GENERAL INSURANCE BLOG

We've all been at a point where we've faced the situation of sudden guests’ arrival. And a messy home isn't impressionable. It's a lot of hassle, especially when you have people coming over. Throwing away those crumbled pieces of paper, wrappers, crumbs, pizza boxes, bottles, etc. On a calm day, this can be pretty therapeutic. But when you have last-minute company about to show up at your door in the next 20 minutes, you must be on a mission.

So, how do you clean it all up and make your space ready to host people? Don't worry. This article is precisely what you need -some last-minute hacks to make your home ready for your guests. Let's discuss some tips to make your home ready to welcome your guests.

1. Go to your room:
Make your bed. Fold the sheets or your comforter, arrange your pillows, put your makeup back in the drawer and tidy up your nightstand. Declutter the scattered items and put them in their respective containers so that you can find them easily later. Fold your clothes and arrange them back in your closet. Dust off all the eye-level surfaces. Once you finish dusting, clean them with a disinfectant or a cleaner liquid.

2. Scoot to the kitchen now:
Do you see all those utensils in the sink? Wash them or put them in the dishwasher to save time. Post washing, arrange them in their suitable racks or drawers. Wipe the slab and get your serving containers ready. Arrange them properly to avoid any mess in a hurry.

3. Clean your bathroom or restroom:
Replace the used towels with some fresh ones. All the dirty clothes must go in the laundry bag. Clean the mirror. Spraying some fragrant freshener will do the magic to get off the odour. If you have overnight guests, you can keep new toothbrushes, soaps, and shampoo sachets for their ease and convenience.

4. Dining hall:
Put away all your groceries in their respective containers and cupboards. Wipe the table clean and arrange the chairs correctly. Place the meal settings- the plates, tissues, napkins, and the cutlery- to avoid the chaos of the last moment.

5. To the living room:
Tidy up your entrance. Replace the dried flowers in the vases with fresh ones. Clean up the sofa and place all the cushions. Grab all the wrappers and boxes and make sure to take out the trash. Arrange all the newspapers and remotes scattered around. Place your gadgets away from the party to avoid any spilling or damage.

You can light a candle, put on some music, get some drinks and snacks ready to serve, and there you go. A spick-and-span home that is going to be admired by your guests

While that's a wrap on some last-minute hacks to clean up your house, what about safeguarding it? Life is unpredictable, and we need to be careful about the things we love. Your home is a massive part of your life, and protecting it should be your priority. Exploring your options regarding the best home insurance policy in India is a step towards avoiding unprecedented mishaps and monetary loss and securing your home and the memories attached to it.

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

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

Various fitness trends have come and gone since the 2000s, but people are still looking for new ways to get fit. With the global pandemic hitting us, people now prefer to work out in their homes because of the government’s orders to close gyms. As a result, online gym classes are also on the rise. Let us look at the upcoming fitness trends in 2022.

1. Weighted hula hoops:
Swinging a weighted hula hoop around your waist can be a great addition to your workout for burning calories and losing fat.

2. All-in-one fitness:
Instead of going to different places for your wellness needs, such as the gym, nutritionist, etc., you can find these professionals working under the same roof at all-in-one online fitness centres.

3. Virtual workout:
With modern technology, you can find various fitness apps with workout plans tailored to your requirements and even videos made by professionals for your reference.

4. Stroller fitness:
Taking your kid to the park can help you stay fit. In addition, pushing a stroller and walking can burn calories. You could even do single-hand chest presses, and lunge walks.

5. Community-driven wellness:
Going to the gym alone may be boring and unmotivating for some people. However, gathering a group of friends or family with the same fitness goals will support your journey and cheer you up on the bad days.

6. Wearable tech:
Fitness pros are now using wearable fitness devices such as smartwatches to track their workouts and stay focused on their goal.

7. Reverse running:
Reverse running is the act of running in the direction that your back is facing. It improves cardiovascular efficiency and endurance by strengthening the foot muscles.

8. Virtual trainers:
Hired virtual trainers can provide one-on-one workout sessions and give you the time and guidance you need.

9. Jogging with your dog:
Dogs make the perfect partners. They are a great company to be with, and you can play catch with them. This can keep you physically active and mentally at peace.

10. Kickboxing:
Make workouts fun by adding boxing and kickboxing to them. They are enjoyable and safe for all age and weight groups.

11. Stretch and recover:
Stretching for 10 minutes every day improves posture, reduces the risk of injury, and decreases muscle soreness.

12. Meditation:
Adding 15 minutes of meditation to your workout plan can improve your focus and control, which are much needed while exercising.

13. Quality over quantity:
Instead of working out for a longer period, choose the right exercises for your goal and put your best efforts into it.

14. Disconnected fitness:
While tech is a great way for virtual workout sessions, sometimes disconnecting is needed for good mental health and general sanity.

15. Cardio-rhythm classes:
Burning calories while dancing to your favourite music can be a relaxing and refreshing way of working out.

16. ZUU:
ZUU workouts refer to movements of animals such as gorillas, frogs, and bears and aim to improve your body’s flexibility.

17. Customized programs:
Everybody has different types of bodies, capabilities, and requirements. Instead of following others, have a fitness program tailored to your needs for maximum gain.

18. Trapeze classes:
Trapeze is aerial yoga involving traditional poses, pilates, and hammock dances.

19. Building a foundation:
It is crucial to building your foundation with exercises such as squats, hinges and lunges for at least a month before beginning a heavy workout. It prevents chances of injury.

20. Workout for wellness, not abs:
Instead of aiming to shed pounds and gain abs, strive for the overall wellness of your mind and body.

Staying fit is crucial, and everyone should incorporate exercise into their lives. Remember that good health is not about the weight you lose but the life you gain. By coupling fitness measures with a good health insurance policy for family, you can safeguard your health and finances altogether.

Click HERE to get more details about the best health insurance policy for 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.

Industrial employment frequently constitutes a high degree of danger of workplace accidents. This challenging scenario can be created by heavy machinery, electrical lines, loosely suspended objects, short circuits, all of which can be life-threatening. Moreover, such hazards adversely impact working conditions.

These industrial accidents can be severe and, in many cases, cause long-lasting damage. Fortunately, public liability insurance provides support for protecting workers from these mishaps.

Let’s understand the most common causes of industrial accidents.

1. Improper functioning of machinery:
Industrial machinery is highly complicated and sophisticated in its design and operation. A faulty component can result from something as simple as a loose screw or a frayed wire. A variety of safety features is in place to guard against the possibility of a fire, overheating, or other problems. But the probability of these functions and operations having faults cannot be neglected. This necessitates a high level of ongoing maintenance to eliminate the possibility of any mishaps.

2. Mistakes made by employees:
Employee routines and behaviour influence workplace productivity. The causes contributing to industrial accidents are an improper use of machinery, inability to concentrate, failure to pay attention to detail, and insufficient training. In addition, a lack of knowledge and experience can lead to unexpected accidents.

3. Overworked employees:
Injuries caused by physical exertion (such as lifting) are widespread in the industries. This is bound to occur when workers are not given proper breaks or rest sessions and are not alert when performing tasks.

4. Chaotic workplaces:
Industrial cleanliness is often more prevalent in client-facing firms than in businesses that do not require daily visitors. Housekeeping is widely considered a good sign of a company's commitment to safety and faith in quality. Hence all businesses must maintain a clean and hygienic environment. Lack of proper cleaning in the workplace can lead to an accident.

5. Accidents from stumbling, falling, and slipping:
In some cases, careless personnel might fail to close cabinets or drawers properly while reaching for goods, putting lives in danger. In addition, dangling electrical wires in the workplace can be a severe hazard for employees. Every employee must be aware of any messes, wet flooring, or slippery surfaces they encounter when moving around the workplace.

6. Distractions:
Distractions have a significant influence on a worker's day-to-day safety. Boredom might impair decision-making abilities when a person has been doing the same thing for an extended amount of time.

7. Taking shortcuts:
It can be tempting to cut corners to complete tasks more quickly. Yet, doing so might result in various dangers and complications. Unquestionably, taking shortcuts is a method that compromises employee safety and will raise the likelihood of injury. As rightly quoted, “There’s no substitute for hard work”. So, the workers must follow the processes instead of taking unnecessary shortcuts.

Accidents in the workplace can result in significant injuries that can take a severe toll on the employees' well-being and affect the growth of the industries. Therefore, it is crucial to maintain discipline while working. Proper safety measures and working guidelines must be ensured in the workplace, and the staff must be trained for the same. Next, industries should implement public liability insurance to guarantee that employees are fully covered under the hood of a helpful insurance plan.

Click HERE to know more about public liability 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 bike enthusiasts have always wanted the liberty and joy of taking their two-wheeled companion on enchanting rides. To make this happen, your bike needs to go through proper upkeep: regular servicing, oil changes, and up-to-date bike insurance. And although your bike is your beast, does it need to be making that insane amount of racket? Certainly not! Bikes usually start to make noises as they grow older and as the engine and exhaust quality deteriorates due to several factors.

Let's look at a few different ways to make your bike's exhaust less noisy. We will consider it from an economic perspective so that it is not too hard on your pockets.

1. Replacing the existing muffler:
Mufflers play a pivotal role in muting the engine noises. These are specially designed to facilitate the sounds that the engine makes. Replacing the old ones with a better one can help you solve your problems.

2. Patching holes:
Another reason your exhaust might be making noise is rusting, which forms holes in the exhaust. You must give primary care to avoid rust. However, if it does start rusting, the next best alternative is to examine the exhaust for any holes.
The bigger the holes, the louder the noise. Small cavities can be filled using exhaust tapes, while bigger ones can be patched using aluminium scraps. Keep in mind that the patch should be bigger than the cavity so that it overlaps and no space is left unattended.

3. Exhaust wraps:
The basic idea behind exhaust wrap is to reduce the heat. However, its ability to reduce vibrations can also lead to a reduction in sounds. They are readily available in the market. Adding a few fiber-glasses to the titanium ones can significantly reduce the sound.

4. Silencer:
Another foolproof method is using a silencer. As the name suggests, it is used to silence the sound coming out of your exhaust. Just be mindful of getting a silencer with the correct dimensions to fit your exhaust. Always purchase a good quality one that fits the best in your bike's requirements.

5. Switching to new pipes:
This should be the last step in your journey to make your exhaust less noisy. If the tricks mentioned above don't help you, you should consider changing the pipes altogether. This option can be expensive but is an instant solution for the problem.

6. Prevention is better than cure:
Instead of waiting for your bike to start making unbearable noises, it's better to put your bike through regular check-ups and servicing. Getting bike insurance would be ideal considering the various parts that might need replacement or just to breathe easy knowing that your bike is insured against damages.

Try these hacks to lower the rumbling of your bike and go on jolly good rides with your loved ones. Travel safe and drive responsibly. Don't forget to get the bike insured because, along with good care, the shield of good insurance is what your bike demands.

Click HERE to check out the best bike insurance deals.

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 the festive season is around, our homes need a touch of elegance. Festivals are the most-awaited time we celebrate by decorating houses and lighting up lamps and candles with much enthusiasm and zeal.

Cleaning the furniture and other areas of your room is not the only way you want to decorate your home. This post will provide some handy tips and ways to decorate your home for this festive season to bring a positive and fresh look.

1. Spend in good lightings:
Lightings play a vital role in giving a luxurious look to your home. You can invest in good lighting such as lamps, LEDs, chandeliers, fairy lights, and more and set them up with the interior of your home.
Warm yellow and white lights are known for their beautiful and lavish effect. Whereas bright and fancy lights mark celebrations and are ideal for giving your home a festive look.

2. Aesthetic food presentation:
Serving food is another familiar gesture during the festival seasons, so why not give them an aesthetic touch? The easiest way you can decorate the food table is by picking the right sets of crockeries to serve the food. Next, you can use a three-tier platter to display the starters and add candles for the final touch-up. Do not forget to use small flowerpots for a beautiful food table set up.

3. Indoor plants:
Going natural never goes out of style. In fact, in recent years, the trend of indoor plants has increased. Besides a natural look, indoor plants also play a vital role in giving your home a fresh and vibrant look.
You can find a wide variety of indoor plants with different pots and colours. You can either choose to hang the plants or put them everywhere around your home. In addition, you may place tall candles next to the plants to give your home a contemporary look.

4. Paying attention to the bathroom look:
The bathroom is a higher traffic area during the festive season. Ensuring that the bathroom is fresh and comfortable for your guests is a good gesture. You can arrange a small pot of beautiful flowers on the vanity. In addition, make sure that the wastebaskets and tissue covers inside the bathroom match your aesthetics. You can use a small glass or wooden tray to display the day-to-day supplementary items such as hand washes, creams, soaps, and napkins.

5. Look out for the covers:
This comes as no surprise that the bed sheets and covers of your pillows can change the entire look of your home. For a lively look, you can pick bright colour covers, tablecloths, mats, and bedsheets, but you need to be careful with the overall theme of your home. You can use contrast-coloured covers to lighten up your home with a more elegant look!

6. The right furniture:
If the festive season is around, decorating your home does not mean you need to invest higher in furniture. Sometimes just a piece of furniture does the work. You can start with one piece of furniture and place them accordingly. Then, in the next festive season, go for another!

Lastly, you do not want to send your friends and family empty-handed from your home. Say goodbyes on a happy note by giving them gifts as a sign of your love and care.

The festive season has traditionally been an auspicious time to begin new things in life. So, while you shop for new items and furniture, also gift your home with a promise of safety. General insurance plans have been a helping hand to homeowners to claim for financial losses due to damages or incidents. There are several options for general insurance plans to choose from; you need to specify your needs. Purchase one this festive season and feel protected in the warmth of the celebrations.

To know more about the different general 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.

Wildlife photography requires a great deal of skill to master. However, it is possible to acquire a head start and become a good wildlife photographer with some practice and easy tips. In this post, we'll go through some suggestions to help you enhance and polish your skillset. Here are some tips for beginners to start their photography journey into the wild.

1. Plan your journey:
Start with your apparel; you will require a good pair of shoes to help you in the wild terrain. Next up, wear comfortable clothes that blend with the environment to draw the best results. Always make sure the gear you're carrying is fully functional. Don't forget to check the weather on the day you're out. Carry extra batteries for your equipment, ample water, and some snacks to keep you fresh throughout the day.

2. Photograph those moments you find appealing:
Don't take pictures just because you believe they'll appeal to others. Photographing the things that interest you will keep you motivated to attempt new things and, most importantly, allow you to have fun. Moving beyond your comfort zone can be intriguing and refreshing too. But always remember, originality is the key.

3. Utilize natural light:
Light is essential. Plan your shoot around the type of light you want for the final output, bearing in mind that shooting the same subject at different times of day will provide completely different effects.

4. Learn about the subject's behaviour:
Patience is the key while shooting wildlife. Make good use of your time by carefully observing your subject and sensing their movements and thoughts. This will allow you to anticipate the animal's movement, and you'll be ready for the perfect shot. You need to respect the animals and try to make a connection with them before capturing their movements. Make sure that you don't disturb their privacy, be patient and wait for the right time.

5. Play around with the point-of-view:
Don't just be a bystander! Move around to get a different or more fascinating perspective on your subject. The preferred method is to get down incredibly low so that you're on the same level as the animal; this creates a more intimate photograph by giving you a better bokeh effect in the backdrop.

6. Urban Touch:
Wildlife does not only reside in rural areas; many beautiful species dwell in our cities. Don't assume that just because you're in a metropolis, there won't be any animals. Urban foxes, of course, are well-known, but keep an eye out for monkeys, cats, and even cattle. You can even spot many bird species, as our structures provide suitable nesting areas away from predators.

7. Don't forget to experiment:
Play with different settings of your camera, the depth of field, light conditions, points of view, and much more, an experiment in every single thing that you do.

8. Respect the environment and have fun:
Your goal is to respect nature rather than interfere with it. Be courteous and leave nothing but your footprints behind. As you follow your passion, don't forget to enjoy the process.

You'll be into the wild at the end of the day, and out there, there are no rules. While filming or taking photos, there are chances that you might get hurt as your concentration is just on the animal and your camera. You may tend to overlook the obstacles in your way. We recommend you insure yourself with an ideal insurance plan that will cover you in times of these accidents. It is easy to get personal accident insurance online these days. Purchase one for yourself before your next trip into the wild.

Click HERE to know more about the personal accident policy.

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

The idea of moving into a new home is exciting, but the process of it can be hectic. Even finding a good apartment in the desired locality within your budget is a struggle.

Packing and moving all your things is a challenging task; you need to ensure that you change your address in all places, cancel utility services at your old house, and much more.

But the whole process becomes easier when you organize and maintain a checklist for all the tasks.

Staying on schedule will help you calmly move into your new house, and it will even give you time to make any last-minute changes.

Time becomes more precious as the moving date approaches, so we have made the checklist that will speed things up for you.

1. One month before:

● Look for moving companies and get an estimate quote from them.

● Start selling items you would not take with you.

● Make a list of items you need to buy for your new house.

● Schedule a pickup for items you are donating.

● Find a new doctor, dentist, and veterinarian in your new locality.

● Enroll your children in a new school.

● You should purchase online general insurance before moving into your new house.

● Check whether your new house requires any repair work.

2. When you decide on a moving date:

● Finalize a moving company.

● Take leave from work for moving and unpacking.

● Schedule an installation for electronics like television, air conditioner, geyser, and internet connection.

● Cancel utility accounts at your old home and set them up at a new house (utilities like water, electricity, and gas)

● Make a list of all the items you’ll be packing, from your television to your bathing bucket, don’t skip anything.

● Start packing your items into boxes and use tapes and bubble wraps to avoid any damage.

● Update your address to:

○ Your office

○ All important documents – Aadhar card, Driving license, Passport

○ Institutions like schools or colleges

○ Subscriptions

○ Friends and family

○ Financial accounts like a bank, retirement accounts, student loans

● Mail or call your insurance agent to change your address. You can also go to your online general insurance website and do the procedures to change the address.

3. One week before:

● Clear your refrigerator. Eat or toss the food in your kitchen.

● Confirm the details with the moving company.

● Stock your medications.

● Prepare a bag with everything you will need before you unpack.

● You will need a few toiletries, blankets, and mattresses for the first few days until you settle fully.

● Check everything thoroughly before you finally leave your old home, and verify your checklist to confirm that all the boxes are loaded in the truck.

4. After you move and settle in:

● Change all your locks and set up a security system.

● Check if all the packed boxes are in place and nothing should be missing.

● Arrange all the things properly to their desired places.

● Get your security deposit from your previous landlord.

● Open a new bank account if your current bank doesn't have a branch in your new locality.

● Create a home maintenance list.

Now you have a clear idea of how to go about your moving process. Use this checklist to avoid any mistakes during your move, and another essential thing to do is greet your new neighbours. They can help you out with a lot of stuff. Also, don't forget to throw a housewarming party and invite your friends, family, and new neighbours over. It will be a great motivation not to delay unpacking.

To get the best quotes for a home insurance policy, 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.

Maintaining good health is everyone's goal. But just going to the gym won't help you or add more years to your life. So, here are a few habits to integrate into your life to feel healthier and happier:

1. Drinking water as soon as you wake up can be the best health advice anyone can give you. Keep a glass of water on your nightstand to hydrate your body in the morning.

2. Drink green tea; it helps to break down fat and prevents new fat cells.

3. Do not use artificial sweeteners, they may be tempting in your coffee, but they don’t do any good to your body.

4. Plan your workout schedule ahead of time. If you've already paid for a class, you're more likely to attend it. Also, scheduling your sessions with a trainer will help you stick to your routine.

5. Miss your late-night binge-watching sessions and get proper sleep if you want to stay fit and be ready for another challenging day.

6. Avoid emotional eating. It is a fact that boredom and stress trigger unhealthy cravings, so stick to a healthy diet.

7. Be active besides your routine gym. Regularly take walks during lunch, play outdoor games, and go for activities like trekking.

8. Do not forget snacks. It keeps your metabolism high and keeps your hunger and energy levels steady throughout the day. But healthy snacks and not junk.

9. Control your sugar intake; treating yourself sometimes with a dessert is good but having desserts all the time is not a smart option.

10. Walk! To avoid being a sedentary person, you need to take at least 10,000 steps a day.

11. Stick to homemade food; though you might not like your cooking skills, you will surely love the feeling of being healthy.

12. Be in the company of people who prioritize their health. Hanging out with like-minded people helps you stick to your goal.

13. Eat until you are no longer feel hungry, not until you feel filled up. The habit of overeating also makes you feel sick.

14. At one of your meals, double your veggies and skip the starch. For example, you can replace rice with broccoli.

15. Do not multitask during your lunch. Instead, be mindful during eating! It will help you feel satisfied with your lunch and be more in control of your appetite.

16. Know your energy patterns. Do tasks that require concentration in the morning when you feel fresh and save tasks like checking your mail for post-lunch when your focus is low.

17. Journaling helps both your mental and physical health. Just reflecting on your day and writing down your random thoughts will help your mind relax. Plus, you can track your habits, sketch your plans, etc.

18. Socialize. Make connections with people who generally remain happy and empower your success. Humans are social creatures who thrive on healthy, loving interactions.

19. Adopt a pet. When you are accountable for another life, you learn to be responsible for yours too. You start to manage your time, and a pet can be a great source of joy in your life.

20. Be close to nature, make regular visits to the park, and meditate or settle down under a tree early in the morning.

21. Laugh! At a stand-up comedy, while watching your favourite TV shows, or when joking with your friends. Laughter boosts your mood and improves your immune system.

So, try these simple, easy-to-remember golden points for a healthy and stress-free life. But we have one more crucial point that can be an additional stress reliever – a health insurance policy. Yes, health insurance is essential to safeguard your family and have a financial backup in times of medical emergencies. With things getting online, search "best health insurance policy in India" and various options will flood your screen. Stay wise, stay fit!

To learn more about best health insurance policy in India, 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.