GENERAL INSURANCE BLOG

Imagine you park your car in the open and are left surprised when you find it crashed. Parking damage refers to the damage caused to your parked car by an unknown person. You should know what to do if someone hits your parked car.

This article tells you what to do when someone damages your parked car. Additionally, it is advisable to buy car insurance online to protect your vehicle from unexpected damage.

Who pays for parking damages?
If a known person with a liability car insurance policy hits your parked car, their insurance company will pay for your damage. But if a stranger or unknown person hits your car, your car insurance company will pay for the parked car damage.

What should you do when someone hits your parked car?
The first thing you should do is to remain calm and alert when you encounter a parked car damage and follow these tips, including:

1. Find the witness to the accident
If you don't see a driver damaging your car, you should look for witnesses to the accident. Try to find the people who were at the accident spot, and once you find them, ask them about the description or details of the vehicle that damaged your car.

2. Note the offender's details
If you see a vehicle that damages your car, write down its details on paper, such as its registration number, colour, model, etc., and store it safely. You'll have to produce all these details at the police station at the time of filing the FIR and insurance claim.

3. Look for a security camera
Generally, parking spaces and market areas have security cameras installed. You can check who slammed your car and use a copy of the footage to claim your car's damage coverage. However, if the parking space has no cameras, look for nearby residences and shops with security cameras.

4. Capture image proof of the accident spot and your damaged car
Take a picture or video of the accident spots and your damaged car, and procure it as evidence of the accident. Insurance companies will approve your claim based on image proofs.

5. Call the police and file an FIR
Report to the police about your parking car damage, as they can help you find the offender. Moreover, if someone gets injured in a parking car accident, calling the police and filing an FIR becomes mandatory.

6. Inform your car insurer about the accident
Once you follow all the above steps, you should notify your car insurance company about the accident. The company will help you cover your car damage by raising a claim.

What to avoid when someone hits your parked car?
Most people make common mistakes when encountering parking damage. Here are the mistakes you should avoid, including:

1. Chasing the offender
Avoid chasing the driver that hit your car before checking for car damages like leaks, brake failure, etc., or any injuries caused to the person inside the car. Check for injuries and seek medical attention if required.

2. Creating chaos
Most people lose their composure and cause chaos by blaming others around the accident spot. Instead, stay calm and capture pictures or videos of accident spots.

3. Sending car for repair
You should avoid sending the car for repair before filing an FIR and informing the insurance company.

Parked car damage is an upsetting accident, but you have to be patient before you take any steps to deal with it. It is better to wait for the person who hit your car to return and complete the accident report together. If not, follow the above tips to get compensation for the damages to your car from your insurer. Whether you have an expensive or leased car, you should get car insurance online to insure it against parking damage, injury to the driver, and theft.

Click HERE to buy car 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.

Natural calamities are very uncertain and the worst nightmare for everyone. In recent years, natural disasters such as earthquakes, floods, cyclones, hurricanes, etc., have been rising globally and scarring the economy and the people. Seeing the destruction and trauma, everyone wants to insure themselves and their assets for financial assistance and mitigations after such an unforeseen and miserable disaster.

While life insurance protects your life and offers financial aid to your loved ones when you are no longer around, general insurance is crucial to reducing the risk of natural disasters and other emergencies. You can insure your assets with general insurance and get assistance to prevent negative economic hardship after a calamity. General insurance can also speed recovery by offering post-disaster liquidity and funding after the disaster.

What role does general insurance play in disaster recovery?
It is a common misunderstanding that natural disasters are rare and one does not need to insure their assets. In recent years, the frequency of earthquakes has been increasing and impacting the whole economy. Home insurance can save you from unpredictable future losses if you live in an earthquake-prone area. The financial losses after natural calamities continue to rise, generating significant financial risk. However, if you have general insurance, it can significantly reduce the financial burden, and you can get a considerable amount to rebuild or recover the property damage.

General insurance safeguards your property and can help you to get immediate assistance from the insurance company to overcome your financial need. The insurance company will reimburse the damages and losses incurred during the disaster and protect you from undesirable situations. Moreover, general insurance not only covers earthquakes but it covers all-natural calamities such as floods, hail, fire, storm, lightning, and hurricane, which cause extensive damage to your home. Thus, it is a worthwhile investment that keeps you financially and mentally sound.

Coverage of general insurance under disaster
General insurance covers the costs of hazards due to unfortunate events for the insured assets. Two types of general insurance covers allow protection against natural disasters: the home insurance policy and motor insurance. Both types of insurance policies are for the protection of assets.

A reliable insurance policy offers recovery for various damages such as damaged electric wires or lines, structure damage, water pipeline damage, broken doors, walls, and physical damage to the vehicle. These insurances cover:

● Exterior damage of the property costs

● Interior damage of the property expenses

● Coverage for physical injuries that may occur during the event while on the damaged property

● Damage or loss of personal assets or belonging from a property

● Cover losses to the vehicle involved in a collision

● Cost for the non-collision physical damage to the vehicle if damages in windshields break, storm, etc.

General insurance policies may vary according to the coverage they offer depending on certain factors and also the coverage you choose. The coverage may differ according to the size, type, location, value, cost of belongings, and age of the property.

Natural disasters are terrifying and cause heavy losses to the affected individuals and their assets. However, a general insurance policy is the right choice to protect your property against such losses. You can easily buy general insurance online in a few minutes without going outside at an affordable price and exciting offers. Browse through different policies, shortlist your options, and after the comparison, you can come to a final decision.

Click HERE to buy general insurance online.

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

A good helmet is an essential motorcycle accessory for your safety. It protects your head from severe injuries in an accident and can be a lifesaver. The helmet cushioning makes your ride comfortable, especially on a long drive. Moreover, you can also use it to add to your style statement.

A good motorcycle helmet shield is a must feature in a helmet. You should maintain your motorcycle helmet shield to extend the helmet's life and ensure clear vision. Let us discuss how to maintain a motorcycle helmet shield.

1. Cleaning:
The first step to maintaining our motorcycle helmet shield is regularly cleaning it. A dirty shield can obstruct your vision and invite an accident. In most cases, regular glass cleaners can do the job for you. Spray some glass cleaner on the shield, and use a soft and clean cloth to rub the shield's surface. It will remove the dirt from the surface and make your shield spotless.

2. Films and sprays:
Films for helmet shields are easily available at any motorcycle accessories shop. You can customise it according to the size of your helmet shield. It will create a barrier between rain and your shield and help to drip it off quickly. Moreover, you can put a film of any colour of your choice and make your helmet look cool and fancy.
Similarly, several sprays available in the market can be used for the same purpose. Anti-fog sprays are also available, which you can use from the inside of your helmet shield. They do not allow condensation to build up during the cold weather and help in clear vision. Films and sprays also protect your helmet shield from scratches and damage.
Ensure you do not keep your helmet shield up while riding through dusty passages, as it will ruin the effect of anti-fog spray and hamper your vision.

3. Wax:
Buy a good quality wax that can be applied on a helmet shield. Rub it on the surface, and use a soft, clean cloth to add shine to your motorcycle helmet shield. Wax can be effective in adding shine to your helmet shield while protecting it from scratches as well.

4. Keep distance:
Keep some distance from the vehicle in front of you while riding your motorcycle, especially at high speeds. This will ensure you are not bombarded with small stones and dust from their tyres. It will keep your helmet shield safe and secure. It will not crack, nor will scratches appear on its surface.

5. Keep your helmet safe:
Always ensure that your helmet does not fall from wherever you keep it. This applies to both home and outside. Also, avoid keeping it on the seat, mirrors, or handlebar, even if you are away for a few minutes. A fall can break your helmet shield or add scratches to it. Install a helmet hook on your bike and use it to hold your helmet while you are away.

A clean and shining helmet shield is a must while riding a motorcycle. A dirty helmet shield is a big no-no. It can hamper your vision and can cause serious accidents. Moreover, it will spoil your style and looks. When we talk about riding safety, two-wheeler insurance protects you and your motorcycle against damages and accidents, similar to a motorcycle helmet shield. Compare hundreds of options, and buy the two wheeler insurance online that fits your needs and budget. It will provide you with complete protection and financial assistance if your motorcycle is stolen or damaged.

Click HERE to buy two wheeler insurance online.

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

Staying hydrated is crucial to maintaining good health, but how much water should you drink daily? People often ask this question to ensure they are doing everything to stay healthy and avoid costly medical expenses.

Here, we will explore the importance of hydration and how much water you should drink daily.

How much water should you drink each day?
The amount of water you should drink daily depends on several factors, including age, gender, weight, activity level, and climate. The Institute of Medicine (IOM) recommends that men drink about 3.7 liters (125 ounces) of water per day and women drink about 2.7 liters (91 ounces) of water per day. However, this recommendation includes water from all sources, including food and beverages, not just pure water.

A general rule of thumb is to drink at least eight glasses of water daily, but more is needed for everyone. If you are physically active or live in a hot climate, you may need to drink more water to stay properly hydrated. You may also need to drink more water if you are pregnant or breastfeeding.

Tips for staying hydrated
Staying hydrated doesn't just mean drinking water. It also means consuming foods that contain water, such as fruits and vegetables. Here are some tips for staying hydrated:

● Carry a water bottle with you wherever you go, and sip on it throughout the day

● Drink water before, during, and after exercise to replace fluids lost through sweat

● Eat water-rich foods, such as watermelon, cucumber, and tomatoes

● Avoid sugary drinks, which can actually dehydrate you

● Pay attention to your body's thirst cues; if you're thirsty, drink water

● If you don't like plain water, try adding lemon or cucumber slices for flavour

Importance of hydration for health insurance in India Staying hydrated is essential for good health. Water helps regulate body temperature, lubricate joints, protect organs and tissues, and transport nutrients. It also helps to flush toxins out of the body, which is important for maintaining healthy skin and preventing illness.

For people concerned about health insurance in India, staying hydrated is particularly important. India has a high rate of water-borne diseases, and dehydration can increase the risk of infection. In addition, many health insurance policies do not cover the hospitalisation cost for preventable illnesses, such as those caused by dehydration.

Hydration and health conditions
Staying properly hydrated is important for everyone, but it can be especially crucial for individuals with certain health conditions. Here are a few examples:

1. Kidney disease: People with kidney disease may need to limit their fluid intake to avoid overloading their kidneys. However, it's still important to consume enough fluids to stay hydrated. Sometimes, healthcare providers may recommend a specific daily fluid intake for individuals with kidney disease.

2. Diabetes: People with diabetes may be at higher risk of dehydration due to increased urination caused by high blood sugar levels. Monitoring blood sugar levels and staying properly hydrated can help manage diabetes symptoms and reduce the risk of complications.

3. Heart disease: Certain medications used to treat heart disease can increase urine output and lead to dehydration. It's important to stay hydrated if you're taking these medications, but you should also talk to your healthcare provider about any specific hydration needs.

4. Cancer: Some cancer treatments, such as chemotherapy, can cause dehydration as a side effect. Staying hydrated during cancer treatment can help manage side effects and improve overall well-being.

If you have a health condition affecting your hydration needs, talking to your healthcare provider about staying hydrated is important. They may be able to provide specific recommendations for fluid intake based on your individual needs.

Additionally, certain medications can affect hydration levels, so it's important to talk to your healthcare provider about any medications you're taking and how they may affect your hydration needs. They may recommend adjusting your fluid intake or taking other steps to maintain proper hydration levels.

Staying hydrated is crucial for good health, and drinking enough water daily can be magical. Additionally, for people concerned about their health insurance in India, staying hydrated can help prevent costly hospitalisations caused by dehydration. Following these simple tips, you can stay healthy, hydrated, and happy.

Click HERE to buy robust 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.

Wanderlust is an exciting feeling to cherish as it blooms the thought of mindful exploration of new places and experiences. Whether visiting with friends, family, or alone, safety matters most alongside enjoyment. And when we talk about safety while travelling, travel insurance is the first step you need to take. Travel insurance covers different areas and uncertainties to help protect you against any financial loss during the trip.

However, many people need to know this insurance and its pros & cons. This article presents you with a complete idea about the same.

What is travel insurance?
Travel insurance covers your belongings against theft or damage and any medical condition arising while travelling. Most travel insurance policies cover lost or stolen luggage, medical emergencies, and trip disruptions. The insurance also covers rental car damage and trip cancellation. When you opt to buy a travel insurance policy, there are different types that you can check. You can buy domestic travel insurance if you are travelling within the country.

Similarly, if you are travelling overseas, get international travel insurance. However, the policy amount varies as per the type of insurance you are purchasing.

Let’s look at some of the pros and cons of travel insurance.

Pros of buying travel insurance

1. It guarantees peace of mind
The main benefit of purchasing travel insurance is the sense of security it provides. Sometimes you worry about any circumstances during the journey and cancel the trip. Even in the worst-case scenario, having travel insurance guarantees peace of mind. With travel insurance, you can focus on making your trip memorable without worrying about the financial stress that might occur due to unavoidable circumstances arising during your trip.

2. Get compensation for lost luggage
In many cases, passengers travelling by air miss their luggage after landing at their destination. Moreover, travellers end up missing their important items during the trip. Missing and lost luggage can be chaotic and hamper your trip excitement. But, with the right travel insurance, you get coverage on phones, cameras, and other essential items. You need to mention all details while claiming the same.

3. Complete medical expense coverage
You cannot predict when you will fall ill or face health issues while travelling. However, because of the abrupt changes in climate, food, and time zone, there is a greater risk of contracting an illness when travelling. You should have a solid strategy to deal with medical issues when travelling overseas because healthcare can be expensive. Once again, travel insurance comes in handy for such a situation. It offers complete coverage for any medical costs incurred due to an illness or accident while travelling. However, it would help if you kept all the medical bills ready while claiming.

Cons of travel insurance

1. It is expensive
If you compare the price of travel insurance with other policies, you will find it relatively high. Also, many people avoid purchasing it since they never feel it is important and necessary.

2. High chance of getting rejected
Your travel insurance claim could be rejected for several reasons. Insurance companies try to bring down the compensation or deny the claim if they find that you don’t have valid or expected proofs and documents to produce. Even if you are claiming for minor injuries, it may get rejected. So, it is best to read all the policies carefully to avoid loss.

Having travel insurance by your side is a worthy investment if bought from the right insurer and by clearly understanding the policy features. If you are looking for travel insurance policies, carefully compare plans of different insurers and invest in the best one. Read the terms and conditions thoroughly and don’t hesitate to ask questions if you aren’t clear about any clause. For additional safety, investing in the best personal accident policy in India alongside a robust travel insurance will help you have a peaceful travelling experience. It’ll ensure you celebrate joyous moments with your loved ones and leave all the worries aside.

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

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

Electronics have become essential to our daily lives, and keeping them safe from fire outbreaks is critical. Numerous things, including broken cords, malfunctioning appliances, and overloaded outlets, can result in electrical fires. Home insurance can provide financial security if a fire breaks out and damages your electronics or other belongings. You can customise your coverage options based on your needs and budget using home insurance online platforms that let you compare multiple policies from various insurance companies.

A fire outbreak might threaten your life and result in significant property damage. Therefore, taking safety precautions to protect your electronics is crucial.

1. Avoid flammable materials
Combustible substances like paper, cloth, and other flammable materials can quickly catch fire and spread. So it's crucial to keep these things away from electronics. Keep your electronics away from draperies, beds, and upholstered furniture. Place your gadgets in a different room and keep them away from combustible objects.

2. Use high-quality extension cords
Use high-quality extension cords that are appropriate for your electronic devices whenever you use them to supply external power. Ensure the cables are in good condition and have the correct voltage and power. Utilising extension cords that are the proper size for your equipment is crucial. Overheating and increased fire danger might result from using too-small cables.

3. Try not to overload electrical outlets
Overloaded electrical outlets are one of the primary causes of electrical fires. If too many devices are plugged in, one outlet or power strip might become overheated and catch fire. Use a surge protector to prevent the overloading of electrical outlets to avoid this. Surge protectors are made to cover any excess voltage and safeguard your equipment from power surges.

4. Inspect and maintain electronics regularly
Regularly check your equipment for signs of wear and tear, like frayed cords or damaged outlets. Replace any outlets or cables that are broken as soon as possible. Cleaning the dust and debris off of your equipment regularly will also help prevent overheating. Internal harm can result from overheating, raising the possibility of a fire.

5. Install smoke detectors

Smoke detectors are essential for quickly spotting fires so you have time to respond and get help. Place smoke detectors in each room of your house, especially the ones that house your electronic devices. To ensure your smoke detectors are operating correctly, examining them frequently is necessary.

6. Unplug electronics when not in use
Always remember to unplug your electronics from the outlets while not in use. Electronics should always be cleared to avoid overheating, which could start a fire. Certain electronics, such as space heaters and irons, if used carelessly, can catch fire quickly.

7. Fires should never be left unattended
Ensure you're constantly watching anything involving a flame or a lot of heat, such as cooking, microwave, etc. Keeping an eye on these electronics will enable you to promptly identify any issues or deviations from the norm. As a result, you might take care of the issue quickly to ensure your family's safety.

Protecting your electronics from fire outbreaks at home is essential to prevent potential damages. Numerous things, including overloaded outlets, damaged cords, etc., can result in electrical fires. A fire outbreak might endanger lives and seriously harm property. Take the above precautions to protect yourself and your home from the adversities of fire due to electronics.

Purchasing home insurance online is an easy and effective approach to safeguard your house and possessions against unforeseen losses or damages. Reviewing the terms and conditions of your home insurance policy is essential before purchasing.

Click HERE to buy home 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.

For soon-to-be parents, a lot of significant changes seem to be right around the corner. Parents spend the months of the pregnancy expecting the baby and several lifestyle changes. While buying all the necessary items like baby clothes, diapers, and cribs is essential, making sure your home environment is safe for the baby is just as important.

First-time parents might look around their home and feel confused about what modifications to make to protect their baby. They might even question the need for it. However, as overwhelming as the responsibilities of a newborn can be, it is integral that parents appropriately baby-proof their homes.

Even though experts claim that your toddler will likely get a few bumps and bruises with every alteration you make to your home, parents still must childproof their home. Since knowing where to begin the process can be baffling, here are some simple tips to follow!

1. Be aware of heavy objects:
Children start crawling, walking, and running in no time. As they grow older, they will begin pulling and pushing things around. This is when heavy objects can become an issue. Whether it’s heavy showpieces or furniture, if the toddler pulls or tugs on them, they may cause an injury. So, make sure to keep the glassware or delicate pieces away and keep the heavy objects out of the baby’s reach.

2. Secure electric plug points:
Toddlers around the 15-17 months age range quickly become fascinated with sticking their fingers or other things in any place they might fit. Most of the time, they turn out to be electric sockets. Parents must be aware of this habit and how dangerous electric points can be.
Use tight-fitting electrical outlet covers to ensure that the baby cannot stick their tiny fingers or jam pens, pencils, or toys into the electric points. You must also confirm not to leave lamps or other appliances with their current on if they are within the baby’s reach.

3. Keep the dangerous home supplies out of reach:
Cleaning and other home supplies contain plenty of harmful chemicals in them. Once kids are allowed to consume food and liquids, they may start to put random items into their mouths.
Small objects are a choking hazard, and it is essential to keep them out of reach. House supplies like cleaning agents and liquids need to be stored at a height or locked in a cupboard so that the child does not have access to it.

4. Place door and window stoppers:
Appliances and furniture have doors that can easily open. Once the child can reach them, installing stoppers to these doors and windows is crucial to prevent them from hurting themselves. Suppose you’ve invested in reliable home insurance India plan; you can add these necessary babyproofing objects to your house.

5. Do away with the mats and tablecloths:
Children have a habit of running around the house. They may accidentally slip on mats and rugs placed in various corners of the home. Tablecloths that hang low are easily accessible to the kids who can pull on them along with all the items placed on them. This can not only hurt and injure them but also damage household items.

To conclude, these tips can give you an excellent start to babyproofing your house to protect your child. With all the wear and tear your home undergoes, babyproofing can be stress-free if you have the right home insurance to rely on. Your ideal home insurance can even cover you for unexpected losses or damages or provide compensation in case of mishaps like theft, fire, earthquake, and natural calamities, etc.

Click HERE to buy the best deals on home insurance India.

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

The majority of house buyers and sellers use the services of real estate brokers to make the process hassle-free. A real estate broker is a middleman who connects a buyer and a seller. An experienced broker can help you secure a good deal while keeping both parties' interests in mind. Unfortunately, the real estate sector in India is rife with misinformation and uncertified real estate agents.

As a result, finding the perfect broker is crucial in making informed decisions and avoiding costly mistakes. Finding the right real estate broker is as important as finding the best home insurance policy. Here is how to pick one.

1. Authenticity:
Reputation is a key component in the real estate sector. A reputable broker maintains relationships with developers, owners, and other real estate professionals. Question at least two clients about the agent's authenticity, knowledge, service quality, and, if possible, the pricing of homes they acquired through your agent. Preferably opt for a licensed broker who is a member of the National Association of Realtors (NAR).
Brokers must be RERA (Real Estate Regulatory Authority) registered in addition to being a part of a reputed organization. The state's RERA website posts all of the agent's info. You can look up these facts on the website using the registration ID of the real estate broker.

2. Understanding of the neighbourhood:
When looking for a real estate broker, the first thing you should look for is someone who knows the neighbourhood. Your broker should be well-versed in the local market conditions.
A good real estate broker is well suited to reveal the nitty-gritty of an area, the real estate inventory, and the prospects. It's also necessary to know current property trends. You'll be in good hands if you find a broker familiar with the local rules and regulations regarding property purchases.

3. Potential prospects:
Do not finalise a broker on the spur of the moment with a single offer. Investigate the market and speak with at least two or three agents. You can ask questions, learn about their experience and working style, and determine their areas of specialisation and professionalism by meeting and interviewing a few possible brokers.

4. Brokerage:
It's critical to negotiate your agent's fee upfront without ambiguity. In most Indian cities, the fee is usually 2% for transactions worth more than Rs 50 lakh and 1% for transactions below. Real estate brokers frequently skip the fee section and charge a high percentage after the contract is closed, leading to disagreements.

Buying a home is both a financial and emotional investment. Many homeowners will also agree that purchasing a home is a complicated job. The right real estate agent can make the process less stressful while ensuring that you get a decent deal.

After finding a great deal on the house, the sense of claiming it as your own is unquestionably a once-in-a-lifetime experience. It is suggested to purchase home insurance coverage to protect your new home from undesired circumstances and shield your personal space with a layer of financial protection.

To know more about home 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.

"The best view arrives after the hardest trek," and there is no denying that. The beautiful valleys, the breath of fresh air, the stunning views are just a few of the many rewards you get at the end of a trek. We have heard about the experiences of avid trekkers, and each of them, without fail, has mentioned that everyone should go trekking at least once in their lifetime.

Trends show that more and more people are leaning towards new outdoor experiences, and trekking is something they want to enjoy. While choosing a destination isn't challenging, zeroing in on the other aspects of your travel becomes essential. One crucial question is whether to travel solo or in groups. Today we will try to shed light on both of these to help you make an informed decision before your next trip.

Why travel solo?
People have often associated trekking with catharsis. They enjoy the peace, quiet, and sometimes the mini-adventures that come with it. Navigating through unknown roads, climbing treacherous terrains, cooking your food, and enjoying your solitude is what any travel enthusiast dreams of. This means that you are fully responsible for everything that happens during that trek, and the experience is unique to you.
Another vital aspect is that since you are the sole proprietor of your journey, every decision made and every skill used comes from your judgement. This is an incredible way of learning your strengths and making yourself confident for future solo trips. The added benefit of going solo is that you set your milestones.
You aren't worried about being left behind, you don't have to race to the top to ensure you get the ideal spot for your tent, and you don't have to depend on other people's time. Instead, you get to explore like a wanderer.

Why travel in a group?
Shared knowledge is the best knowledge. When you travel in a group, there is a chance you might meet skilled travellers. Travelling with them helps you gain better insights into immersive experiences, and more often than not, they have tips and tricks to help you in your journey to the top.
There is a zeal associated with travelling in groups, where people constantly support each other and share new stories. There is a powerful sense of euphoria when you stand together, looking at the beautiful view from the top with each other. In addition, there is a distribution of responsibilities, some help in pitching the tent, some help in lighting the fire, and others help with the cooking process.
Travelling in a group ensures the safety of everyone, and in case of injury, there is always someone to help you. And by the end of your expedition, you make many new friends with whom you share fond memories.

These are some of the benefits of travelling solo and in a group. Treks can be a wonderful experience if done right, and in a country like India, there are a plethora of options that you can explore. Some groups conduct annual treks. Signing up with one can be an excellent start to your trek experience.

Keep in mind that your safety is of utmost priority no matter how you travel. So carry a first aid kit, visit your doctor for a checkup, and don't forget to buy general insurance online to get exciting deals and protect yourself from landing into unnecessary trouble.

Click HERE to buy general insurance online.

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

Painting your house can be a great way to improve its appeal, increase its monetary value and overall make you love your place even more. The best part is that painting does not even cost you much if you use the right tips and tricks. However, before picking up the paintbrush, remember that it is not child's play.

The gratifying project of giving your house a new look with a fresh coat of paint can become taxing if you follow the wrong ways. To make sure your home stands out in the neighbourhood, you must take an informed and measured approach to painting.

Before you make your selection, here's something you should know.

1. Hire a professional or do it yourself:
Decide on whether you want to hire a professional painter or do everything yourself. Both have advantages and disadvantages. Professional painters will cost more, but they will do the job faster and with correct procedures that non-professionals may not.

2. Choosing the appropriate colours:
The colour selection might be time-consuming due to the importance of each family member's shared decisions and choices. To observe the impact and brightness of the colours, purchase paint samples and apply them to any two sides of the wall. Or check out the colour palette of different paint companies and then choose.

3. Deciding on the best time to paint:
If you want to paint the building's outside walls, you should do so during the summer months so that the paint does not take as long to dry. Otherwise, paint only in the late mornings and early evenings when the weather is warm enough for the paint to dry.

4. Calculating the cost of painting:
You'll need to calculate the entire painting cost, including the equipment, expert painters (if you're employing them), paints, primers, and other supporting materials.

Before you begin the painting process, keep the following recommendations and practices in mind:

• Examining the house:
The painting should begin with a thorough examination of the entire area. Before applying a paint coat, make a list of every crack, hole, and structure that has to be fixed.

• Figuring out how much paint you'll need:
It's much easier to calculate and estimate the amount of paint that needs to be purchased once you've taken down the measurements of the area that is to be painted. It is generally a good idea to buy more paint than you need.

• Getting rid of old paint:
You must remove the old paint if it has deteriorated and flakes have begun to appear on the unsightly walls. Use a paper scraper to remove the old paints. This will eliminate the blemishes from the walls and clean them by removing the undesired dust.

• Cleaning the residence:
Professionals usually do cleaning and remove everything from the house. Before painting, clean the house to prevent dust from adhering to the walls. Remember to use a cloth to cover any other areas and big furniture you will not be painting.

• Begin the painting:
After these preparations, the paramount step is to paint the wall. First, spray the paint on the wall using a sprayer and then roll it down with a roller. Many specialists recommend that you employ the back-rolling method.

The next step is to let the paint cure for at least 24 hours since it will take practically an entire day to completely dry.

Painting is just one more method to nurture your home and take good care of it. Another approach is to get a low-cost home insurance India plan. This will cover your property from various catastrophes and ensure longevity by adding value to your prised possession.

Click HERE to buy a reasonable home insurance India 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.

Cleaning our home is a regular task for all of us. It improves hygiene and promotes physical and mental well-being. Tidying the mess around you gives you clarity of thought and can be therapeutic. But sometimes, sorting the mess doesn't help, and a deep cleaning process is needed.

It might sound stressful, but no need to worry. This blog is a room-to-room manual for deep cleaning your home without getting tired during the process. We have broken it down into small doable tasks that are easy to follow.

But before we begin, go ahead and declutter the mess around you to make it convenient to move around freely while cleaning. Once you have sorted your scattered possessions, follow the subsequent points to proceed with room-wise deep cleaning.

1. Bedroom:
Remove the beddings and put the bedsheet and pillow covers into the laundry. An extra spin would help in drying them faster. Air dry your synthetic pillows. For heavy comforters, a laundry facility would be helpful. You can clean your mattress by sprinkling a little baking soda on it, letting it sit for an hour, and then using a vacuum cleaner to extract all the dirt. Next, declutter your closet by pulling out the clothes you won't wear and donating them. Finally, get all the blazers and the crease-prone garments on hangers to organise your closet.

2. Kitchen:
Start by wiping all the cabinets and external surfaces. You can use newspapers or mats to put on the shelves to avoid dust on the surfaces. Take all the things off your shelves and wipe them using suitable cleaners. Wipe the refrigerator inside out after emptying it. Follow the same process for the stove, dishwasher, and other appliances if possible. Wipe the countertops using cleaner liquids and let them dry.

3. Bathroom:
Some shower curtains have labels that mention if they're washable. Make sure to check yours before you wash it. Afterward, rehang to let it completely dry. You can also wash your plastic shower line or purchase a new one. To remove the water spots and soap scum, use heated distilled white vinegar for the doors and scrub with baking soda using a non-scratch pad. Finally, declutter your washroom cabinets, clean the surfaces, categorise the items, group, and arrange them. Do the same with your first aid and medicine cabinet.

4. Living room:
Use a vacuum cleaner to clean all the furniture. Remove the cushions for easier access to the deepest corners. Collect all your showpieces and photo frames from the shelves and wipe the surfaces with cleaners. Now take all the photo frames and clean them gently using a microfiber cloth. This will help you avoid scratches. You can use a thin dusting wand to clean beneath the surfaces of electronics. Go through all your CDs and DVDs and if they're not of use anymore, collect them to donate or sell.

Use these tips as your guide to deep clean your home without any hassle and stress. Also, ensure to safeguard your home and buy home insurance online. With the world going digital, you can explore your options and buy home insurance online in India with only a few clicks. Additionally, online insurances offer exciting benefits and deals to the policyholders to opt from and take advantage of.

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

One of the most expensive assets that an average earning Indian buys in his/her life is a house. A good part of our earnings is spent on buying and furnishing our dream home. Though we pay a lot of attention when purchasing and setting up our house, we often neglect to get it insured from the best home insurance company in India.

Due to a lack of awareness among buyers, many people don’t consider buying a home insurance policy to protect their homes against natural calamities. There is a misconception among insurance buyers that home insurance is costly. However, the fact is that home insurance against natural disasters in India is inexpensive. It is being offered by the best home insurance company in India at a price that doesn’t burn a hole in your pocket.

Why buy Home Insurance against natural calamities?

Despite knowing that home insurance against natural calamities is not as expensive as it is perceived, only 1% of people buy the insurance cover.

It is essential to buy home insurance against natural calamity because India is a disaster-prone country. Many regions are prone to experience earthquakes with severe intensity. Also, there are many areas, approximately 12% of India, which is likely to floods. The areas on the Indian coastline are prone to experiencing tsunamis.

The frequency of natural disasters in India has increased in the past few years. According to the World Bank’s estimate, approximately 600 districts in India are calamity-prone. This places a large number of people and their property at a higher risk.

It is thus essential for Indians to buy a home insurance policy against natural calamities from one of the best home insurance companies in India. Moreover, a home insurance policy covers not only the building of your home but also the components in it from damages.

Here is a detailed analysis of why you need to buy a home insurance policy.

It not only protects your home:

• A home insurance policy provides protection not only by covering your home but also the components within.
• You can easily opt for add-ons to protect various components of your house like furniture, valuables, electronics, etc.

Replacement of loss

• A home insurance plan not only provides financial safety but also provides for the replacement of the insured subjects.
• You can opt for replacement cost instead of depreciation value when buying a home insurance plan.
• The structure of the building and the various components are insured for their replacement cost.

Home Insurance is inexpensive

• Home insurance plans to protect your home against natural calamities are available at affordable premium costs.
• You can easily buy home insurance from the best home insurance company in India without pinching your pocket.

Protect yourself from lawsuits

• A comprehensive home insurance policy offers you the required peace of mind by protecting you from property-related lawsuits.
• Some insurance plans also cover the medical expenses of a guest who is injured on the premises of your residence.

It offers flexibility

• If you are willing to buy a home insurance plan to protect your property from natural calamities, you can choose between insuring the structure of your home or only it’s content. This offers flexibility in buying a home insurance plan.

Natural calamities cannot be controlled, but you can protect your home. If you still don’t have home insurance, buy one soon from the best home insurance company in India to protect your dream home.

Home is a name, a word, it is a strong one; stronger than magician ever spoke, or spirit ever answered to, in the strongest conjuration. –Charles Dickens

You’ve made the big decision to purchase a dream house: reality is finally sweeter than your dreams! Congratulations.

A house is a matter of pride and a big commitment for many many years. A house is probably one of the biggest investments you will ever make: a dream you would like to protect.

While there is little we can do against natural disasters, we can reduce some of the hardships by having home insurance, which protects against any damage to the house and valuables in it.

Home insurance is poorly sold in India; People are either not aware of home insurance or are reluctant to buy it. They don’t see the risk to their property—be it fire or an act of terrorism; and of course, it always happens to other people!

A lost life cannot be regained, but a lost house can be rebuilt and it doesn’t cost much.

Here is what our Truth lens tells us:

A good policy covers for financial loss arising out of various incidents such as fire, earthquake or burglary. It covers, not only for structural damage but also for all other assets and possessions you may have, right from a rug to a refrigerator.

Here are a few things to consider:

One, the Cover

At the basic level, a standard fire and special perils policy covers your structure and possessions from fire and other dangers such as earthquakes and storms. The second level of coverage protects against burglary or breakdown of mechanical and electrical appliances. The last one protects against minimal risks such as loss of rent, loss of important documents such as title deeds and passport, and provision for alternate accommodation.

Two, the Sum Insured

While the value of your house is based on three factors - land, cost of construction for the building and prevailing real estate prices – the insurance only covers for the building’s cost of construction. Most insurers will offer a standard rate per square foot multiplied by the carpet area of your house. The rate offered also considers depreciation. Therefore, it is important to go for a reinstatement cover. This covers for rebuilding your home from scratch, assuming the worst.

Three, Compliance

If you are living in an urban high-rise, your flat alone cannot be rebuilt in case a big calamity hits the locality. It is the housing society’s responsibility to insure the entire premise. Talk to the society management and figure the kind of insurance availed of and what supplementation you need. The insurer will not cover for poor or unauthorized construction and you don’t want to be left high and dry in the event something goes wrong. Taking 2 insurance policies for the same asset will not result in double benefits! [This is based on the principle of indemnity, and the more technical oriented amongst us can click here to read more about it]

Time period: Home insurance can be bought for a minimum of one year to a maximum of five years. Do remember to renew.

Fine print: Home insurance policies are worded differently. For example, structure insurance may only be for building and not land, or only jewelry kept in the locker may be covered.

Tenants: If you are living in a rented house, you can insure only the contents and not the structure as you don’t own it.

You have arrived at the airport and are excited about your holiday. But for some reason, your flight is delayed. Maddening! Right? You begin to feel irritated as all the thrill starts disappearing. You have no idea how to pass the time at the airport. Even the noise and chaos further grow your disappointment.

Fortunately, there are lots of activities you can do to occupy yourself while waiting for the airplane to take off. You will notice that an airport is a sizable facility with various entertainment options. Therefore, before you get to your destination, wait patiently, and tour the airport's many areas. Put yourself in "vacation mode" and leave the bustling world behind.

Here are a few things you can do in airports to pass the time as you wait for your flight.

1. Display your photography prowess:
If you enjoy taking pictures, the airport offers interesting opportunities to capture props, aircraft, artwork, and architectural structures. You can even take candid pictures and make portraits of the individuals nearby. Start by putting your hesitation aside and enjoy yourself as you take amazing images and start making beautiful memories right from the start of your trip. However, be cautious, as photography is prohibited at some locations at the airport.

2. Browse the kiosks or shop at duty-free:
The duty-free shops at the airport have some incredibly affordable offers. You name it: clothing, alcohol, and chocolates! Even though some stores are pricey, you may pass the time by browsing various goods if you have no other choice. It's an excellent strategy to stay active and finish any unfinished tasks.

3. Use the free Wi-Fi:
Suppose you are not interested in moving around. Still, we have a fix for you! Worldwide, free Wi-Fi is available in most airports. Your favourite web series is available for viewing after turning on your Wi-Fi. There are free things in life sometimes! But don't use a public Wi-Fi network to access your bank accounts or anything private.

4. Talk to others:
People from many places are seated together in an airport like a miniature world. Additionally, it's a great place to meet new people and mingle. Avoid just bursting into people. Talk to them and find out about their country and neighbourhood. You must always be open to making new friends on the go!

5. Observe:
Suppose you don't like engaging with others. You can just watch them; there won't be any interaction or information. The airport is the perfect place full of travellers from all parts of the world. If you are an artist, noticing things can help you write or copy articles.

6. Read a book:
The best way to enjoy your company and kill time at the airport is to pick your favourite book and engross yourself in reading. There can't be any better experience than involving a substance that entices and refreshes you by just turning pages.

7. Sleep off:
If none of the choices appeals, you may take a nap and rest for a while. Pick a seat in a corner or access the lounge if you can, turn on your favourite music, and set the alarm for a quick nap.

If you're stuck in an airport, we hope these solutions will be helpful. But be aware of the updated details of your flight and stay alert on the announcements. Also, check your luggage in case you are waiting for a long time. It is advised that you purchase travel insurance to protect your trip. The travel protection under the general insurance India policy covers unexpected events like a delayed flight, missing checked baggage, and more.

Suppose your general insurance India plan includes luggage insurance. In that case, your insurer may be able to reimburse you, up to the limit specified on the confirmation of coverage, for covered loss, theft, or damage to your baggage and personal belongings.

Click HERE to buy the best general insurance India plan to make your travel hassle-free.

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 this hustling world, everyone wants to save the most valuable aspect of their life – time. Finding out time for household chores feels like an impossible task in the middle of your tight schedule.

But, many gadgets and appliances have made the way to clear the chaos and get things convenient for you. From the start of our day until we retire, we encounter several devices that work as our assistants and eliminate the worries of most household tasks.

Below you will learn some of these intelligent home appliances that make your life easier.

1. Speakers with AI and Bluetooth – technology reimagined:
Apart from listening to songs, we can use smart speakers to remind every major-minor event or daily tasks such as paying the bills, recharging your internet pack, weather forecasting, news, and what not. The exciting feature is that it also operates by voice recognition feature. You may even integrate your smart speakers with your other smart home devices to enjoy a fully customizable and command-driven home environment.

2. WIFI/portable routers – make smarter connections:
The Internet has become new oxygen for the globe. Constant evolution in the WIFI system like portable routers and mesh WIFI systems are trending and valuable for the smart home network that connects all your smart devices.

3. Smartwatches – the world around your wrist:
Smartwatches are a great invention that looks classy and way more productive than just showing time. Get all the notifications and regular updates without touching your mobile. Additionally, it's the best investment for health by keeping your active schedule with your walks, work-out, and counting calories burnt.

4. Innovative kitchen appliances – cooking made fun:
Smart refrigerators, dishwashers, microwaves can be paired with your smartphones through helpful apps and make the cooking experience more enjoyable than we could ever imagine. These appliances would do the task in minutes which you finish in hours with your bare hands.

5. Laundry appliances – happy clothes, happy wardrobe:
Fully automatic washing machines with timers, clothes dryers are the appliances that have become popular and essential in the last decade. They are an excellent example of time-saving and doing your laundry easier and faster.

6. Living room appliances – feel like the 'modern king':
It is where we tend to spend more time with our guests and visitors. You can easily interact and schedule the smart lights, automatic blinds, Smart TV and sound system and turn your living room more automated to your requirements.

7. Smart doorbell/locks – safety redefined:
Safety is the biggest concern for homeowners. Using an intelligent doorbell system, remote control of door locks, and security cameras will bring a good change in your life by making you feel secure. Also, the house insurance premium goes down when you add a layer of security to your home. This way, you guarantee yourself a peaceful sleep at night and the shield of double protection from unfortunate incidents like burglary for your home.

You can make your home a lot more automated by using these intelligent electronic appliances and gadgets. Imagine cooking in your microwaves from anywhere with your smartphone and receiving alerts when the food is ready.

The constant upgrades and new appliances make way to your home and give you the upper hand to manage the daily household work. Some of these items are expensive devices to install in your house. A suitable house insurance plan can provides you compensation for the damages caused due to fire, theft, or man-made hazards or any vandalism. Get house insurance for the financial security of your insured belongings and enjoy your life with the golden-age technology appliances.

Are you looking for a best home insurance in India for your new home? 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.

Technology is undoubtedly a key driver for the economic growth of a country. Fuelled by the revolution in internet connectivity, it has evolved over the years and made many advancements. As a result, it plays a significant role in improving people's lives in every field, including the transport industry. Truck drivers encounter multiple issues in their day-to-day life, but the latest introduction of technology in truck drivers' lives has made things smoother for them. In this post, we share how technology is making the life of truck drivers easy on the wheels.

1. ELDs – Electronic Logbook Devices:
Truck drivers are required to manually fill forms or papers to enter the number of hours they drive. To avoid this hassle, ELDs are attached to the engine, which automatically calculates the number of driving hours. Besides, ELDs also assist in helping the truck driver with fuel consumption by the truck. Another perk of these devices is that it monitors the driving route and thus helps the truck driver's safety. Furthermore, if truck drivers encounter accidents, ELDs play a crucial role in proving the evidence.

2. Load boards:
Load boards are another vital tool used to find new shippers who need to haul their loads. This is widely used by truck drivers, owners, freight brokers, and more. You can go to load board sites and enter all the necessary information, including types of loads you can haul, weight allowance, and currently available destinations. Once you fill up all this information, shippers can contact you.

3. GPS systems for truck drivers:
GPS units are a standard device that assists truck drivers to reach their destination quickly with the shortest route. It avoids unnecessary travelling for them and results in efficient delivery. In case of traffic jams and bad weather conditions, the drivers can avoid those routes and save fuel and time.

4. Best use of smartphones:
Smartphones are excellent technology examples that are helpful for truck drivers. Through smartphones, truck drivers can communicate seamlessly and share their exact locations. This is also crucial for knowing how long the truck driver will take to reach their destination. Additionally, you can use smartphones to check out the nearest gas stations, accommodations, and more. During the breaks, truck drivers can use their phones for entertainment, such as listening to their favourite music or watching shows and movies.

5. Hands-free communication:
Voice assistant devices and other hands-free communication devices serve great purposes for truck drivers. Using hands-free communication devices ensures their eyes are on the road while informing people about their route. Since we all are aware of the consequences of holding a phone while driving, truck drivers can use hands-free communication devices and stay in contact with the dispatcher. This is also essential when the driver is confused about the exact route and needs guidance.

It is no surprise that technology innovation is pushing the limits and changing how the transport business functions and improving life on highways. However, as the industry evolves and expands, it also requires safe cover for efficient operation through motor insurance. Good motor insurance addresses the worry of mishaps on the road and puts you away from unwanted risks. Thanks to the technology, you can have online motor insurance renewal even on the move from your smartphone. So, use the technology advancement to your advantage and remain ahead in the business!

To know more about motor 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.

As the world steers towards sustainable mobility solutions, electric vehicles (EVs) have emerged as a promising answer to the environmental concerns associated with traditional internal combustion engine vehicles. India, too, is making significant strides in the EV market, with the government's commitment to promote electric mobility.
India's ambition to electrify its transportation system is evident in its National Electric Mobility Mission Plan (NEMMP) and Faster Adoption and Manufacturing of Electric Vehicles (FAME) schemes. These initiatives aim to encourage EV adoption by offering incentives, tax breaks, and promoting charging infrastructure development.
As more consumers switch to EVs, the focus on battery technology and its maintenance becomes pivotal after all the battery is at the heart of this technology revolution. And with the growth in this market, there arises a need for a tailored insurance solution as well.
However, many motor insurance companies still do not provide any specialized coverage for EV and HEV batteries, resulting in a void in this fast-developing sector. However, forward-thinking insurance companies are recognizing the opportunity and starting to offer specialized coverage for batteries.
In response to this demand, Magma HDI General Insurance has taken a proactive step by introducing a product: "Battery Secure Add On" This specialized insurance offering is designed to address the unique requirements of electric and hybrid vehicles.
What sets "Battery Secure Add On" apart is its comprehensive coverage of critical EV/HEV components, with a primary focus on the battery. This coverage extends to repair and replacement costs arising from various scenarios. For instance,

• If the battery is damaged as a result of an unexpected power surge while charging or Experiences consequential harm from a short circuit or water ingress, "Battery Secure Add-on” has it covered.

• Moreover, " Battery Secure Add On" goes beyond battery coverage alone. It recognizes that electric vehicles encompass a range of specialized components that differ from traditional combustion-engine vehicles.

• This insurance product also safeguards other electric-specific elements, such as the electric motor, ensuring holistic protection for the entire EV system.

Click HERE to learn more about the product.

Yes, we understand your problems, and the struggle is real when it comes to cars that stop suddenly, giving no hints of starting.
It can be a real deal when your lovely ride stops in the middle of a road and deny your orders to start. Having a car that stops suddenly can lead you to grave danger, especially when you are outside and need to go somewhere.
Interestingly, as easy as it is for your car not to start, similarly, there might be a principal reason behind the same. Therefore, let’s have a look at four common reasons why your car is not starting.

● Your timing belt is the real problem:

For those of you who don’t know what a timing belt is, it is an essential part of the car that is responsible for its effective running and performance. Your timing belt inside the vehicle is the primary reason why it keeps running and adapts to speed. Yes, gears do play a significant role, but the timing belt is what ensures that the engine’s valves open and close at the proper interval.
Therefore, your timing belt can be one of the most common reasons why your car has become idle and fails to start. A significant reason behind the same can be that the valves inside the timing belt and the pistons are not meeting each other at a said interval, failing to give you efficient results and movement.
Moreover, your timing belt is the major part that you should look after whenever you go for servicing. Having a timing belt that fails to keep up with the systematic opening and closing of the valves can lead to harmful damage to the engine. It is always advisable for you to change your timing belt at a regular interval of every 60,000 miles or five years (whichever is earlier).

● Your alternator might be the cause:

An alternator is that essential part of your car that is responsible for the effective functioning of all the electrical pieces of equipment that function inside your car. Its most significant function is to start the spark plug and essentially provide it with the spark that is responsible for the running of your engine.
Besides the successful starting of your engine, a failed alternator can also be the cause behind the failure of other necessary parts of your car. It is also linked with the plugs that power the headlight and therefore, you need to keep a check on your alternator as well, in case your car fails to start.

● Your battery might be corroded:

It is no hidden fact that cars perform majorly due to the presence of a battery inside it. The battery is responsible for running all the electric-based components of your vehicle and also plays a significant role in igniting your engine.
Corrosion on your battery can be serious trouble for you as it is like rust and will ultimately end up waiting away your car’s battery beside the other significant parts that are developed out of iron. We suggest you always keep a check on the health of your battery and its corrosion, every time you take it to a service centre.

● Are you sure your air filter isn’t clogged?

Similar to the other necessary elements of your car, the air filter might also be the cause that is failing your vehicle to start. An air filter plays a significant role in keeping up with the excellent health of the drivetrain of the car. It filters out all the harmful elements like dust particles to keep up with the smooth functioning of your vehicle.
An air filter is essential for your car to your car 'breathe'. A clogged air filter might also pose serious damage to the blockage of the exhaust pipe, leaving your vehicle to fail from the start.

With the onset of the winter months, the mercury drops, and so does the efficiency of your car if you do not maintain it well. Considering, you have invested a lot of money in buying your car and have chosen the best company to buy private car insurance in India and what not? So why neglect it during the chilly time of the year?

Cars require year-round maintenance to provide a smooth driving experience to the owner. After all, who wouldn't want that, right? Therefore, the following guidelines are prepared to guide you on how to take care of your car during the winter season:

● Heaters - Although a major part of India does not witness extreme cold weather during the winters, occasional chilly winds and low temperatures can tempt people to use the heaters in their car. What would be better than getting a good amount of heat after being outside in the cold for too long? That's why keeping a check on the heating system inside the car is essential.

●Starting the car - There is a general belief that the engine takes longer to warm up in the winter due to the surrounding low temperatures. Up to a certain extent, this is true. That's why people leave their car engine running for a while before driving. But that does not help much. The engine warms up after you drive, so it is best to take it out at regular intervals. As a result, you can make sure that the fluids are moving around efficiently, and the condition of the car does not take a hit in the cold weather.

●Fuel tank - If you live in extremely cold areas like those in the North which tend to receive snowfall, you must always keep your fuel tank full. If petrol or diesel is filled enough, the accumulated water can be prevented from freezing inside the tank, thereby saving your car from potential fuel damage.

●Engine oil - Engine failure is a common problem during the cold months. For the enhanced performance of your car, check the manuals that came along with it and use the mentioned engine oil so that the chances of any mishaps decrease. Also, maintain a certain minimum limit of oil and ensure that oil does not reduce past that limit.

● Windshield wipers - Apart from engine oil, windscreen fluid is something you need to keep full. Due to fog or light snow, the visibility of the road ahead of your car decreases. If your windshield is not clear either, you will face a tough time driving. That is why we recommend maintaining the cleaning fluid as well as the proper working condition of the wipers.

●

Tyre checking - A lot of people might be unaware of this fact, but tires need to be changed with the weather. Especially in the northern parts where temperatures tend to drop to an extreme. Winter tires are built in such a way that they remain firm to the ground and maintain stability even in low temperatures. Even if there is no snow, these tires provide ease and smoothness in situations like applying brakes and taking a turn on the road. Also, ensuring the air pressure of the tires is a wise decision as driving around with less pressure can lead to premature wearing out and chances of accidents or collisions increase.

●

Servicing - If you have little or no knowledge of how to maintain your car during the winter, just contact the authorized service centres of the company or other trusted service providers that can take away your burden and ensure the good condition of your vehicle. This way you can attain a feeling of satisfaction that any problems existing already would be taken care of and further possible damage can be avoided. While a lot can be done, sometimes the breakdown of a car is inevitable. In such cases, availing private car insurance in India will help in keeping the expenses in control.

For today’s generation, long working hours, irregular sleep schedules, take-out meals, and an unhealthy lifestyle are becoming the new normal, impacting their everyday lives. An evident proof is an increased need for medical attention, which makes health insurance an obvious necessity.

With the 5G advancement of the mobile network, we trust the internet to provide us with faster and accurate information about everything, including health. Fortunately, so do the majority of health insurers. They rely upon the internet to offer a convenient, cost-effective, fast, and secure platform for their customers to buy online health insurance.

Why is online health insurance better? People still hesitate with the idea of online money transactions due to the possibility of fraud. But, this doubt holds no good if you are transacting on official websites of reputed insurance companies. Plus, the multitude of benefits that online policy portals bring is impressive. You get a better level of transparency than what any agent can provide you. You can also compare many websites for online health insurance before you finalise one.

The internet takes the whole idea of saving time to the next level. A few minutes spent online comparing different policies and their features is more convenient than visiting agents.

Health insurance companies are offering online buyers with exciting incentives to encourage more online health insurance purchases. As you buy directly with the insurance company, they save on intermediary costs and commissions to the agents. Therefore, online health insurance works out to be significantly lower.

Things to consider while buying an online health insurance. The most popular insurance isn’t necessarily the most appropriate one. The requirements and expectations of every person from their health insurance differ. To find the best plan for you and your family, consider the following factors:

• The number of members in your family that you want to insure

• Their age, diseases they suffer from, or if they frequently require medical attention

• The place you live, and the health factors associated with that place

• Your average medical expense

• The expected amount of cover

Note – The premium you pay is based on your current financial situation and family income.

How to buy health insurance online?

1. Visit the website of the desired insurance company.

2. Enter your requirements and the personal information of you and your family.

3. You will receive multiple quotes. Select the most suitable for you.

4. Enter your account details and make the payments of the required amount.

5. You will receive confirmation and the details of your policy via email.

6. Congratulations, you are now insured.

The best insurance agencies provide complete transparency so that customers make informed purchases. In addition, insurers strive to facilitate the best plans, give a shedload of options and a hassle-free experience by integrating the latest technology.

Often people make the mistake of buying the same policies as recommended by their friends and families. This may create financial stress on your family. Always have the right due diligence because your lack of knowledge might prevent you from enjoying all the features of the said policy.

With several promising technologies to enhance consumers' use and experience, take advantage of picking out perfect online health insurance for you and your family.

Know more about the Health Insurances available, click here…

Travel is like hitting a reset on the mundane flow of life. It is a breath of fresh air a amid hectic schedule involving tedious work. Refocusing efforts on personal growth rather than material success to prevent burnout and enhance productivity has allowed young professionals to take holiday breaks, explore the world to develop new perspectives, and take on new challenges.

While travel opens up a new world of possibilities, cultures, and experiences, one should never neglect uncertainties. Accidents are an uncertainty in life that one must always prepare for. Often forsaken since they are rare occurrences, irrespective of scale, they leave the victim with pain, financial burdens, and sometimes, lifetime disabilities.

Although you can't prevent accidents, you can be prepared and protect yourself against allied financial losses by buying personal accident insurance India. If you are an avid traveller, here's why you should consider purchasing personal accident insurance India before setting on your next journey.

What is personal accident insurance India?

The severity of accidents is often undermined due to their infrequency. However, irrespective of the cause of the accident, they may lead to accidental deaths, bodily injuries, or disabilities. Personal accident insurance India seeks to insure the policyholder against the financial losses arising from specific accidents that health and life insurance exclude.

Why should travellers purchase personal accident insurance India?

1. Stress-free travel: Exploring new lands and getting a taste of new experiences is best enjoyed without additional stress. Personal accident insurance India protects against accidents you may encounter while on your globe-trotting adventure. Check the fine print of your policy to ensure that your insurer covers accidents occurring abroad. If not, make sure you buy additional specific coverage for the same.

2. Medical compensation:
With medical inflation reaching record heights, healthcare services are costly across the globe. Depending on your preferred destination, you may have to shell out more if you need medical attention due to an accident. Personal accident insurance India covers hospitalisation and allied medical expenses, lifting the financial burden from your shoulders.

3. Additional benefits:
Apart from the medical compensation offered to the policyholder, their family can avail of family transportation allowance, children's education allowance, loan protection services, etc., to shift the burden from the policyholder.

Types of personal accident policy coverage.

1. Accidental death cover:
In case of the insured's accidental death, the nominee receives 100% of the total insured sum stated in the policy.

2. Permanent partial disability cover:
This insurance plan acknowledges disabilities that limit the functioning of the person. For partial disabilities like the loss of specific senses or body parts, you can claim up to 100% of the insured sum.

3. Permanent total disability cover:
Accidents that lead to the loss of essential body parts like limbs that directly impact the insured's ability to return to normal activities make the nominee/policyholder eligible to claim the assured sum.

4. Temporary total disability cover:
Where accidents impair the policyholder's ability to return to regular activities temporarily, the insurer pays a specified sum during the rehabilitation period in the form of a daily or weekly allowance to meet EMI payments, general living expenses, etc.

Exclusions of personal accident insurance.

Before purchasing personal accident insurance India, you must be aware of some of the main exclusions not covered by the policy:

● Natural death

● Pre-existing disability or injury

● Suicide or self-injuries

● Influence of intoxicants

● Acts of terrorism

● Engaging in criminal activities

Encountering an accident is not predictable. Purchasing personal accident insurance protects the policyholder against many accidents, including travel accidents. To protect yourself and your loved ones from unknown risks and travel stress-free, buy personal accident insurance India at the earliest from your preferred insurer!

Click HERE to buy personal accident insurance India policy.

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

COVID-19 vaccines strengthen our immune system, and help it recognize and combat the coronavirus. The type and frequency of doses vary for different vaccines, however, beneficiaries are advised to take two shots of vaccines currently available in the country. Post vaccination, it generally takes a minimum of two weeks for anyone to build immunity against the virus.

Key Information and COVID-19 Vaccine Advisory:

• From 1st April 2021, all individuals over the age of 45 (irrespective of co-morbidities or pre-medical conditions) are eligible for the COVID-19 vaccine.
• Beneficiaries are requested to complete all prescribed doses of the vaccine.
• As per medical experts, post-vaccination effects (nausea, mild fever being the most common) are normal.
• Even after vaccination, all safety measures for COVID-19 are to be strictly followed at all times, including social distancing and wearing masks.
• The duration for which the COVID-19 vaccines are effective and its efficacy against the new strains of the virus is still unknown. Hence, it is absolutely essential to not let our guards down.
• We urge you to not be misled by fake vaccine marketing / promotions, as it is not available in open markets yet.
• Do not attend a vaccination appointment if you are self-isolating, or awaiting COVID-19 test results, or are unwell.
• Research efforts are ongoing for knowing how many people should get vaccinated to attain herd immunity (which means enough people being vaccinated making it tough for coronavirus to spread from person to person). Hence, rumors about herd immunity being already attained, should strictly be ignored.
• To know more about the vaccines, please download the CoWIN App, or log on to www.cowin.gov.in. You can also visit the Ministry of Health and Family Welfare (MoHFW) website (www.mohfw.gov.in) for regular updates about COVID-19.
• For any queries, call the Government helpline number 1075 or +91 11-23978046.

Cost and Availability of COVID-19 Vaccine:

• Vaccines are available at different government hospitals for free and at private hospitals at a price of INR 250 per dose.
• The COVID-19 vaccination providers cannot deny any individual above the age of 45 to get themselves vaccinated, except for reasons best known to medical practitioners.
• The government is currently working on making the vaccines widely available for everyone at no cost in the coming months.

Ever imagined what the three magical words for people with jobs are? It has to be, “Salary got credited”. But the actual happiness comes in when you get an increment in your current salary. Getting a salary raise after years of hard work is a significant milestone in life. After constantly working towards achieving your goals, earning a salary hike is a moment to celebrate, even if it’s small.

Once your source of income increases, your expenses also go up simultaneously. In addition to this, your taxes inflate too. Unless you have a proper financial plan, things might take a toll. But, not to worry, here are a few essential steps that you can implement after getting a salary increment.

1. Clear all your debts – no more instalment reminders:
Before you start spending more, it is important to clear the outstanding dues. If you plan to purchase something new on credit card or instalment, you must clear your loans or ongoing EMI. This will ensure that you don’t end up in any financial burden or unnecessary late payment on your existing loans. Once your dues are paid, your financial responsibility will automatically lower down, meaning you can spend extra on your next vacation or upgrade of your car!

2. Review your general insurance plans – improve the quality of life:
Life is unpredictable; you never know what another day may bring. The previous insurance might not be enough to fulfil your current financial needs. As your salary increases, you want to make sure that you secure the future of your loved ones by saving adequate funds. Insurances could be multiple such as your life insurance plans, motor insurance, general insurance plans, or your health insurance. Make sure you increase the budget of your coverage with more features for the better financial security of your family.

3. Make effective tax planning – be a super saver:
No one can neglect the taxes. As a responsible citizen, you are obligated to pay a certain amount of income tax on your earnings, depending on your income. After an increment, your taxes will also increase. Unless there’s proper planning, you might end up paying heavy taxes, which you could avoid by investing in financial instruments. For example, you can invest in life insurance plans, mutual funds, stocks, etc. Under the law, the taxes will not consider the fees you will pay for your insurance.

4. Work towards increasing your net worth – get ready to grow more:
Securing your money for long-term benefits is one of the wisest decisions. As your source of income increases, your standard of living improves. Your hobbies will change as you want to travel, learn new courses, or provide all the facilities to your kids. However, this cannot happen if you simply earn and spend. You can decide to invest in properties, gold or SIPs. Depending on the risk you can bear, ensure to invest in balanced funds, equity, or other market-linked funds.

After years of hard work, you feel more motivated at work when you finally get recognition. Always hold on to this motivation and work with dedication to justify respect and financial security. Since maintaining a sensible lifestyle should be your priority, ensure you get protected with a robust general insurance plan to gain extra benefits for you and your family. As it is rightly said that hard work has no substitute, you need to sweat and exploit your capabilities to conquer the milestones you’ve set for yourselves.

Click HERE to know more about the general insurance plans available.

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 process of self-quarantining must be wearing you off with an increase in social distancing. The new normal routine comprises a couple of video calls, work from home, binge watch-eat sessions, and peace of mind.

Benefits Of Working Out During COVID-19

No wonder that COVID-19 changed our way of normalcy. Be it the transition into virtual conversations over weekend plans. The real issue arises when it comes to motivation; pushing yourself the extra mile isn’t as simple as before. In the comfort of home, possibly, you feel you need to recreate your mini gym experience. Don’t worry, even if your experiences are not as vivid as swimming or hiking with friends; nevertheless, it is appropriate for your overall health.

The next issue is regarding the time slot, as the decision weighs more on “should” instead of “want.” Setting up a workout schedule is a simple priority task. It isn’t as important as global hunger or youth unemployment but positively impacts your physical and mental health. Even half an hour of workout motivates you to stay energetic throughout the day and lets you focus on other elements.

Daily workout sessions help curb depression, diabetes, high blood pressure, and provide a stress-free life approach. During these uncertain times, take charge of your life by investing time to workout. For your empowerment, Magma Insurance brings in the best general insurance plans. Compare and choose among the policies relevant to you. General insurance includes insurance for different coverage such as fire, marine, accident, travel, and other related non-life insurance.

Exercise Plan To Stay Motivated

Amidst the chaos of being laid back yet managing it all from home, diving straight into an intense workout regime isn’t typically what you need. Make a workout plan based on your energy level, existing health issues, and available time in your schedule. Start small, gradually build-up on successes. Magma Insurance general insurance plans help you stay motivated while covering up for you against calamities.

Prioritize Your Workout

Maintain your workout routines just as you would stick to your appointments. Instead of feeling out of time, keep a separate schedule for workout. So you instead finish off your workout session and move on to other important work. A burst of exercise stimulates your mind and pushes you through the rest of the pending tasks.

Do It At Your Own Time

Perhaps, setting a time for your workout schedule doesn’t seem much of a task but following it is. Some people find it immensely energizing to set up a long term exercise routine in the morning. As after finishing off, it sets a positive tone for the day. Others prefer evenings to get charged and end the day by shedding off kilos of worries. Magma Insurance general insurance plans are here to wipe out your concerns about any mishap during these unprecedented times.

Track Your Specific Workout Goals

Set in goals to hit your overall target, rather than merely aiming for a better shape. For instance, 30 minutes cardio session every day can not only boost positivity but also help you attain your desired body image. Keep track of activities via one of the many fitness applications that measure factors such as duration of your workout, distance covered, efforts to aim daily goal of steps, and heart rate.
Workout sessions include proper usage of equipment. Even at home, wear good shoes, tight clothes to ease you through your adaptive phase. Consult a doctor if your health issues interfere with your workout session or if you witness any other effects due to work out. Give your body an adequate amount of time to adjust and improve. To avoid any hassle and stay secure, try Magma Insurance general insurance plans.
Instead of sitting idle all day, binge-watching your favorite show, or on meeting calls, try walking around the home. Clean your pod, scrub a sink, or water your plants. Do squats or lunges or jumping jacks in between breaks.
Magma Insurance general insurance plans are the new age insurance plans which cut down the excess paperwork, seamless communication, easy investment, and claim process.

A motorcycle helmet is one of the essential pieces of a rider’s protective equipment. Helmets reduce the risk of death by protecting the rider from the severity of head injuries. When purchasing a motorbike helmet, giving safety priority over looks is the best approach.

While there are a variety of helmets available, we'll talk about the two specific ones, i.e., Full face & Modular. In this article, we share the plus and minus of each to help you decide which one to go for.

1. Full Face Helmet: A full-face helmet entirely covers the head. It has two openings: one at eye level and one at the neck. It is shielded by a movable, clear visor. The chin bar is the band that wraps around the bottom of the visor. The part of the shell covers over the lower portion of the rider's head.

Pros:

● The chin bar integrates with the rest of the helmet's body. This makes the full-face helmet stronger than the modular type.

● Riding with a full-face helmet gives you the best shot at escaping severe injuries.

● Modern-day full-face helmets include a visor that can be lifted to clean it or get some ventilation.

● These helmets don't have visor lifting mechanisms, thus making them lighter.

Cons:

● They lack ventilation. In hot conditions, riders can find this a significant minus point as it can make them sweat extensively and cause itching.

● Some riders, especially claustrophobic ones, find the full-face helmet inconvenient.

● Full-face helmets have visor fogging problems during cold or humid conditions. As the lower part of the full-face helmet cannot move, it’s difficult to wipe the fog.

● Riders with glasses can have difficulty finding a full-face helmet that fits properly around the face.

2. Modular Helmet: A modular helmet is a kind of similar to a full-face helmet at first glance. But upon looking closer, you will spot a movable chin bar. This is useful when riders want the protection of a full-face helmet when riding but prefer the flexibility of opening the helmet up at any time without taking it off completely.

Pros:

● It protects like a full-face helmet and has the breathability of an open-face helmet.

● Riders get the option to open the front portion of the helmet to enhance ventilation, especially if they ride in hot conditions.

● Very helpful for those whose job requires communicating at frequent stops, like food delivery and courier people.

● Riders who use glasses find modular helmets more comfortable.

Cons:

● As the chin bar is not part of the body, it’s not very sturdy. A modular helmet will not provide the same facial protection as a full-face helmet in an accident.

● They are heavier and bigger due to a visor lifting mechanism.

● If your visor is lifted, strong winds while riding can take off your helmet if you haven’t buckled it tightly. This can cause catastrophic scenarios for you and others around you.

Now that you understand the pros & cons of each type, consider the safest two-wheeler helmet that protects you from possible impact. Choose the one that fits your needs and go for it. Just relying on helmets and safety gears for protection is not sufficient. Buying bike insurance further protects you from financial worries during a fall or collision. Buying bike insurance online is most convenient as the process involves minimal paperwork and gets you a lower premium.

Click HERE to buy bike insurance online today!

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.

Life has been kind of different in the past two months, with minimal exposure to the outside world. Indeed, one crucial part of everyday life that we all miss is going to our offices. As work from home became the norm, meetings that happened in client’s conference rooms were replaced with e-meetings. The lunchtime chatter was substituted with a discussion of pending daily chores. While few may feel that work from home had perks like hot home-cooked meals for lunch (cooking at home became a compulsion for our safety), and the casual Friday clothing all days of the week but nobody will disagree that economy is suffering.

While COVID-19 may have altered our lives, but, it is crucial to get back to business. We must try and become better than earlier so that business of business, living and fighting Corona Virus can go on together. Pre-caution, vigilance and immunity/preparedness are the key operating sentiment. Some of these skills that we acquired as part of evolutionary growth will become sharper.

As we plan to get back, we will need to re-establish our routines. Your travel companion, your vehicle deserves your attention It is “it” that will run and literally carry you for business. After months of being out of focus, it is time we brought back the lights. Before you go out, here is a mandatory checklist for you to perform at least a couple of days before you start - Check whether your insurance policy is still valid. In case your policy has expired during the lockdown, do not worry. Just click on the link below to renew your Motor policy. (Provide renewal link)

Give a nice look to your vehicle form all the sides and see if there is any accidental damage. In case you find one immediately reach out to us. Also check for leaks, corroded fittings, rotten hoses or compromised seals. In case you find any immediately contact the car service centre for remediation.

- Ascertain whether your vehicle battery is charged or not. You will not be able to self-start the vehicle if the battery is dead. In case it is do not worry, our road side assistance program is there to help the customers.

-Check tyre air pressure and avoid ride disturbance that could happen due to inadequate tyre pressure. Do you see flat spot the spots that come on the tyre, if a vehicle sits for too long. Weight of the vehicle causes flat spots on the tyre where the rubber meets the road. While it may not be a cause if immediate concern but it does impact the tyre in the long run.

Agree that you couldn’t clean your car and dirt has piled up on the surface but hold. Don’t wipe the surface directly with a damp cloth. Ideally we should remove the dust sing a dry cloth or with an air pump otherwise using the damp cloth will cause swirl marks.

Clean the wipers with a damp cloth and avoid damage to wiper and windscreen

Check your running lights. Activate turn signals, headlights, brake lights, and high beams to ensure they are functional.

Now that you have reached a stage where everything mentioned above checks a tick on your list it is time to go for a quick spin. Take your car out for 20-minute drive close to home. It will loosen everything up and evaporate the moisture in the exhaust and in the engine. It will also give you a chance to listen for any rattles and engine misses while keeping an eye on the vehicle's gauges for abnormal engine temperatures, battery charging, and oil pressure.

Immunity is your utmost strength which makes your body work properly daily. However, along with age and time, the immunity system starts getting weaker depending on your lifestyle and many other factors.

But the only way to have a long life expectancy is by staying fit, and for that, you need to have the ability to combat all types of health risks. According to research, almost 21% of the population of India have low immunity.

Keeping the present scenario in mind, it is always better to buy health insurance online India as at some point in your life; you are going to need it for sure. And it is better to stay prepared for all types of tough situations beforehand.

The only way to maintain strong immunity is by leading a healthy lifestyle and having a balanced diet every day. However, here comes a small list of tips which might help to strengthen your immune system to combat health risks:

Exercise regularly

Exercising regularly is one of the best ways to stay fit. It will control your body weight and blood pressure. The thyroid is quite common these days, and low immunity is a significant reason behind that.

Exercising regularly is one of the best ways to stay fit. It will control your body weight and blood pressure. The thyroid is quite common these days, and low immunity is a significant reason behind that.

Doing some cardio exercise or yoga just for 20-30 minutes a day will improve the blood circulation and the flow of lymphatic fluid. Besides keeping you active throughout the day, exercise, yoga or a small jog will help you to reduce stress too.

Eat fruits, green and leafy vegetables.

Most of us have a terrible lifestyle in the present condition. We are dependent the most on fast foods and junk foods, and that works enough to ruin our health. Green vegetables are enriched in antioxidants, minerals and proteins. And besides that, leafy vegetables provide a healthy gut which strengthens the immunity and regulates it accordingly. Also, the citrus fruits play a significant role here as it is rich in Vitamin C, which keeps the immune system strong.

Minimize your stress

Your body can combat all types of health risks if you do not force it to fight with stress at the same moment. Stress is a primary reason behind heart problems, high blood pressure and depression. Just stop overthinking right at this moment and start practising meditation for at least 20-30 minutes every day. Exercise at least 5 days a week, go for a walk either in the early morning or in the evening, read books, listen to music and spend some quality time with yourself. Combat stress first as that is the crucial step to stay healthy.

Get adequate sleep

Insufficient sleep causes inflammation and lowers your immunity power to fight diseases. If you are facing trouble to stay asleep or to fall asleep, consult with a doctor immediately as there can be an ample number of reasons behind it except stress. Try to sleep at least for 7-8 eight hours every night. Avoid smoking or using any electronic device before going to bed. Keep aside your mobile at least 30 minutes before falling asleep as it helps to maintain the peace of your mind.

It depends entirely on you, whether you are willing to maintain a healthy lifestyle or not. But it is still better to buy health insurance online India to stay on the safe side.

Having a robust immune system will let you avoid most of the deadly diseases and the health issues which arise in all of our lives due to ageing. And besides that, being slightly careful can offer you several health benefits and can help your body to stay healthy for a long time too.

Not only buying insurance online but renewing it online as well is also possible and is very important at the same time. You can renew two-wheeler insurance online and the whole process is hassle-free along with being very less time-consuming. Renewing your insurance online will help you in continuing the coverage and benefits you receive under your current bike insurance policy.

Some of the benefits that you get when buying two-wheeler insurance are: -

● The insurance will save you from heavy expenses that occur due to natural disasters like fire, earthquake, landslide, flood, storm etc.

● The policy will also protect you from theft, burglary or accidents that are caused by humans.

● Third-party insurance which is mandatory as per the Motor Vehicle Act ensures the owner that the insured vehicle is free from any third-party liability that may arise if the insured vehicle is involved in an accident.

● Insurance Cover in Foreign Land will make the insurance company liable to pay for damages that occur to the insured vehicle outside the Indian territory as well.

● Having your vehicle insured will also save you from any penalties that you may face if you do not have two-wheeler insurance that is mandatory by law.

Once you buy insurance for your bike or any other two-wheelers, it is necessary to keep a check on when the insurance expires. It is always good to get your insurance renewed before it expires so that you may not face any difficulties in case you are travelling.

Benefits of renewing two-wheeler insurance online.

You can go to the office of the insurance company from where you purchase your insurance from, or there is a much simpler and better method to get your insurance renewed. Insurance policies are renewed online as well and there are many benefits of renewing your two-wheeler insurance online. some of them are: -

● NCB or No Claim Bonus is another benefit that the insurers are entitled to if they go throughout the year without any claim for the year. The benefit of NCB is available in various percentages, and even if you switch your insurance provider, you get an outstanding benefit which is that you can get your NCB transferred to the other insurer.

● Renewing your insurance is not only money-saving due to a lot of deals present online but also time-saving because you do not have to go through an exhaustive process of researching where to get your insurance renewed.

● Setting up an online insurance renewal system for your two-wheeler will save your efforts in future because next time you won’t even have to step out of your office or home to get the insurance renewed for your bike or any other two-wheeler.

● Along with all these benefits, you also get timely reminders to get you insurance renewed through the portals, and you won’t miss the deadline to get your insurance renewed. You also get to receive reminders of different discounts or offers available with online insurance renewal plans.

Online insurance renewal for your two-wheelers simplifies much of your effort and you can carry out the complete procedure of renewing your insurance from home only. The transactions for the renewal process can be carried out through credit cards, debit cards, net banking which are very safe methods of payments and you can rest assured that your confidential information will not be misused in any manner.

Coronaviruses are a large group of RNA viruses. It comes under the sub-family Orthocoronavirinae. Coronavirus virions are spherical to pleomorphic enveloped particles. The envelope is studded with projecting glycoproteins and surrounds a core consisting of matrix protein enclosed within which is a single strand of positive-sense RNA (Mr 6 × 106) associated with nucleoprotein. The envelope glycoproteins are responsible for attachment to the host cell and also carry the main antigenic epitopes, particularly the epitopes recognized by neutralizing antibodies. OC43 also possesses a haemagglutinin. The size of coronaviruses ranges from 26 to 32 kilobases. Most human coronaviruses fall into one of two serotypes: OC43-like and 229E-like. Coronaviruses cause acute, mild upper respiratory infection(Common cold) to more severe diseases such as Middle East Respiratory Syndrome(MERS) and Severe Acute Respiratory Syndrome(SARS).

Discovery of coronaviruses

The very first discovery of the coronavirus took place in 1960, the name of this virus comes from the crown-like spikes that it has its surface. The word corona came from the Latin word "Crown." The early discovered was an infectious bronchitis virus which was found in chicken's respiratory tract and then later in 1963 two more cases were discovered from the nasal cavity of humans named As Human Corona Virus 229E and Human Corona Virus OC43 as a result of zoonotic transmission (transmission of disease from animals to humans). Since then the cases have occurred in several other forms in minimal numbers. Many shreds of evidence in history state that corona has always spread from an animal to a human, for instance, SARS coronavirus (SARS-CoV) was transmitted from bat to a human being in china in November 2002 and caused severe acute respiratory syndrome(Infected-8,098 and Killed 774). That virus disappeared by 2004. Middle East respiratory syndrome(MERS) is caused by the MERS Coronavirus (MERS-CoV) which is also called camel flu was transmitted from camel to human in Saudi Arabia in September 2012(Infected-2,056 People and killed 862 people worldwide). But this time the scientist are having difficulty in identifying the animal responsible for COVID-19.

WHAT IS A NOVEL CORONAVIRUS(nCOVID-19)

Covid 19 means : CO = corona, VI= virus ,D= disease 2019.

A novel coronavirus (CoV) is a new strain of coronavirus that has not been previously identified in humans. Coronavirus disease 2019 (COVID-19) is defined as an illness caused by a novel coronavirus now called severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2; formerly called 2019-nCoV), which was first identified amid an outbreak of respiratory illness cases in Wuhan City, China in December 2019, which has a well-known seafood wholesale market, were a large number of people come to sell or buy live seafood; this market is also known for its wide variety of seafood. This strain of coronavirus was named COVID-19 on February 11 by the World Health Organization. Tedros Adhanom Ghebreyesus, the director of WHO, mentioned that they had to find a name that didn't point out any animal, geographical location, a person, or a group of people. The name should be easily pronounceable and had a clear relation to the disease. It's essential to have an impartial name so that other names don't get stigmatized. On January 30, 2020, the WHO declared the COVID-19 outbreak a global health emergency. On March 11, 2020, the WHO declared COVID-19 a global pandemic, its first such designation since declaring H1N1 influenza a pandemic in 2009.

How does infection happen?

COVID-19 appears to be spread via respiratory secretions when infected people cough or sneeze, similar to how influenza (flu) spreads. Currently, people at risk for COVID-19 include those who have been in close contact with infected people within 14 days before their symptoms began. The average time from when persons are exposed to signs of illness is about 5 days and can range from 2 to 14 days.

What are the symptoms of coronavirus?

People with COVID-19 have a fever, cough, muscle aches, headache, and diarrhoea, which are all symptoms similar to other viral infections, such as the flu. People who need hospitalization usually have severe pneumonia.

What are the prevention methods that we should follow?

1. Washing your hands with soap - every time you come from outside.

2. Social distancing of around 6 feet - so you do not get the infection.

3. Wearing a mask - this prevents the droplets from entering.

4. Living in a hotter environment - do not turn on your AC - the virus does not survive in hot conditions. Drink hot water/tea.

5. Cleaning and disinfecting the environment around you.

6. Take your medication for your illness - as COVID generally clings to your already existing illnesses and escalates it - this causes most deaths in diabetics, heart patients etc.

Insurance is proof of verifying your track record, living and financial status, assets, etc. And if you own a car, having car insurance in India is mandatory. The main reason is to fulfil the interests of your vehicle and how you can safeguard it in case of any accidents or damages. But while this is a consumer-oriented measure that provides financial protection against car damages, the motor insurance company takes stringent background checks before allowing the customer to proceed with the process.

Are you looking for answers as to why and how these insurers perform such checks on potential customers? This blog will answer all your queries and decode the details one by one.

• Insurance companies want to be aware of their customers, their identities, and mandatory details about them to serve their consumers in the best way possible. This also helps them improve their services, which is why they conduct background checks on their customers when required.

• Confirming the consumer’s identity is essential to ensure they are claiming their real identification. This will assure the insurance providers that they are not creating a profile and selling the car insurance to a fake name.

• We all see how scammers these days are getting ahead of the intelligence agencies and finding their way out to fraud people and steal their money, identities, etc. This is why background checks of consumers are essential to verify all their information through government-attested documents. Insurance companies have reported that they receive fake claims for third-party insurance and background checks provide a solution to this issue.

• One of the reasons for conducting background checks is to ensure that their policyholders’ identities have not been stolen through other means such as phone insurance, where the consumers have been scammed into revealing their identities to third parties, which eventually use the information to accomplish malicious tasks and activities.

• The insurance companies must abide by the “know your customer” and local and international anti-money laundering rules and regulations as per government standards. To follow these rules, they need factual information about no criminal activities and involvement, financial scams, money laundering, etc., associated with their customers.

• The background check also involves checking your credit score reports. A good score reflects that you have a good financial status and can repay your bills on time. This acts as proof of your spending habits, money-saving capabilities, etc.

• While issuing car insurance, your motor insurance company looks at your driving history and evaluate your driving record and its details. This assures them that you are a responsible driver and avoid any brazen or rash activities on the road. Such activities might endanger other people’s lives and vehicles on the road and put the road safety protocols at risk.

We hope these factors will help you understand car insurance and insurance companies’ protocols in a better way. Speaking of car insurance, have you considered getting online car insurance? Buying online is the smartest way of investing in insurance. Purchasing a policy from a reputed motor insurance company promises several benefits that protect your car against any damages and prevent you from venting your pockets.

Click HERE to know more about online car insurance.

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

If you don't drive often, you could believe you don't need the competence to change a tyre and may leave it to the mechanic. However, the "flat tyre" problem can happen to anyone at any moment, whether you're driving your car around the block or through highways. The process of changing a tyre is more straightforward than you may imagine. It is better to fix the flat tyre issue immediately before it results in an accident.

Also, remember another best practice to follow is to buy new car insurance. This will provide a considerable financial benefit if your vehicle meets with an accident and causes loss or damage to any third party's property.

Here are some of the most frequent problems encountered while changing a tyre are listed below.

1. Shifting while on an incline:
Get to level ground before pulling the jack out of the car and changing the tyre. If you try to replace the tyre while on a slope, the car can slide off the jack. Before you jack up the car and steady it, set the emergency brake. To prevent rolling, put wheel wedges in front or behind the tyres.

2. Lacking the required tools:
Most individuals don't examine the vehicle jack kit when they acquire a car and undermine the importance of a complete kit. Ensure you check the jack kit thoroughly before driving.

3. Having passengers in the car:
Consider the situation when you have to repair a flat tyre quickly, and you have located a suitable location to do it. Before the tyre-changing procedure begins, ensure all passengers, including pets, exit the car. This can help change the tyres easily as you remove obstructive weight from the vehicle.

4. Stuck alloy wheel rims:
Even seasoned drivers can get caught off guard by this one. Due to rust, alloy wheel rims that haven't been removed for a while may end up attached to the hub immediately behind where the tyre is located. You might need a hammer in the car, which you can use to hit the centre of the wheel covering the tyre. However, it is recommended to take the help of a professional mechanic.

5. Incorrect use of jacking points:
Every car has a few places on the underside that are intended to be used with a jack. Neglecting this part of a flat tyre replacement could cause damage to the automobile or cause it to fall off the jack. The owner's manual for your particular car model will include the proper jacking points. Always use those points to secure the jack.

6. Forgetting about your spare tyre:
Some vehicle owners heed it. An easy maintenance task is to check the spare tyre's condition every few months. If you need to put the spare tyre, do ensure that it is adequately filled and in good condition. If it's flat, weak, rotten, or fractured, it is of no help.

7. Impossible to unscrew wheel nuts or studs:
Even people with well-developed biceps may struggle with this. It might be relatively easy to manually free wheel nuts if they were excessively tight the last time you visited the workshop. Additionally, overtightening has the potential to harm threads permanently.

A flat tyre is a common occurrence that causes stress levels to soar. Take a deep breath and ensure you exit the road safely to prevent the risk of accidents. While there is no way to avoid a flat tyre, you can prepare for such situations by knowing basic car know-how. We also urge you to buy new car insurance since it covers the costs of an accident and financially protects your vehicle against the damages.

Click HERE to buy new car insurance policy.

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

The world only recently started reeling from the pandemic that took almost two years of our lives. Malls, cinema halls, and amusement parks have begun functioning at full capacity. This is the perfect time to meet people and renew old friendships.

If you're excited to plan a reunion with your college gang, peer groups, or family, then why not host a party at your home. This article is just for you if you want to host a simple yet fun party at your home.

1. Sort your guest list:

Creating the guest list is challenging. With limited seating inside your house, hosting a huge crowd becomes difficult. Prioritise the people that you want at the party. Try not to mix your personal and professional groups at the same party. Focus on choosing people who are capable of leaving their work behind.

2. Order food in:

Hosting a party can be stressful only if you decide to handle every aspect of the party. Everything can become overwhelming quickly. Ordering food is a smart way to eliminate the preparation time and effort that goes into making the food.
One thing you can do before the party is to ask the guests about their food allergies or preferences. Be creative with the starters. Most people fill up on the starters and barely try the main course. Opting for fun and unique starters is sure to set a benchmark.

3. Use paper cups and glasses:

It might not sound classy or elegant, but tons of fancy and quirky cutlery is available in the market. Opting for disposable plates and cutleries helps eliminate the whole washing and cleaning routine.
You can also rest assured that none of your bowls or plates is broken. Also, you allow yourself the time to focus on enjoying the party rather than killing the excitement under the stress of washing the utensils later.

4. Keep the bathroom clean:

We end up fussing about the decor, the cushions, the sofa, and that one corner behind the TV stand that nobody notices. But we often forget the essentials such as bathrooms and kitchen. A dirty bathroom or a kitchen is sure to leave a mark, and no matter how dolled up your living space is, a dirty bathroom will be the talk of the town.
Throw in a couple of extra towels and set up multiple tissue boxes around the house so that people have easy access. Use room fresheners and other fragrances to keep everything smelling fresh and fabulous.

5. Let others help you:

Being a good host essentially means letting everyone enjoy a party. If people offer to help you with food or decorations, accept it. This way, you are sharing the load and enjoying a mix of different ideas and options. This will help you tremendously at the last minute as you know that there are fewer things that you need to be worrying about.

6. Account for kids:

If you are hosting a party and the kids are also invited, then you might want to set up a room just for them. A few games, puzzles, or a TV running in the background can help keep the kids occupied. If possible, make a dining set up exclusively for the kids as it's not fair to expect them to hold the plates in their hands while eating.
Also, customise some of the food items for the little ones. Almost every kid loves food items such as pizza, nuggets and juices.

Follow the above tips, and you're all set to host the perfect house party. Making all the arrangements, decorating the house, and creating a positive ambiance before planning a party is fun.

We put so much thought into making our home the best place to live. Why not take some time to ensure its safety? After all, our home is our responsibility, and safeguarding it should be our priority. The best way to do this is house insurance. Magma HDI offers the best house insurance India with several benefits for the homeowners. Buy your house insurance today and be assured of comprehensive coverage against unexpected circumstances.

Click HERE to know more about house insurance India.

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

Road accidents can be dangerous, not just physically but mentally as well. The trauma of post-accident can be devastating and scare a person for life. Since an accident can involve a lot of gore, and even casualties, sensitive and weak-hearted people can take years to get over post-accident trauma.

Witnessing or even hearing of a road accident involving the loss of life or even injury to a close one is a disturbing experience. One can be too scared to drive again and may develop a phobia of sitting at the wheel. Vehophobia is the fear of driving that can take place after a road accident. It can significantly affect a person mentally and physically.

Knowing the effects on your life and vehicle, you should always buy motor insurance online to avoid problems later. While such measures are modern introductions, you can now seek help to overcome your fear of driving after an accident. You must take baby steps toward recovery and gradually return to the steering wheel.

This article will help you do that at the earliest with the following steps to overcome fears to drive again confidently.

1. Therapy:
Psychotherapy can help you a lot if you are dealing with accident trauma. Accident trauma can manifest itself as Post Traumatic Stress Disorder (PTSD). It can prevent you from driving again. Your therapist can help you get to the root of your problems. They will also use coping mechanisms to help you drive again. Cognitive Behavioural Therapy, or CBT, is the most effective tool to help with your recovery. It can help you move past your trauma and anxiety.

2. Be a passenger:
To help you get used to driving again, start as a passenger first. You must get in a vehicle first. It will help you adapt to the look and feel of a moving car again. Ask a trusted friend or family member to take you along for a ride. You can also play some music to keep the ambiance lively and help keep your mind away from negative emotions.

3. Don't drive solo:
Do not go solo as soon as you think you are ready to return to the wheel again. Start diligently from a quiet area with no traffic. You can start in a parking lot or open ground before getting ready for the road again. You should also ask a trusted friend to accompany you at all times. If anything goes wrong, they can take charge.

4. Employ a driving instructor:
A driving instructor can do wonders in a situation like this. They not only teach you to drive but also help you get over your fears. The instructors will help you take the much-needed baby steps in overcoming your fear of driving. They can also help you with defensive and more careful driving tactics. By this, you can avoid accidents in the future.

5. Be kind to yourself:
The whole process of recovery can be frustrating. You will feel like giving up many times, but you must fight the urge to do so. As recovery is a long process, you should be kind to yourself. Let yourself heal at your own pace.

You need to remember these things before returning to the road after an accident. Recovering from a road accident is difficult but not impossible. Give yourself ample time to heal and grow out of it. During this chaotic time, you can stay financially secure. Buy motor insurance online to protect your vehicle from unexpected expenses due to damages.

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.

Over the last few years, we have seen an increasing number of people making various lifestyle changes. People are exploring different diet options like intermittent fasting, keto, veganism, low-fat diet, etc. Today we will look at the keto diet and its benefits and risks.

The ketogenic diet is an extremely low-carb diet with a high fat intake. It aids in faster weight loss and has thus, become a favourite in recent times. Keto drastically reduces carbohydrates and replaces them with fat. This dramatic reduction of carbs puts the body in a metabolic state known as ketosis. During ketosis, the body's tendency to burn fat for energy increases rapidly, promoting faster weight loss.

Now, let's look at the benefits of a ketogenic diet.

1. Reduced appetite:
Binge eating is a concerning habit that contributes to weight gain. Studies show that people who concentrate on protein and fat intake eat fewer calories than those who intake carbs. Low carb eating helps you with reducing food cravings.

2. Abdominal fat loss:
It's a piece of common knowledge that abdominal fat or more commonly known as tummy fat, is the most rigid kind of fat. Keto is effective in reducing abdominal fat and getting into a perfect shape.

3. Increased level of good cholesterol:
High-density lipoprotein is commonly known as "good" cholesterol. A keto diet improves HDL cholesterol. It further helps lower total cholesterol and bad cholesterol (LDL) levels. Lower cholesterol levels mean a reduced risk of heart attacks and improved immunity. These are just a few of the many benefits that keto provides. However, since Keto is instrumental in faster weight loss, it also comes with its own set of risks and disadvantages. Let's look at a few of those.

4. Muscle loss:
Protein is the key ingredient in gaining muscle. However, it is heavily dependent on carbohydrates for muscle development. Depriving your body of carbohydrates means that the protein is incapable of building the muscles. Which therefore results in significant muscle loss.

5. Kidney stress:
A high meat intake makes urine acidic, which increases calcium and uric acid levels. This is a potential cause of kidney stones and other health problems.

6. Dehydration and Discomfort:
Your brain is heavily dependent on glucose provided by carbohydrates for energy. In a ketogenic diet, the brain depends more on ketones. And the kidneys release electrolytes when insulin levels fall. These drastic changes in bodily functions can cause various symptoms such as constipation, nausea, headache, fatigue, etc.

These are some of the benefits and risks of following a keto diet. Although there are ways to research various kinds of diet trends. It is best to visit a dietician who can give you a detailed diet chart that is suitable for your lifestyle and body type.

Adapting to a new diet can come with various challenges and frequent visits to your dietician's office. While you are working on modifying your lifestyle, it is the wisest move to look up the best health insurance in India. By choosing the best health insurance in India, you safeguard yourself against unnecessary medical expenditure during medical emergencies.

Click HERE to know more about 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.

A regular motorcycle rider is aware of the everyday challenges of engine overheating, the exhaust getting clogged due to high pollution levels, and the electric wiring cracks after consistent usage. Besides these technical maintenance issues, you may face several obstructions to a smooth riding experience. While you can buy two wheeler insurance online and get immediate assistance for major problems, fixing the more minor issues can be confusing.

One of the most typical issues that two-wheeler riders face is extreme condensation of their speedometer and tachometer. While the majority of today’s advanced vehicles are equipped with premium instruments sealed much better against humidity and moisture, several models still face this issue.

Why does condensation occur in motorcycle instruments?

If you reside in a coastal town or a location with high humidity levels, you must face condensation problems with your bike. While four-wheelers have air conditioning to control the heat and humidity levels, two-wheelers still face significant concerns with condensation. The instruments in the two-wheelers are highly exposed to humidity and other weather conditions like rain, hail, snow, etc. The bikes often overheat due to prolonged hours of travel which can quickly cause condensation as the moisture from the environment can settle on the loosely sealed speedometer or tachometer.
Additionally, careless maintenance like washing the motorcycle with a high-pressure washer can lead to water entering several parts of the vehicle causing numerous complications.

Why is condensation on motorcycle instruments harmful?

If the covering on the speedometer or tachometer is not sealed tight enough, moisture can seep in, which can cause a blurred view of the dials. This condensation can be highly risky when on the road, as your knowledge of the speed and other technicalities about the motorcycle get compromised. This can confuse any rider as they need to know the appropriate pace to ride at and maintain it through their journey. While this issue can often occur, there is no need to panic as it can be fixed using some simple remedies.

How to avoid or get rid of the condensation on the motorcycle instruments?

1. If you spray water with a high-pressure pipe or washer to clean your bike, steer clear of the front area of the motorcycle that consists of the instruments.
2. If you choose to use water around the instruments while cleaning your bike, tape the meters with plastic or use a damp cloth to wipe the areas. Immediately wipe the vehicle dry to avoid water seeping into the electric system or engine.
3. If you are riding the bike during the monsoon and are caught amidst a shower, keep a dry cloth to dry off the vehicle.
4. Try to wipe the cover of the meters with a rag soaked with a bit of 90% rubbing alcohol. This is not a fool-proof method but may work for specific bikes.
5. Use a hairdryer at a moderate temperature to dry out the water droplets. Use the hairdryer from a distance to avoid any overheating.
6. Avoid opening or drilling any parts of the instruments as they can get further damaged. Ask for technical assistance from a trusted mechanic.
7. Go for a long, breezy ride. This ensures that enough wind passes through the instruments to dry off the moisture automatically.

On a conclusive note, it’s important to remember that condensation on the vehicle’s instruments is expected, and it is difficult to avoid. However, you must ensure you fix it using these few methods and prevent having a blurred view of the meters. Also, don’t forget to invest in two wheeler insurance online to protect your bike from unforeseen circumstances.

Click HERE to buy two wheeler insurance online.

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

The fuel prices have been skyrocketing and severely hitting consumers' pockets. With that, we see an increase in alleged fuel theft cases from the two-wheelers, making it even worse for riders. Petrol theft is a common problem faced by two-wheeler owners. Fuel theft is generally carried out by siphoning the petrol. The thief siphons the petrol from the fuel tank using a hosepipe attached to another vehicle or a storage container.

In this space, we will look at a few ways to avoid fuel theft from your two-wheeler.

1. Put a petrol lock:
An inexpensive yet efficient remedy to this problem is using a petrol lock. You can get this fitted onto your bike with the help of a local mechanic. The lock lasts for about 2 to 3 years, and getting it fixed barely takes five minutes. The cost ranges anywhere between a hundred rupees to two hundred rupees.
This lock adds security to your bike by avoiding any petrol theft. The petrol lock comes with a set of keys used to regulate the fuel flow. Once locked, the petrol flow is stopped, and you cannot move about unless it is unlocked.

2. Defensive parking:
Park your bikes close to a wall so that the fuel pipe is towards the wall. This makes it difficult to have access to the fuel pipe hence preventing the siphoning of the petrol. Although it’s difficult to always practice this method, one can be mindful of the placement of their vehicles in such a way that it hinders direct access to the fuel pipe.

3. Parking and garage facilities:
If you plan on leaving the bike for long durations, it is advisable to park your vehicles in proper garages or paid parking facilities. If you are someone who usually parks the vehicle outside the house, you must consider parking it in a more secure location that is away from trespassers. However, if you have to park outside, do so in a publicly accessible area. Thieves find it challenging to carry out these activities while under the public eye.

These are a few ways to prevent petrol theft from your vehicle. There isn’t much one can do to protect their vehicles from thieves, but taking note of the points mentioned above will prove helpful if you find yourself in a shady locality.

Another thing to note is that if you are someone who parks in a fixed spot in your office, gym, or other localities, then it becomes easy for the thieves to have access to your vehicle as they will be aware of your routine. So, switching up your parking spots can also help prevent theft. To ensure that your bike is not being subjected to petrol theft, keep track of your fuel level before parking the vehicle and look for scratches or damage in your fuel pipe.

If you notice any change in the fuel pipe or the fuel levels, it is best to take your vehicle to a mechanic and get the required changes done to ensure the safety of your two-wheeler. Before visiting the mechanic, look for two wheeler insurance India to safeguard your two-wheeler against incidents like theft, accidents, or damages due to natural calamities.

Click HERE to find out more about two wheeler insurance India.

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

No matter how convenient it is to own and ride a bike around the busy city streets, it comes with its own set of challenges. Even though two-wheelers are highly in demand today, before you decide to purchase one, it is essential to know about the issues you might encounter with them. Out of all the problems that motorcycle riders face, the gear not shifting properly while riding is the most common one.

The way you handle the gears can largely affect the quality of shifting in your bike. Some of the main reasons for poor shifting of gears in motorcycles are mentioned below.

1. Adjusting the shift pedal:
Factors outside of the engine can cause severe shifting problems. If you adjust the height of the shift pedal to your ankles, the linkage can be cramped against itself. As a result, the gear won’t fully engage on the final shift because the shift claw prevents it from pushing far enough.

2. Adjust the clutch cable:
There may be issues with the smooth shifting of the gear because the shift lever might become too stiff and changing the motorcycle's speed becomes challenging. This mainly occurs when the bike is cold and is caused due to the clutch cable. The locking adjustment needs to be readjusted, and pull the clutch lever a few times. You will notice a significant difference after.

3. Check the engine oil level:
Low engine oil levels can result in overheating of the motor, wear and tear of the mechanism, and a considerable amount of carbon deposits that can cause significant damage to your two-wheeler. These things damage various parts of the bike like its pistons, clutch plates, engine valves, and cylinder lining. Just as important as it is to buy bike insurance online, it is equally vital for you to check and renew the bike’s oil levels.

4. Inspect your motorcycle’s chain:
After years of riding the bike, the chain can become loose. It may have become loose for many reasons, such as rusting, etc. You need to clean the chain of your two-wheeler frequently using a cleaning agent or maintenance spray. Ensure you do this specifically after every ride you take along a muddy path or under extreme weather conditions.

5. Trouble with the transmission:
Another prominent reason for issues with shifting your gear could be caused due to a seized transmission gear. The presence of a foreign object between the gears may have resulted in a blocked gear. Some other possible causes for a seized gear are bent shift shafts or incorrect assembling of the transmission gears.
This issue will create resistance, and you won’t be able to change gears while riding or starting your bike easily. Get your two-wheeler examined by a mechanic to eliminate this resistance.

To sum it up, these are the few probable causes of poor gear shifting in your bike that you should inspect as soon as possible. Never delay or skip your two-wheeler’s servicing. Scheduled maintenance of your two-wheeler can protect it against internal damages and breakdowns. Get the servicing done at a trusted garage to examine all parts thoroughly and detect and fix if any flaws exist. Also, ensure that you invest in a reliable insurance policy for your bike. You may buy bike insurance online and avoid the unwanted involvement of intermediaries.

Click HERE to buy bike insurance online.

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

The breakthrough of the corona virus has led us to these challenging times. And staying healthy and disease free to prevent yourself from the virus is one crucial task. To prevent yourself from corona, it is advised to stay indoors. While staying indoors is the first step, you can’t be completely safe indoors without taking the safety measures that are needed to keep the virus away. Here are the safety measures that you must follow while staying indoors.

Maintain Social Distancing

One of the first steps to staying safe is maintaining social distancing. Maintain a distance of at least 1 meter (3 feet) from people facing issues like cough, sneeze, fever. However, it is advisable to maintain a distance from everyone, whether they show problematic symptoms or not. When you cough or sneeze, the virus travels to your body in the form of droplets from the other person. It is advised to stay at a distance and connect with your friends, family, and colleagues through technology like video calls, phone calls, and social media.

Disinfect your Belongings

The coronavirus's effect is widespread and can be infected not only from people around you but also in the presence of air. You are acquainted with using things that might be the cause of being infected with the virus. It is found that cardboard can hold the virus for 24 hours and on steel and plastic for 72 hours. This means everything you come in contact with, whether an order from amazon, zomato, or your belongings like phone, tablets, laptop, earphones, etc., need to be disinfected. Cleaning and disinfecting all your belongings from time to time is an eff

Boost Immune System

If you have a healthy immune system, you can combat the virus on the right level. For this, you need to boost your immunity. But how can you do it? You can easily do it by eating green and healthy vegetables and fruits. With this, ensure the intake of Vitamin C in your diet. If you are a tea freak, you should take ginger or lemon tea.

Hydrate Yourself

Drinking the required amount of water is always helpful in removing all the toxic substances that are present in your body. Make sure to hydrate yourself and drink 8-10 glasses of water every day. Say no to flavored drinks and caffeinated drinks like coffee and increase water and smoothies' intake .that keeps you healthy and hydrated.

Practice Respiratory Hygiene

You already know the coronavirus If it is spread through coughing and sneezing. When you cough or sneeze, the respiratory droplets infected by the virus are released. This is why you must cover your mouth and nose while sneezing with a tissue or handkerchief. If you don't have a tissue in place, use your hands, and wash your hands quickly.

Wash your hands frequently

Not only cleaning the surfaces around you but cleaning yourself is a must-follow preventive measure for the coronavirus. According to the Centers for Disease Control and Preventive Measures, you must wash your hands for 20 seconds with soap or liquid sanitizer in small intervals throughout the day. It is advised to use liquid sanitizers with 60% alcohol that effectively kills the coronavirus. Besides handwashing, keeping your face covered with a mask or any fabric is a must to prevent the virus from entering your body.

Seek medical help

Cough, cold, flu, and fever are the main symptoms for someone infected with the coronavirus. All the treatments for the coronavirus are conducted focusing on these symptoms. If you think you have been infected with coronavirus, observe these symptoms for 3-4 days and if not improved, seek medical help to get the right treatment at the right time.
We hope you are following all these preventive measures to keep the virus away. With the risk of coronavirus, it is important for you to have health insurance in India that keeps you at a safer place with the coronavirus and its treatment.

The New Age Insurance is evolving and we are seeing a lot of new age insurers entering the game alongside the traditional players

Pricing:

Traditional – Expensive as you pay for the operational costs
New age – Cost effective when the company is going paperless
Ease of Dealing

Buying

Traditional - As complicated as buying a house
New age – As easy as placing an order online

Communication

Traditional - As complicated as reading a report
New Age - As simple as reading an article

Claims

Traditional - Hurdles and bottlenecks throughout the process
New Age - Smooth sailing

Paperwork

Traditional - Maximum paperwork, more hassle
New Age - Minimum paperwork, maximum ease and convenience

Motorcycles require more maintenance than anticipated to stay up and running. Over a period, your bike tends to undergo severe wear and tear. One way to keep it functioning is by regular maintenance.

Oil leakage is a strong indicator of your bike being internally damaged. Figuring out the point of the leakage can seem like a difficult task, but there are a few methods that you can keep in mind to ensure your bike is not susceptible to oil leakage. The leading cause of oil leakage is worn-out oil filters. Broken seals in the oil filters allow the oil to escape, thus causing leakage.

In this article, we will discuss a few ways you can detect if your bike is leaking oil.

1. Filter cup:
A filter cup that is worn out or has misaligned fibres can cause the oil to spill out. The misalignment in the filter cup can be caused by improper tightening of fixing screws. Check for leakage around the cup, and if it is leaking from the bottom, tighten the hose clamp.

2. Carburetor:
A carburetor is an essential part of the engine. It controls the flow of air and fuel and assists in combustion. The bowl that holds the carburetor can cause leakage if it gets old and is incapable of sealing the carburetor properly.

3. Checking fuel levels:
Another foolproof method of figuring out oil leaks is checking the fuel level of your bike with a dipstick. After the bike has cooled down, take note of the dipstick levels. If you notice a change in the levels over time, there is a loss of fuel.

4. Clean the areas:
The most susceptible areas to oil leaks are oil filters, oil pans, filter cups, valves, and hoses. Detecting an oil leak is convenient by inspecting these parts. If you observe changes in these areas, there is a chance of spillage or oil leakage.

5. Use a cloth or a paper:
Putting a dry cloth or a piece of paper under the bike is another smart way to check for oil leakages. Leave these under the bike overnight, and if you notice any spots or stains, your bike's fuel is leaking.

6. Smoke from exhaust:
Sometimes you can tell about oil leakage by checking the smoke from the exhaust. While riding the bike, if you feel that the smoke coming out from the exhaust smells like burning oil, it is probably an indicator of oil leakage.

These are a few ways to detect oil leakage from your bikes. Leakage is usually an indication of improper maintenance and extreme wear and tear of your bike. To combat these problems and increase your bike's longevity, you must ensure your motorcycle undergoes proper care and regular servicing.

Problems like oil leaks can cause severe internal damage to your bike if left untreated for too long. If you miss out on these simple steps, you may have to replace various bike parts, which can be expensive. It is advisable to invest in a comprehensive bike insurance plan to avoid these extra expenses. By buying bike insurance, you ensure that your bike gets complete financial protection against any costs that will follow if it gets damaged due to an accident.

Click HERE to know more about 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.

Packing up and moving out can be a real chore. Uprooting your life from a place you call home and trying to fit into a new environment is also quite emotionally draining. Sometimes we do it for love, sometimes for a better future. Whatever the reason, relocating is always a challenge. Among the million things that have you at your wit's end, managing car insurance in India generally takes a backseat. However, just as you would tend to any other asset, taking care of your car insurance needs will hold you in good stead. Here are some tips to consider before you hit the road!

Notify your insurer about the move

We live in a digitally connected world. All it takes is a couple of minutes for you to shoot an email, drop a text or even call the insurer’s helpline number and give the details of your new address. It also makes it easier for your insurer to communicate with you regarding things such as renewal, processing a claim and most importantly, providing the service you’ve paid for!

Re-register your car

If you are moving across state lines, you must get your vehicle re-registered with the Regional Transport Office (RTO) of your new domiciliary residence. However, prior to your relocation, remember to get a No Objection Certificate (NOC) from the RTO of your previous residence for a smooth transition. Once you get your new registration number, intimate your insurance company immediately so that the records are updated.

Re-evaluate your insurance needs

Depending on where you are moving, you may face a change in your insurance needs. If you’re moving to a metropolis like Delhi, brace yourself for never-ending traffic and possible nicks and bumps. In such a scenario, you may want to enhance your coverage. Similarly, if you are moving to a city like Mumbai, floods during monsoons are almost inevitable, where opting for add-on coverage like engine protection becomes a necessity. Consider all variables such as traffic, average drive time, safety, natural calamities, etc. and see if you need better coverage.

Implications of the move

Your relocation in all probability will affect the terms of endearment with your insurer. For example, ‘zonal risk’ is a variable insurance companies consider for premium calculations, and your move will have a direct impact on your annual premium. At the same time, the service quality may differ too. Do all the previous benefits carry over? Does your insurer have a strong presence at the new location? Do they have a robust network of garages? Get answers to all your questions before the move.

Look at your best interest

Insurance is all about your financial security and peace of mind. So if you have even the slightest doubt, don’t hesitate to look for another option. If you’re worried about losing out on your No Claim Bonus, fret not. You could easily carry over your NCB to an insurer like Magma HDI and continue to avail of all the benefits you previously enjoyed and more. A policy like Magma HDI's car insurance also provides safety against third party liability, damage, theft and natural calamities, making it a reliable choice wherever you go.

The end of the monsoon season is in sight, and even before we know it, we'll be ready for the winter days. The monsoon can be visually stunning, but it's not necessarily ideal for your bike. Post-monsoon brings a completely different downpour of problems for riders. This season demands a keen and prompt response to ensure your bike is in the best possible condition.

Now that the monsoon season is ending, you should give your bike its due attention. In light of the foregoing, we have compiled a post-monsoon maintenance checklist to get your bike road-ready. In that case, why delay any longer? Let's get this article rolling and prepare yourself for a thorough maintenance regime of your bike.

1. Tyres are important:
Don't let the air pressure in your tyres drop below the levels suggested by the bike's manufacturer. Inspect them for minor cuts that usually occur due to poor road conditions and potholes which might lead to more serious problems, such as a blowout. Make sure you inspect the tread depth of your tyres weekly. Make that the wheels are properly aligned and balanced.

2. Maintain battery:
If you want the bike's battery to last long with few problems, you should have it serviced right after the monsoon. Put some distilled water into the battery if needed. Look into the possible battery leakages. The bike must be in proper working condition and devoid of battery leaks. You should keep the motorcycle's battery fully charged if you haven't used it in a while.

3. Inspect the air filter and the exhaust:
Maintaining the air filter clean during the monsoon season is essential when airborne dust can quickly accumulate and clog the filter. Maintain regular air filter replacement schedules and increase cleaning frequency, especially during the monsoon days, since dust levels may grow in the winter. Check the exhaust for any residue or dirt accumulation due to flooding roads.

4. Don't forget to check the brakes:
Wet weather increases the likelihood that your bike's brakes will become more resistant to pushing, making riding in wet conditions dangerous. Therefore, it is essential to maintain an appropriate distance between the brake and the tyre.
Brakes that are either too stiff or too slack present a significant risk. If you experience screeching noise, it may be due to an oil shortage, or the front brake pads you’re your attention.

5. Remember the engine oil:
After the rainy season, keeping your bike's engine well-oiled is crucial for optimal performance and reliability. Before setting out on a long trip, ensure you monitor the oil level and keep it at the recommended level. Keep an eye out for any oil leaks that may have occurred because of the wet weather.
When carbon deposits are present, oil thickens, making it harder for engine parts to move. You should know that unclean oil will cause your motorcycle to use more gas and dramatically shorten the engine life.

This checklist of post-monsoon maintenance will be your go-to guide to having a fully operational bike ready to take you for your desired exploration.

Getting your bike serviced and having appropriate bike insurance will ensure your bike is maintained properly. Buying or renewing your bike insurance isn't as time-consuming or expensive as it was. Modern methods have made it possible to buy bike insurance online in minutes. Get yours now!

Click HERE to buy the best bike insurance online 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.

Let's face the fact, who doesn't like to save money? Though many people see insurance as an unnecessary expense, it can still save your money and provide you with the financial security you need.

Motor insurance or vehicle insurance is an insurance policy that safeguards you financially when your vehicle undergoes damage or costs other people or their property. It's easy to buy motor insurance online and even easier to avail benefits that come with it.

So, are you looking for ways to save money on your annual motor insurance premium? We have put together some suggestions to help you save extra with your motor insurance.

1. Tax Benefits that you shouldn't miss: Most people invest their money into insurance when they land a job, as insurance policies have always been a popular tool for saving on income tax. But can an individual claim tax exemption for the premium paid on motor insurance? There is a small catch. If only the vehicle is in business use, the person qualifies for tax exemption on the premium paid for their motor insurance. Well, there is an exception here too. A claim may be made for a vehicle used for business and personal purposes, but it is time-bound. Meaning, the rebate is available for the proportion of time for which the car is being used for business purposes. So, for example, if a vehicle runs for ten hours per day, eight for business, and the remaining two hours for personal purposes. Then the taxpayer is allowed to claim the benefits from the insurance policy for the eight hours of business use.

2. General insurance benefits: People often prefer to deposit their money in savings accounts and avoid having insurance and paying the premium. The common factor they consider, if an individual doesn't claim their insurance during the valid period, all the premium paid is a waste. But, people don't consider the possibility that the amount claimed during an accident can be much more than the premium paid. And, in such instances, buying a good insurance policy is an intelligent choice.

3. Why buy motor insurance online? By choosing the right policy online, you can save a decent amount on the overall coverage cost. And, with your no claims during the policy period, you are entitled to a No Claim Bonus (NCB) upon the policy renewal. Everything can be managed online with ease, and additionally, your annual premium works out to be significantly cheaper.

4. Follow the motor vehicle legal requirements: It is a legal requirement to have motor insurance when driving on Indian roads. If you don't, you are violating traffic laws. Thus, having motor insurance saves you from paying enormous penalties. Moreover, since third-party insurance is mandatory, motor insurance can benefit the survivors in case of death during the accident.

Basic motor insurance is a legal necessity, and good motor insurance is a personal necessity regarding safety, financial security, and mental peace. One must remember that buying insurance comes with many advantages, and there is no advisory involved. Therefore, have the right kind of due diligence and pick the best motor insurance for you to save money.

Click Here To Buy Motor Insurance Online…

Being a mother is not easy, and if you are a working mom, it becomes even more challenging and overwhelming. Waking up every morning, dropping your kid at daycare, commuting to your office, working there for at least eight hours, buying groceries on your way back to pick up the kids, and going home again only to work more can be physically, mentally and even emotionally exhausting.

Managing your responsibilities to your child, your career, your social life, and trying to find some time for yourself at the end of the day is challenging and will leave you with a tiring schedule. The feeling of being stuck in an endless routine of stress and bare minimum sleep can adversely affect your health.

And in times like these, when you need more energy than ever, there are stories of a few inspiring moms who have proved that nothing can stop you from achieving any milestones in your life if you master your command over situations.

So, what is the secret to managing stress and having an efficient work-life balance for working women? Not just the work-life balance, it has to be the blend of both. Let's tell you how you can achieve that.

1. Involve your kids:
Many parents have the habit of starting household work only after their kid’s bedtime, which only delays things. So, do not be hesitant to complete your routine work even when your kids are awake. You will be surprised by how much time you can save this way. Sure, you can’t do everything with your kids around, but do not get delayed to do basic tasks.

2. Your partner:
Do not forget that your partner is equally responsible for raising the child and fulfilling their duty as a co-parent. Raising a baby alone is very challenging, so it is only understood if you and your partner share the work, like:

• Both partners should take turns dropping and picking up their children from the daycare or school.

• If you have a small baby who wakes up in the middle of the night, alternately wake up with it so both of you can get some rest.

• Love is all about caring and understanding. Cherish the most beautiful moments of life and team up with your partner to swiftly manage all the odds.

3. Bring your child to work (only if it is permissible):
Familiarize them with what to do. Allow them to understand and see your workplace. Introduce your children to your coworker’s kid. This is all very helpful.

The most important thing that you should never forget is to take out some time for yourself. Remember to prioritize yourself and your desires, too, because, in the end, if you feel miserable, there is no way you can take care of everyone else.

Even if you are feeling completely worn out, don’t skip meals or jeopardize your sleep hours in a day. Never compromise your mental or physical health for anything. Another crucial aspect that can keep your stress away and ensure your overall well-being is getting health insurance coverage for you and your loved ones. Stand a chance of getting exciting deals and incentives by buying online health insurance from insurance firms to keep the financial worries related to medical treatment at bay.

Click HERE to get online health insurance quotes.

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.

"I can't sit. I can't walk. I can't work."
"Ouch! My back hurts."
Is this you, rambling about back pain? Whether it is a one-day return or every two weeks, you need to know the reason behind your back pain and how quickly you can treat it before it's late!

Know the Cause
Strain
A strain occurs in your body due to over-activity like working for longer hours, incorrect lifting of heavy objects, and improper body movement. When this happens, you experience back pain.
Posture
Whether you are studying or sleeping, if your body posture is incorrect, it causes back pain. A bad posture can be identified when you are reading or studying while lying or bending at an extreme level than usual.
ArthritisArthritis is caused due to damage in the cartilage of joints in your lower back. If you have arthritis, you are already at risk of severe back pain.
Osteoporosis
Osteoporosis is the thinning of bones and loss of bone density. It causes small fractures in your vertebrae, which can cause extreme pain.
Disc Degeneration Disorder
It occurs when the spinal disc between your vertebrae starts getting damaged. At times, you can face a spinal disc problem after an accident or because of aging.
Serious Back Pain Symptoms Usually, back pain is caused due to bad posture and strain which last for a few days or weeks. You might be suffering from chronic back pain if it lasts for more than three months.
If your back pain fails to improve within two weeks, you should see a doctor.
But before seeing a doctor, know a few severe back pain symptoms that are asking you to seek medical help:
● Weakness in one or both legs
● Continuous weight loss along with back pain
● Pain in the abdomen

Let’s Treat
Medications

The first thing that can heal your back pain is medications. Whether it is a painkiller or an anti-inflammatory ointment, the application can do wonders and reduce your pain. Some of the best painkillers that can help you get rid of back pain are:
● Ibuprofen
● naproxen
One of the most preferred ways of healing our back pain is using ointments. These ointments are much more useful than painkillers. These ointments are effective mostly when you have back pain due to strain or bad posture.
Yoga
You already know how effective yoga is in curing diseases, and back pain is no less. Incorporating some yoga postures into your routine daily can help reduce and improve your back pain.
Heat Therapy
Heat therapy is considered useful in treating pain, especially the one that is caused by inflammation. You can try using heat therapy with hot water filled in a hot water bag and applying on the inflammatory or swollen area. You can also consider taking a hot water bath as heat therapy, which can improve your aching muscles. With a hot water bath, you can also boost and improve the pain by adding Epsom salt into the hot water while taking a bath.
Massage
Massaging the effective area with essential oils relaxes the muscles, which in turn reduces the pain. Research proves that essential oils reduce pain. Consider using lavender essential oil for massaging the inflammatory area.
Acupuncture
Acupuncture is an effective traditional therapy that can spot the exact pain points in your back and puncture them. This therapy is effective when you are suffering from chronic back pain. Seek a medical professional for this therapy to get the right results.
Surgery
Surgery is the last option for severe back pain if it fails to respond to medicines and therapy treatments.caused due to medical ailments like Disc Degeneration Disorder, Arthritis, etc. With surgery, doctors remove and replace the disks partially to reduce your back pain. Spinal fusion surgery is one such surgery. This surgery helps in combining the painful vertebrae into a single bone. The painful movement of the spine gets eliminated, and you feel relieved. Such surgeries
The right treatment at the right time can transform your life. Take advantage of the best health insurance in India and stay healthy.

Having insurance is like having a safety deposit. That means if anything goes wrong, you would not be at a total loss. Insurance policies from the leading general insurance companies in India minimize loss and damage by reimbursing you for the expenses incurred during any unfortunate situations.

A wide range of insurance policies, ranging from life to non-life, are available in the market. Life insurance, as the name suggests, is about reimbursing your family members in case you lose your life due to specific reasons. Non-life insurance, on the other hand, is also known as general insurance, which is for automobiles, housing, commercial, travel and other similar purposes. If you suffer a loss from either of them, the insurance plan can help you in recovering from the same.

The process to check the claims online

While filing the claims correctly as per the terms and conditions of the insurance company is essential but it is equally essential that you track and check your claim online to know about the status of the claim and take corrective actions as and when necessary.

• When you file your claim with the insurance company or the TPA, they will provide you with the receipt number or file number along with an acknowledgement of filing of the claim.

• Usually, the insurance company or the TPA specify at the time of filing the claim as to how much time they will take in processing the claim. This is usually capped at 90 days but can vary according to the company policies.

• To track your health insurance or life insurance claim, you need to register your updated contact details with your health insurance company or the TPA. Once you have filed the claim, the TPA will send you the updates regularly on your mobile number or email.

• Alternatively, you can log-on to the website or mobile app of the TPA or the insurance company and track the status of your claim. To retrieve your claim details, you must have the following details with you: -

· Policy number

● Claim number

● Date of birth of the insured person

Once you enter all the details and submit them, you will be able to check the status of your claims online.

Different claim status and the steps to be taken

Depending on the status of your claim, either of the following status messages would be displayed on the screen. You must take the necessary steps according to the requirements.

Under process: -If your claim is under process, then you need to wait for a few more days and then check the status online again.

• Issues/Details required: - If there are any issues with the claim, then it will be mentioned on the status page. You must get in touch with the insurance company or the TPA. They will be able to explain the problem in the processing of the claim. If any documents are required or any further details are required, you must provide the same to them at the earliest.

• Approved: - If your claim has been approved, then you need not do anything else. The payment shall be credited into your account within a few working days.

• Rejected: - If the claim has been rejected, you need to get in touch with the insurance company or the TPA to enquire about more details. If required, you will need to file your claim again.

Life is precious, and so are your belongings. It is the best to secure each of them right after purchasing as many general insurance companies in India provide covers for such belongings, thereby preventing you from being in a huge loss.

While being involved in sports is a pleasure, it also helps you achieve your fitness goals and maintain a healthy lifestyle. Being an athlete or a player, you simply cannot keep away from your share of cuts and wounds. However, you can reduce the risk of severe injuries in a few ways.

One can never predict the severeness of an accident, and hence only staying cautious won't work. You further need to cover yourself with individual accident insurance to enjoy the sport stress-free. Let’s mitigate ways to tackle them and keep you from encountering any severe injury;

1. Stretch! Stretch! Stretch!
Regardless of the kind of sport you are up for, warming up with some stretches is vital in keeping your body elastic and relieving muscle tension. To perform stretching after the game is just as important as doing it before the game. Post-game stretches relax the muscles and eliminate the chances of muscle fatigue.

2. Maintain a healthy diet:
The ideal time to start maintaining a nutritious diet is at least two weeks before the big game or your practice sessions. Besides consuming a balanced diet every day, consult with a sports nutritionist for specific guidance. Since food plays an essential role in your overall strength formation, this is a crucial step to keep you healthy.

3. Make sure you stay hydrated:
Hydration is a must for every action you carry out in your day-to-day life; similarly, staying hydrated during the game is essential. Prevent cramps and tiredness by taking time to drink water in between and be sufficiently hydrated. Water will catalyze your metabolism, keep your brain and muscles alert and impart energy to you throughout your game. This will help lower your chances of injury since staying active will keep your focus.

4. Get ample sleep:
Inadequate sleep causes your reflexes to slow down, which might lead to disastrous mishaps. Getting adequate sleep is not only required for sports but also in our regular life. A clear mind is the ticket to attain focus. And that is only achieved by getting mental and physical rest.

5. It is obligatory to have protective gear:
Having the proper protective gear is just as crucial as anything else. You should wear appropriate gear for each sport you participate in. Also, the gear should be correctly fitted. Consult with your trainers to ensure that your equipment is properly-suited to you and meets industry standards.

6. Obey the guidelines:
Many sports-related injuries can be prevented if you follow the proper guidelines. Guidelines also make the sport more demanding and entertaining while ensuring that nobody gets hurt.

7. Consult Sports Physiotherapists before the big event:
Besides the above tips, a sport physiotherapist further helps you assess and treat injuries related to the sport. His recommendations help you to gain a perfect fitness level and, in the prevention of injuries.

Michael Jordan once rightly quoted – “Never say never, because limits, like fears, are often just an illusion.” Our bodies have vulnerabilities that we do not always notice. But, what's more important than playing a sport is being a good sport while you are at it. Stay care-free and shield your dream of being a good sportsperson with individual accident insurance so that you focus on your training and not the injuries.

To browse individual accident insurance policies, 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.

With almost everyone, a driving car these days, the chances of accidents have increased, and there is always the possibility of the vehicle needing repairs. Both of these cases require a lot of funds, which is why you need to get car insurance online in India immediately. Having car insurance means that you would be compensated if your car faces any damages if you get into accident or needs repairs. However, what determines how well you would be compensated is the sum insured, which is the maximum amount that the insurance company would pay you in such situations. It depends on the premium you pay.

Here are some determinants of choosing the right sum insured for car insurance: -

• Your age: Your age has a lot to do with the sum insured that you want for your car insurance policy. If you are younger, you can insure a low amount and then increase it gradually over the years. If you are older, it is best to have a higher sum insured just in case you need to take care of growing medical bills. Being in an accident may require you to either pay for the damages or hospital bills, and the amount for the latter could be higher if you are older and relatively weaker.
• The condition of your health: It may seem odd, thinking about your health when deciding the sum insured for your car insurance. But the status of your health largely determines the kind of treatment you would need if you are involved in an accident, and also the expenses. If you are healthy and free of ailments, you should choose a lower sum as opposed to you being older and less active and agile, which might complicate the treatment procedure and lead to higher expenses.
• Any ailments or severe health issues: If you suffer from a critical health condition, you might have to pay higher medical bills given the nature of complications. In such situations, it is best to opt for a higher sum insured so that you are protected from higher expenses.
• Your income: A very vital factor to consider is your level of income. Whether you want a higher sum insured or not, your income determines how much you can pay towards the insurance. If you just began earning or do not earn a lot, it makes sense to have a lower sum insured, since you would have other expenses to take care of. On the other hand, if you earn a decent living, opt for a higher sum insured for full coverage.
• Lifestyle and daily activities: The kind of area you live or work in, how you commute, at what hours, how much you drive the car, etc. determine the type of plan you would need, and thus would also determine the sum insured. If your lifestyle is such that there are more significant risks of getting into an accident or requiring frequent repairs, it is best to go with a higher sum insured so that you would be financially covered when the need arises.

It is not enough to buy car insurance online in India; you need to understand its terms and conditions and choose the sum insured that suits your needs and situations best.

While having the best health insurance policy in India can prevent you from financial losses due to hospitalization, but being fit can help you stay away from various health conditions. Fitness is one of the most fundamental needs of leading a healthy life, which cannot be achieved in any other way. Here are seven tips that will motivate and guide you to take up your fitness seriously.

• Make time: One can not wait for the perfect day when you will have all the time in the world to kick-start the process. You can never have enough time, and it all depends on how you choose to prioritize your aims and set a timeline for the same. It is essential to schedule your workout efficiently and make it a critical part of your priority list. Analyze your habits and routines to finalize a time that will be perfect for you to hit the gym or workout on your own.
• Move gradually: People believe that extreme workouts are all that matters when it comes to ensuring fitness. However, this is not the right approach since different bodies have a different limit, and pushing the body beyond the limit can lead to severe injuries. You can always start by engaging in some basic exercises, which can then be elevated into intense workouts gradually.
• Formulate it easy has become an essential part of our lives with the advent of technology and regular developments. It is important to include the same for your exercise since your main aim is to transform it into a habit. If it is a gym, look out for ones which are near your workplace or home or in your society, since it will be easier for you to be a regular.
• Search for your fitness personality: It is vital to have a little introspection and look for the inner motivation to push yourself. Maybe you are the kind who likes to exercise with a partner or in a group, or you could be the kind who wants to engage in the workout alone. You could like it fast-paced or feel better indulging onto slower ones. All these things must be taken into account before selecting a regime and formulating the kind of exercises you wish to pursue.
• Give it sufficient time: 21 days is the minimum account for anything to transform into a habit, it is important to understand that it will take a minimum of 8 weeks for a workout to become a part of your life and showcase desirable results.
• Choose your goals: It is important to remember that the performance is more important than results, thus enjoy the process of working out instead of focusing or hoping for immediate results. Look at the improvement made in your life during this time, and you will learn to adapt better.
• Reach and celebrate small goals: Your progress and appreciate yourself for the efforts you are putting in. Celebrate your achievements by buying something beautiful for yourself or going for a “cheat meal.”

Along with following these tips for better fitness, you must also opt for the best health insurance policy in India to take care of all aspects of your health.

Health insurance policies are of financial backbone — a lifesaver. When it comes to choosing a health insurance policy for family and yourself, it is essential that you select the best option that is out there. With health insurance policies going online, it has become much easier to compare policies. If you have already opted for a policy but want to change to a new one, then you get the option to port your health insurance as well. Since Magma HDI health insurance comes with a host of features, it is a good idea to port your existing health insurance to Magma HDI. The option of porting comes when you opt for your new insurance. The process is entirely smooth and hassle-free, and you do not have to break your head over it. Besides, if you come across any hindrances in the process, the support team will always be there to assist you. However, before you decide to port your policy, make sure that you have read the policy documents of Magma HDI health insurance carefully. It is crucial for you to be sure of the additional benefits that you will be receiving.

Conditions for porting policy

If you want to port your health insurance policy for family or yourself, then you have to make sure that you start the process while your existing plan is still in force. If your policy has expired, then you cannot move ahead with the porting process.

Portability form

To port your existing health insurance to Magma HDI you will need a porting farm along with the new policy’s proposal form. You have to submit your new policy at least 45 days before your new policy expires. You must mention the details of your existing health insurer in the porting form.

Documents required for porting

● Copy of your insurance renewal notice of the existing policy

● A declaration which states that you have made no claims so far

● Discharge summary, in case you have made a claim on your policy along with copies of the investigation report

● A record of your past medical history with treatment records

The porting process

After you have acquired all the papers, the next step towards porting the policy is submitting it to Magma HDI. Your documents will be reviewed, and if everything falls in place, your porting request will be accepted. You will get a proposal within fifteen days after submitting the form to Magma HDI. It is a great option to port your health insurance policy for family or yourself to Magma HDI. With Magma HDI health insurance, you get access to several key benefits such as maternity cover, cumulative bonus on your policy, loss of income cover, and worldwide emergency cover, among others. You also get access to features such as optional cover for critical illness, option cover to reduce your premium, cashless hospitalization across more than 4,100 hospitals, and 25x7 claim assistance among others.

Short-term memory loss following an accident can drastically impact a person's life. People are left feeling disoriented, estranged from their families, and unable to carry on as they did before the catastrophe. Additionally, it can indicate that the person has experienced a severe brain injury, which necessitates rapid medical care.

Consult your doctor immediately if you're losing memories after being hurt in an accident. The sooner you establish whether your memory loss is an independent ailment or a sign of a brain injury, the better you can start receiving the treatment to heal it.

*pro-tip
You must invest in a personal accident insurance policy to get protected from such eventualities. Personal accident insurance can be purchased regardless of age, profession, or health.

Memory loss causes:

We all deal with memory issues at some point in life, and a little reduction in other cognitive abilities often accompanies ageing. More research should be done on short-term memory loss because it should not be taken lightly.

Reversible memory loss may have a variety of causes, such as:

● A vitamin or thyroid shortage

● Disturbances of emotions, such as stress, anxiety, or sadness

● Alcoholism

● Sleep issues like sleep apnea

● Concussion, a minor head injury or damage

● Adverse effects of some drugs

● An infection or tumour that affects the brain

● Disordered functioning of the brain (FCD)

● Smoking

● Chronic stress disorder after trauma (PTSD)

Tips for recovering from short-term memory loss:

The unorthodox methods listed below will help you to improve your short-term memory loss mentally.

1. Put it on paper:
Generally used as a coping mechanism, writing down important information can do wonders. Putting something down on paper makes your brain focus harder, which enhances memory. Writing notes by hand is more productive for learning than typing on a laptop.

2. Rest:
The brain can't focus on doing tasks with precision if it is too exhausted. Thus, it won't be able to remember anything. Resting after a brain injury is crucial for this reason. Rest offers your brain the strength it needs to remember things. Studies have also revealed that your brain consolidates memories while you sleep. Therefore, be sure to obtain enough sleep each night and throughout the day.

3. Use vivid pictures:
We always do not require mnemonic techniques. These aren't particularly useful when remembering things like appointments. However, a connection can still be beneficial if you associate a fact with a real or vivid memory, according to a memory study.

4. Music:
Music therapy provides various cognitive advantages, but arguably the most significant advantage is how listening to music improves memory. In addition to aiding in the recovery of lost memories, music also aids in the retention of new information. So, try singing something significant that you want to remember to the melody of your favourite song. You'll be astonished by how much more you can memorise.

5. Exercise:
A regular, easy exercise is one of the best things you can do after a brain injury to restore short-term memory. Numerous studies have shown that aerobic exercise enhances memory and cognition by promoting the development of new brain cells.
Additionally, it improves cerebral blood flow, which promotes the oxygenation of the memory-related brain regions.

6. Separate your repeats:
Learning practically everything requires repetition. But just saying something a few times won't guarantee you'll remember it. Instead, you must increase the repetitions to rehearse the information you want to retain before you forget it.

Testing is usually the first step in the treatment of short-term memory loss following an accident. Therapy and medicine may be part of the overall course of treatment. Keep the patient away from pressure and stressful situations.

A dependent or damaged individual is intended to receive some relief from the personal accident insurance plans. From partial to total disability and medical costs involved in hospitalisation will be covered under this comprehensive plan.

Click HERE to purchase efficient personal accident 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.

In recent years, the necessity of health insurance has become unavoidable. We have found a cure to many of the earlier incurable diseases with the advancement of medical technology.

However, most of the major surgeries in India cost several lakhs. This is where a health insurance policy shows its magic. Investing in reliable health insurance can give you the confidence and strength to focus on your health without worrying about expenses. But there are several misconceptions about health insurance policies that discourage people who are forced to have a second thought before buying them.

But, what's the reality? Let us look at six major myths about health insurance and debunk them.

1. Health insurance is expensive:
No, it is not! Many think paying a few thousand rupees as a premium every year for a health insurance policy makes it expensive. Have you ever imagined how much major medical treatments cost in India? The average cost of cancer treatment has shot up to INR 10 lakhs. The cost of angioplasty or bypass surgery in case of heart diseases ranges between 2-4 lakh rupees. Similarly, other major surgeries such as hip replacement, knee replacement, or kidney transplant also cost over 4 lakh rupees. Hence, it is wise to pay a few thousand rupees as a premium every year and get a health insurance policy that will cover all your above medical costs than to pay such hefty amounts upfront in one go.

2. Rejection of claims:
Often, the insured does not read the complete terms and conditions of the policy and faces rejection. They may omit necessary information or fill incomplete information in the application form. Some hide information about their pre-existing diseases. Also, a few claims before the waiting period is over and therefore face rejection. You need to understand that claims do not get rejected on baseless grounds. But, it is crucial to investigate the true reasons for rejecting your claim.

3. Processing of claims is time-taking:
The processing of claims does not take much time if a proper system is followed. Cashless settlement is very fast. The bill is settled right at the authorised hospitals at the time of discharge as per the terms and conditions of the insurance provider. Even the reimbursement facility does not take much time for repayment nowadays. The insured must submit proper bills and support documents, and the claims are processed in a few days.

4. Health insurance does not cover pregnancy or day procedures:
A myth is that health insurance policies do not cover pregnancies, maternity care, or day procedures such as chemotherapy. There are specific policies with some terms and conditions to cover such medical treatments. There may be a waiting period before the policy provides cover. Some policies allow the patient to avail the policy benefits even if they are not hospitalised for 24 hours or more.

5. People with pre-existing diseases or senior citizens cannot get a health insurance policy:
Insurers nowadays cover most diseases after some waiting period, usually four years. The insured should tailor specific policies for their situation in such cases. Also, insurers offer health insurance coverage even to senior citizens over 65 years of age. As per IRDAI, health insurance policies can be renewed lifelong. Insurers cannot deny renewing the policy on the grounds of the policyholder's age if the premium is paid in time.

6. Health insurance policies are not "portable":
It is possible for an insured to "port" or change his insurance service provider in case he is dissatisfied with it. Also, he can change from one plan to another with the same insurance provider if he meets the required terms and conditions.

A health insurance policy is necessary for individuals in fast, modern life. If you have a family, you can get a cover for all of your family members under one policy. There are many more myths associated with health insurance policies. But like the above myths we just debunked above, we need to debunk them rather than outrightly shunning these policies. After all, it's your life, and you must take care of it, right? Make health insurance policy a part of it.

Click HERE to buy health insurance to secure your health with the best protection.

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

Buying insurance is not uncommon, one wants to secure the money involved in an asset and thus he gets it insured. But here is the funny part: people have insured things which are weird if not downright hilarious! So, without further ado, let’s jump on to 5 Most Strangest Insurance Policies Ever.

• Body Parts
  Insuring body parts has become a trend among celebrities. It started quite a while back and once the trend began, there was no turning back, Heidi Klum’s legs were insured for a whopping $2.2 million.
• Absconding Spouse
  Getting cold feet right before the wedding is a common occurrence. So, what happens to all the hard-earned money spent by your parents for the fancy wedding you wanted? To your relief, you can buy an Insurance Policy to recover the money spent if your partner decides to take off!
• Cigar
  Skansen museum in Stockholm exhibits a record-breaking cigar which is fully insured, for all the right reasons!
• Death By Laughter
  In the 1900’s, people were overly confident of their sense of humor. So much so that an insurer, Lloyd’s of London, had issued a $1m policy for film-goers, just in case they lose their life by laughing so hard.
• Alien Abduction
  Apparently, a lot of people have a huge fear of getting abducted by aliens. If you are one of those people, you can get an insurance from Lloyd’s of London,More than 20,000 Alien Abduction Policies have been sold till date.

Last but definitely not the least, if you planned for one child and got a surprise of multiple, you can get an insurance to pay for the expenses.

Motorcycle fires are horrific sites to bear. With the recent rise in the usage of electric vehicles, there is a greater possibility of fires leading to vehicle damage and burn injuries. Electric vehicles use renewable energy sources, making them sustainable, but they come with the drawback of being more flammable.

Electric vehicles use a lightweight lithium battery that has a longer lifespan than regular lead-acid batteries. However, a lithium battery consists of two electrodes and an electrolytic fluid running between them. The electrolytic fluid is highly flammable and causes fires when the battery is overheated or damaged.

Even combustion motorcycles are at risk of catching fire if something goes wrong in the bike's engine or fuel tank, or there is a sudden short circuit.

Bikes are the love of their owners' lives. Although it might be horrific to think of even a situation when this happens, it's always better to keep knowledge handy when you need it.

This blog aims to give you an insight into what to do to protect yourself and your loved ones in the unfortunate case of your bike catching fire.

1. Turn off the ignition and get away from your bike:
Imagine that you're cruising down the highway at a comfortable speed when your bike suddenly shows signs that it might catch on fire. If you notice a spark or a fire, immediately kill the ignition and park at the side of the road. Avoid places with many people and other vehicles, electric poles, etc.
Dismount and get away from the bike as quickly as possible using the stop-drop-roll method. If you've left something vital on the bike, avoid going near it unless it is worth dying for. This is to ensure you're least affected if your motorcycle explodes.

2. If it's a small fire or just smoke, try to extinguish it:
If you absolutely have to go and try to save the vehicle and your items with it, do it smartly. If there's a fire extinguisher around you, or you can arrange it, try putting out the fire yourself. Also, you can use drinking water you might have bought along with you on the ride or soil you pick up off the side of the road to stop the fire from spreading immediately after you first sense it. Ensure a safe distance between you and the vehicle to protect yourself.

3. Contact emergency services:
If it's a busy road, ask for help from experienced people in the traffic. If you're stuck in an isolated place, immediately call fire control and tell them about your situation. Your instinct might tell you that you can put out the fire on your own, but it's best to leave it to the professionals to avoid risking your own life.

4. Alert people in advance:
This is not a scene from a movie where you'll barely escape a fire without a scratch. So if the fire seems big, steer clear of it. Raise an alert to help other vehicles and pedestrians get out of the way.
Be sure to put a device named an Emergency Warning Device (EWD). This puts out an alarm that helps inform other pedestrians or vehicle owners to get out of the way in case of a fire. If the fire becomes too overwhelming, all you can do is get out of the way and wait for emergency services.

A motorcycle fire is a traumatic experience to go through. But as long as you are safe, there's no harm done. Having the basic knowledge of fire safety and about the different parts of the bike can be helpful for you during such emergencies.

In such unfortunate incidents, you are responsible for protecting yourself and others, but for protecting your bike, you need special coverage. Here's when insurance comes into the picture. Buy motor insurance online and avail various benefits if your bike faces severe damage due to fire. All the repair and maintenance of the bike will be covered under your insurance cover, and you won't have to worry about the finances.

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.

Tattoos and piercings are one of the most common forms of art of self-expression. While some people do it for religious purposes, others do it as a gesture or just as part of a trend. Especially with the new designs and technologies, more youngsters are getting fascinated towards them.

While you may be shortlisting new tattoo designs for your body, it is essential to understand that tattoos and piercings come with various health effects. You may flaunt your new tattoo, but the side effects that it develops can be challenging to overcome sometimes.

In this space, we will discuss the potential health risks of tattoos and piercings so that you can make your decision wisely. With that, let us dive into the details!

Risks of tattoos:

A tattoo artist will usually use a machine with a needle attached to make the tattoo. The needle injects the ink into the second layer of your skin, the dermis (below the epidermis). While tattoos are popular for expressing your feelings and yourself through art, there can be various complications. Some include:

1. Skin allergic reaction: Tattoo dyes like yellow, blue, green, and red can cause various skin reactions, including itching, rashes, more near the inked region. Even after years of getting the tattoo, a person may experience skin reactions that get troublesome with time.

2. Burn or swelling: Everybody reacts differently to tattoos. It is observed that many people experience a burning sensation and swelling around the tattoo area that can even last for longer durations if you don’t receive proper treatment.

3. Bloodborne diseases: If the needle is contaminated through infected blood, a person may get different bloodborne diseases, including hepatitis B, hepatitis C, tetanus, even AIDS. So, be careful regarding the sanitization of the needle and other equipment.

4. Inflamed tissues: A person can also experience nodules of inflamed tissue and may experience an overgrowth of scar around the tattooed area.

5. MRI test complications: Sometimes, a permanent tattoo on your body may interfere with the MRI test, disrupting the image's quality. In addition, burning or swelling can occur during MRI. However, this is rare but a possibility.

The long-term side effects of permanent tattoos are yet to be known. Although hundreds of ink are approved for cosmetic purposes, their side effects for injecting the skin are still not apparent. If you experience skin problems or allergic reactions after getting a tattoo, contact a doctor immediately.

Risks of piercings:

In certain parts of the world, piercings are a part of the culture. However, what most people do not understand is that piercings can cause various bacterial infections, development of an abscess. When it is left untreated, this puss-filled mass can develop a risk of blood poisoning and sepsis.

Since the nose and mouth area contain higher bacteria, the chances of infections are higher in these areas after a piercing. Additional risks include:

1. Keloid formation around the piercing area.

2. Swelling near the piercing site.

3. Bleeding due to damaged blood vessels.

4. Tongue piercing may cause damage to the teeth and gums in a few cases leading to difficulty in speech.

5. Swelling in the tongue after the piercing can cause blockage of the airway leading to difficulty in breathing.

Going with the tattoo and piercings trends can be a new experience that one does not want to miss out. However, it is essential to do extensive research on all the possible side effects and risks involved to ensure that these experiments do not affect your health negatively. Compromising health safety against excitement is not a wise thing to do. Therefore, guard yourself with health insurance before getting your favourite design inked on your body. Also, if needed, consult your family doctor, preferably a dermatologist, to get proper advice.

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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.

Do you know the most significant factor that drives insurance purchases in India? It is not the services or the goodwill of the service provider but it is the affordability. Affordability matters to the customers in every type of insurances, be it life, personal accident, or as a matter of fact; car insurance. Whether you buy car insurance online or offline, you will always look at affordability

Important factors that affects affordability of the insurance policy:

1. Segment of the car: The segment of your car that you are insuring plays a crucial role in deciding whether the premium will be cheap or expensive. An expensive car is ought to attract costly premiums.

2.Facilities: The number of services you are trying to acquire in the insurance also directly affects the premium. You need to identify what services are highly crucial for you and then take an insurance plan accordingly.

3.Insured Declared Value: The IDV needs to be paid attention to before going for an issuance. The manufacturer’s price minus the depreciation is your IDV. It directly affects your insurance affordability as well.

4.Customization of plans: When you buy car insurance online or offline, there is an option for you to customize your plan. You can customize the services as per your requirements and needs. This mainly affects the plan’s pricing scheme; if you add more services to your plan, then it is obvious that your premium will increase. This directly changes the factor of affordability.

5.No claim bonus also affects affordability: You can receive the no-claim bonus in the next year only if you don’t claim in the current year. Sometimes what happens is that we tend to claim small amounts for our car repairs that lead to lapse of no claim bonus. The main losing factor here is that you lose the significant advantage of NCB in the long term for the petty short term expenses. NCB also affects the resale value of your car because it ultimately depicts the condition of your car.

6.Claim frequency: When providing you with the renewal premium of your car policy, the insurers look at the number of claims made. If the number of claims made is high, the premium amount is going to be high as well. They think that you tend to make claims even for very small repairs. This indirectly affects your affordability.

Wrapping up:

There can never be a fixed list of factors that will affect your plan’s affordability when it comes to insurance. But, you don’t have to worry as good companies will make your task simpler. However, all you need to clearly know is your requirement.

Here’s some highlights to add value to the piece:

● Try insuring your car with the same company that manages your other insurances. This way, you will be entitled to receive a discount.

● If you have more than one car, go for insuring them together as it will unlock bulk

car insurance

at discounted rates.

● Ultimately, drive safely and responsibly!

People suffer from obesity disorder worldwide because of their hectic lifestyle and inactive fitness routine. Obesity is nothing but the accumulation of excess fats in the body that negatively impacts a person's health. Factors like genetics, overeating, no physical movement, psychological factors, and side effects lead to the cause of obesity.

Being obese puts you at a greater risk of developing potentially severe health problems, including – diabetes, heart disease, stroke, breathing disorders, fatty liver disease, and lot more.

You might be aware that obese people are more likely to pay a higher insurance premium than other healthy policyholders. This is because obese people are prone to illness and are likely to make more claims than normal policyholders.

But obesity can be brought under control with the help of dieting, daily exercise, weight loss, and many other disciplines in our everyday routine.

In this article, we give you some handy tips that are useful to control obesity.

How to know if you are obese? If your Body Mass Index (BMI), which is commonly used to determine obesity, turns out to be higher than or equal to 30, it classifies you as an obese person.

There is a thin line between being overweight and obese; if your BMI measures between 25 to 29, you are overweight and not obese. Therefore, the formula to calculate Body Mass Index is the weight (kg) divided by Sq. of height (m).

Practical health tips to control obesity.

Here are five tips weight-loss experts recommend to assist in keeping obesity under control.

1. Personalized diet plans:

You must have read a lot that a few minutes of daily exercise are the key to controlling your weight. But, cutting calories and reducing junk food intake is better than increasing your exercise time to achieve weight loss. Overeating and consumption of more calories than needed is one of the primary reasons that cause obesity. Customize your diet plan to ensure calorie intake and the proper nutrients that your body demands.

2. Exercise can help you to stay fit:

Daily exercise and fitness schedule is vital for controlling your weight, and physically inactive people are more likely to gain extra kilos. If you are already maintaining a healthy diet, plan a perfect workout routine or join a gym. Regular exercising helps you burn calories and lose fats.

3. Set up a strong will for an active routine:

You have to work harder than many other people – possibly for a long time if you are overweight. For instance, taking the stairs instead of the elevator will make a significant difference. By changing your detrimental habits, you will cultivate an active and fit lifestyle. Remember, losing weight requires patience and discipline, which does not occur overnight.

4. Eat more healthy snacks between main meals:

You read it right, eat more – just not at your mealtimes. Diet experts recommend keeping many healthy snacks like sunflower seeds, almonds, whole wheat crackers, sliced apples, and other fruits and eating small portions every couple of hours. If you wait until you're starving, you generally tend to eat more.

5. Maintaining a sleep hygiene:

The importance of good sleep in overall well-being cannot be ignored. It works wonders for your goal of preventing obesity, too. There are studies confirming that people who get too little sleep have a greater risk of weight gain and obesity than people who practice seven to eight hours of sleep per day. Sleep hygiene includes a proper sleep schedule and a bedtime routine like reading or listening to some good music.

Obesity, if it gets serious, can take a toll on your pocket. Although there are no policies especially for obesity yet, insurance companies protect obesity in exchange for higher premiums. Therefore, it is always advisable to secure your health insurance at an early stage of life to save you from that extra premium.

To know about the health insurance that gives the best benefits, click here…

India has a long and rich history of its fight for independence. Most stories leave us with admiration and respect for that time's freedom fighters and activists and their sacrifice for India to breathe free. There's a sense of pride in knowing that we belong to the same country where many of these acts of bravery took place. The culture and heritage that we celebrate today is a blessing that we have received from the iconic stories of numerous Bravehearts. India has preserved this history for future generations to absorb the feelings of patriotism and cherish the diversity of our nation.

As we recently celebrated 75 years of our independence, the Indian Government launched an endeavour called "Azaadi ka Amrit Mahotsav" with a motive to celebrate the golden 75 years of freedom. So, pack your bags and head out to see these destinations that will surely fill you with patriotic fervour.

1. Cellular jail:
Situated in Port Blair of the Andaman and Nicobar Islands, Cellular jail is reminiscent of the horrors cast upon the freedom fighters. This jail can be visited by the public and has a famous light and sound show in the evening to remember the freedom fighters, especially the brave story of Veer Savarkar and his courageous escape from the jail.

2. Jhansi fort:
Jhansi fort in Uttar Pradesh is a symbol of strength and bravery of the highest degree. This place engraves the history of Rani Lakshmi Bai bravely fighting the British and eventually defending the fort with her last breath. Go to Jhansi fort to remember the brave acts of Rani Lakshmi Bai and the scenic views of the fort situated high on the hilltops.

3. India gate:
Located in the heart of the capital city, a few km from the Rashtrapati Bhawan, India gate was built to pay homage to the 82,000 soldiers who tragically lost their lives in the First World War. The martyrs' names are inscribed on the walls of this beautiful monument. Locals and tourists crowd this area to pay their respects to these soldiers and enjoy the beautiful lights and delicious street food near this historical monument.

4. Sabarmati Ashram:
Located in Ahmedabad, Gujarat, on the peaceful banks of the Sabarmati river, this heritage site is famous for being one of the epicentres of the freedom struggle. Made by a friend of the Mahatma, this was where Gandhi Ji resided for nearly 12 years, training activists to join his 'Ahimsa' movement. This Ashram also had schools and health centres and was a whole community of patriotic people. Visit this Ashram to feel the peace, and captivate your heart with the values of Bapu.

5. Wagah-Attari border:
Visit the Wagah-Attari border near Amritsar to get a rush of patriotic fervour. A famous flag lowering ceremony has been happening every day since 1959, where the BSF and the Pakistani Army lower their flags just before sunset. This is sure to leave you in awe. The soldiers' energy creates an electrifying atmosphere with the crowd anticipating with continuous chants of "Vande Mataram" and the tricolour waving with pride. This ceremony is worth an experience of a lifetime.

6. Kargil War Memorial:
India has been rigorously battling to preserve its liberty long after independence. Our fierce border security forces are relentlessly serving their duties to protect the nation from external threats. The Dras War Memorial in Kargil is one such place that reminds us of the iconic 'Operation Vijay' of Indian soldiers to keep the country safe during the Kargil war of 1999. Be here to pay your respect to those who gave our lives for us and salute the soldiers' dedication to protecting the nation at all times and in every situation.

Independence Day is the perfect way to learn more about our country's freedom struggle. Plan a heritage trip to these places and dive deep into the archives of Indian history. While celebrating the glorious 75 years of independence, ensure that you secure your trip with the best online general insurance to make your travel hassle-free.

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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.

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 wastage - 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.

People often complain about parking spaces, especially in our country. They usually park illegally and in spots that make it difficult for pedestrians to navigate their ways and get to their destinations conveniently. Many people need to develop their parking skills, to avoid the problems of congested roads, traffic jams, etc. Parking your cars also avoids the risk of accidents, keeps your vehicles safe against any damage caused by collisions, and helps maintain proper order on the road.

Parallel parking is a skill that people find challenging to master. Are you somebody who has constant complaints about your inability to parallel park your two-wheeler or four-wheeler in parking spaces or congested parking lots? Well, do not worry. This blog is curated just for you. It discusses the tips to parallel park for you to read, quickly understand and practise parallel parking safely without damaging your car or hurting yourself.

1. Do not just go for a spot:
Always explore the spots that are empty before just going for the first one that you see. Giving it a thought for a minute will help you determine which location will be convenient for you and has enough space for you to parallel park your vehicle without any risk of collisions or damage. Determining if your car can fit in a particular area is crucial. Also, ensure that you keep a distance of at least two to three feet from the other vehicles.

2. Next step – reverse:
Your second step is to reverse correctly. Notice the other vehicle and reverse your car till the middle portion of your vehicle is parallel positioned concerning the next car’s bumper (rear). Keeping a distance of two to three feet is handy when you reverse. There is absolutely no risk of collision with the cars next to you on either side.

3. Platform behind your vehicle:
You must keep reversing your vehicle until you park perfectly parallel to the vehicles on the side and the divider, usually on the driver’s seat side. Ensure that you are aware of any platforms behind the cars in the parking lot to avoid crashing into them and damaging your vehicle while reversing it.

4. Aligning is important:
The last and final step is to check that your car is placed at an equal distance from the vehicles on either side of it and has enough space to open the door and get out comfortably. If not, straighten it or try parking it properly again. Aligning your car avoids the risk of any bumps and damages while you or others who have parked next to you try to move the vehicles out of their parking spaces.

While you parallel park, some tips to keep in mind include using your indicators to signal other cars that you are trying to park and avoid mishaps that might occur due to misreading directions. Slowly backing your vehicle is essential to prevent bumps into surfaces you might have missed out. Determining your parking position and being in control of your steering wheel are two other vital tips to ensure that you do not end up rushing or losing control of your vehicle.

These were a few ways to help you parallel park your vehicle in crowded places. Practise these steps, prevent the risk of damage to your vehicle, and learn to park it safely without creating chaos for fellow vehicles. And while we protect our vehicles against any damage, it is also crucial that you understand the significance of purchasing the best motor insurance India to safeguard your car against mishaps and avoid any monetary stress in case of a damage. Buy the best motor insurance India that compensates for the complete repair and maintenance of your car.

Click HERE to learn more about the benefits of purchasing motor insurance India.

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