devices, etc.

Who should take an EEI by Magma HDI?

Practically, anyone who owns and operates electronic equipment should secure their gadgets with an EEI.

• Owners and businesses owning electronic equipment
• Organizations that are involved in leasing electronic equipment
• Third-parties, such as financiers or bankers who ultimately bear the purchase cost of the equipment

While an Electronic Equipment Insurance secures your gadgets from multiple threats, note that there are certain cases, such as normal wear and tear that do not fall under the purview of the policy.

Insurance provides the safety net required to protect the financial integrity of your personal and professional needs. If you are in the business of sending or receiving physical goods from one destination to another, insuring your goods and business interests inevitably becomes your priority. 

Therefore, the simple answer to whether or not you need marine insurance is 'yes'. Read along to understand why that is so: 

What is marine insurance?

‘Marine’ insurance is a colloquially used term for any kind of transport insurance, not just restricted to waterways. Whether your cargo or goods are moving over land, railways, or a combination of multiple transport modes, marine insurance provides cover for any loss or damage to your goods while in transit from source to the point of delivery.

Marine insurance can be purchased by sellers, buyers, and even financiers of the goods. So, whether you’re a small trader, moving materials interstate or a manufacturer sourcing raw materials or a large import/export house, marine insurance can protect your stock against any unforeseen eventualities.

Why marine insurance?

Depending on the mode of transport, distance, size, and value, your cargo could take days or months to get from one point to another. In the interim period, your goods are at the risk of damage due to accidents, improper packaging/ storage, seepage of water, mishandling by personnel and natural disasters such as floods, fire, and storms. They could also be lost due to theft, piracy, or be lost at sea. The carrier, in most cases, cannot be held liable for any damage or loss either. Hence, it becomes imperative to opt for additional security.

All natural calamities and human errors can be covered by marine insurance. There are various types of policies such as valued, unvalued, floating, time, voyage, etc. that you can choose from basis your needs, irrespective of whether the cargo is moving for domestic trade or across international waters.

Magma HDI, for example, provides comprehensive coverage through its Marine Cargo Open Insurance Policy. Whether you are sending a small parcel via airmail or a huge consignment via cargo, Magma HDI has your peace of mind covered.

In some instances, taking marine insurance may be obligatory basis the terms of the shipping or business contract. This helps bring in clarity over service delivery and safeguards the interest of all parties. 

Alternatively, the insurance helps you gain a lot more control over the jurisdiction and language if in case the need for a claim arises. Imagine dealing with an insurer based out of Japan speaking a language alien to you while you are trying to get the information and paperwork through. It can be both time-consuming and exasperating.

In conclusion, marine insurance is extremely pocket-friendly. The premium depends on the value of the goods and the mode of transport. For a fraction of the cost of the shipment, you can secure your peace of mind. In case the need for a claim arises, a dependable insurer like us is just a phone call away.

With the continuous rise in international trade, the volume of marine cargo is also increasing. Marine cargo has always been and will be an important component of international trade. With more and more businesses opting to transport their goods through marine cargo, the market is on the rise for shipping companies. This increase in business also increases the importance of having a comprehensive marine cargo insurance policy.

Irrespective of the fact how simple you might think a marine cargo insurance policy is, several claims get rejected every year due to one reason or another. You must, therefore, immediately take the necessary steps to ensure that your insurance claim does not meet the same fate.

Here is a list of the events when your marine cargo insurance claim can get rejected and how you can avoid them.

• 1. Insurance policy is not proper: - Not all marine cargo insurance policies cover for all types of damages. This is why you must have a comprehensive marine cargo insurance policy. If your policy does not cover the damage for which you have filed a claim, your claim will get rejected. Moreover, any changes in the constitution of your assignment or cargo might also lead to this rejection. You must, therefore, review for policy periodically and get it updated as and when required.
• 2. Mistakes in filing the claim: - Whether you have failed to file your claim within the requisite period or have filled the claim form incorrectly or have filed a claim under a wrong policy, the marine insurance companies will not hesitate in rejecting your application. Even, if they do not dismiss the claim outright, they might delay it for many days. Therefore, you must give this responsibility to an expert who has successfully filed such claims in the past. 
• 3. Mishandling of goods: - If you have not packed the goods correctly or your personnel has been mishandling them, then the insurance claims filed thereon will be rejected by the insurer. You must, therefore, ensure proper packaging and careful handling of the goods on your vessel. 
• 4. Perishable Goods: - Even if your insurance policy specifies that losses suffered due to delays will be compensated, it does not cover damages caused to goods of perishable nature. You must, therefore, check with your insurance company if such goods are covered under the policy or not, before accepting them. 
• 5. Negligent Maintenance: - If you have not been paying attention to the maintenance of your vessel, marine insurance companies will certainly reject your claim. As your vessel will be plying in rough waters as well, so the chances of it suffering from damages are very high. These damages must be repaired as soon as possible to ensure the safety of the personnel as well as the cargo. You must, therefore, ensure that your vessel undergoes regular maintenance and follows safety and standard operating procedures. You should also keep a log of the repair and maintenance work carried out on the vessel, as it will help with your claim later on.

You must therefore carefully assess your needs, discuss them with your marine insurance company and only then subscribe to a comprehensive marine cargo insurance policy that caters to all your requirements.

Ocean shipping is one of the most cost-effective means to ship out your goods to international borders. If a business acquires large bulks of orders from foreign customers wherein there are no quick delivery protocols, then shipping goods by the sea is the most viable option. However, there are some demerits attached to this practical advantage. Shipping goods via sea or ocean floor depends highly on factors like; weather, human-error, technical issues, and etc.

The hazards of not comprehending such factors might lead to disasters or accidents in the ocean, which further adds monumental loss to both business owners and the environment. This can be easily averted if you plan and get hold of proper marine insurance to combat the risks of shipping. Some of the better-known dangers related to sea shipping and how insurance can help tackle them includes;

• The occurrence of natural calamities - Perils never comes knocking on doors; they strike on decks without a single warning. Thunderous sea-storms, cyclones or tsunamis can destroy well set stocks and lives of those sailing on carrier ships. We cannot challenge the force of nature but what we can do is opt for marine insurance online to cover the losses, injuries, or damage caused during such natural disasters.
• Human Errors - There are certain dangers caused by man that could lead to a disastrous situation. Having untrained ship sailors or workers who load and unload goods with negligence and carelessness might create rooms for few accidents to occur in transit.
  A reliable shield in the form of marine insurance to handle the mismanagement of shipping goods by workers would be a great help in such situations.
• Geographical Hazards - Apart from natural distress signs, there are other forms of dangers present at sea in the name of geography. Try remembering Titanic, an unsinkable ship that sank nevertheless by hitting a massive iceberg. Big cargo ships going through narrow canals, icebergs, rocky shores or shallow coral reefs can get caught on sides or bottom, hence creating unimagined losses.
  Mitigating such losses by having a rational marine insurance plan is one way, and another way is to have the ship properly tested for such hazards and assign a well trained, professional staff for commandeering the vessel.
• Technological Issues - Such issues are more or less related to the ship's structure, engineering equipment, navigational tools, or motor engines. If the boat starts leaking oil in the ocean or one of the propellers is jammed due to long years of service, it could sustain significant damage to the goods on board.
  To avoid such substantial financial losses; having a well-planned marine policy that can cover the ship's outer and inner structure after a thorough inspection is the right way to go.

Businesses work for profit and if your business requires delivering goods via sea or ocean, then why not keep yourself financially protected with a Marine Insurance cover and keep the profits intact.

Your car insurance comes with an annual premium, which helps you bear the financial losses that may arise due to an accident. While a claim-free year may seem like a waste of money since you paid the premiums but didn't really use the benefits, it's really not the case. Firstly, having insurance provides you with mental peace that in the case of any mishap, your finances will be covered. Secondly, your insurance provider offers you discounts on your next year's premium if don't make a claim in the previous year. This is what is known as a No-Claim Bonus (or NCB). Keep reading to find out more on how to maximize savings on your Private Car Insurance In India.

What should you know about NCB?

Car insurance companies reward vehicle owners who drive safely with no-claim bonuses. The bonus becomes applicable if you get through one policy year without making a claim. The company pays the discount on Own Damage (OD) premium for each claim-free year

Typically, the amount can vary from one insurer to another. But, discounts begin at 20% per year and can go up to 50% for five claim-free years or more.

How does NCB work?

When a policyholder does not file any claim in the past one year, a no-claim bonus is initiated by the insurer.

As a result of this, you’ll get a discount on your annual premium amount subject to increase with every succeeding year.

Things to remember about NCB in India

An essential feature of NCB is that it relates to the policyholder, not the vehicle as it rewards you for precautions taken on your end. So, you can retain your NCB even if you replace your existing vehicle. Other prominent features of a no-claim bonus are:

• Applies even when you switch the insurer

When you switch from one insurer to another, the no-claim bonus remains unaffected. For example, if you have a policy from company X for the last five years with no claims made and you shift to company Y later on, the company Y will give you a benefit of 50% discount on your annual premium as NCB.

• Bonus increases every year

The insurance companies calculate your no-claim bonus in the range of 20%-50% on an annual incremental basis.

• Doesn’t apply on third-party cover

Keep in mind that the no-claim bonus applies to the own damage or OD cover on your auto insurance. So, if you have only the third-party (TP) cover, you’re not eligible for NCB. However, if you have both OD and TP protection, you’ll receive the discount proportionately.

Protecting your NCB

As NCB policyholders, you are entitled to a maximum discount of 50% for five claim-free years. However, this discount expires if you make even a single claim. In such a case, to protect your NCB, insurers give you the option of opting for an add-on cover. It covers your claim in order to protect your NCB.

Another great hack to keep your NCB would be to avoid making claims for smaller damages.

Head over to Magma HDI to find out more about NCB available with your private car insurance in India.

Monsoons might not be the ideal time to drive around. The roads are slippery, and there are higher chances of meeting with an accident. However, the rainy season does not mean that you should stop driving altogether.

Instead, you should make sure that you follow some safety points to make sure that your driving experience is smooth and safe.

Here, we will look at some of the safety checkpoints that you should follow during monsoon. However, before we dwell on that, it is crucial to make sure that you get Car Insurance Online In India so that your car is covered in case of any unforeseen circumstances.

Fix those exhaust holes

Exhaust holes are made of iron, which means that they are vulnerable to rust. If there is a hole in your exhaust, then there are more chances for the rainwater to get in, besides the fact that a faulty exhaust is no food. Make sure that you have checked your exhaust for holes and other damages to ensure the smooth running of your car.

Cover your headlights

With time, your car headlights tend to develop spaces with them due to constant wear and tear. If they are damaged, then it is highly likely that the rainwater will get inside them, further leading to the damage. Make sure that you patch up these spaces so that your headlights are safe. Faulty headlights can lead to driving problems at night — something which no driver wants!

Check the door of your car

The doors in your car have a rubber attached to it. With constant usage, they may loosen up and make room for the raindrops to seep and ruin your interiors. To make sure that your interiors are as good as new, make sure to check on these doors now and then. If needed, replace them, as a repair might not be the easiest or the most convenient of ways.

Check your brakes

If you are driving around in rains, through clogged puddles, some water might just get deposited in your brake pads which can hinder the braking process and might lead to the deterioration of your brake pads. To get rid of the moisture, find a dry stretch of road and gently apply the brakes. The heat which comes out of friction will take the moisture away. If you find mud deposited on your pads, then go to a mechanic and get it clean. Remember that brakes are one of the most critical components of your car and you should always have them in good shape.

The way you treat your car is the way the car treats you. One cannot stress enough on the importance of taking care of vehicles. Magma HDI car insurance comes with affordable premium rates and features such as support for anti-theft devices, which can ensure that your car has a long and safe life.

Buying your first car can be a little overwhelming. You work persistently and save your hard-earned money aside to buy the vehicle of your choice. However, keeping your vehicle safe and secure is a necessary next step after your purchase. Accidents occur anytime and anywhere. Having a comprehensive car insurance policy to back up those damages is a wise decision to make.

These days, you may buy a car insurance policy online or by contacting a service agent at your convenience and get your vehicle insured. With a sound knowledge of car insurance policies, you can optimize your purchase and savour great benefits. Read along to have a better grasp of your first-time insurance purchase.

Purpose of Car Insurance

'Use it or lose it' is a common motto on which car insurance policy runs; to benefit from it, you need to pay a yearly premium. On the off chance that you are lucky enough not to have gone through a severe road mishap, you lose the premium sum paid for insurance. Then again, you get a No Claim Bonus, which is a quite significant sum beginning from 20% of the premium in the first year to 50% in the sixth, which is the reason why you shouldn't go for minor harms claim.

Different Covers under Policy Terms

A well-framed car insurance policy covers the damages due to natural disasters like earthquakes, floods, storms, typhoons, etc. Secondly, it includes the loss incurred due to manual disturbances like riots, theft, terrorist attacks, fires, etc. Thirdly, you as the insured can access the personal accident cover for your family if you die or suffer disability post-collision or mishap. Some company even offers benefits to co-passengers at the time of the accident. Your insurance policy covers the third-party liabilities like if you accidentally damage a third person's car or he dies of injuries due to collision, your insurer will protect you from legal repercussions.

Additional Benefits and Covers

One of the pluses of having a comprehensive car insurance policy is that you get various additional perks. It may raise the premium amounts a bit, but the level of your car's safety is maximized. Some of the add-ons can be;

• Windshield or car glass cover 
• Accident cover for a paid driver or unknown passenger
• Depreciation waiver
• Personal belongings damage/theft cover

Hiring an Insurance Advisor

During the brainstorming sessions of buying your first auto insurance, it is natural to get perplexed with different coverage benefits. A simple way to tackle that confusion is to get in touch with an insurance agent who is well versed with different company's policy premiums and covers. He can advise you along the way to look over your shortlisted insurers by comparing their proposed rates. He may also identify premium discounts for your first-time policy purchase.

Going for a comprehensive car insurance policy is prudent. It gives a well-rounded cover for your car. So, it's highly advisable to get in touch with your financial experts and buy a car insurance plan today.

Car insurance is a critical aspect of car ownership, providing financial protection in accidents, theft, or damage to your vehicle. However, the cost of car insurance can vary depending on several factors, including your driving history, car make and model, and age. Apart from this, location is also one of the most significant factors affecting car insurance premiums. Where you live plays a crucial role in determining the cost of your car insurance premium. The influence of location on car insurance is a complex issue that involves several factors. Insurance companies analyse these factors when determining your car insurance premium.

This blog post will explore how your location affects your premium so that you are aware of the correct policy before buying car insurance. Without any further delay, let's get started.

1. Crime rate
One of the most significant factors that can affect your car insurance premium is the crime rate in your area. Insurance companies consider areas with high crime rates a severe risk, as they have a higher incidence of car theft and vandalism. This increased risk means you may have to pay a higher premium if you live in an area with a high crime rate.

2. Population density
Another factor that can affect your car insurance premium is the population density of your area. Areas with high population densities have more traffic, which increases the likelihood of accidents. Therefore, if you live in an area with a high population density, you may have to pay higher car insurance premiums.

3. Weather conditions
The weather in your area can also affect your car insurance premium. Regions with harsh weather conditions, such as snow, ice, or heavy rainfall, have a higher risk of accidents. Therefore, if you live in an area with extreme weather conditions, you may have to pay higher car insurance premiums.

4. Road conditions
Poor road conditions, such as potholes or inadequate lighting, can also increase the risk of accidents. Insurance companies consider the road conditions in your area when setting your car insurance premium. If you live in a location with poor road conditions, you may have to pay higher car insurance premiums.

5. Laws and regulations
The laws and regulations in your area can also affect your car insurance premium. Some states have minimum coverage requirements, while others do not. If you live in a state with high minimum coverage requirements, you may have to pay higher car insurance premiums.

6. Local insurance market
Finally, the local insurance market can also affect your car insurance premium. Insurance companies may charge different rates in different areas based on the level of competition in the local insurance market.

Therefore, if you live in an area with a less competitive insurance market, you may have to pay higher car insurance premiums.

When setting your insurance rate, companies consider factors such as crime rates, population density, weather conditions, road conditions, laws and regulations, and the local insurance market. Therefore, it is essential to understand how your location can affect your car insurance premium to make informed decisions when choosing a car insurance policy. Explore and compare car insurance policies to find the right one that fits your needs optimally.

Click HERE to learn more about the benefits of purchasing car insurance

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

Do you travel a lot by road? Are you tired of waiting for your turn at toll plazas on the interstate highways or expressways? Do you wish to get done with it as quickly as possible? If yes, then you must get a FASTag! As the name suggests, a FASTag is a tag which is a mean to ensure faster transit across toll plazas. The tag is placed on the windshield of the car and uses Radio Frequency Identification Technology. The tag is scanned by the tag readers placed at toll booths who then deduct the toll amount from the FASTag account. All toll plazas placed along the national highways are now using FASTag for payment of toll as per the guidelines of the government of India.

As the balance in FASTag reduces, the user needs to reload the balance in the linked wallet account or the linked bank account. By eliminating the need for cash payments at toll plazas, FASTag ensures a quicker and smoother flow of traffic.

The following reasons highlight how using a FASTag can help you save time on your journey: -

● Quick payment - As there is a FASTag affixed to your car, you wouldn't have to search your wallet for cash which ultimately reduces the duration of the transaction and your time is saved.

● Less fuel wastag - As you do not need to stop and restart your vehicle, less petrol or diesel is burned, which saves your fuel tank from draining quickly.

● Hassle-free recharge- You can easily recharge your FASTag using various methods like Internet banking, mobile wallet apps, NEFT, RTGS or even your credit and debit cards.

● Message alerts - Every time your FASTag is used, you get an alert SMS on the mobile number registered with the card which ensures the prevention of its misuse.

● Long validity- A FASTag is valid for five years, which means you need not worry about changing it frequently.

● No requirement of cash - The work of cash is taken over by the FASTag. Therefore, it eliminates the necessity of carrying cash for toll payments.

● Online portals- You can check the transactions made using your FASTag whenever you wish using specific web portals meant for the same.

Now, onto some Frequently Asked Questions: -

How to get a FASTag?

To buy a FASTag, you can ask the toll plaza employee for their sales department, or contact authorized agencies or banks that sell them. Many platforms offer car insurance quotes online and sell FASTag as well.

How much does a FASTag cost?

Generally, a FASTag can cost you around two hundred rupees for the purchase, which excludes recharge expenses.

Where is it placed?

FASTags are affixed on the windshield of the car in a very specific manner that allows the scanners placed at the toll plaza to scan it.

How to know if your card has been used?

As stated in the above benefits, a text message is delivered to the registered mobile phone when the FASTag is used. This is a sort of confirmation to the owner that payment has been made.

Do you need to maintain a certain balance?

You don't need to maintain a balance for sure, but yes there is a minimum value for a top-up of the tag which amounts to a hundred rupees.

Where is a FASTag valid?

Throughout the country, a FASTag can be used to make payments at toll plazas regardless of the city or state.

While getting FASTag will help you zoom seamlessly on the highways, do remember to check car insurance quotes online to get protection against possible accidents and incidents while on the road.

Medical issues are being observed as a rising problem, mainly because of drastic lifestyle changes, improper nutrition, and irregular physical activities. The best way to tackle medical adversities is by prioritising your health and never neglecting the symptoms that your body throws at you. Most health conditions develop over time due to your habits, while some are even hereditary.

One common issue is swelling in the legs, feet, and ankles. There can be multiple reasons for swelling, including physical injuries, medicinal reactions or allergies, and underlying conditions like cholesterol, diabetes, etc. If you see a frequent swelling pattern in your legs for a month, seek medical help, as it may be something to worry about. Leg swelling happens for two main reasons - edema and inflammation.

Let's explore more about them.

Factors causing edema
Several factors contribute to edema or fluid buildup in one or both legs. Here we discuss some major factors that require immediate medical assistance.

1. Congestive heart failure
When the heart is too weak to pump blood to body parts, this condition is termed congestive heart failure. Such a reduction in blood supply leads to fluid buildup, especially in the legs. Besides swelling, a person may also experience trouble breathing and constant tiredness.

2. Veins
Two vein issues can cause leg swelling and other problems in the body. Those are:
● Clotting in veins: A blood clot can form in any vein in your leg, which can break off and easily travel to your lung. This can lead to a life-threatening situation if left unnoticed. Other than swelling, if you also experience constant leg pain, cramps, or red or blue skin, immediately visit your doctor, as these might be the symptoms of vein clots.
● Chronic venous insufficiency and varicose veins: A person suffers from these conditions when the valves inside the leg veins cannot maintain the blood flow up toward the heart. Instead, the blood gets collected in pools, resulting in varicose veins. Other than swelling, you may also experience achy legs, pain after sitting and standing for too long, and dry, irritated skin.
If you experience these problems, visit the doctor to start your treatment.

3. Reaction from certain medication
Not every medication suits our bodies. Some cause side effects such as swollen legs, hair fall, irregular menstrual cycles, etc. Pain in the legs can also be a symptom of a medicine reaction. Notice the change in your body and talk to the doctor about getting alternative medicines that have zero to minimal side effects.
Factors causing inflammation
Some of the common causes that lead to inflammation in our body are listed below:
1. Arthritis
Anyone can develop arthritis at some point in their life. Due to the constantly changing environment, it is open to older adults. Diseases like gout, knee bursitis, osteoarthritis, and rheumatoid arthritis are becoming more common among people of all ages as they ignore proper care of their bodies, diet, and physical well-being.

2. Sprains and broken bones
Getting broken bones or twisting your ankle also causes swelling. It's our body's natural reaction to the injury as it moves the fluid and white blood cells into the injured area and releases the chemicals that speed up recovery. Some of the common injuries are mentioned below:
● Achilles tendon rupture: It is our body's largest tendon, and it connects the calf muscles to the heel bone. When it tears, you might experience a sharp pain in the back of the ankle and lower leg. The pain is so intense that a person may be unable to walk. ● Cellulitis: It's a severe infection that happens when bacteria get in through the crack in the skin. It is most common in the lower leg and ankles. Other than swelling, a person may experience tenderness, pain, a reddish skin area, blisters, and dimpled skin.

These were a few common reasons for frequent swelling in the legs. Your legs must be in the best shape to ensure pain-free and smooth movement. Give proper rest to your legs, and indulge in 10-15 mins of daily exercise like jogging or brisk walking.

Irrespective of the medical issues, one should always visit the doctor to rule out any worst outcome. Undoubtedly, any treatment can cost you heavily to your pocket. Therefore, getting health insurance from the best health insurance company in India to cover your medical expenses is ideal. Such insurance policies can help you in your time of need.

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

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

A home is a place of comfort, protection, and security, but a fire breakout can rapidly turn it into dust. Various sources, including electrical failures, kitchen accidents, and malfunctioning appliances, can start fires. A fire breakout can be disastrous, causing significant damage to your property and personal items and possibly resulting in death. As a homeowner, you must take the essential precautions to prevent fires and safeguard the safety of your property and loved ones.

This blog discusses "expert's advice on preventing fire outbreaks at home." We'll review some of the best ways to protect your home from fire threats and the importance of obtaining the best home insurance in India. Following these suggestions and purchasing the appropriate house insurance coverage, you can protect your home from fire damage and enjoy peace of mind. So, without any delay, let's begin!

1. Install smoke alarms
Installing smoke alarms is one of the most effective strategies to avoid home fires. Smoke alarms detect smoke and notify you during a fire. This will help you to take the required precautions to prevent further damage. Install smoke alarms in each room and check and replace the batteries regularly.

2. Be careful of faulty appliances
Faulty appliances are one of the leading causes of home fires. Appliances must be handled with care and inspected regularly for flaws or damage. Always follow the manufacturer's instructions and use the appliances in accordance with their recommendations.

3. Check electrical wiring
Faulty electrical wiring is another major cause of home fires. Inspect your home's electrical wiring regularly for signs of wear and tear. Repair or replace any damaged wiring or electrical components immediately to avoid fire hazards.

4. Cook safely
Cooking mishaps are a significant cause of home fires. Practicing safe cooking skills and using caution when using the stove or oven is critical. Always keep combustible things away from the cooking area, and never leave the kitchen unattended when cooking.

5. Keep flammable objects away
Keeping flammable objects away from heat sources is critical to prevent home fires. Ensure that all flammable materials, such as cleaning solutions, paints, and petrol, are kept securely away from any heat source.

6. Have an emergency plan
Having an emergency plan can go a long way toward preventing home fires. Prepare an exit plan for a fire, and teach your family how to use fire extinguishers.

7. Obtain the best home insurance in India
The best home insurance in India is essential to protect your home from fire damage. A comprehensive house insurance policy covers fires, natural catastrophes, theft, and other unanticipated events. You get compensated for your loss and are relieved from financial stress due to the fire outbreak.

8. Conduct regular inspections
Inspecting your home for fire hazards regularly will assist in discovering potential threats and avoiding fire outbreaks. Periodically inspect your home, particularly the kitchen and electrical wiring, and take the required precautions to prevent fire threats. Install water sprinkler mechanisms, smoke detectors, and fire alarms to ensure safety against fire catastrophes.

Every homeowner is responsible for preventing fires in their homes. A fire breakout can be disastrous, causing significant damage to your life, property, and personal items. By following the expert's advice and taking the required precautions, you can ensure that your home is safe from fire threats and that you live in a secure atmosphere. In addition to these precautions, obtaining the best home insurance in India is necessary. A comprehensive house insurance policy covers fires, natural catastrophes, theft, and other unforeseen events, providing financial security and peace of mind. You can research alternatives and select the best home insurance in India to meet your requirements.

Click HERE to know more about how you can purchase the best home insurance in India and its benefits.

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

It is always necessary to change the engine oil timely to improve the performance and sustain the long life of your bike. However, many people ignore the importance of quality engine oil, which severely damages the engine and the bike's overall performance. Therefore, in this post, we'll discuss when you should change your bike's engine oil and why it is required to keep it in ideal condition.

When it is time to change the oil
To know when to change the bike's oil, you have many indicators that you need to keep an eye on. Your bike gives you several alerts indicating issues with the engine due to low oil levels or the need for replacement. You might hear weird sounds when giving ignition or revving your bike. Low oil level or poor quality oil can severely damage the engine and leave you to bear a massive repair and maintenance cost.

Below are some signs that will help you change the oil on time.

1. Read the manual
It might be possible that every bike has a different requirement when dealing with the engine. Read the bike manual to understand the guidelines and specific requirements for your bike. You can also learn about engine type, driving conditions, climate, etc.

2. Oil level
Check the oil level in your bike with the help of a dipstick. If you find the oil below the given level, you should look to change the oil.

3. Oil colour
You'll find a clear orange colour. As time passes and you use the bike regularly, the oil turns black due to impurities, wastes, and remains. When you find the oil dirty and get a foul smell, it is time to change it.

4. Engine performance
When you don't change the oil, you can't expect the desired performance from your bike. It is the case when your bike's oil turns black, and you should change it at the earliest. If left unchanged, you'll keep getting sluggish acceleration, reduced fuel economy, and poor performance.

5. Mileage
Generally, manufacturers suggest a rider to change the oil every 3,000–5,000 km. Changing the oil is always advisable when you cover this distance on your bike.

6. Unusual engine clatters
Untimely oil replacement might increase friction and wear on engine parts, leading to unexpected noises. So, if you hear any noise or clashes, you must change the oil. On the other hand, if you use your bike for high-performance racing, off-road biking, or long trips, you should always look to change the oil timely. These tours can strain your bike's engine and cause its performance to go down.

Points you must be aware of about the oil change
● Synthetic oils perform longer instead of the normal engine oils. You get better mileage and performance from your bike's engine. Also, thoroughly read the user manual to get clarity on oil changing.
● Regularly keep checking the oil level with a dipstick. Look at the colour and density of the oil.
● Visit the local garage and inspect your bike's engine for an oil change.
● Always use the best quality engine oil recommended by the bike manufacturer to avoid harming the engine and its parts.

It is evident to regularly monitor your bike's engine oil to enjoy a smooth riding experience and ensure the engine's longevity. Along with checking the engine oil's quality, you must also look for reliable bike insurance. Accidents can occur at any point. Therefore, you must protect your asset with comprehensive coverage. So, insurance and a timely oil change are two basic requirements that must be fulfilled on time for a stress-free and enjoyable riding experience.

Click HERE to buy reliable bike insurance.

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

When protecting your vehicle, having a motor insurance is a legal requirement in most countries, including India. However, many vehicle owners mistakenly believe that motor insurance is enough to cover all kinds of damages, including those caused by fire. Unfortunately, this is not the case. Fire accidents can cause significant damage to your vehicle, leaving you with a hefty repair bill. This is where fire insurance comes to your protection. Fire insurance is a type of insurance that covers damages caused by fire, including damages to your vehicle.

This blog will discuss the types of damages fire insurance covers, the cost of fire insurance, and how to obtain fire insurance for your vehicle.

1. Motor insurance does not cover fire damage
While motor insurance covers damages caused by accidents, theft, and natural calamities, it does not cover damage caused by fire. If your vehicle catches fire, you cannot claim any compensation from your motor insurance policy. On the other hand, fire insurance is specifically designed to cover damages caused by fire.

2. Fire accidents are common in India
India witnesses a high number of accidental and intentional incidences of fire annually. Fire can spread quickly and cause significant damage to your vehicle in minutes. Having fire insurance for your vehicle will protect you against the financial impact of such accidents.

3. Fire insurance covers the cost of repair or replacement
If your vehicle is damaged by fire, fire insurance will cover the cost of repair or replacement, depending on the extent of the damage. This means you will not have to bear the entire cost of repairing or replacing your vehicle's parts, which can be a significant financial burden.

4. Fire insurance is affordable
Contrary to popular belief, fire insurance is not expensive. The cost of fire insurance for your vehicle will depend on various factors, such as the age, make, and model of your vehicle, as well as the extent of coverage you choose. However, fire insurance is a small price compared to the potential cost of repairing or replacing your vehicle after a fire accident.

5. Fire insurance provides peace of mind
Having fire insurance for your vehicle provides peace of mind, knowing you are protected against the financial impact of fire accidents. This is especially important if you rely on your vehicle for your livelihood or have invested significant money in purchasing or modifying your vehicle.

6. Fire insurance covers damages caused by riots
In a situation of riots and civil disturbances, vehicles are often targeted and damaged by fire. Fire insurance covers damages caused by such incidents, providing financial protection to your vehicle.

7. Fire insurance covers damages caused by electrical faults
Electrical faults can also cause fire accidents in vehicles. Fire insurance covers damages caused by electrical faults, providing financial protection against such incidents.

8. Fire insurance is easy to obtain
Obtaining fire insurance for your vehicle is easy and uncomplicated. You can purchase fire insurance as an add-on to your motor insurance policy or as a standalone policy from any insurance provider. Purchasing it is quick and hassle-free, and you can do it online from the comfort of your home.

While motor insurance is mandatory by law in India, more is needed to protect your vehicle against all kinds of risks. Fire accidents can cause significant damage to your vehicle, leaving you with a hefty repair bill. This is why it's essential to have fire insurance for your vehicle in addition to your motor insurance India. Fire insurance provides comprehensive financial protection against damages caused by fire, riots, electrical faults, and other such incidents.

Click HERE to learn more about motor insurance India and its benefits.

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

Back pain is one of the most common problems everyone faces across the length and breadth of the country. Some people may face a dull pain in their back now and then, while for some, it may be constant. Others may experience sudden and excruciating pain in their back, that they may be unable to sit or walk properly.

The leading causes of back pain are a fall, an accident, lifting a heavy load, or age-related factors. Sometimes a medical condition can also result in back pain. The treatment varies with the category of back pain you are suffering from. Hence, let us first understand the different types of back pain.

1. Cervical pain
The cervical region in our body is the vertebrae of the neck. When you suffer from pain in or around your spine, it is a case of cervical pain beneath your head. It is a common type of pain that can last a few days to several years. The common causes of cervical pain include poor and slumped posture, physical strain, mental stress, herniated disc, tumors, and other health conditions.

In Cervical pain, you may feel the most axial neck pain in your neck or radicular neck pain that shoots to other body parts, such as your shoulders or arms. Cervical pain is not very serious and can be treated with treatments such as exercise, stress management, and medicines for pain.

2. Thoracic back pain
Thoracic back pain is the pain in your upper back. The main symptoms include fever, loss of weight, nerve pain or numbness in the legs or lower body, physical trauma, noticeable deformity, severe stiffness, and constant severe pain that does not go away even after a change in sleeping or sitting position.

Thoracic back pain should not be ignored because the upper portion of the spine is connected to the ribs that protect your heart and lungs. You should immediately see a doctor if you experience any of the above symptoms for a long time.

3. Middle back pain
Middle back pain occurs below your rib cage but above the lumbar spine region. You may feel similar symptoms, such as fever, chills, weight loss, dizziness, etc., as in thoracic back pain. However, sometimes the symptoms can be vague, and you cannot easily diagnose them.

Middle back pain is caused due to several reasons, such as obesity, stress, anxiety, lack of physical activity, smoking, and pregnancy.

4. Lower back pain
Lower back or lumbar pain is common in people over 30 years of age. It is caused by a strain on muscles or tendons in the back. Arthritis of the spine is also a common cause of lower back pain. The pain can be mild to severe, leaving people unable to walk, sleep, work, and do their daily activities properly.

The common causes of lumbar pain are obesity, back injuries and accidents, lifestyle, mental health, diseases, and age. Such pain can come and go suddenly, especially after you bend abruptly to pick up something or during a sport. Medications and physical therapy can treat it, while sometimes surgery may also be required to cure it.

Back pain is becoming common even among youngsters, making it a cause of concern. Excessive junk food intake causing obesity, a lifestyle with no physical activity, stress and anxiety, smoking, etc., are primarily causing back pain in the younger generation.

Furthermore, this problem is alleviated with age, injuries, and accidents. A good health insurance policy can be very helpful in case you require a long treatment or surgery due to prolonged back pain problems. It will make you financially secure and stress-free, even if your treatment lasts for several years.

Click HERE to buy the best health insurance in India.

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

When you notice black or white smoke coming out of your motorcycle's muffler, it is a sign that something is not working correctly. The smoke's colour makes it possible to tell what kind of problem the engine faces. White smoke typically indicates the presence of coolant or water mixing with the fuel in the combustion chamber. Whereas black smoke typically indicates a vibrant air/fuel ratio. The causes of black or white smoke can vary.

The following are some common causes of black or white smoke coming from a motorcycle's muffler:

Black smoke
1. Fuel injectors
The ability of the fuel injectors to supply the engine with the appropriate amount of fuel may be compromised if they are clogged or broken. Black smoke can result from incomplete combustion caused by a shortage of fuel.

2. Spark plugs
Black smoke is produced when the air/fuel mixture does not burn completely due to a damaged spark plug.

3. Inappropriate fuel blend
Black smoke can result from incomplete combustion, caused when the fuel combination is vibrant or too much fuel in the air/fuel mixture. This may occur if the motorcycle uses power with a more excellent octane rating than the engine needs.

4. Air filter
Black smoke may result from the engine receiving less air than required due to a blocked or dirty air filter. A vibrant air/fuel mixture caused by a dirty air filter can result in incomplete combustion.

5. Carburetor
Black smoke can also be produced by a vibrant air/fuel mixture from a dirty or faulty carburetor.

6. Exhaust system
Black smoke can result from an accumulation of exhaust gases brought on by a damaged or blocked exhaust system.

7. Carbon accumulation
An engine's combustion chamber, valves, and pistons may accumulate carbon deposits over time. These carbon deposits can interfere with combustion and lead to black smoke.

8. Oxygen sensor malfunction
The oxygen sensor determines how much oxygen is in the exhaust gases. The oxygen sensor may be unable to provide the engine control module with reliable readings if it is broken or faulty. This can cause the engine to receive insufficient fuel, leading to black smoke.

White smoke
1. Overheating
If the engine operates excessively, the coolant may boil and combine with the fuel in the combustion chamber. Additionally, this may cause the silencer to release white smoke.

2. Incorrect fuel blend
White smoke may result from an excessively lean fuel combination or an air/fuel mixture that contains too much air. This might occur if the motorcycle is powered by fuel that doesn't meet the engine's octane requirements.

3. Transmission fluid
A motorcycle with an automated transmission may emit white smoke from the silencer if the transmission fluid is burning.

4. Defective fuel injectors
The engine may not receive the proper amount of fuel if the fuel injectors are not operating correctly. White smoke can result from incomplete combustion caused by a lack of power.

5. Coolant leak
Coolant can leak into the combustion chamber if the engine's head gasket is damaged or the cylinder head is cracked. White smoke will flow out of the muffler when the engine runs because coolant and fuel will combine.

6. Water in the fuel
White smoke may emerge from the silencer if the fuel contains water. This may occur if water has collected in the motorcycle's fuel tank due to prolonged sitting.

7. Defective glow plug
The glow plug heats the combustion chamber, which helps the engine start. White smoke may result from incomplete combustion caused by an inaccurate glow plug.

A motorcycle's muffler may emit black or white smoke, indicating several engine issues. It is essential to determine the root of the problem and take quick action to fix it to stop the engine from suffering additional damage. Taking your motorbike to an expert mechanic for diagnostic and repair is advised if unsure of the cause. Motor insurance provides financial security in the case of an accident or damage to your vehicle. It is advisable to buy motor insurance online as it eliminates the need for paperwork and mediators, which may result in cost savings on insurance premiums.

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.

Motorcycles are open vehicles with no outer enclosures to protect you in case of a fall or an accident. Also, they are smaller than cars, making them less prominent and visible on the roads. This makes motorcycle riders more susceptible to accidents that can cause injuries, many times so severe that they can result in the loss of lives of the rider and the pillion.

Motorcycles are also lighter in weight, meaning they may drag on the road for a few metres after a fall or crash. This may also cause severe injury to the passengers. Let's look at some common motorcycle injuries you must know.

1. Rashes
Rashes are the most common injury that motorcycles can cause. When you fall from your bike, your arms and legs are most susceptible to rubbing against the ground's surface. This causes rashes on your skin, the severity of which depends upon the intensity of the drag or fall. If you were riding your motorcycle at high speed, you would likely develop severe rashes and bleeding, which will take a few days to heal. You can even develop infections and nerve damage.

2. Fracture
A fracture or multiple broken bones are also a common motorcycle injury. The impact of your fall on the ground can be intense enough to break or crack a few bones in your body. A fracture commonly occurs in the legs, forearms, or pelvis bones. A severe accident can even cause damage to your skull and rib cage.

3. Head injuries
The impact area of your fall from the motorcycle is often your head and neck. You may face severe head injuries, especially if you are not wearing a helmet. Youngsters tend to drive their motorcycles fast and recklessly, and falling at such high speeds can be fatal to the head and life.

4. Spinal and neck injuries
Your neck and the spinal cord may face irreparable damage if the main impact area is the neck or back. Such damage can be intense and extremely painful. The pain can be chronic, and the accident can result in paralysis, nerve damage, and even death.

5. Hands, arms, and legs

After a fall due to a motorcycle accident, you instinctively throw out your arms and land on them. Your hands and arms immediately bear the brunt of the fall, and you may suffer deep rashes, cuts, and broken bones. Such accidents can also result in nerve damage and paralysis of your arm.

Similarly, the main impact area of a motorcycle accident is your legs. In most accidents, you will hurt your legs by suffering rashes, deep cuts, or a fracture.

6. Muscle tear
A motorcycle accident often does not break your bones or cause a fracture. Instead, it causes muscle tears, soreness, and internal muscle damage. Since the impact is internal, recovery also takes a lot of time.

7. Burns
Severe burns are also a possibility when you meet with a motorcycle accident. This rarely occurs when the fall or accident is intense enough to spill the fuel from the fuel tank during the crash. The motorcycle may immediately catch fire, causing severe burns. Burns cause intense pain and take a long time to heal.

A motorcycle accident can happen unannounced with anyone, anytime and anywhere. You should always wear protective bike gear while riding your motorcycle, such as a protective jacket, knee and arm pads, gloves, etc. A helmet is a must and should be worn every time you ride your motorcycle. You should also choose a good motor insurance company in India to protect your vehicle from damages due to an accident. It will protect you financially and cover all the repair costs when your bike needs repair work.

Click HERE to buy insurance from the best motor insurance company in India.

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

As healthcare and mental health awareness continue to grow, the question of whether depression can be genetic has become more prevalent. Depression is a debilitating mental illness affecting millions worldwide and can be challenging to diagnose and treat. While various factors can contribute to the development of depression, including environmental and social factors, the role of genetics in the condition has been a subject of research for many years. Understanding the genetics of depression and its impact on mental health is crucial to providing appropriate care and treatment for those who need it.

We'll also understand the importance of early detection and treatment and how health insurance policies can play a vital role in curing depression. Let's get started!

1. Understanding depression
Depression is a complex mental illness that can manifest in various ways, including feelings of sadness, hopelessness, and despair. While it is a common mental health condition, depression can be challenging to diagnose and treat due to the wide range of symptoms that can be present.

2. The genetic component of depression
Research has shown a genetic component to depression, confirming that it can run in families. Studies have found that people with a family history of depression will likely develop the condition. It is advisable to consult a doctor and get routine tests done.

3. Other influencing factors in depression
While genetics play a role in depression, it is not the only factor contributing to the condition's development. Environmental components, such as stress, trauma, and life events, also significantly impact your mental health.

4. The genetics of depression: What we know so far
There is still much to learn about the genetics of depression, but researchers have made some significant strides in recent years. Studies have identified several genes that may be involved in the development of depression, including those that regulate serotonin and other neurotransmitters in the brain.

5. The importance of early diagnosis and treatment
Whether depression is genetic or not, early detection and treatment are critical to managing the condition effectively. People who are at risk of developing depression due to their family history should be screened regularly and should seek treatment if they begin to experience symptoms.

6. The role of health insurance in depression treatment
For many people, the cost of depression treatment can be a significant barrier to accessing proper care. Health insurance policies can help to mitigate these costs by covering the cost of therapy, medications, and other treatments.

7. Health insurance policy renewal and mental health coverage
When it comes time to renew your health insurance policy, reviewing your coverage for mental health treatment is essential. Ensure that your policy covers the cost of therapy and medications for mental health treatment or if there are some deductibles you may be responsible for.

8. The importance of spreading awareness about mental health coverage
If your health insurance policy does not provide adequate coverage for mental health treatment, it is essential to speak up for better coverage. Contact your insurance provider or speak to your employer's benefits department to discuss your options and work to improve your coverage.

In conclusion, depression can be a complex and challenging condition to manage, but with early detection and treatment, it is possible to live a fulfilling life. While genetics play a role in the development of depression, environmental factors, and other influences can also contribute to the condition's onset. Health insurance policies can help to make depression treatment more accessible and affordable. However, verify all the policy features at the time of health insurance policy renewal. Working together can improve mental health care and help more people get the support and treatment they need to thrive.

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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.

Healthcare professionals frequently utilise blood tests to identify and track a range of medical disorders. A blood test is a medical process in which a medical professional takes a sample of a patient's blood. Then the sample is examined in a lab to measure different chemicals in the blood. Blood test costs are frequently covered as part of health insurance plans in India. Depending on your chosen insurance plan, the scope of coverage and the particular blood tests covered may differ.

It would be best if you were made aware of the significance of several hidden indicators which can provide important details about your general health and assist in detecting future health issues.

1. Vitamin D
Vitamin D helps immune health, bone health, and other bodily functions. Numerous health issues, including osteoporosis, depression, and an elevated risk of several malignancies, can be brought on by low vitamin D levels. People who reside in places with little sun exposure are more likely to have vitamin D deficiencies.

2. Thyroid hormones
The thyroid gland releases hormones that regulate the body's metabolism and production of energy. Fatigue, weight gain, and depression are just a few health issues that are caused due to low thyroid hormone levels. Other causes of thyroid abnormalities include autoimmune diseases and radiation exposure.

3. C-reactive protein (CRP)
C-reactive protein (CRP) is produced in the body in response to inflammation. Increased CRP levels can signify several medical conditions, including infections, autoimmune diseases, etc. Cancer, diabetes, and arthritis are a few examples of chronic diseases that can be contributed to inflammation in the body.

4. Triglycerides
Blood contains a specific kind of fat called triglycerides. Cardiovascular disease risk is enhanced by having high triglyceride levels. Obesity, a high-carbohydrate diet, and particular medications are just a few of the things that might raise triglycerides.

5. White blood cells
White blood cells are a specific type of blood cell that aids in the body's defence against illness and infection. Abnormal white blood cell counts can indicate a disease such as leukaemia and autoimmune disorder which can weaken bodily function and be life-threatening.

6. Iron
An essential ingredient called iron is required for the production of haemoglobin. This protein is found in red blood cells that transport oxygen throughout the body. Anaemia is the condition when the body produces insufficient red blood cells, and low iron levels can cause it. In addition to other symptoms, anaemia can make you tired and worn out.

7. Homocysteine

Homocysteine is an amino acid produced during the metabolism of methionine, an essential amino acid. Elevated homocysteine levels are linked to a higher risk of cardiovascular disease, stroke, and Alzheimer's.

8. HbA1c
Diabetes is diagnosed and managed using the HbA1c blood sugar control indicator. The risk of consequences like kidney damage, nerve damage, and cardiovascular disease can increase when HbA1c values rise because they signify poor blood sugar control.

9. Creatinine
Creatinine is a waste product filtered out of the body by the kidneys and produced by muscle metabolism. Several symptoms, including fatigue, fluid retention, and high blood pressure, can be caused by elevated creatinine levels. Elevated levels of creatinine can be an indication of kidney damage or injury.

An individual's health status can be determined a lot by blood tests. In addition, there are a lot of hidden indicators in these tests that can reveal important information about your health conditions. Discussing blood reports with your healthcare professional is essential to understand your overall well-being. The cost of diagnostic testing, including blood tests, can be covered under health insurance plans in India. These plans could be excellent for people who want frequent check-ups to monitor their health status. It is always advisable to verify all the terms with your insurer and do thorough research before purchasing health insurance plans in India.

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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.

Our way of thinking and approach to life significantly impact our success and well-being. The growth mindset, or the power of positive thinking, is a well-known concept that has gained widespread recognition in recent years. This mindset emphasises that we can develop our abilities and intelligence through hard work, dedication, and a positive attitude. Here, we will explore the power of positive thinking and how to develop a growth mindset for success.

What is a growth mindset?
The term "growth mindset" was coined by a well-known psychologist and researcher, Carol Dweck. A growth mindset defines that one's abilities can be developed and polished through hard work and perseverance. People with a growth mindset view challenges and failures as opportunities for growth and steer themselves out by making strong comebacks to achieve their goals. In contrast, people with fixed mindsets believe their abilities and intelligence are predetermined and cannot be changed. They shy away from hardships and give up easily when faced with challenges.

The power of positive thinking
Positive thinking is a crucial component of developing a growth mindset. It involves focusing on the positive aspects of a situation and looking for opportunities to learn and grow. Positive thinking can help develop a growth mindset by:

● Changing your perspective: Approaching challenges and failures with a positive mindset enables you to view them as opportunities for growth. You can learn valuable lessons from the experiences and avoid the thoughts that demotivate you.
● Increasing resilience: Positive thinking helps to develop resilience or the ability to recover from adversity. Focusing on the positive aspects of a situation equips you to tackle problems and endure difficult times.
● Boosting confidence: Positive thinking helps to boost your confidence and self-esteem. When you believe you can shine your abilities and overcome hurdles with a passionate intent, you're more likely to take risks and accomplish your goals.
How to develop a growth mindset?
Developing a growth mindset requires time and effort, but it's worth it. Following are a few ways to develop a growth mindset:

● Embrace challenges: It is the best thing to do to make growth chase you. Seek out challenges rather than running away from them. Every new challenge gives you a new experience that shapes your skills and confidence to improve.

● Learn from failures: When you experience failures or setbacks, reflect on what you can learn from those experiences. Consider what you could have done differently and how to improve next time.

● Cultivate a positive mindset: Focus on the positive aspects of a situation and look for opportunities that promise you contentment. Practice gratitude, positive self-talk, interact with positive people, and consume motivational content to help shift your mindset to a more positive outlook.

● Emphasise effort over talent: You're more likely to succeed when you work hard and put in the effort. Be consistent with what you do and continue to work hard unless you achieve your objectives.

A positive mindset is essential when caring for our health and well-being. By maintaining a positive outlook, we can stay motivated to lead a healthy lifestyle, seek the best healthcare options, and take steps to prevent illness and disease. Similarly, developing a growth mindset can help us stay motivated to achieve our goals and overcome challenges related to our health.

Choosing the best health insurance in India is just one of the many steps to ensure we care for ourselves and our loved ones in the best way possible. The power of positive thinking and the growth mindset can profoundly impact your success and happiness. By accepting challenges, learning from failures, and cultivating a positive mindset, you can develop the skills and abilities needed to be successful. Developing a growth mindset takes time and effort, but you can achieve great things with dedication and hard work.

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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.

Biking is a well-liked form of exercise and transportation, but it may also be dangerous when floods occur. One of the natural calamities that occur most frequently worldwide is flooding. As a result, the nation suffers severe socio-economic losses. Floodwaters can cause highway disasters, create dangerous situations, and increase the risk of electrocution. You can, however, ride your bike safely during floods if you take the proper safety measures.

Even though caution can significantly lower the chance of accidents and injuries when biking through floods, unexpected events can still occur. Bike insurance offers financial security and peace of mind in such circumstances. Here's a detailed guide to biking safely during floods.

1. Plan your route
It's essential to consider regions prone to flooding, such as low-lying areas, riverbanks, and bridges, while planning your motorcycling route during a flood. Always stay on high ground and avoid these regions. Plan a path that stays clear of the flooded areas using online maps.

2. Use lights
Motorcycle lights make you more visible to other drivers when it's dark or low light. Ensure that your bike has lights and reflectors. It would help if you also considered bringing a tiny torch or headlamp in an emergency.

3. Stay informed
It's essential to be aware of local conditions before riding a bike during a flood. If there are flood warnings or advisories, keep an eye on local weather forecasts and news updates to stay informed. Avoid riding in regions with flood warnings or advisories and take a different route.

4. Wear appropriate gear

You must wear appropriate clothing to protect yourself from the rain and water when riding through a flood. Put on a waterproof jacket and a pair of trousers to keep dry. Ensure that your shoes are water-resistant as well. Wearing reflective clothing or gear can improve your visibility to other drivers.

5. Slow down
Riding in flooded regions requires extra caution and slowing down. Floodwaters may be deeper than they appear and may cover trash or other obstructions. To avoid any unforeseen dangers, slow down.

6. Watch out for dangers
Be cautious when riding through floodwaters to avoid obstacles like downed trees, electricity lines, and perhaps washed-in debris. Avoid these risks whenever possible. If you encounter a downed power line, maintain a distance of at least 10 feet and contact your local power company immediately.

7. Follow the guidance of authorities
It's essential to follow the advice of emergency officials and local authorities during a flood. Road closures and evacuation orders may be included in this. Consult with local authorities first if you are unsure whether riding in a particular location is safe.

8. Stay on marked bike paths
Stick to marked riding paths or roads that are open and safe for commuting. Avoid any areas that are closed off or that the authorities have blocked. When a road is closed, or a diversion is indicated, follow the instructions on the sign.

9. Avoid fast-moving water
Avoid riding your bike across the moving water since it might easily knock you off and take you with it. If you must ride your bike through the water to cross a flooded area, walk your bike instead. Remember that riding a motorcycle through even a few inches of water can be fatal.

Additional safety measures and close attention to detail are needed when biking during a flood. You can safeguard your safety when biking through floods by carefully planning your route and following official guidance. Remember, it's always better to avoid biking in dangerous conditions whenever possible. Bike insurance can offer significant financial protection in unforeseen circumstances like floods or other conditions. Review your policy carefully and take the appropriate safety measures to safeguard you and your bike.

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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.

Floods are natural disasters that can happen unexpectedly, causing damage to property and putting lives in danger. Even while you can't always stop a flood from occurring, there are precautions you can take to safeguard yourself and your property from damage.

Personal accident insurance India does offer protection in an accident that leaves someone injured or dead. But buying a separate flood insurance policy to protect yourself and your property from flood damage will be ideal. Typically, this policy will cover flooding-related harm to your house, assets, and other property.

Let's look at a few guidelines to protect your loved ones and assets against flooding:

1. Know your risk
The first step in preventing floods from harming you and your belongings is to become aware of your area's flood risk. The likelihood of flooding varies from place to place depending on geography, elevation, and proximity to water sources. Consult the Flood Map Service Centre to determine your flood risk. You can contact your local government or emergency management office to learn about flood dangers.

2. Buy flood insurance
Getting flood insurance is one of the most crucial things you can take to safeguard your home against flood damage. You'll need a particular flood insurance policy to protect your property since standard homeowner's insurance sometimes doesn't cover flood damage. The National Flood Insurance Programme (NFIP) and private insurers offer flood insurance. It's important to carefully read your policy to understand what it covers and how much insurance you have.

3. Elevate your property
Consider elevating your home if you live in a flood-prone location to reduce the chance of heavy damage. Raising your house or property above flood level is called promoting it. It can be accomplished in many ways, including constructing a raised foundation or adding stilts or piers. You can reduce the cost of your flood insurance by elevating your home.

4. Safeguard important documents
Important papers, including insurance policies, forms of identification, etc., should be kept in a secure location in case of a flood. Store these documents in a position that won't likely be affected by flooding. Store them in a waterproof container, like a safe or waterproof bag. You can also make digital copies of your key documents and store them safely online or on a portable hard drive.

5. Install flood-barriers
By keeping water from entering your home, flood barriers can help safeguard your property against flood damage. Sandbags are typical flood barriers to build a wall against flood waters around your home. Another form of flood barrier that is quick and simple to install is a water-filled barrier. Levees or other permanent flood barriers can also be implemented, offering long-term protection against flood damage.

6. Stay informed
You can prepare for a flood and reduce the risk of damage by staying updated about flood alerts and advisories. You can sign up for alerts from emergency management agencies and follow local weather reports online. Follow local officials' advice and vacate the place if a flood warning is issued for your area.

7. Have an emergency plan
You and your family can stay safe in the case of a flood if you have an emergency plan in place. Your emergency plan should contain escape routes, emergency contacts, and a list of things you must take while leaving. To ensure everyone is prepared, practise your emergency plan with your family.

Protecting you and your property against flooding is essential to reduce damage and safeguard your well-being. By looking at flood maps and learning about the local flood history, you can estimate the risk of flooding. Additionally, an emergency plan should be created that details evacuation routes, contact options, and emergency supplies. In addition to personal accident insurance India, buy a separate flood insurance policy to protect assets from the flood.

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

As natural catastrophes become more frequent and severe, safeguards are critical to keeping our vehicles safe. As car owners, we put a lot of time and money into buying and maintaining our automobiles. Therefore, we must protect them against disasters like earthquakes. Not only earthquake damages are expensive to fix, but they can also jeopardise your and your family's safety. In this article, we will go through a complete guide to ensure the safety of your car during an earthquake. We will review detailed points to protect your vehicle and yourself from potential earthquake damage.

In addition, we will discuss the significance of online car insurance and how it can assist in protecting you financially in the event of earthquake damage. Following these tips may make your car as safe as possible during an earthquake and be better prepared for future natural disasters. Let's get started.

1. Select a secure parking spot
Choosing a safe parking area is critical to ensuring your car's safety during an earthquake. Avoid parking in places prone to landslides or with many trees that could fall on your vehicle. Look for parking spaces in open areas away from buildings and trees, such as parking lots. Additionally, attempt to position your car facing outwards so you may quickly evacuate in an emergency.

2. Safeguard your vehicle
When an earthquake strikes, your car may shake severely, and anything inside may become lethal projectiles. As a result, it's always advisable to keep your car's contents intact and unloose. Protect any unsecured goods inside your vehicle, such as computers, luggage, and other items. Additionally, ensure that your car is in good shape and that all parts, including wheels and tyres, are securely fastened.

3. Keep valuable documents safe
Maintaining your car insurance documents, registration papers, and other important documents is required in a secure location. Always keep them in a waterproof and fireproof container in your car or a safe place at home. Keep a digital copy of your documents on your phone or other digital devices.

4. Check your online car insurance protection
Earthquakes can cause severe damage to your vehicle, so ensure your car insurance is updated. Verify your online car insurance policy covers earthquake damage. Also, be sure you understand what your insurance policy covers and what it does not.

5. Prepare an emergency kit
During an earthquake, having an emergency pack in your car is critical. A first-aid kit, a torch, a blanket, a map, and a portable charger should all be included in the kit. You can also have some non-perishable food and drink.

6. Stay in your car
During an earthquake, remain inside your vehicle and fasten your seatbelt until the shaking stops. If you're driving, pull over to a safe location, turn off the engine, and remain inside your vehicle until the shaking stops.

7. Be cautious after the earthquake
Drive with caution after the earthquake. Examine your vehicle for any apparent damage, such as dents, scrapes, or shattered windows. If you fear that your car has suffered substantial damage, wait to drive it until a specialist has inspected it.

8. Prepare for future earthquakes
Earthquakes can occur anytime, and preparing for future quakes is critical. Keep your car in good shape and regularly serviced to guarantee its functioning. Consider adding safety measures, such as a GPS tracker, an alarm system, or a dashcam, to protect your vehicle in the event of damage.

In conclusion, securing the safety of your vehicle during an earthquake is critical. The above safety tips can help safeguard your car from harm during an earthquake. Protect yourself and your family by adequately preparing and caring for your vehicle during an earthquake. You can explore all the insurance options available from the convenience of your home and purchase online car insurance that caters to your needs in the best ways possible. Remember that safety comes first, and taking precautions now might save you a lot of trouble later.

Click HERE to learn more about purchasing online car insurance and its benefits.

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

The frequency and intensity of earthquakes have grown in recent years, inflicting property damage, including car damage. Car owners are required by law to carry car insurance, and as a result, insurance policies are expanding to cover earthquake damage. The future of automobile insurance coverage for earthquakes in India is a critical issue that impacts both car owners and insurance providers.

In this space, we will look at the various types of coverage available, the role of technology, and how car owners may guarantee their vehicles the best coverage in the case of an earthquake. Let's begin!

1. Increase in natural disasters
Natural disasters such as earthquakes have become more common in India. Since India has been witnessing more earthquakes with magnitudes greater than 3.0 recently, car owners must have insurance coverage to safeguard their valuable assets against the adversities of an earthquake.

2. Comprehensive car insurance
Comprehensive car insurance protects your car against natural disasters such as earthquakes. It differs from a third-party liability policy, which solely covers damages to a third party in the event of an accident. Car owners should think about getting comprehensive car insurance that covers earthquake damage.

3. Earthquake coverage add-ons
Aside from comprehensive insurance, vehicle insurance companies often provide add-ons to cover specific natural disasters such as earthquakes. The optional features include engine protection, roadside assistance, and 0% depreciation. Car owners should consider obtaining these add-ons to supplement their coverage.

4. Usage-based car insurance
In India, usage-based automobile insurance coverage is becoming more common. These policies base premiums on vehicle usage, and the car owners who drive their vehicles less frequently pay a lower rate. In the future, usage-based automobile insurance policies can be tailored to provide earthquake coverage based on the vehicle's geographical location.

5. Telematics
Telematics uses technology to monitor a vehicle's performance and usage. In the future, automobile insurance companies may utilise telematics to track the car's location and provide coverage for earthquake damage based on the vehicle's location.

6. Artificial Intelligence (AI)
Artificial intelligence can be used to analyse data and generate customised insurance plans. In the coming years, AI might analyse earthquake-prone locations and offer customised vehicle insurance coverage to protect against earthquake damage.

7. Self-driving cars
As self-driving cars become more prevalent in India, it is crucial to remember that just like regular cars, they are exposed to theft, loss, or damage through natural calamities such as earthquakes, storms, or human-made issues like riots. As a result, the growing demand for customised insurance coverage that covers unique circumstances for self-driving automobiles. The insurance coverage premiums, as mentioned earlier, would be based on the criteria such as the car’s location, distance from the epicentre, and the time of the earthquake.

8. Internet of Things (IoT)
The Internet of Things (IoT) uses linked devices to collect and analyse data. IoT can be used to monitor cars and identify earthquakes in real-time. The information can be used to create tailored insurance policies that cover earthquake damage. Car insurance firms, for example, can use IoT to detect when a car is parked in an earthquake-prone location and provide coverage for probable damage.

Car insurance policies are evolving to cover natural calamities such as earthquakes. Car owners can buy car insurance policy online that cover specific natural disasters such as earthquakes. Car insurance coverage will be personalised based on telematics, artificial intelligence, and self-driving cars. Owners should explore all the options and buy a car insurance policy online from trustworthy firms to get the best insurance coverage and a policy that caters to all their needs.

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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.