GENERAL INSURANCE BLOG

Commuting during the peak office hours in India requires around 149% more time than usual, which means you can expect to be stuck in traffic for hours. But the modern-day lifestyle does not allow us to be slow-paced, and thus, people require quick solutions to their needs. Two-wheelers can provide an easy solution to this daily hassle.

Two-wheelers are among the best and most affordable forms of a daily commute. Moreover, ever since the Covid outbreak, travellers have been increasingly switching from public transport for their safety. However, prevention from a disease is not the only reason people prefer two-wheelers.

Reasons why two-wheelers are a preferred alternative to public transportation.

1. Safety:
Commuting by public transport amidst the infection spike is risky and a big no considering the lack of hygiene. While the lockdown may have been relaxed, the pandemic continues to exist. Travelling in overcrowded conditions with strangers is unsafe. In comparison, two-wheelers let you travel independently and with reduced risk of infection by avoiding the crowd.

2. Cheaper:
Purchasing a private motorbike for yourself is a one-time investment. If you buy a second-hand vehicle, the prices are even lower. In addition, the maintenance cost of a two-wheeler is way less than a car and is, thus, an economical choice for all types of families.

3. Convenience:
Public transportation lacks convenience. On busy days, you can rarely find seats on a bus due to it being overcrowded. In addition, they are undependable, cancel anytime, operate slowly, and are uncoordinated. On the other hand, using your private two-wheeler provides the utmost comfort during the journey, prevents waiting in lines, and is a more flexible option to move at your own pace.

4. Saves time:
Travelling in public transportation such as buses or trains requires a lot of patience. First, you need to make your journey from your house to the bus or train station, wait for it, make the commute itself, and then again travel from the station to your destination. You need to make several journeys and hustle before finally reaching your destination. A two-wheeler can significantly save time by cutting down door-to-door commuting time.

5. Enjoyable:
When you spend half of your day commuting, you might get bored and tired of it. Even if it is a small distance between your house and workplace, journeys on two-wheelers would not feel dull. If you enjoy motorcycle rides, you would be doing something you love rather than sitting with strangers on buses.
Public transportation may be eco-friendly and cost-effective in some cases, but let us not ignore the various cons that come with it. Moreover, given the current circumstances, a private commute is the best way to stay safe!

If you consider buying a motorcycle or scooter as your alternative to public transport, make sure you do not miss out on a two wheeler insurance in India plan. Carrying two wheeler insurance in India will protect your vehicle from damages caused by third parties and be a financial saviour during unforeseen accidents.

Click HERE to buy the best two-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.

While most of the country is still experiencing the summers, some parts are transitioning into the beginning of the early monsoon. This is when common ailments like fever, runny nose, sore throat, etc., take up pace. These illnesses last for only a brief period and can be controlled with over-the-counter medicines.

Monsoon brings along the shortcomings of several viral infections that lead to different health complexities. One such complexity is a sore throat. Having a sore throat can be irritating and a complete disgust at times. Everyday activities such as eating, drinking, or swallowing can be painful, and we end up looking for ways to heal our throat as soon as possible. The misery and the suffering will test your patience and tolerance level. It is important to find the remedies before the sore throat takes a toll on your peace.

In this article, we will look at a few ways in which you can soothe your throat and aid in the faster healing process right at home.

1. Gargle with saltwater:

This age-old technique of using salt water to gargle is the most common and efficient way of soothing sore throat. Salt and water help in pulling out the bacteria and viruses. Use one teaspoon of salt and add it to lukewarm water. Use this concoction to gargle at least two times a day to recover from the soreness.

2. Take turmeric milk:

Another recipe from grandma's kitchen! Turmeric as an ingredient is widely popular in the Indian kitchen. It has surprising healing and anti-inflammatory properties. Mix half a teaspoon of turmeric powder into a glass of milk and stir well.

3. Honey – a sweet retreat:

Honey has various healing and therapeutic abilities. This makes it perfect for treating soreness. Honey acts as a superficial seal between the cracked throat tissues and prevents further accumulation of bacteria.
You can either consume honey directly or mix it with hot water or other herbal teas for best results.

4. Steaming – a warm therapy:

The tissues lining the inner wall of the throat produce mucus. However, they become dry and itchy when they are swollen or sore. Steaming can help retain the moisture levels by loosening the mucus layer in your throat.
Remember not to use steaming too often as it can cause difficulty in breathing, cause distress to the eyes and even cause coughing spells. Fill a vessel with boiling water and keep the container on a flat surface. Hold your mouth over the vessel and use a cloth over your head to prevent steam from escaping. You may even use a vapouriser machine to take the steam, but the traditional way has its own magic.

5. Give your voice good rest:

Giving your throat some rest is the best way to heal sore throats. Talking can put pressure on your vocal cords, further worsening the pain. Try sticking to lower volumes when talking till the soreness subsides. Sometimes, due to congestion, people tend to clear their throats. This heavily irritates the vocal cords and can strain the throat. Use gargling instead to clear out all the congestion.

If all the remedies mentioned above do not work for you and the pain prolongs, you must visit the doctor. Doctors can help you with the proper diagnosis and the necessary treatment. Sometimes, prescription drugs are the only way to fix prolonged soreness and irritation of the throat.

Look out for recurrent throat problems, difficulty breathing, earache, lumps in the throat, etc. These can be symptoms of severe health conditions and should not be taken lightly. Compromising your health can have severe long-term implications, and one must do everything to ensure the best health. One way to do that is by opting for the best health insurance policy in India. Health insurance adds value to your life and acts as a safety net for all your medical checks and treatment expenses. When you invest in your health, you indirectly invest in your life. Go ahead and choose what's best for you and your loved ones.

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

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

Supercars are known for their elegance. One can spot them from a mile away. Car enthusiasts are always on their toes about supercars' speed, unique design, and handling. A whole new level of exclusivity has been defined based on the characteristics of these mighty beasts. The distinctive sound they create, their high performance, and the luxury they project are factors that leave people desiring to buy one. These top-range cars leave others in the dust.

Let's discuss some features that make them superior!

1. Powerful bulls:
Potential buyers do not just look for powerful engines but also the power-to-weight ratio. A heavier car's engine spends a lot of its power pushing the vehicle's weight. The power generated by the humongous engines of supercars is exceptional. The thrust and torque brought into action shoot the driver's adrenaline to the extremity each time the engine is revved up.

2. Accelerate:
We all speak in numbers whenever we talk about the top speed of supercars. But that's just half of the equation. Of course, we do demand excessive-high speeds but faster acceleration to reach that mark is what doubles the thrill. The ability to reach 0-100 km/hr in a few seconds is a marquee feature that makes these cars stand out from the others.

3. Limited edition:
Limited releases maintain the exclusivity and uniqueness of these supercars. In addition, they are marketed as "far-fetched and elite," adding to their "limited" release marketing. This ensures the hype of these machines stays intact throughout.

4. Expensive models:
Considered "a class apart," supercars are supposed to be hard to afford. However, the premium design and features of these cars explain their steep price. The cost may seem high, but it is wholly justified. Supercars satisfy all the exclusive touchpoints of modern mobility, from safety to performance and from design to execution. So, indeed they add value to money and are worth the investment.

5. Handling is important:
A powerful engine or a high-top speed won't accomplish much if the handling isn't perfect. The aerodynamics and structural design are conceptualized with perfection to enable drivers to have complete control over the car even at high speeds.

6. Speed:
Insane speed is what an average person would describe when asked about supercars. The speed, amongst other, features draws the most attention to these cars.

7. Size of the engine:
The soul of a car is its engine. The engines of supercars are designed to be robust and efficient enough to muscle a beast that promises to attain 200 mph speed within a few seconds.

8. Build quality:
A powerful engine and insanely high speeds require an elegant and superior build quality for these cars to last long and perform to the best of their abilities.

9. Appearance:
You see a supercar, and you fall for its look. Their robust and gorgeous designs are among the most swoon-worthy factors about them.

Now that we've discussed the features of these supercars, which will indeed lure you into getting one for yourself. Supercars usually have high invoice value, and an owner of a supercar cannot take the chances with substandard car service or insurance premium rates. An exclusive car insurance online policy will provide additional security against theft, third-party damage, complete loss, and passenger damages. Car insurance online is an easy way to ensure the safety of your beast and enjoy the privileges that come with it. So, protect your priced car with car insurance online before you press the ignition button and vroom!

Click HERE to know more about 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.

When you buy a new car, the seller offers you a warranty for a certain period. A warranty is an assurance claiming that any vehicle repairs or replacement of parts will be done in case of a manufacturing defect. A warranty is paramount because a vehicle consists of various mechanical parts, and it assures you a hassle-free car ownership experience.

Many owners are unaware that the warranty is subjected to certain factors. Owners commit a few mistakes which void their vehicle’s warranty. Here are a few factors that can hamper your new vehicle’s warranty.

1. Electrical modifications:
One common reason people lose their car warranty is making unapproved electrical modifications. Many users make several electrical changes, including installing music systems, high-intensity headlamps, fog lamps, etc., from unauthorized stores. It leads to the failure of the existing electrical systems in the car due to tampering with the original wiring. It is advisable to rely on installing only the standard and branded electrical systems in your vehicle to save future costs and lower the possibility of warranty void.

2. Racing and reckless driving:
Using your regular passenger car for racing can put a lot of wear and tear on the vehicle as compared to driving normally on the road. Manufacturers keep records of license plates from racing events or reckless driving to deny your warranty claims. Rash driving usually ends up in severe unfortunate accidents, and if you are responsible for any mishap, the car manufacturing company won’t consider your car’s warranty.

3. Usage of unauthorized spare parts:
When you buy a car, you are provided with some spare parts. The car manufacturers assure these parts. However, not using original spare parts can affect your vehicle’s performance and thus hamper the warranty.

4. Irregular service:
A vehicle requires maintenance, and every car manufacturer recommends servicing your car at specific intervals. After purchasing it, failing to take care of your car can degrade its performance. On the other hand, getting your car serviced from a local unauthorized service center can affect its efficiency.

5. Flooding and natural disasters:
Remember that the seller will only conduct free repairs and replacements if there is a fault from the manufacturer’s side. If your vehicle was left unsafe during floods or other natural disasters, the warranty would not cover any such damages. Therefore, you must do whatever you can to protect your car during environmental emergencies.

6. Tampering the odometer:
Your vehicle’s odometer is one of the essential parts of a car. It indicated when it’s time for you to take your car for servicing. It can influence the amount you pay for a pre-owned car. Changing the odometer reading is considered fraud and will ruin the warranty.

To make sure your car’s warranty and your rights are protected, you must make sure that you follow the car manufacturer’s instructions and read the warranty policy thoroughly. If you have already voided your car’s warranty, you cannot claim free repairs and replacements. What you may want to consider here is getting an independent online motor insurance renewal for your vehicle to make sure you are covered, with or without a warranty.

Click HERE for online motor insurance renewal.

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

Throughout the years, a large percentage of women have taken up motorcycle riding as a passion. With the number of riders rapidly increasing, this hobby is no longer associated with one gender. A little hand in organizing goes a long way. From a newbie rider to a professional, we have developed a list of valuable suggestions that can help women riders.

1. Choose the correct gear:
Wearing the right accessories is one of the preventative strategies. To begin, ensure you have a properly fitting full-face helmet. Purchasing these items is well worth the money since it will protect you from unfortunate mishaps.

2. Tie your hair correctly:
Women with longer hair should not leave it untied while riding. Loose hair can disturb your vision or cause discomfort, which can be disturbing when handling the bars. Tie your hair in an appropriate way to get an uninterrupted riding experience.

3. Ride at your ease:
Even if you are a seasoned rider, riding at your own pace is critical. Some aspects, including seat height, riding stance, and suitable clothing, might have a severe influence on your riding.

4. Deal with the mechanic smartly:
Firstly, go to the garage only if the problem seems severe and out of your control. Try fixing it by yourself. If not, then you may take your bike to the mechanic. Some mechanics try to fool female riders and charge more than the standard pricing for the repairs. Acquaint yourself with the knowledge of bikes and their parts to avoid getting scammed by such people.

5. Learn the basics of maintaining your bike:
It is beneficial to understand how to keep your bike in shape to improve efficiency. You will be better acquainted with your motorbike while also saving some bucks.

6. It is preferable to wear snug-fitting clothes:
Avoiding loose garments is one of the most significant factors. Your loose clothing may increase the chances of getting caught on something due to the rapid pace. To prevent this, you can wear sleek, comfy clothing.

7. Get your registration and licence:
Two vital considerations are a bike registration certificate and a driver's licence. Make sure you have a valid driver's licence before riding a motorcycle.

8. Begin your journey on a small bike:
A general recommendation is that you begin your biking experience on a small bike, with which you may acquire a fundamental understanding of motorbikes. Eventually, you can choose whatever bike you like.

9. Plan your routes:
Plan beforehand if you want to spend a good deal of time on back roads or highways where you can cover more ground in less time. Remember that even if a highway does not offer you the scenery you hoped for, planning is always safer and will get you to your destination sooner.

10. Have your bike insured:
2 wheeler insurance is also a must for your bike. Third-party insurance is made a compulsion for a motorcycle under the Motor Vehicle Act of 1988. Remember to keep your 2 wheeler insurance policy active by updating it before it lapses.

Despite being a beginner rider or a pro, it is equally vital to consider the safety requirements to minimize unanticipated incidents. These aforementioned riding tips for women will be beneficial throughout your adventure.

Click HERE to get the best deal on 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.

Teeth that are strong and healthy are a sign of overall wellness. However, if you have a toothache, it is critical to figure out the cause of it. When the tooth's nerve root is inflamed, it results in toothache or pain. The dental pulp, which is delicate and spongy, contains several sensitive nerves and blood vessels located in the center of each tooth. The excruciating pain is due to inflammation of the pulp deep in the tooth. The primary reason is tooth decay or cavities in the mouth. Demineralization causes the tooth structure to break down and produce pain when drinking something hot or cold.

When you have a toothache, it's ideal to see a dentist as soon as possible because cavities don't affect until an infection reaches the tooth's nerve, and they could be an indication of a much bigger problem. Here are a few practical and scientifically supported remedies that can provide temporary relief until you see a dentist.

1. Saltwater rinse:
The first-line treatment for toothache is a saltwater rinse. As a natural disinfectant, rinsing with a warm saltwater solution can help ease the pain. In addition, it can aid in the removal of food particles and debris lodged between your teeth. Saltwater can also help reduce gum inflammation and treat minor infections that may be causing a toothache. Put a teaspoon of salt into a glass of warm water. Mix it well and rinse your mouth for at least 30 seconds before spitting it out.

2. Clove:
Indian Ayurvedic practitioners have embraced the medicinal spice to relieve toothaches. Eugenol, a natural antiseptic, is present in clove oil. Applying the oil to the sore tooth with a sterile swab can help relieve pain and reduce gum inflammation and swelling. Before using clove oil, dilute it with a carrier oil (like olive oil). You may also use clove oil as a mouthwash by adding a few drops to a glass of water. To relieve pain, place a clove on the tooth and chew it for a few minutes to release the oil and see the magic happen.

3. Garlic:
Being a natural pain reliever that also fights plaque-causing germs, garlic has been used for its therapeutic benefits for thousands of years. A toothache might be relieved by applying a paste of fresh garlic with a pinch of salt to the painful area. Fresh garlic, on the other hand, can be chewed gently.

4. Onion:
Onions have high acidity and possess antibacterial and antiseptic characteristics, which help relieve tooth discomfort by eradicating the germs that cause infection. Place a freshly cut onion slice between your teeth and gently chew it to help release the juices even more.

It's vital to remember that the options listed above will only provide temporary relief. You'll need to see a dentist for long-term treatment. Ignoring a toothache and not seeking treatment can cause the pain to worsen over time.

It's vital to remember that the options listed above will only provide temporary relief. Keeping the teeth strong reciprocates to a healthier lifestyle. Practice daily oral hygiene and consume a nutrient-rich diet to keep dental problems at bay. You'll need to see a dentist for long-term treatment. If you ignore a toothache and do not seek treatment on time, your pain will worsen. To cope with health problems without spending your savings, pre-plan with affordable health insurance plans to provide utmost financial security.

To look for affordable health insurance plans, 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.

Skating is an exciting way to have fun while exercising. It provides a complete core exercise due to the increased pulse rate, cardio, and muscular endurance. So, it's no surprise that the joy of skating draws many new skaters each year.

One great thing about skating is that it won't feel like an exercise, well, till the muscular soreness kicks in. But don't worry, that's temporary. Skating, like other sports, isn't as simple as it appears. But, with daily practice and a little enthusiasm, you can master it in no time. If you're new to skating, this blog is just what you need. We've compiled a list of things you should know before putting the rollerblades on and setting out.

1. Ensure that your skates are a perfect fit:
The ill-fitting roller skates are not only inconvenient but also unsafe. If the skates don't fit your shoes properly, you're prone to a fall that could lead to an injury. So make sure that the skates you're purchasing are neither too tight nor too loose.

2. Invest in good protective gear:
It's critical to wear the correct protection gear like helmets, wrist pads, and knee guards, especially when you're starting out. Some folks may think wearing a helmet is foolish, but they couldn't be more wrong. Even a slight head injury resulting from a fall can be fatal.

3. Take your lessons on a well-levelled surface:
It's best to start out on smooth and flat terrain. Of course, you'll be able to roller skate practically anywhere eventually. But, the idea here is to get a sense of how it feels on wheels. A cycle track can be a fantastic location to start. Basketball & tennis courts are also excellent to learn because they are commonly found in city parks and are generally smooth.

4. Learn how to take a fall correctly:
In skating, knowing how to land correctly is just as vital as learning to stay upright. This helps in avoiding major injuries or pulled muscles. Skating professionals frequently encourage newcomers to skate around a grassy area until they understand the fundamentals so that the grass may cushion their falls.

5. Few additional tips for beginners:

• Never get your skates wet. Do not skate on a damp surface.

• When you're just starting, avoid going downhill. You will not know how to stop at high speeds and end up falling terribly.

• Your skates may begin to show signs of wear and tear over time. So, make it a practice to inspect them every time you take them out.

• Hire a professional tutor to teach you.

We hope this quick set of tips will help you learn the fantastic sport quicker. Don't forget to enjoy yourself while you're at it, because the most important thing is to have fun. You will fall, bruise your knees and stretch your muscles at some stage of the process. So, don't forget to invest in best accidental insurance policy in India to protect yourself from the falls that your protective equipment may fail to save you from. Get up again, brush off the dust from your clothes and glide on.

Click HERE to know more about the best accidental insurance policy in India suited 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.

One common myth is that people believe the best interior designs require spending countless money. Fortunately, this is far from reality. Whether you live in a tiny room or a big bungalow, decorating your own home is all about exhibiting your aesthetic.

Everyone dreams of a beautifully adorned home. However, the proper budget plays a vital role in designing. Also, before conducting any repair or renovation work, ensure that you invest in a good house insurance India plan to cover all finances at the time of need.

So, let's dive into the hidden secrets that'll help you with all decorating needs.

1. Get rid of excess clutter:
Clutter has never been attractive and doesn't do any good to your home. Before making a design plan, you need to prioritize getting rid of all the unwanted items. Emphasise decluttering to get things flowing easily when beginning with an interior revamp. To make this task less daunting, you can take help from cleaners, friends, and family and make the job hassle-free.

2. Blend older items with modern furniture:
Every modern home should have antique or vintage items as it adds a well-collected and curated look. Bringing older pieces in furnished rooms with newer items instantly adds soul and depth.

3. Wallpaper older appliances:
If you have old appliances and want to change things, use peel and stick wallpaper to give them a fresh and new look. Wallpapers provide a contemporary look to your house's walls and surrounding areas.

4. Bring on aesthetic lights:
Investing in good-quality lighting will surely add a gorgeous touch to the room. It is recommended to switch existing bulbs with full-spectrum lights, as colour renders much better. This will prevent the room from having insufficient lighting and appearing cramped.

5. Choosing your style and colour palette:
Look through different interior design styles and choose what matches your personality. Then select the colour palette you'll like and not get bored of. Colour creates a rich visual experience and a pleasant atmosphere. They make things look more attractive and play a vital role in elevating your mood.

6. Use home accessories:
Small accessories can completely change the look and feel of your home at little to no cost. Artworks, candles, cushions, the list is long. All of these items give a modernized feel to the existing furniture. In addition, shelving organizes your study materials, business files, and books, making them look organised and clutter-free.

7. Keep open spaces:
Always preserve doorways and walking spaces. To make the space more breathable, keeping doorway or closet areas visually accessible is essential. If you cover them with furniture, your room will automatically start to feel off and dull.

8. Hide worn-out flooring with carpets:
If you don't have the budget to replace or refinish a worn-out flooring, one of the easiest ways is to cover it up. A large-scale rug or carpet tiles can bring your floor up to your design aesthetics. It also gives a comfortable place to sit, play or work. Also, carpets minimize noise by absorbing it.

Interior design isn't just limited to rearranging furniture and slapping paints. It is an art. You can turn any dull room into a masterpiece with little creativity and imagination. It is a form of expressing emotions and creativity.

Besides designing your home, as mentioned earlier, you should also invest your time and money in assuring its safety for the long run. So purchase an ideal house insurance India plan to safeguard your house and belongings from damages and loss owing to theft, fire, or flood.

Click HERE to know more about the home insurance plans suitable to your requirements.

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.