GENERAL INSURANCE BLOG

Your insurance for a two-wheeler is an essential document without which you should not risk travelling. The Motor Vehicle Act mandates the importance of carrying your insurance papers. These documents provide information about the rider, including your two-wheeler's registration number and your purchased insurance policy.

The policy documents contain all the essential information required to identify your vehicle, its legality status, the rider's identity, the dealership, your insurance provider, and much more. This information portrays the rider as a responsible citizen who would abide by the safety protocols on the road and, therefore, can be entrusted to drive around without causing any trouble.

There is always a possibility for human error. In this case, what if you end up losing your insurance policy documents? So, how do you solve this problem, and how can you obtain a duplicate 2 wheeler insurance if you lost your original? This blog will answer all your questions and provide you with better information so that you can stay informed and know what to do in case you end up in a similar situation.

1. Lodge a complaint:
For a policy which is bought offline, your first step in obtaining a duplicate two-wheeler insurance will be to file a complaint. Visit your nearest police station and ask them to file an FIR about your missing insurance documents.
You will need to give them essential information like your policy number, your insurance provider, description of the vehicle, the type of policy, details about add-on coverage options if you opted for any, and your personal information like name, job role, contact number, etc. This document will then be verified and attested saying that you lost your insurance and will be sent to your insurance provider claiming the same.

2. Apply for the duplicate insurance documents:
Now that you have a copy of the registered FIR supporting the loss of your insurance documents, you need to apply for a duplicate copy of your 2 wheeler insurance. You will be required to draft an application letter claiming your missing insurance documents and how you would like to request a duplicate set of the documents for future purposes.
Make sure you attach the FIR and your application to support your case. If your insurance policy is a joint one, both policyholders must sign the letter, which will be submitted to your insurance company.

3. For the formal request:
You must sign an indemnity bond stating that you would like to make a formal request to get a duplicate set of your insurance documents. The indemnity bond is to be signed on a non-judicial stamp paper.
Details like your name, the joint policyholder's name (in case of a joint policy), policy number, etc., are mentioned on the indemnity bond. Apart from this process, the bond requires signatures from two witnesses who should not be a part of your family. The insurance company might ask you for proof of your financial standing.

4. Newspaper advertisement:
Another step you can include (if required) in this process is publishing an advertisement in the newspapers mentioning the loss of your documents, the insurance provider's name, and other required details for identification. Make sure to submit the copy of advertisement to your insurance company. Submit all the supporting documents mentioned above, and the organisation will give you a duplicate set of your insurance documents after their verification process.

Obtain your car insurance copy online:
As against the tedious offline method, you can also get your duplicate car insurance policy online by sitting at home. This is possible only if the policy is bought online. To get this;
• Visit the website of your car insurance provider
• Login to your account by putting your account details, policy number, name, age, phone number, etc.
• Go to the policy download option
• You will receive the policy document through email to your registered email address
• Download the car insurance policy document and keep the digital or printed copy along with your other car documents.

Protecting your vehicles with a reliable insurance policy is paramount for their safety. Mishaps can sometimes severely impact your two-wheeler. Getting the best 2 wheeler insurance that suits your needs will help you stay stress-free regarding your financial worries in such emergencies. Your insurance provider will undertake the expenses required for your two-wheeler's repair and maintenance work.

Click HERE to know more about the benefits of 2 wheeler insurance.

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

Drivers and front-seat passengers must wear a seatbelt when the vehicle is running according to the Central Motor Vehicles Rules (CMVR). Not complying with this rule can lead to a fine of 1000 INR. Surpassing the fine should not be the motive for wearing a seatbelt. Other than the fine, it can be a big life saviour in times of an accident. There is also a rule that the passengers in the rear seat should wear a seatbelt. But, as per the reports, most passengers avoid wearing a seatbelt in a running car.

It is crucial to understand that it just takes a few seconds to buckle the seat belt, which can protect you and your passengers from severe bodily damage in case of an accident. Also, as per a poll, wearing a seatbelt by a co-passenger had shown a reduced risk of being heavily injured or killed by 25% and 75%, respectively. Not just this, did you know that your motor insurance company can reject your claim if it finds that you weren’t wearing a seat belt at the time of the accident?

Let us go through the details of the coverage of damages under motor insurance policies to passengers not wearing seatbelt.

1. Not wearing a seatbelt:
Technically speaking, if you are driving without wearing a seatbelt and you meet with an accident, the insurance company should not be liable to pay for any damages. One can argue that the person could have been saved or suffered much lesser damages during the accident if he had been wearing the seatbelt.

2. Lower compensation:
The main motive of all insurance companies is to make profits. Hence, if they find out that either the front-seat passenger or even the rear-seat passenger was not wearing a seatbelt, they may approach insurance tribunals and file a contributory negligence plea against the insured to lower the compensation or reject it fully.
The courts or the tribunal can lower the compensation claim to some extent. The claim is not rejected just because the insured was not wearing a seatbelt during the mishap. However, lowering the claims is possible since it is a form of non-compliance.

3. Personal accident cover:
Under the motor vehicle act, an individual must take a personal accident cover along with vehicle insurance. It also applies to third-party insurance. Even if the passenger is not wearing a seatbelt, the personal accident cover will pay for the compensation in case of death, injury, or permanent disability due to the accident.
By buying a passenger add-on cover, you can buy similar coverage for up to three co-passengers sitting in your car. This will cost you some extra premium but will provide effective cover to all the passengers in the vehicle.

Driving your vehicle without wearing the seatbelt puts a lot of lives in danger, be it you, your co-passengers, or the vehicle or person with which you have met with the accident. Passengers in the front seat and the rear seat must follow the rule of wearing seatbelts and save penalties and lives.

This is why even the Government of India has announced that it will soon be mandatory for passengers sitting in the back seat to wear the seatbelt when the vehicle is in motion. Even the motor insurance company cannot reduce your insurance claims if you start following this.

There are no shortcuts to safety, and negligence can cost you not just money but even life! Press the accelerator only when your seatbelts are on, drive under the speed limit, follow traffic rules, avoid lane cutting, and make optimum use of all safety equipment installed in your car.

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

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

Mastering the clutch can be challenging for somebody who has just started learning to drive a car. When to press the clutch, when to let go, and what to do on a slope are only some of the many clutch-related questions we face every day as a beginner. But as somebody rightfully said, practice makes it perfect.

The more you practice, the better you handle the accelerator and learn to sync with the vehicle's clutch. However, you can do a few things to improve your driving experience and better understand your car's clutch system.

This article will look at all the simple tips and tricks you can follow to master the clutch and become an expert driver in no time.

1. Adjust your driving environment:
When practising your driving skills, it is essential to ensure the safety of yourself and others. Choose an empty field or road to practice your driving manoeuvres. Ensure that nobody is around you and your car for a considerable distance.
Wear your seat belt tightly and adjust your seat to get a comfortable driving posture. Your seat adjustment is key to good driving. If you have to strain your legs to reach the pedals or if you have to cramp your legs into position, then it will affect your driving adversely.

2. When you start the engine:
One of the main issues faced by new learners is starting the car. It is natural for the car to sputter or jerk when starting as a beginner. Talk to an instructor and learn how to manoeuvre the clutch and the accelerator. Once you turn on the ignition, depress the clutch fully and put your car in the first gear.
Now, slowly release the clutch and accelerate the pedals. A rule of thumb is that the accelerator and clutch are complimentary pedals. The more stress you put on the clutch, the lesser power you give to the accelerator. Repeat this step for few times to get a command over bite point of clutch.

3. Manoeuvring the slopes and hills:
One of the new drivers' biggest fears is taking the car up a hill. While it might seem like an intimidating task, with practice, you can master conquering any hill. While climbing a steep slope ridden with traffic, you must keep two things in mind. First, your car needs maximum energy to climb the hill.
Second, you cannot accelerate the car because you always risk crashing into another vehicle. In a situation like this, you must constantly alternate between controlling the clutch and handling the speed. Dip the clutch constantly to keep the car moving slowly, but if you feel like your vehicle is going to stop and recede, raise the pedal to give it some speed.

4. Conquer the fear:
While this is seemingly obvious, most people quit driving because of fear. Improper clutch handling brings the fear of accidents due to wrong coordination. It may also result in quicker wear and tear and might need replacement before time. But if you are covered by good car insurance, you can rest assured that all the expenses will be taken care of by your insurance provider.
Give yourself and your car as much time as needed to understand the vehicle's functionalities better. Most importantly, do not compare your learning speed with others because what matters is that you are keeping yourself and others on the road safe.

These are a list of a few things that you need to remember when handling clutch. As mentioned above, insure cars with affordable yet efficient insurance companies. With the new car insurance rates in the market, there are many options to choose from.

Click HERE to know new car insurance rates 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.

Sometimes you suffer a severe headache and feel like someone is whacking you in the head with a hammer. You, therefore, take a few painkiller medicines, and the pain quickly passes! That is the magic of pain relievers. They alleviate the discomfort so you can get on with your day.

Painkillers do come with a fair share of hazards and can have detrimental consequences on your body, especially when taken frequently. This post will review how painkillers go through the potential long-term impacts they may have on the body.

Effects of chronic painkiller abuse on the body:

You inhibit your body from naturally reducing pain when you use a painkiller medicine longer or more frequently than is recommended. By tricking your brain into believing it needs the painkiller to feel good, these medications cause your body to produce fewer "feel good" chemicals and endorphins.

The central nervous system suffers significantly from this frequent use of analgesics. As we've already said, some painkillers slow down the central nervous system to help block pain. However, too much of them can make it hard to breathe, slow down your body's reactions, and make you slur your words.

Painkillers have effects beyond how they affect your body's natural pain-relieving systems and central nervous system. Abuse and dependence on painkillers can have repercussions throughout your entire body, such as

1. Your liver:
Your liver processes and breaks down the medications you consume. When you misuse painkillers, your liver retains the poisons from these drugs, which can cause severe and fatal liver damage.

2. Your heart:
To experience painkiller effects right away, some people crush or inject the drugs directly into their bodies. But doing so results in the medicine going straight into the bloodstream, which impacts the heart. Abusing painkillers over a long period can result in major cardiovascular problems and risks of heart attacks.

3. Your stomach:
Even after taking painkillers for a day or two, stomach and intestinal problems can still develop. Abuse of painkillers can cause haemorrhoids, intestinal blockages, bloating, abdominal distention, and constipation.

4. Your veins:
Injecting painkillers for an extended period is fatal, especially if the needles are shared or not sanitised. Blood-borne infections, illnesses, and blocked veins can result from injecting painkillers drugs.

Once a person becomes dependent on a painkiller, there is no way to stop without going through withdrawal. Even though withdrawal symptoms don't last forever, they can include nausea, vomiting, trouble sleeping, aches and pains, irritability, and anxiety. If you or a loved one is suffering from a painkiller addiction, seeking immediate treatment is crucial because it's typical for people to overdose when attempting to relieve withdrawal symptoms.

How can you take painkillers more effectively?

• Before taking any painkillers, if possible, speak with a doctor

• Avoid taking painkillers for more than a few days straight

• To limit the risk of problems and side effects, start a new drug at the lowest dose possible

• Take the drug only as prescribed, never more. You can visit a doctor for the maximum dose or look it up in the drug information booklet

• Avoid giving others access to your painkillers

• Consult your doctor rather than taking more painkillers if the pain persists or gets worse after taking them

Most over-the-counter medicines are safe for treating mild to moderate pain. But these can also have negative side effects, some of which could be fatal, just like any medication. People who often use painkillers should speak with their doctor to ensure proper treatment and avoid any negative consequences.

With rising healthcare costs, access to high-quality medical care may become prohibitively expensive. Every citizen must sign up for a good health insurance plan in case they or someone they love gets a disease that could be financially devastating. Each insurance plan has a policy duration, and you can buy health insurance online. So, depending on the insurance company, your plan is valid for a particular period.

Click HERE to buy health insurance online.

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

With stressful routines making their way into personal and professional lives, more and more people are turning towards a healthy and happy lifestyle. The first step towards a healthier lifestyle begins with a small step today. Exercising along with healthy eating habits contributes towards a better tomorrow. It helps rejuvenate the mind, body, and soul and improves well-being.

With the changing environmental factors, it is essential to maintain good immunity and metabolism. Many physical activities help stimulate the body's response. These activities include jogging, running, swimming, and so on.

Swimming is one of the best fitness regimes to help you stay in the best shape and enhance your stamina. Before taking up any physical activity or sport, ensure that you grasp thorough knowledge about that particular activity. Understand the do's and don'ts and ensure that you follow all safety measures. Consider personal accident insurance online to get coverage for medical expenses if you meet with an unfortunate incident.

Let's look at the health benefits of choosing swimming as your hobby.

What are the health benefits of swimming?

Swimming has a myriad of health benefits that contribute to the effective functioning of the body. The health benefits can be classified as follows:

1. It cuts the risk of cardiovascular diseases:
It is a proven fact that swimming can contribute to heart’s health. It helps in the proper functioning of your heart muscles and reduces the risk of developing cardiovascular diseases.

2. It is good for bones:
Bone density is important in keeping your body fit from the core. Swimming can reduce the risk of developing arthritis by strengthening joints and providing the best nourishment to the bones.

3. It burns calories:
Swimming is extremely effective in burning calories as it involves rapid and continuous motion of different muscles and the coordination of several body functions simultaneously. It enhances the flexibility of the body as well.

4. It develops a healthy respiratory system:
Swimming involves a lot of breathing: both deep and normal breathing. Deep breathing enhances the respiratory system, and the lungs are trained to draw more air and increase the blood oxygen level.

5. It is therapeutic:
Swimming is a good stress buster that helps deal with anxiety and uplifts your mood. It is an effective tool for coping with depression and anxiety.

6. It stimulates blood circulation: It is supposed to be one of the effective tools to boost blood circulation in the body. It is a great way to work out without sweating.

7. It makes you feel younger:
Swimming helps your mind and body stay energetic. It also contributes to making your body look young and agile. It is believed that swimming can delay your ageing process.

8. It is great for asthma:
Quick swimming lessons can help people with asthma as the intensive regulation of breathing can increase the endurance capacity of the lungs.

9. It provides a full-body workout:
Swimming is one of the many exercises that involve your whole body. It helps in the movement of all the muscles and stimulates them evenly. Every swimming style stimulates a different muscle. So, daily a 45 mins session can be equivalent to a full-body workout.

Swimming is one of the most effective and easier ways to stay physically active. Once you start, there is no going back. You feel more relaxed when you swim. There are many ways to develop your swimming habit. You can join a community pool or enrol in a swimming camp. For kids, it is extremely easy to find a school or institute that teaches swimming.

Amidst all this, it is necessary to keep yourself secure at all times. Hence, purchase personal accident insurance online to provide financial cover to compensate for the loss in case of accidents while swimming.

Click HERE to buy personal accident 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.

If racing fantasies you and if you consider yourself a biking enthusiast, we’ve got you. We all have been fascinated by high-speed car and bike chases and races in our lives. Be it watching Formula One racing or watching movies about speed, they blow our minds with all the stunts, the cinematography, the angles, the acting, sound effects, visuals, and most importantly, “the adrenaline rush” these sequences provide us.

But does India support such racing events? Are there any such riding competitions held in our country? Do you have such questions and require more information on this subject? Well, this blog will have answers which will pique your interest in this topic. Here is the list of the top race tracks for biking enthusiasts.

1. Buddh International Circuit:
Constructed in Greater Noida, Buddh International Circuit made it to the national and international headlines as India’s official Formula One circuit. India is one of the few countries with a racetrack for large-scale international events. The Buddh International Circuit also hosted the Indian Grand Prix for a couple of years, making India one of the few countries to pull it off.
And not just Formula One, this circuit has hosted several competitions such as the National Racing Series, the F1600, the T1 Truck Racing Series, and the National Motorcycle one-make series, to name a few.

2. Madras Motor Racetrack:
This racing track is situated in Irungattukottai, Chennai, India’s first official circuit. It was constructed around the 1980s and was finally set in motion for its purpose in 1990. It has seven turns in its short club track, while the track consists of twelve turns altogether. The short club track has a length of 2.1 km, and the entire circuit is designed in a clockwise pattern.
The racetrack acquired its grade two licence to host multiple bike and car races in several categories, including GT and touring car racing. It staged several other races except for Formula One. The Madras Motor Race Track has also hosted National Touring Cars, the National Motorcycle, and the one-make Motorcycle Championship, to name a few other races. The racetrack is considered to be fit for off-road Supercross competitions too.
The other purpose this racetrack serves is for bike, and car manufacturers, as several of them test their vehicles on this track to check the quality and other features and whether their product requires rework or is fit to be rolled out to the public.
Various automobile-related newspapers, magazines, and websites use these tracks to understand different vehicles better before publishing content about them for their enthusiastic audiences.

3. Kari Motor Speedway:
The racetrack called Kari Motor Speedway is located in Coimbatore, Tamil Nadu. This track was opened in 2013 and has been named after racer and designer Late Mr. Sundaram Karivardhan.
In the past, this track acted as a runway for power gliders and was a part of the Karivardhan-owned aviation company. The Kari Motor Speedway has hosted events like National Touring cars, one-make series, and the National Motorcycle Championship, to name a few.

Some other race tracks in India are Chicane Circuit, Hyderabad, Meco Kartopia in Bangalore, etc., which host various karting competitions.

We hope this helped you gain insights into how our country promotes such racing events and has avenues for the same. And in hindsight, while we cater to the biking fanatic in you, we would also like to draw your attention to the safety of your vehicle. To combat the unexpected situations and focus on getting your two-wheeler fixed, you need to purchase 2 wheeler insurance. Explore all the options provided by various insurance companies and buy the best 2 wheeler insurance which would serve your needs optimally.

Click HERE to know more about the benefits of 2 wheeler insurance.

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

The emphasis on health and preventive care has skyrocketed post-pandemic. People of different ages leading varied lifestyles have stepped up and are paying attention to their exercise, sleep, and diet to stay healthy. However, these measures are difficult to continue for undisciplined people or those with extremely hectic schedules.

For such people, it is best to adopt small measures that aid in the long run and only require spending less time on fulfilment. Such measures, supplemented with purchasing the best health insurance in India, are plenty to keep oneself stress-free about their health without stressing too much.

With India being the land of Ayurveda, what better way to enhance your health than following small health tips daily? One of the most strongly recommended activities is drinking water stored in copper vessels. Why? What are its potential benefits?

Read on to find a comprehensive list of benefits of drinking water in a copper vessel.

1. Promotes hydration:
Hydration is an essential part of a healthy lifestyle. Negligence can lead to severe complications in the long run. To drink water from a copper vessel, one must consciously store water overnight to gain its most benefits. This way, you can ensure that you are keeping track of your water intake and preventing future medical complications.

2. Prevents copper deficiency:
Copper is a mineral required by our body to function at its optimum capacity. Naturally, humans can only produce up to 1.4 to 2.1 mg of copper per kilogram of body weight. It is essential in red blood cell production, maintaining nerve cell health, and boosting the immune system.
Water stored in copper vessels carries the properties of the mineral, thereby preventing its deficiency. However, excess copper exposure may lead to poisoning and other illnesses. So be mindful of the intake.

3. Aids in battling cancer:
While it alone cannot ward off or eliminate cancer, it aids in eradicating cancer by acting as an antioxidant. It fights cancer-causing free radicals and even helps produce melanin, which protects the skin from harmful UV rays.

4. Improves thyroid functioning:
Water from copper vessels possesses the quality of balancing the improper functioning of the thyroid gland. If you suffer from copper deficiency, you may be suggested this as a measure to improve your thyroid gland's functioning. This can directly impact your metabolism and growth.

5. Helps with inflamed joints:
The copper produced in the body is stored mainly in the skeletal structure. If you suffer from weak or inflamed joints or arthritis, consider drinking copper-infused water to strengthen your skeletal system.

6. Antimicrobial properties:
Copper has significant antimicrobial properties, which can help prevent diseases by eliminating bacteria, viruses, or fungi that may have entered your body and compromised your immunity.
Since it has natural preventive benefits, it is highly recommended for seniors with weaker immune systems and joint pains. You must also look for the best health insurance in India for your aged parents and immediate family to protect them with a reliable safety net.

With many more benefits, it is highly recommended that people with copper deficiencies drink water from copper vessels. They make for better, cold, and sweet-tasting water, which is much better than water from packed bottles. Try such non-invasive, easy-to-follow tips that Ayurveda suggests, along with the best health insurance in India. Your honest efforts will help you reap the desired results in achieving a healthy lifestyle.

Click HERE to buy 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.

Ever felt discomfort in your gut followed by a burning sensation in your chest? This could be because of acidity. Very often, people neglect the symptoms of acidity and gulp down antacids for instant relief. But, what is essential to know is that acidity can lead to severe health issues. If you wonder how acidity has more significant health implications, this article is just for you. We will examine acidity, its symptoms, cure, and other side effects.

What is acidity?
The entrance of your stomach valve, or the lower esophagus, closes itself as soon as food passes through it. However, if, due to some reason, the valve remains open, the stomach acids can move up and cause a burning sensation or discomfort. This phenomenon is known as acidity.

What is acid reflux?
If you experience symptoms of acidity frequently or more than twice a week, then chances are that you might suffer from a gastric condition known as acid reflux. Burning pains and discomfort after eating a meal are symptoms of acid reflux.

Let's understand the common causes of acid reflux?
1. Eating heavy portions of food
2. Sleeping after consuming food
3. Overweight or obesity
4. Eating foods such as tomato, garlic, and onion in abundance
5. Eating too much spicy food
6. Eating fried food regularly
7. Habitual drinking of alcohol, caffeine, etc.
8. Smoking
9. Side effects of certain medications

What are the symptoms of acid reflux?
1. Heartburn: A burning sensation moving up your chest via the stomach
2. Regurgitation: Bitterness or foul taste in the mouth
3. Bloating
4. Blood in stool
5. Hiccups
6. Nausea

What are the long-term implications of acid reflux?

1. Esophageal stricture:
The tightening or narrowing of the esophagus is known as an esophageal stricture. Since the esophagus has restricted space, it becomes difficult for the food to pass down the esophageal tube.
These situations can aggravate quickly and result in cancerous and non-cancerous growths. People suffering from esophageal stricture experience severe pain in their throats and face difficulty when swallowing food.

2. Esophageal ulcer:
During acid reflux, the acids in the stomach traverse upward through the esophagus. The constant contact of the acid can burn the stomach's inner lining. It wears away the tissues and forms a sore. This can cause bleeding and pain while swallowing food or other drinks. People experiencing this are advised to have fibre-rich foods such as oats, legumes, nuts, fruits, etc.

3. Barrett's esophagus:
The swallowing tube connecting the mouth and the stomach experiences damage due to acid reflux and causes the lining to become red and thick. Barrett's esophagus increases the risk of esophageal cancer, which can sometimes be fatal.
Patients experience chest pain and irritation under these circumstances. There are chances of vomiting blood or passing bloody stool. Weight loss is another common side effect of Barrett's esophagus.

These are some of the bigger complications of acid reflux. Healthy eating and proper exercise are critical to a healthy future. Acid reflux is more commonly found among elders. This is because, as you grow older, your muscles become weaker. This puts the elderly members of your family at greater risk of acid reflux. A few ways to ensure a lower risk of acid reflux are by opting for healthier diets and eating habits, regular exercise, quitting smoking, and drinking.

If the problem persists, you should talk to your doctor and get an expert opinion. Medications can heal acid reflux to some extent. Ensure to go through regular health checkups to avoid problems in the future. Do not forget to invest in health insurance in India for parents to safeguard their health during the tough time of their age.

Click HERE to find out more about health insurance in India for parents.

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

If you feel dizzy while driving where the roads are primarily like pins, you are not the only one. Many car drivers feel the sensation of wooziness and motion sickness during a long journey, and it can be a nightmare.

What if you end up crashing your car due to dizziness? This thought might have crossed your mind. It is natural to feel uneasy while driving, especially for long hours. Due to continuous motion, your brain might feel fatigued, and as a result, you may get distracted. These distractions can be fatal for you and your car.

Even if you buy car insurance online that will cover your damage, what about the injuries you will face? In this post, we'll give you some advice on reducing the effects of motion sickness while driving.

1. Keep an eye on your diet:
Be careful about what you eat before you drive because your food can greatly impact motion sickness. Avoid eating anything that makes you feel full. Eat light an hour before because you won't feel heavy while driving. The problem might worsen if you eat spicy foods. Therefore, be sure to eat small meals, and it's best to avoid any items that don't suit your taste. A proper food regimen can significantly reduce symptoms of motion sickness.

2. Check your driving position:
Sit comfortably and keep your eyes on the horizon while you are driving. By doing this, you divert your attention from moving items. Even though you need to be aware of your surroundings, try to avoid looking sideways while driving. It is because sudden and severe nausea might occasionally result from looking sideways. If you can, keep the windows open when operating a four-wheeler since a steady stream of fresh air can help with motion sickness.

3. Check the ventilation and cooling:
Many people avoid AC and prefer natural air. If your car's cooling system isn't sound, it can create driving problems. It could end up being one reason for dizziness or motion sickness. Similarly, poor ventilation in cars is another frequent cause of motion sickness while driving. It may result in some odors being trapped, which may make you nauseous.
It is therefore advised to keep your car well-ventilated by slightly lowering the windowpanes. A calming scent in your vehicle, like mint or lavender, is also a good idea because it can help boost your mood and prevent motion sickness symptoms.

4. Enjoy breaks:
Driving for long stretches can also cause motion sickness. So, if you are on a long-distance trip, it is a good idea to stop frequently. When you reach a restaurant or rest area, stop your car for a short while, get out, and stretch your legs. Taking regular breaks helps a lot with motion sickness symptoms. Also, if you feel sick while driving, stop immediately, splash some water on your face, and don't get back behind the wheel until the sickness is gone.

5. Drink tea:
If you are a tea lover, have it when taking a journey break. Tea can treat motion sickness by calming and relaxing the muscles in your stomach and can lower the amount of acid in your stomach.

6. Carry medicines:
There are over-the-counter medications that can give you immediate relief from motion sickness. However, always speak with your doctor before using such medication. You should only take these drugs as prescribed by your doctor.

Motion sickness is a common problem, but you must take appropriate steps to overcome the problem while driving. Bring the above tips into practice, and you will surely find a good solution. The effects of motion sickness can be adverse, and with time if you feel that the situation is worsening, you must see your doctor for further diagnosis.

If you are going on a long drive for the first time, ensure that you have already taken a good rest. Also, buy car insurance online as an excellent option to cover any damages that might occur during your trip. By purchasing online car insurance, you unlock features and benefits like instant coverage, better premium, and 24/7 customer support to safeguard your car from mishaps.

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.

We have been hearing for a long time that anger is human’s greatest enemy! Before going for the strategies of anger management, it is worth knowing more about anger. It is a mental state that makes a person say or do something unusual. Anger can be seen as an ego outburst and can also arise from a hormonal problem. It is even believed to be the aftermath of high body toxicity.

Extensive anger can lead to various medical complications, if not controlled in time. For example, it raises blood pressure; thus, it can be extremely dangerous if you have pre-existing heart disease or diabetes.

There are many reasons for getting angry, and so are the solutions. In this blog, we shall discuss the best and most effective ways of anger management.

Anger Management Techniques:

Different techniques work for different people. While some people adopt simple techniques, many must adopt complex anger management processes depending upon the severity of getting angry. Like any other psychological issue, anger is also complicated. As stated, these are some of the basic techniques that are suggested to be tried.

● Exercise:
Studies have shown that many people benefit from exercise to keep anger and stress at bay. Daily exercise, brisk walking, running, or bike rides can prevent anger. These exercises uplift your mood and make you calm down.

● Write down your problem:
Instead of showing rage toward others, you may write your thoughts on a piece of paper and vent out all your anger by peacefully transforming it into words. This method will surely help in effective anger management.

● Going for a walk: Going for a walk is one of the most effective strategies for anger management. The morning atmosphere remains calm and soothing due to lesser vehicles and noises. You will obtain excellent mental peace through morning walks and feel refreshed and energetic throughout the day. It is a proven fact that we become less angry when we are in a good mood.

● Counting breath:
When anger strikes, you should start counting your breaths. This is one of the most successful anger management ideas. Counting your breaths can help you reduce your anger, stabilise your breath, control your heartbeat and increase your concentration.

What makes you angry?

We have discussed a few of the best anger management ideas. But you must question yourself about what makes you angry or feel frustrated. You need to do a quick analysis and consider all possible reasons and situations. According to the research, people with frequent anger issues are vulnerable to heart-related diseases. So, in addition to considering all the factors to avoid anger, you should also procure health insurance from online health insurance companies.

Following are a few probable reasons that can trigger your temper:
● Insulting behaviour toward you
● Frequent noise
● Discussing mishaps or accidents
● Disagreement with you by anyone
● Workload
● Stress
● Mismanagement of tasks

Likewise, you must create a list of what you mostly do when you get angry. For example, some people tend to throw things away. Some people shout or scream when they get angry. For anger management, knowing these things is essential. You need to write down your plan for anger management. Writing a solution will help you make a fresh start toward peaceful well-being. By practicing it, you will be able to manage your boiling blood whenever you get angry.

Anger management is a systematic and time-consuming process that does not fetch results overnight. Build a routine to resolve anger issues and douse the fire before it damages your health and mental peace. As discussed, anger can adversely affect your health, especially your heart.

It is advised to find the best insurance by researching the different plans of online health insurance companies. If you feel your temper issues are slipping beyond your control, it is always a good idea to visit your doctor. Take the help of a professional and try to find a solution that suits you the best.

Click HERE to buy health insurance online.

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

No area in the house is immune to mishaps, and Kitchen accidents are undoubtedly the most common. There are several potential sources of injury in the kitchen, including sharp knives, hot appliances, and open flames. While it's impossible to eliminate risk, taking precautions can help mitigate it. Accidents can happen to anyone, whether they are awake or not.

When working in the kitchen, you need to be prepared for any emergency that may arise. If you plan beforehand for the worst, you can limit the damage. A personal accident insurance policy covers the costs if you get wounded in an accident and need medical care.

Moreover, you can avoid more serious injury by following these simple rules for kitchen safety and first aid.

First aid for knife cuts:

Accidents due to kitchen knives are common, but they require immediate first aid. If you cut or slice your finger, you should treat the wound using these tips:

● Clean the cut or slice area with soap and water. Apply pressure to it with a bandage or a clean cloth for a few minutes until the bleeding stops. If you bleed through the cloth, you can use another piece of cloth or use a cotton piece.

● Get the antibacterial ointment from your first aid kit and put it over the cut. Cover the wounded area with a gauze pad and adhesive tape.

● Get immediate medical help if the bleeding doesn't stop after a few minutes, the cut becomes inflamed or has jagged edges.

First aid for eye injuries:

Sometimes people accidentally shoot lemon juice or other substances straight into their eyes. If something gets in your eyes while cooking, you should follow these steps:

● Wash your eyes with lukewarm water for about 15 minutes. Protect your second eye by covering it.

● If you have a cut on your eye, don't apply pressure to it or wash it. Instead, call for medical help.

First aid for falls:

Water and oil can spill from the pot and make the floor slippery. Many people fall in the kitchen due to the slippery floor, so you should keep your kitchen floor clean and dry. However, if you still happen to fall in the kitchen, follow these tips:

● Try to get up in the right manner, or you could make your injury worse. Slowly rise to your hands and knees.

● Try to crawl to a nearby chair or preferably a wall and stand up.

● If you think you may have a broken bone or can't get up, don't move and call for help.

First aid for burns:

An accident due to boiling water or oil splashing while cooking is a severe accident. You should ensure that your children are away from the oven or stove when cooking. Turn the pot handles toward the back of the stove to prevent burns. However, if you have a burn, you must identify the type and follow the safety tips.

Different types of burns:

● First-degree burn:
If the top layer of your skin is injured, you can treat it by placing the burned area under cool, running water for five minutes.

● Second-degree burn:
If the deeper skin is injured, soak the injured area in cool water for 30 minutes and apply an antibiotic cream to it.

● Third-degree burn:
If all layers of skin are burned, apply a wet dressing and call for emergency medical help.

These first-aid tips will help you deal with kitchen accidents and prevent the condition from worsening. However, you should pay extra attention if you have children. Keep your children away from the oven, stove, microwave, knives, and anything that seems dangerous. Always wear an apron and gloves while handling sharp objects and hot utensils and working with boiling water or oil.

You can install smoke detectors in your kitchen to protect you from fire accidents. Also, purchase a personal accident insurance policy to recover from the major injuries faced in a kitchen accident to pay your medical expenses.

Click HERE to buy a personal accident insurance policy.

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

Buying a car was seen as a status symbol in the past. However, it has become a necessity over time. Considering the growing population, increasing traffic, and demand for luxury and convenience, cars have improved commutation in urban landscapes.

Most people spend long hours in their cars due to long-distance commutes. After completing the ride, remember a few items you should never leave in your vehicle.

1. Edibles:
It is natural to feel snacky during the day. Keeping snacks in your car for emergencies is a good idea, as long as you take them out when you exit the vehicle. When left for long hours, the food or drinks are subjected to the changing temperature inside the car, which may result in the growth of bacteria. The same applies to soda cans that have pressure within and may explode due to the external pressure from the car's cabin.

2. Aerosols:
Aerosols like hairsprays, deodorants, air fresheners, etc., are essentials. Keeping one in the car for short periods is acceptable. However, since the cabin's temperature keeps changing without artificial air conditioning when the car is not in use, you may find that your aerosol can has exploded all over your seats.

3. Plastic bottles:
Plastic bottles are a fire hazard to your car. It magnifies the sun rays pouring in through the windows or windshield and may result in setting your seats on fire. Such incidents are considered the owner's negligence and not covered by car insurance as admissible claims.
Even if the sun rays are not strong enough to ignite a fire, they will alter the composition of the plastic bonds in the bottle, which may result in harmful BPA exposure.

4. Flammable items:
Items like lighters must never be stored in cars. The fuel within such containers can expand due to the heat and result in a fire. Again, such fires are not within the scope of admissible car insurance claims. Therefore, it is essential to remember to remove flammable items from your car cabin.

5. Valuable goods:
While the other items on this list risk the car, valuable goods are what carjackers look for while determining which car to steal from. Ensure you take out any valuable goods like phones, headphones, portable chargers, laptops, and purses from your vehicle. Leaving an expensive item in the car makes it vulnerable to drawing the attention of burglars.

6. Items with specific chemical formulations:
Items like sunscreen and medication are scientifically manufactured with a specific composition of ingredients involving chemicals to ensure efficiency. Leaving such things in the heat will alter their formulation, making the goods toxic or causing a loss of efficacy.

7. Alcoholic drinks:
Heat leads to increased fermentation which ruins the flavour of alcohol. Additionally, alcoholic drinks are packaged with internal pressure to keep the liquor from altering while in transit before consumption. Excess heat is bound to make them explode.

While this list is not comprehensive, it is a general guideline for what you must not leave in the car. Generally, anything that may be affected due to high heat must not be kept inside the vehicle. Ensure that any important documents like your car insurance and registration are not left in the car. Take care of your valuables and avoid any considerable risks to your car.

Click HERE to buy the best car insurance in India.

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

How often have you heard someone advise you to brush your teeth to stop late-night cravings? Brushing your teeth will magically make you feel full and prevent you from wanting to eat something that will stain your sparkling whites. Although some people find this hypothesis true, it isn't true for everyone, especially if someone has bizarre cravings in the middle of the night.

Here are some tips for overcoming late-night cravings that can help you avoid having extreme cravings in the future.

1. Have good sleeping habits:
Although you may not be familiar with the term "sleep hygiene," it is crucial for getting a decent night's rest. Because of the numerous studies linking sleep deprivation to lowered metabolic function, hormonal abnormalities, and increased appetite, sleep plays a crucial role in increasing late-night cravings.
You'll have a better chance of getting a good night's sleep if you make your bedroom a calm, cosy place to sleep rather than staying up late yearning for junk food.

2. Eat a healthy breakfast:
A whole grain bagel or oatmeal are excellent first-step carbohydrates since they contain a lot of fibre. You'll feel full and satisfied for longer periods if you eat a breakfast rich in these nutrients. Preparing a few items in advance can be useful if you have a habit of rushing out the door in the morning to ensure you have a satisfying meal to start the day.
For meals to be enjoyed throughout the week, you may try eating hard-boiled eggs, baked oatmeal, overnight oats, or even a few veggies and nuts. These beneficial breakfast routines can help you stay full throughout the day and avoid late-night cravings.

3. Try something else:
According to research, cravings are nearly psychological and not physical needs. Although you don't need to eat, this does not mean that you should disregard it. The research also states that willpower is like a muscle that weakens throughout the day and becomes almost non-existent at night. Create a distraction to take your thoughts away from food. You can try chewing peppermint gum, as the studies suggest that menthol odours reduce hunger.

4. Enjoy a delicious supper:
Your body will feel satisfied and full for several hours after dinner with protein, healthy fats, and complex carbohydrates. This will likely stop any late-night cravings you have.

5. Take warm liquids:
When you're rushing around making supper and getting the kids ready for bed, it's easy to confuse thirst for hunger and to forget to drink enough water. Try a cup of herbal tea without caffeine or warm water with lemon if you're still hungry after supper. These naturally calorie-free fluids are hydrating while also making you feel full.

6. Exercise your brain:
Put a mental barrier between yourself and the craving. Stop and give yourself a pep talk to control your emotions. As you picture "moving away" from your hunger, tell yourself that it is "only an idea."

7. Portion out your snack if you're hungry:
You've done everything you can to avoid feeling ravenously hungry at the end of the day, including eating filling meals, getting enough sleep, and paying attention to your body. This can occur occasionally! If it is late and you are still hungry, don't be too hard on yourself. Do yourself a favour and divide whatever you intend to eat. You may even try healthy snack suggestions if you want to feel satiated rather than hungry after eating.

These tips guide you to avoid disturbing your sound sleep due to the constant urge to eat something at night. Bring these tips into practice and adopt a healthy routine with lower bloating risks.

Also, consider investing in health insurance to keep yourself mentally and financially strong during medical emergencies. An all-inclusive health insurance plan will pay for hospitalisation, childcare operations, medical care received at home (domiciliary hospitalisation), and ambulance fees, among other things. Buy yours today without any delay!

Click HERE to buy health insurance for you and your family.

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.

Repair and service of your vehicle can be daunting and more challenging if the damage is so severe that some parts might need replacement. But, the introduction of fake spare parts for automobiles is posing a threat to the longevity of the vehicles and depreciating their value over time. Recognising a fake spare component is challenging because the phoney industry is evolving quickly.

Companies are striving to enact severe punishments against the manufacturers of these counterfeit parts. Still, there is a large part that you might encounter. How can you distinguish a fake from a real one? The characteristics listed in this article can help you identify genuine or bogus spare parts.

1. Check the serial number and hologram: A specific serial number is linked to all OEM/OES authentic auto spare parts. It will be helpful to trace a piece back to its source, allowing the part's authenticity to be confirmed. In India, you can also find a unique hologram of the company that makes the auto parts, which makes them impossible to replace.

2. QR code:
Most spare parts have a QR code that a smartphone may read to verify that the part is authentic. This unique QR code helps maintain product tracking and get all the required details about that part right from its manufacturer, the manufacturing date, model number, and more.

3. Check brake pads:
These are crucial components of a car's brake system. A false brake pad typically deteriorates quickly and unevenly. Also, fake brake pads can quickly fall apart because the materials used are of poor quality and have less resistance factor. These bogus brake pads wear out too soon, causing the brakes to fail.

4. Electricity risks:
Electrical component failure is a significant cause of car fires. And when they are examined, it is typically discovered that these automobiles have electrical parts that are phony or counterfeit. Such components may be dangerous since they may not comply with industry standards and might turn risky due to the chances of a blowout at any time.

5. Uncommon packaging:
It is important to understand the packaging of parts before purchasing them. Stay alert regarding the regular packaging of that part and the one you receive. Fake parts are delivered in unusual packaging and boxes. You must be able to differentiate between them and look out for company branding, the model number, and other essential information imprinted on the auto part. Call the dealer immediately if you feel something fishy.

6. Huge price differences:
Finding a deal is one thing, but if you notice parts being offered at an outrageous discount, like 90%, there is a very strong likelihood that they are fakes. Always do a price comparison, ensuring you get the original product.

7. Always visit an authentic and authorised centre:
It is advised to visit only the company-authorised centres to purchase genuine spare parts. These centres are approved by that particular vehicle brand and get an exclusive dealership to provide genuine products and the best customer service. Also, you can always connect to the centre if you face any problem with the part. Don't forget to get the bill and other important documents like the warranty card, user manual, and more.

You are responsible for informing the manufacturer once you discover that spare parts are fake. The body that considers these complaints will take appropriate action against the seller. They take the counterfeit parts and ensure they don't reappear on the market.

Additionally, ignore anyone trying to sell you fraudulent parts by claiming they are identical and will save you money. This little bit of money you might be able to save right now could lead to something dangerous. Good quality and original spare parts will help you increase the life of your vehicle. Take your car to regular servicing, do proper maintenance, and buy the best car insurance in India to keep it in the best shape.

Click HERE to buy the best car insurance in India.

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

Travel is a favourite bucket list item for most people who aspire to discover new opportunities, savour offbeat experiences, introspect and grow holistically. With general insurance covering the financial burden of accidents that may happen while travelling, it has become easier and safer to travel than ever before.

Despite the ease of travel, most people end up postponing plans indefinitely or even cancelling due to budgeting issues. Overspending while travelling can have a significant impact on your finances. However, pinching every penny ruins the joy of the experience. Therefore, it is essential to find a balance, make careful estimates, and use tricks that save money on regular activities.

Food is one such expense that adds to the joy of travel. However, it is easy to overspend on food while travelling. Here are some smart ways that can help you save on food.

1. Complimentary breakfasts:
Usually, breakfast is included in the cost of the room. It is an overlooked service that can save you a sizable sum throughout your stay. Most hotels provide good-quality breakfast spreads that give you a taste of the local cuisine and international foods.

2. All-you-can-eat buffets:
These buffets can save you a lot of money if you travel with large groups or have a voracious appetite. Instead of purchasing individual menu items in fancy restaurants, it is significantly cheaper to head to a buffet restaurant that specialises in a specific food type- meat, pasta, or pizza, for example. These restaurants can be easily found by a quick internet search.

3. Avoid tourist-catered restaurants:
Tourists often travel without prior research and pay exorbitant rates for items sold at prime locations. An example is the restaurants in tourist-centric areas like the city centre or nearby tourist attractions. These restaurants charge high prices and exploit tourists who don't know the actual cost. It is best to avoid such centrally located restaurants and instead research and find local restaurants to get a taste of authentic cuisine at reasonable prices.

4. Stash your snacks:
Have you ever experienced hunger outdoors without having a snack prepared, and the only available options are overpriced foods you would not otherwise purchase? Imagine that in a foreign place where you end up paying heavily.
In desperate times, we purchase unnecessary things at unreasonable prices that do not truly satisfy our needs. To avoid this, carry a few snacks with you. This helps tide over time between two activities and prevents you from wasting money on overpriced snacks.

5. Allocate one meal a day for dine-out:
It is tempting to dine out for all meals while on vacation. However, this leaves a massive dent in your wallet. The easiest way to overcome this obstacle is to define a meal to eat at a local restaurant each day. Preferably, this should be lunch to get the most value for your money. Complimentary breakfasts and grocery stores or cooking for dinner make it easy to follow this rule.

6. Opt to cook:
If you're booked into a hostel, or your hotel room provides the equipment you can use to cook, ensure that you make full use of them. This can help in cutting down food expenses substantially. In case neither of these options is available to you, choose to purchase freshly prepared sandwiches or similar quick fixes from grocery stores or local bakeries.
Ensure that the food is safe to eat by thoroughly checking the expiry dates to prevent any issues that may lead to illnesses, irrespective of whether or not your travel is covered under your general insurance.

With some planning and research, you can limit your food expenses without adversely affecting your travel experience and preventing you from travelling. Think like a local, and you can significantly reduce expenses. However, you must pay attention to purchasing comprehensive general insurance covering accidents while travelling.

Click HERE to buy the best general insurance policy before your next trip.

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

Let’s address the big question, how to go about a claim?

The information on this page covers the part that you're most concerned about: Claims.

Our claim settlement ratio is something we're really proud of. Trust us, we are equally eager to settle your claims, should there be an untoward situation. Call us on 1800 266 3202 for seamless claim support.

Some important points related to the claims process:

For motor insurance claims, you can send us a video of the damaged vehicle taken from your smartphone, through the link that we share on your registered mobile number. You can also get in touch with your agent, visit our nearest branch or email us at customercare@magma-hdi.co.in for speedy assistance.

We promise you – we'll never leave you stranded. Our 24*7 Roadside Assistance add-on will help you with vehicle pick-up, repairs, and several other services (only if this service is opted for). For repairs, we urge you to choose our preferred workshops / network garages (where we'll settle the bill directly with the garage) or even if you don't, we'll settle the payment based on the relevant invoices and documentation (if only it is admissible under the terms of the policy).

To check the preferred garages near you, please click

For health insurance claims, in case of planned admission, we request you to inform us or your agent before the hospitalization, this will help us to process your claims quickly. Kindly intimate your claim within 30 days of hospitalization. You can avail yourself of the cashless facility at any of our Network hospitals.

To check the network hospitals near you, please click

You can also download our "Magma HDI" mobile app from the Google play store or Apple app store or visit our website www.magmahdi.com for the following services:

1. Intimate and track claims
2. Avail wellness services
3. Download claim forms
4. Search hospital for a cashless
5. Access your policy facility features and health card, and more

For more clarity, we have summarized a few points to know why health claims get rejected, click here to view our blog.

We've reached the end of this page. See how quick that was!

To register your claim, click

Modern problems require advanced solutions. If you've been on the internet for a while, you've heard about cyber-attacks. With the increased dependence on digitalisation, cyber-attacks are an enormous threat to the growth of any business. Cyber-attacks affect the devices on the company's network and infringe on its data reserves. It puts the organisation at the mercy of hackers who can gain control over its valuable digital assets.

A conservative cover like a public liability insurance policy may not suffice in such instances. Commonly known to cover any physical injuries and third-party damages on owned property, a general liability insurance policy is necessary for every business. However, it does not cover cyber-attacks, making it essential to purchase an individual plan.

This blog discusses the correlation between rising cyber-attacks and the recent hikes in premium rates.

Understanding cyber insurance:

The recent Covid-19 pandemic highlighted a business's digital presence like never before. With many risks like malware attacks, compromised emails, and attacks on software and hardware devices, insuring a business is crucial. Cyber insurance is the perfect tool to combat such contingencies to prevent sudden operations interruptions from manufacturing up to the delivery stage. Cyber insurance is a rapidly growing segment of the Indian insurance sector.

Insurance premiums and assets covered under the policy:

The potential of digital assets is unimaginable. They are highly valued compared to physical assets like machinery. The insurance segment presently covers a small percentage of businesses, including banks, non-banks, and information technology services companies that comprehend the need for the cover. These organisations are heavily dependent on their pool of digital assets.

The high premium amount is a distinguishing factor that sets cyber insurance apart from most insurances. While common insurances like health, motor, or fire insurance are significantly low compared to the cover value, cyber insurance has a very high cover, up to 200 crores depending on the industry and the valuation of the business.

These high premium values are marginal compared to the asset valuations covered under the insurance. Typically, the assets covered under the policy are 50-100 times the value of the annual premium paid. The premium amount is determined after studying multiple factors like the company's turnover, cyber-attack risk, and availability of backup infrastructures.

Insurance premium trends:

As the demand for the product increases, so does its price. With reputed insurance providers stating that the Indian cyber insurance market has a projected growth of 35-50%, the rising trends in premium amounts do not come as a surprise. The high rate of uncertainty and dynamic environment with new cyber threats frequently emerging has caused a steep increase in premiums.

While some reports and insights by experts suggest that the increase is by 50%, there is reasonable evidence to believe that the growth may be closer to 100%. Despite the exponential increase in premium amounts backed by expansion in demand, the need for cyber insurance continues to grow. While the policy was taken by only big corporations earlier, smaller businesses of varying natures are assessing the risk of being unprotected in such volatile conditions and are willing to pay the high premium amounts, which do not seem to stabilise or decrease any time soon.

While the penetration rate of cyber insurance policies is not as high as any general public liability insurance policy, the need is bound to continue creating a demand for the insurance and fuel higher premium rates in proportion to the risk shouldered by the insurance providers.

Click HERE to buy the best public liability insurance for your business.

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 most Indians, purchasing a car is a significant milestone. It is an asset that requires heavy investment, offers convenience, and doubles as a status symbol. Over time, alternate mechanisms of protecting your car against uncertainties have emerged. These mechanisms provide owners with greater security features. One such upgradation is that of smart vehicles. While advanced tech-powered features make the driving experience safer and smoother, they also raise cybersecurity concerns.

For a vehicle that holds such significance, it is necessary to buy car insurance policy online to protect it against accidents and financial worries.

Here are some tips to prevent your smart car from getting hacked:

1. Regular updates
Cars are getting smarter by the day as manufacturers race toward developing the best systems for their automobiles. With such rapid developments, installing those updates in your vehicle becomes necessary. This can be done during your vehicle's servicing at an authorised service centre at no additional cost.

2. Secure your fob
A key fob, also known as a fob, is a common feature in the latest car models. It replaces a traditional key and facilitates keyless access to your car through electronic signals by pressing a button. While this makes opening your vehicle easier, hackers have found ways to unlock your car even when the fob is not nearby by cloning the signal using an e-signal amplifier.

Consider using a specific fob holder that protects it against hackers to prevent such signal-altering tactics. Additionally, consider purchasing an add-on key protection cover. This ensures greater protection of your vehicle and allied tools. Also, remember to buy car insurance policy online as an additional layer of protection for your car.

3. Keep an eye on Bluetooth connectivity
Bluetooth connectivity has been around for a long while, and its scope of use has expanded to other electronics than just personal communication devices. While connecting your phone to your vehicle can make drives entertaining with music or navigating easier, turn off your vehicle's Bluetooth to ward off hackers' prying eyes when not in use. Not only can they access valuable data, but re-alter routes and pose a threat to your safety.

4. Embedded firewalls
With connectivity gaining significance, car manufacturers offer multiple mechanisms to transmit data directly between owners' devices and vehicles. Do not allow communication or connectivity access to any unauthorised devices. You can install a firewall that eliminates communication attempts from unknown vehicles or devices.

5. Smartphone connectivity
As we become increasingly dependent on your smartphones, they are also doubling as an alternative to keyless entry to your car. Ensure your smartphone is secure before connecting to your vehicle using the manufacturer's authorised app. Any existing malware may prove to be an issue in the long run. Therefore, for the security of your vehicle and personal data, check for any signs of malicious intent, unauthorised apps, and data packages on your phone before you connect it to your car.

6. Avoid third-party updates
You must only install or modify your car's software approved by the manufacturer. If you install any new updates through a third party, you may encounter issues with your car's functioning and create loopholes that hackers can use to manipulate your vehicle's processing.

With smart features rolling out daily, it is inevitable to eliminate cybersecurity threats, even when it comes to cars. Consider this when comparing options to buy car insurance policy online to find the best one that offers comprehensive protection against hackers, accidents, and more. Feel free to contact a cyber expert if you feel that the situation might get critical. Stay alert and try to gain fundamental knowledge about the potential risks to your car's safety due to hacking attempts.

Click HERE to buy car insurance policy online.

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

The numbers of road accidents in India are astonishingly increasing every year for many reasons, including drunken driving, being careless at the wheel, driving without attention, not following traffic rules, etc. Regardless of the reasons surrounding the road accident, you need to be extremely cautious on the road. You should also buy car insurance policy online, not as a mandate but as a comprehensive protection for your vehicle.

A lot of times, challenging situations may occur regarding road accidents, even if you are not at fault. Sometimes you may be accused of an accident you have no connection with. If you're not responsible for the accident and wondering what to do? You need not panic. We have curated this article to help you determine your next steps if you're not responsible for an accident.

What are the immediate steps?

Your immediate action plan should be:

● Try to stay calm before taking over the situation

● Call an ambulance if you or anyone involved in the accident is hurt

● If the cars are damaged, you should also call the police

● Make the drivers aware of the insurance coverage

● Take pictures of the vehicles involved in the accident

● Wait for the officials and car insurance companies to decide the next steps

● Do not panic and blame others

What to do if you are not responsible?

A car accident can be extremely stressful and anxious situation, so you must maintain your composure and pick your battles wisely. Some tips to help you deal with it are

1. Gather information:
You need to get important information like the name and address of the other driver. You should also take pictures at the accident scene. Collect photos of the damage to the involved cars, the number plate of the at-fault car, and then the driver's driving licence. Try to note down the statement of the passengers and witnesses.

2. Inform your insurance company:
Your insurance company should get involved in such a situation. But you must be very quick in submitting your details and proofs to your insurer (probably in the first 24 hours of the accident). The insurer of the at-fault driver may hold you guilty of the situation. Fret not! You should just state the facts, statements, and pictures for them to decide. You should also inform your insurer as it will establish your reputation as a good-faith citizen. They can also protect you if the other insurance company denies your claim.

3. File a legal claim if necessary:
Legal claims can be tedious. You need to choose that very wisely. You must only go for a legal claim if the extent of damage is massive. You are eligible for a legal claim when the other person's insurance company denies your claim and does not give you compensation. You can fight this with the other insurance company for rightful compensation.
However, if you are seriously hurt, you need a lawyer to fight your claim. Things can get pretty intense, and you need to choose everything with caution.

If you get into a car accident that you weren't responsible for, you should collect information on-site as much as you can. This will give you an upper hand. You can also claim their liability insurance. If you buy car insurance policy online, you will be covered against all the losses you encounter after a car accident. But, all of this should happen swiftly without any delays. You can win the situation only if you act fast and present your case strongly.

Click HERE to buy car insurance policy online.

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

Good health is considered to be our greatest gift. It results from practising healthy habits, including eating nutritious and well-balanced meals, sleeping on time, and exercising daily. These contribute towards a balanced and wellness-focused lifestyle that is exceptionally significant in the long run.

While your habits can help minimise the risk of illnesses and facilitate overall wellness, there is no practical way to prevent diseases. However, prudent mechanisms like buying health insurance online in India and conducting regular health checks can help maintain your well-being.

As astounding as it may sound, your nails can say much about your body's health in no time. You may not believe it at first, but this article on various parameters of nail health and what they may indicate is all you need to learn more about the topic!

1. Yellow nails:
Yellow nails indicate various things, including wearing nail paint frequently. In such a case, you need to take a break from the salon. Your nails may also turn pale yellow as a result of old age. Another significant cause may be excessive smoking.
Additionally, it could also be an indicator of yellow nail syndrome. It is a rare genetic disorder that causes thick yellow nails. If you notice that your nails are yellow for an extended period, consider getting them checked immediately.

2. White spots:
White spots are extremely common in nails. You can find these white spots scattered across your nails. Contrary to popular belief, it does not indicate a calcium deficiency. Instead, it could be the result of a minor nail accident. It could also be a symptom of leukonychia. It is harmless but may indicate other health problems, including liver or kidney issues. If you notice such white spots regularly, the best action plan is to consult a doctor soon.

3. Brittle, cracked, or dry nails:
Dry and cracked nails are extremely common in recent times. A dry nail plate causes dry nails. It can result from swimming, dishwashing, or excessive use of nail polish remover. Reduce the frequency of these activities to prevent dry nails. Low humidity could be another cause of this condition. It can also occur due to old age.
However, brittle nails can also be an indicator of hypothyroidism. Since it is difficult to gauge the root cause of the problem without medical intervention, we encourage you to consult a medical professional who can help diagnose the problem. To reduce the burden of hospitalisation expenses on yourself, you must buy online health insurance. If your tests do not indicate a significant problem, using lotions to keep your nails moisturised may suffice to correct the issue.

4. Blue nails:
If your nails turn blue frequently, it can mean that your body is not getting enough oxygen. This severe problem could also result from underlying heart and lung problems, requiring immediate medical attention.

5. Nail clubbing:
Frequent swelling and curving of the nails can result from serious issues like lung disorders and kidney issues, for which you need to consult a doctor immediately.

Many diseases and abnormalities can change your nails' colours or cause them to grow abnormally. All these are indicative of other ailments that may prevail in your body. You must consult a doctor immediately if you notice such signs and symptoms. Do not overlook these signs. Be responsible and ensure regular check-ups to keep your body in the best shape. You should also buy online health insurance to stay ahead and protect your health with comprehensive coverage.

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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.