GENERAL INSURANCE BLOG

If you want to do something good for humanity, you do not have to deal with arduous tasks. You can reach a blood donation camp and donate your blood. A drop of your blood can be life-saving for others. A report claims that India requires five crore units of blood daily. The same report also reflects that someone requires blood every two seconds.

Since there is no substitute for human blood, donating it is essential for everyone and the only option. Nevertheless, blood donation has a few surprising physical benefits, which we will cover further as this blog progresses. Staying fit is not an illusion. One can achieve and manage it by indulging in regular exercise, a proper diet, and sound sleep. Along with occasional blood donation, every health-conscious person should focus on health insurance policy renewal.

In the following section, find some surprising health benefits of donating blood.

1. A free health screening:
Blood donation ensures a free health screening for the donors. Routine tests have become costly in private laboratories in India. As a result, people do not undergo frequent health check-ups to save money. Not doing this can lead to non-identification with various complex diseases. Diagnosing such diseases early can help in better management and quicker treatment.
A blood donor undergoes a mini-physical examination before the donation process. For example, the screening test includes checking pulse, haemoglobin level, blood pressure, body temperature, etc. The screening test is free, and the test helps to know a few physical complications that were not known to you earlier.

2. Reduce the harmful iron storage in your body:
According to research, one out of two people are vulnerable to hemochromatosis, a physical condition due to iron overload. Most of the time, it is a genetic disease, but you can prevent it from happening by giving blood regularly.
Hemochromatosis patients need to undergo a treatment that removes additional red blood cells from their bodies. Instead of undergoing such a treatment, you can easily reduce iron storage by donating your blood regularly.

3. Reduce the risk of heart diseases:
Donating blood might lower the chance of heart disease, but it doesn't mean that regular blood donors will never get heart disease. According to the studies, a regular blood donor can reduce heart attacks by 80% through blood donation. Various medical research teams have noted that excessive iron in the blood increases the risk of heart attacks. As stated above, donating blood reduces excessive iron storage in your blood.
As a result, donating blood can prevent the risk of heart attacks. But it doesn't give you any guarantees this way, and you still need to stick to your workout and diet plans to avoid heart attacks. People with good heart conditions can obtain low-cost health insurance policy renewal deals.

4. Prevent the risk of cancer:
Cancer is one of the diseases that are fatal and difficult to deal with. A large number of people develop blood cancer. But did you know that you can reduce the risk of blood cancer to some extent through regular blood donation?
Various studies have revealed that blood donation can reduce the risk of blood cancer since it reduces the risk of hemochromatosis. Patients with the peripheral arterial disease have the highest risk of developing blood cancer, and donating blood regularly can lower this risk.

5. Psychological and social benefits:
Many researchers have also found psychological benefits of donating blood. Donating blood is a noble thing, and it can bring mental satisfaction. Many people want to work in favour of humanity, but they cannot find ways of helping others. Donating blood is the best way of helping others, as it can save a life in an emergency.

Keeping the body and mind healthy is the best way of living, and blood donation impacts both body and mind. You will feel healthier and mentally happy after donating blood. You should consider various other ways to keep your health in good shape. One way to do so is by investing in reliable health insurance. Always remain up-to-date regarding the health insurance policy renewal and avoid it from lapsing.

Click HERE before you miss out on your health insurance policy 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.

Bike engine damage can be severe and adversely impact you financially. Even though it doesn't break down often, fixing the engine can be expensive. An engine protection in your two wheeler insurance helps you in case of damage caused by water getting into the engine or oil leaking and making the engine non-functional.

You always have to select it as add-on insurance, as the comprehensive coverage does not cover the engine. For a little higher premium, you may rest easy knowing that you are protected financially if the insured bike's engine suffers damage.

The bike engine protection add-on covers the cost of repairing or replacing engine and gearbox components damaged by water intrusion, lubricating oil or coolant leaks, or a hydrostatic lock of the covered bike. The engine protection add-on is essential that you should consider when buying bike insurance.

The two-wheeler engine protection cover's advantages are as follows:

• It covers the cost of the bike's most expensive component - the engine

• Protection against physical harm caused by hydraulic lock to the engine and gearbox

• Financial protection against engine oil or lubricant leaks caused by water intrusion

• Provides monetary security

• Ideal for residents of flood-prone areas

The engine protection add-on does not cover the following items:

• Any maintenance or replacement due to normal wear and tear

• Repair or replacement of an internal part of the engine or gearbox because the driver was drunk, illegally racing, or the bike was driven while the driver's licence was invalid

• Damage or losses caused by engine corrosion

• The price of lubricants or engine oil

• Any claim made following the deadline for notifying the insurer of the incident

• Any claim in which engine parts were repaired or replaced without first notifying the insurance provider

• Any claims that are beyond the manufacturer's warranty

Do you need an engine protection add-on?
When you buy insurance from 2 wheeler insurance India, the "Engine Protection" is generally not covered. It is an advantage that is provided as an add-on. You should opt for this feature if you live in a region prone to flooding. For a small additional premium, you can relax knowing that the most expensive component of your motorcycle is covered and stop worrying about unexpected repair costs resulting from engine damage.

Who should purchase the engine protection option?
With a small cost on your annual premium, the engine protection add-on cover provides additional protection. For the following reasons, it would be best if you gave some thinking to get the bike engine protection add-on:

• If you have just purchased a new bike

• If you live in a flood-prone location

• If you want financial protection against significant damage to the engine parts

Understand that any damage to the engine's internal components can be expensive. To prevent unintended damage to the engine or gearbox components, check the engine oil level frequently. The bike should be serviced regularly as per the schedule, and you should change parts like the air filter and oil periodically to keep the engine running smoothly.

Avoid over-accelerating the engine because this could cause it to overheat and harm its internal components. Also, avoid buying duplicate parts during any post-damage repair. Lastly, buy a reliable 2 wheeler insurance India with an efficient engine protection add-on to enjoy an exceptional benefit.

Click HERE to buy the best 2 wheeler insurance India.

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

Are you planning an adventure group trip on your motorcycle? Do you have all the necessary safety gear and insurance coverage in place? While helmets, protective clothing, and two wheeler insurance online in India are essential for any rider, have you considered bike-to-bike communication? On-road communication with fellow riders ensures a safe and enjoyable ride, especially for long adventures.

In this article, we will discuss why bike-to-bike communication is essential for safe adventure rides and how it can enhance your overall riding experience.

The importance of bike-to-bike communication
Riding a motorcycle on long adventures can be an exhilarating experience. Although, it can also be challenging, especially when you are riding in a group. When riding with a group, it is essential to maintain proper communication to ensure everyone's safety.

Bike-to-bike communication allows riders to stay in touch, share information, and coordinate actions. It is advantageous when riding on unfamiliar roads or encountering unexpected obstacles.

There are numerous benefits of bike-to-bike communication. For example, it allows riders to warn each other of potential hazards, such as potholes, gravel, or other obstacles on the road. It can also help riders to navigate tricky terrains and communicate directions.

Types of bike-to-bike communication
There are several ways to establish bike-to-bike communication. The most common method is through hand signals. Hand signals are simple and effective, and they do not require any special equipment. However, they can be challenging when riding at high speeds or in noisy environments.

Another way to establish bike-to-bike communication is through Bluetooth headsets. Bluetooth headsets are wireless communication devices that can be attached to the helmet. They allow riders to talk to each other through a built-in microphone and speakers. Bluetooth headsets are convenient, and they provide clear and uninterrupted communication. However, they can be expensive and may require a specific installation.

CB (Citizen Band) radios are another way to establish bike-to-bike communication. CB radios are two-way radios that allow riders to communicate with each other within a limited range. They are effective for long-range communication and are helpful when riding in areas with poor cell phone coverage. However, CB radios are bulky and require a power source, making them less portable.

The advantages of bike-to-bike communication
Bike-to-bike communication has several advantages that make it essential for safe adventure rides:
1. It can prevent accidents by enabling riders to warn each other of potential hazards on the road.
2. It can enhance the riding experience by facilitating social interactions and camaraderie among riders. Riding with a group is often more enjoyable than riding alone, and bike-to-bike communication can make the experience memorable.
3. Bike-to-bike communication can provide security and confidence when riding in unfamiliar territories.
Bike-to-bike communication is no longer a luxury but necessary for safe and enjoyable motorcycle adventures. By using a communication system, riders can remain connected and aware of their surroundings, enabling them to make quick and informed decisions.

Communicating with fellow riders can be especially important when encountering unexpected challenges on the road or when travelling in a group. By staying in constant contact, riders can reduce the risk of accidents, get help when needed, and stay on track toward their destination.

Whether planning a long-distance ride or just a quick trip with friends, having a reliable communication system will allow you to fully immerse yourself in the journey and enjoy the ride to its fullest potential. So, be sure to equip yourself with the right tools and enjoy the ride with peace of mind knowing you are fully connected and ready for unprecedented situations.

While bike-to-bike communication is crucial for safe adventure rides, it is not the only aspect requiring attention. Insurance coverage is also an essential component of any rider's safety toolkit. Two wheeler insurance online India provides financial protection against accidents, theft, and damage to the vehicle. In addition, it also offers third-party liability coverage, which protects the rider against legal liabilities arising from injury or damage to third-party property. Ensure your trip's safety by investing in reliable two wheeler insurance online India.
 

Click HERE to learn more about the benefits of purchasing two wheeler insurance online India.

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

The MV Act, or the Motor Vehicles Act of 1988, regulates the legal environment surrounding motor vehicles. It states that every car owner must buy new car insurance after acquiring a new car or renew it immediately after its expiry. It is one of the three must-carry-along documents for drivers, including a PUC certificate and driver's licence. With increased regulations and growing awareness regarding the financial burden of shouldering expenses in case of an accident, the policyholder base of motor insurance has risen steadily.

Despite the importance of car insurance, it cannot be said to be a comprehensive policy. Some aspects are left out in the document's fine print and are available as add-on facilities. Therefore, while most people know the need to buy new car insurance, only some are aware of general exclusions.

A typical example is the consumables in car insurance, which is discussed in detail in this blog.

General inclusions under car insurance:

While each insurance company may offer a slightly varied version of car insurance, generally, third-party car insurance covers accidents that cause damages to other parties or their properties. Without such a policy, you will have to bear the losses and compensate the affected party.

A comprehensive policy has two aspects, a third-party car insurance policy and own damages cover. Thus, it provides enhanced protection against personal injuries and manmade and natural disasters. Since consumables are nowhere mentioned as included, it is implied that they are an exclusion from the policy.

Understanding consumables:

Consumables in accounting refer to assets used within the process and are sometimes held on standby for future use. The former part of the explanation applies to consumables in cars. These items are used in the general running of a vehicle and are subjected to continuous wear and tear.

Consumables in a car can be identified as brake oils, engine oil, lubricants, refrigerant for AC, ball bearings, nuts, screws, bolts, washers, etc. In simpler words, they aid in the efficient running of the vehicle without forming a large chunk of the cost and are put to use regularly, which is why they deteriorate faster than other car parts.

Consumables insurance:

While consumables may not appear to be a prominent aspect of the relevant cost incurred in purchasing a car, they play a crucial role in the proper functioning of the vehicle and must be noticed. It is prudent to insure your car's consumables to prevent any financial losses you may have to bear due to improper condition of consumables.

Although not included in comprehensive insurance, insurance companies provide the facility to select add-on consumables insurance by paying an additional premium for the service.
Add-on consumables insurance covers expenses incurred for replacing items like engine oil, brake oil, steering oil, coolant, AC gas, refrigerant, dust filters, air filters, engine filters, bolts, nuts, washers, screws, grease, etc. It is important to note that consumable insurance is usually provided for cars not used for more than five years.

Exclusions of consumables insurance:

It is a specific add-on insurance type that only covers relevant costs relating to consumables. The general conditions to claims are similar to any other car insurance or allied add-on facility. In the following conditions, the claim is not admissible:

● Driving without having a valid driver's licence

● Driving under the confluence of substances or liquor

● Misuse of personal vehicle for commercial use

● Prolonged delay in informing the insurer regarding the replacement of consumables

● Misuse or overuse of policy to claim the maximum benefit, as against a rational person's actions

Consumables play an essential role in a car and must be considered when you buy new car insurance. The policy is purchased by fulfilling common conditions similar to car insurance. It helps file a claim for replacement costs of consumables by informing the insurer.

Click HERE to buy new car insurance policy.

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

Summer is a time for fun and outdoor activities, but allergies can become a spoilsport for many people. Various allergens can thrive in higher temperatures and humidity levels, causing people to experience allergic reactions. Pollen, mould, insect stings, food, and sun allergies are among the most prevalent summer allergies. Sneezing, runny nose, and more severe reactions like anaphylaxis are just a few of the symptoms that these allergies can produce.

Here's something you must know for your relief. Buying a health insurance policy for family covers various medical costs, including those incurred because of allergies. Depending on the policy, doctor visits, prescription drugs, diagnostic tests, and hospitalisation may all be covered.

Here, we'll go into detail on the symptoms of the most prevalent summertime allergies. Understand these symptoms so that you can work out the remedies to prevent the situation from getting worse.

1. Mould allergies
Mould is a fungus that grows well in warm, moist places like restrooms, basements, and air conditioners. The summer months bring higher humidity levels, perfect for mould growth.

Inhaled mould spores have the potential to cause following allergic responses.

● Runny nose
● Itchy eyes
● Skin rashes
● Coughing
● Wheezing

Mould allergies occasionally result in respiratory issues or sinus infections that can disrupt your routine.

2. Sun allergies
Sun allergies are common during summer. The most common cause of sun allergies is an immunological response to the sun's ultraviolet (UV) radiation that results in an allergic reaction.

Sun allergy signs and symptoms include:

● Itching
● Swelling
● Burning sensation
● Redness, rash, hives, and blistering on the skin
● Headache

Sun allergies may occasionally result in fever and chills. Covered skin, a hat, an umbrella and sunscreen can be effective when heading out in the sun.

3. Pollen allergies
Hay fever and allergic rhinitis are additional names for allergies to pollen. During the reproductive process, plants release pollen. It can trigger an allergic reaction in certain people when inhaled. Symptoms can vary in severity depending on the individual and the type of pollen that causes the reaction.

Pollen allergies can cause these symptoms:

● Congestion
● Itchy and watery eyes
● Sneezing
● Fatigue
● Runny nose
● Throat irritation
● Headache

Pollen allergy episodes and breathing difficulties might occur in extreme situations. If
you are susceptible to pollen allergy, wear a mask when heading out.

4. Food allergies
Food allergies can occur during the summer, a season for picnics, barbecues, and outdoor dining.

Food allergies can cause these symptoms:

● Abdominal pain
● Diarrhoea
● Nausea and vomiting
● Anaphylaxis (a severe, life-threatening allergic reaction)
● Itching, swelling, and hives
● Difficulty breathing

Those with food allergies must remain cautious to prevent unintended exposure to allergens.

5. Insect sting allergies
Bug stings are common in summer months as Insects like bees, wasps, and hornets are more active.

Among the signs of an allergy to bug stings are:
● Dizziness
● Difficulty breathing
● Nausea and vomiting
● Diarrhoea
● Swelling, itching, redness, and pain around the sting area
● Hives

Preventing summertime allergies
You should take precautions to lower the risk of allergy reactions. Consider the following tactics:
● Verify the pollen count: Daily pollen counts for your location are available on many weather websites and apps. Before scheduling any outdoor activities, check the pollen count. Try to stay inside during periods of high pollen.
● Utilise air conditioning: The air conditioning in your house might help filter out allergies. Use a HEPA-filtered air conditioner to keep allergens out and close the windows and doors.
● Know what triggers you: Determining which allergens cause your symptoms is the first step in preventing summer allergies. This can apply to meals, pollen, mould, bug stings, etc. When you are aware of your triggers, you can take precautions to prevent them.
● Maintain a spotless home: The number of allergens in your home can be decreased with routine cleaning. Keep the carpets and upholstery clean, and wash your bedding and curtains frequently.
● Putting on protective clothes: Wear long sleeve shirts and slacks when you're outside to shield your skin from bug bites and sunburn. Pollen exposure can also be decreased by donning a hat and sunglasses.
For many people, having allergies in the summertime can be unpleasant. Sneezing and a runny nose are subtle symptoms. Anaphylaxis is a more severe symptom. It's essential to know your triggers, take precautions, and consider immunotherapy to prevent summertime allergies. Also, speaking with a healthcare professional about allergy prevention and treatment is essential. It is also crucial to have an appropriate health insurance policy for family. A comprehensive health insurance plan can help you and your loved ones stay protected from the financial adversities that may arise due to health emergencies.

Click HERE to buy a 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.

Wellness is one of the most important priorities in life. It revolves around the complete well-being of mental, physical, and emotional states. Through wellness, the needs of the body and mind are met completely. It helps you achieve a state of rejuvenation. It is essential to experience a sense of solitude once in a while to fully detoxify your mind and body.

When you work excessively, your body gets tired after a point. It can lead to burnout or emotional breakdown. You need to take a detour and calm yourself down to avoid this. This can be achieved by escaping city life's hustle and restoring energy and enthusiasm at some peaceful locations. Wellness retreats with the abundance of nature, serenity, and greenery have a calming effect on you.

In this article, we recommend some of the popular wellness retreats in India that you should visit at least once a year to enjoy a digital detox and revitalise yourself. Before you go on your vacation, get the best personal accident insurance India to protect yourself from financial loss due to accidents during the trip.

Now, let's look at the destinations to enjoy a wellness retreat.

1. Rishikesh, Uttarakhand
Known as the spiritual capital of India, Rishikesh is full of nature and positive vibes. There is a sense of tranquillity that surrounds this place. The riverbeds, ashrams, and valleys provide breath-taking sights and perfect locations to practise yoga and meditation. You can also attend the morning and evening aarti by the riverbank. This life-enriching experience immerses you in a deep sense of positivity.

2. Orchha, Madhya Pradesh
Once the capital of the Bundel state, Orchha is an underrated wellness destination in India. It has a collection of royal and eloquent monuments. The Orchha Fort is the main attraction, allowing you to relax and unwind. Spend the evening strolling by the side of Betwa river and behold the amazing sunset. If you are an adventure seeker, don't miss the river rafting or board the jungle safari for an exciting wilderness expedition.

3. Kovalam, Kerala
Famous for its Ayurvedic treatment, Kovalam is worth visiting in Kerala. There is a rich spice and team plantation that makes Kovalam a paradise. Surrounded by green vegetation, backwaters, and sea, it is a perfect setting for a never-like-before healing experience. Rejuvenation seems a sublime luxury here. You can do yoga or meditate and try stress and weight reduction treatments at some world-renowned Ayurvedic centres.

4. Darjeeling, West Bengal
Known as the "Queen of the Hills," Darjeeling should be on your wellness retreat's wishlist. The greenery of this place will give you the much-needed comfort. With hills all around and rustic villages, Darjeeling is a perfect place to discover happiness. The tea plantations and the scenic view of the Himalayas are to die for!

At least once a year, you need a definite break from your monotonous life to immerse in moments of joy. You can visit these picturesque destinations to experience the much-needed comfort and warmth you crave. While planning a relaxing break from the tiring city life, buy the best personal accident insurance India to protect you financially against mishaps.

Click HERE to buy the best personal accident insurance India.

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

Alternative forms of medicine have been gaining popularity in recent years due to their holistic approach toward healthcare. India's traditional and complementary medical systems are Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy (AYUSH). These systems have been practised for centuries and aim to provide natural remedies for ailments, emphasising the use of herbs, natural products, and traditional practices.

AYUSH treatments are not only affordable but also have fewer to no side effects as compared to conventional medicines. These treatments focus on an individual's overall well-being and help prevent illness recurrence in the long run. Does your health insurance cover AYUSH treatments? Let's discuss this in detail in this blog.

The following are some aspects of AYUSH treatments:

1. Ayurveda
Ayurveda combines herbal medicines, dietary changes, and lifestyle modifications to treat various ailments. It helps maintain a balance between the mind, body, and spirit. It emphasises that the root cause of most diseases is an imbalance in the body, which can be corrected through natural remedies.

2. Yoga
Yoga is an ancient practice. It is a very active way to channelise your energy and combines physical postures, breathing exercises, and meditation to promote overall health and wellness. It helps in relieving stress, anxiety, and depression. It also helps in improving flexibility, strength, and balance. You'll strengthen your core with the right yoga practises.

3. Naturopathy
Naturopathy is a medicine system that believes in the body's natural ability to heal itself. It uses natural remedies such as herbs, diet, and lifestyle modifications to promote wellness. Naturopathy aims to identify the root cause of an illness and treat it rather than just fixing the symptoms.

4. Unani
Unani medicine is a medicine system that finds its roots in ancient Greece and later developed in Persia and India. It focuses on the balance of bodily fluids. To treat illnesses, Unani medicine uses natural remedies such as herbs, diet, and lifestyle modifications.

5. Siddha
Siddha medicine is a system that originated in South India. It functions on principle: the human body comprises five core elements - earth, water, fire, air, and ether. Siddha medicine uses natural remedies to combat health problems and boost the body's immunity.

6. Homoeopathy
Homoeopathy is a branch of medicine that believes in "like cures like." It uses natural remedies, primarily diluted in water, to stimulate the body's natural healing process. Homoeopathy intends to provide treatment for the fundamental reason of an illness rather than just the symptoms.

It's essential to have the best health insurance in India that covers AYUSH treatments for several reasons:

1. AYUSH treatments are often more affordable than conventional treatments, making them a viable option.
2. AYUSH treatments are based on natural remedies and have little to no side effects.
3. AYUSH treatments focus on the overall well-being of an individual, which means that they can prevent the recurrence of illnesses in the long run.

When searching for the best health insurance in India, consider the ones that provide coverage for AYUSH treatments to reap its benefits. It's important to note that AYUSH treatments should not replace traditional medicine and its conventional ways but as complementary treatment options. Always consult a qualified healthcare professional before undergoing any AYUSH treatment.

Also, coverage for AYUSH treatments may vary depending on the policy and the insurance provider. Some policies may only offer coverage for specific treatments, while others may have a limit on the amount of coverage available. It is, therefore, important to carefully review the policy terms and conditions to understand what is covered and what is not. Choose the best health insurance in India which serves your needs and avoids venting your pockets during an emergency.

Click HERE to learn more about the benefits of purchasing the best health insurance in India.

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

One of the most significant decisions an individual makes while buying a car is the kind of gear transmission. This confusion between opting for an automatic or manual transmission is valid, as both have their list of advantages. But did you know this decision also predominantly affects the premium you pay for your motor insurance? Car insurance is an important factor when deciding on a vehicle. Here is some crucial information about car insurance before considering the type of transmission to buy.

Automatic transmission v/s Manual transmission
First and foremost, knowing the difference between automatic and manual cars is essential. Manual cars require more driver input than automatic cars. Manual cars have five to six gears and one reverse gear, which the driver must manually operate with a gear stick and clutch. This is to enable the car to move forward or backward.

Under normal driving conditions, a car with automatic transmission requires little to no driver input to change its gears equipped with the ever-evolving ECU (Electronic Control Unit). It is a smooth and enjoyable experience.

Some people prefer manual cars as they are more fuel-effective and cheaper, giving the driver a budget-friendly output. But these days, with the growing traffic and difficulty in driving, many individuals have started preferring automatic transmission cars.

Another factor to consider when weighing the pros and cons of the matter is that the insurance premium of an automatic car is slightly higher than a manual car premium. However, car premiums are affected by several other factors as well.

1. Complexity in structure
While manual transmission requires changing the gears by operating the gear stick, the automatic transmission uses an ECU. The ECU changes the gears intelligently using fluid pressure. This greatly simplifies the process of driving but complicates the gearbox. Since the repair and replacement cost of the transmission components is relatively high, the car premium is also higher. Therefore, the complexity of the gearbox is one of many factors affecting car premiums.

2. Location
People in metropolitan cities generally prefer automatic cars over manual cars, but manual transmission cars are a top choice in smaller towns.

Also, there were more cases of theft and accidents in larger cities. This affects car insurance premiums, as an automatic car would require more premium in a bigger city than in a smaller city, owing to the high risk of accidents and theft.

3. Cost of the car
The price of the vehicle and its components directly affects the insurance premium. As automatic cars are more costly in the market than manual car transmission options, it is reflected in the premium for your car insurance.

4. Factoring the model, age, and brand

The car's manufacturer, model, and features also count when deciding on the premium. Luxury cars' premiums will undoubtedly cost more than regular cars. Also, you may spot a difference in the car premium based on the multiple automatic variants of the cars. You need to acquaint yourself with the right knowledge while purchasing car insurance.

Once the decision of the type of gearbox is finalised, you can quickly proceed to plan your car insurance. One way to look at all options is to look at comprehensive car insurance online. Browse through various sites, compare policies, and find multiple offers. Purchase car insurance that fits your requirements and budget. Don't make any decisions in a hurry. Do proper research and then invest in the best.

Click HERE to know more about car insurance.

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