GENERAL INSURANCE BLOG

Biking is a well-liked form of exercise and transportation, but it may also be dangerous when floods occur. One of the natural calamities that occur most frequently worldwide is flooding. As a result, the nation suffers severe socio-economic losses. Floodwaters can cause highway disasters, create dangerous situations, and increase the risk of electrocution. You can, however, ride your bike safely during floods if you take the proper safety measures.

Even though caution can significantly lower the chance of accidents and injuries when biking through floods, unexpected events can still occur. Bike insurance offers financial security and peace of mind in such circumstances. Here's a detailed guide to biking safely during floods.

1. Plan your route
It's essential to consider regions prone to flooding, such as low-lying areas, riverbanks, and bridges, while planning your motorcycling route during a flood. Always stay on high ground and avoid these regions. Plan a path that stays clear of the flooded areas using online maps.

2. Use lights
Motorcycle lights make you more visible to other drivers when it's dark or low light. Ensure that your bike has lights and reflectors. It would help if you also considered bringing a tiny torch or headlamp in an emergency.

3. Stay informed
It's essential to be aware of local conditions before riding a bike during a flood. If there are flood warnings or advisories, keep an eye on local weather forecasts and news updates to stay informed. Avoid riding in regions with flood warnings or advisories and take a different route.

4. Wear appropriate gear

You must wear appropriate clothing to protect yourself from the rain and water when riding through a flood. Put on a waterproof jacket and a pair of trousers to keep dry. Ensure that your shoes are water-resistant as well. Wearing reflective clothing or gear can improve your visibility to other drivers.

5. Slow down
Riding in flooded regions requires extra caution and slowing down. Floodwaters may be deeper than they appear and may cover trash or other obstructions. To avoid any unforeseen dangers, slow down.

6. Watch out for dangers
Be cautious when riding through floodwaters to avoid obstacles like downed trees, electricity lines, and perhaps washed-in debris. Avoid these risks whenever possible. If you encounter a downed power line, maintain a distance of at least 10 feet and contact your local power company immediately.

7. Follow the guidance of authorities
It's essential to follow the advice of emergency officials and local authorities during a flood. Road closures and evacuation orders may be included in this. Consult with local authorities first if you are unsure whether riding in a particular location is safe.

8. Stay on marked bike paths
Stick to marked riding paths or roads that are open and safe for commuting. Avoid any areas that are closed off or that the authorities have blocked. When a road is closed, or a diversion is indicated, follow the instructions on the sign.

9. Avoid fast-moving water
Avoid riding your bike across the moving water since it might easily knock you off and take you with it. If you must ride your bike through the water to cross a flooded area, walk your bike instead. Remember that riding a motorcycle through even a few inches of water can be fatal.

Additional safety measures and close attention to detail are needed when biking during a flood. You can safeguard your safety when biking through floods by carefully planning your route and following official guidance. Remember, it's always better to avoid biking in dangerous conditions whenever possible. Bike insurance can offer significant financial protection in unforeseen circumstances like floods or other conditions. Review your policy carefully and take the appropriate safety measures to safeguard you and your bike.

Click HERE to invest in the bike 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.

Floods are natural disasters that can happen unexpectedly, causing damage to property and putting lives in danger. Even while you can't always stop a flood from occurring, there are precautions you can take to safeguard yourself and your property from damage.

Personal accident insurance India does offer protection in an accident that leaves someone injured or dead. But buying a separate flood insurance policy to protect yourself and your property from flood damage will be ideal. Typically, this policy will cover flooding-related harm to your house, assets, and other property.

Let's look at a few guidelines to protect your loved ones and assets against flooding:

1. Know your risk
The first step in preventing floods from harming you and your belongings is to become aware of your area's flood risk. The likelihood of flooding varies from place to place depending on geography, elevation, and proximity to water sources. Consult the Flood Map Service Centre to determine your flood risk. You can contact your local government or emergency management office to learn about flood dangers.

2. Buy flood insurance
Getting flood insurance is one of the most crucial things you can take to safeguard your home against flood damage. You'll need a particular flood insurance policy to protect your property since standard homeowner's insurance sometimes doesn't cover flood damage. The National Flood Insurance Programme (NFIP) and private insurers offer flood insurance. It's important to carefully read your policy to understand what it covers and how much insurance you have.

3. Elevate your property
Consider elevating your home if you live in a flood-prone location to reduce the chance of heavy damage. Raising your house or property above flood level is called promoting it. It can be accomplished in many ways, including constructing a raised foundation or adding stilts or piers. You can reduce the cost of your flood insurance by elevating your home.

4. Safeguard important documents
Important papers, including insurance policies, forms of identification, etc., should be kept in a secure location in case of a flood. Store these documents in a position that won't likely be affected by flooding. Store them in a waterproof container, like a safe or waterproof bag. You can also make digital copies of your key documents and store them safely online or on a portable hard drive.

5. Install flood-barriers
By keeping water from entering your home, flood barriers can help safeguard your property against flood damage. Sandbags are typical flood barriers to build a wall against flood waters around your home. Another form of flood barrier that is quick and simple to install is a water-filled barrier. Levees or other permanent flood barriers can also be implemented, offering long-term protection against flood damage.

6. Stay informed
You can prepare for a flood and reduce the risk of damage by staying updated about flood alerts and advisories. You can sign up for alerts from emergency management agencies and follow local weather reports online. Follow local officials' advice and vacate the place if a flood warning is issued for your area.

7. Have an emergency plan
You and your family can stay safe in the case of a flood if you have an emergency plan in place. Your emergency plan should contain escape routes, emergency contacts, and a list of things you must take while leaving. To ensure everyone is prepared, practise your emergency plan with your family.

Protecting you and your property against flooding is essential to reduce damage and safeguard your well-being. By looking at flood maps and learning about the local flood history, you can estimate the risk of flooding. Additionally, an emergency plan should be created that details evacuation routes, contact options, and emergency supplies. In addition to personal accident insurance India, buy a separate flood insurance policy to protect assets from the flood.

Click HERE to buy a reliable personal accident insurance India policy.

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

As natural catastrophes become more frequent and severe, safeguards are critical to keeping our vehicles safe. As car owners, we put a lot of time and money into buying and maintaining our automobiles. Therefore, we must protect them against disasters like earthquakes. Not only earthquake damages are expensive to fix, but they can also jeopardise your and your family's safety. In this article, we will go through a complete guide to ensure the safety of your car during an earthquake. We will review detailed points to protect your vehicle and yourself from potential earthquake damage.

In addition, we will discuss the significance of online car insurance and how it can assist in protecting you financially in the event of earthquake damage. Following these tips may make your car as safe as possible during an earthquake and be better prepared for future natural disasters. Let's get started.

1. Select a secure parking spot
Choosing a safe parking area is critical to ensuring your car's safety during an earthquake. Avoid parking in places prone to landslides or with many trees that could fall on your vehicle. Look for parking spaces in open areas away from buildings and trees, such as parking lots. Additionally, attempt to position your car facing outwards so you may quickly evacuate in an emergency.

2. Safeguard your vehicle
When an earthquake strikes, your car may shake severely, and anything inside may become lethal projectiles. As a result, it's always advisable to keep your car's contents intact and unloose. Protect any unsecured goods inside your vehicle, such as computers, luggage, and other items. Additionally, ensure that your car is in good shape and that all parts, including wheels and tyres, are securely fastened.

3. Keep valuable documents safe
Maintaining your car insurance documents, registration papers, and other important documents is required in a secure location. Always keep them in a waterproof and fireproof container in your car or a safe place at home. Keep a digital copy of your documents on your phone or other digital devices.

4. Check your online car insurance protection
Earthquakes can cause severe damage to your vehicle, so ensure your car insurance is updated. Verify your online car insurance policy covers earthquake damage. Also, be sure you understand what your insurance policy covers and what it does not.

5. Prepare an emergency kit
During an earthquake, having an emergency pack in your car is critical. A first-aid kit, a torch, a blanket, a map, and a portable charger should all be included in the kit. You can also have some non-perishable food and drink.

6. Stay in your car
During an earthquake, remain inside your vehicle and fasten your seatbelt until the shaking stops. If you're driving, pull over to a safe location, turn off the engine, and remain inside your vehicle until the shaking stops.

7. Be cautious after the earthquake
Drive with caution after the earthquake. Examine your vehicle for any apparent damage, such as dents, scrapes, or shattered windows. If you fear that your car has suffered substantial damage, wait to drive it until a specialist has inspected it.

8. Prepare for future earthquakes
Earthquakes can occur anytime, and preparing for future quakes is critical. Keep your car in good shape and regularly serviced to guarantee its functioning. Consider adding safety measures, such as a GPS tracker, an alarm system, or a dashcam, to protect your vehicle in the event of damage.

In conclusion, securing the safety of your vehicle during an earthquake is critical. The above safety tips can help safeguard your car from harm during an earthquake. Protect yourself and your family by adequately preparing and caring for your vehicle during an earthquake. You can explore all the insurance options available from the convenience of your home and purchase online car insurance that caters to your needs in the best ways possible. Remember that safety comes first, and taking precautions now might save you a lot of trouble later.

Click HERE to learn more about purchasing online car insurance and its benefits.

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 frequency and intensity of earthquakes have grown in recent years, inflicting property damage, including car damage. Car owners are required by law to carry car insurance, and as a result, insurance policies are expanding to cover earthquake damage. The future of automobile insurance coverage for earthquakes in India is a critical issue that impacts both car owners and insurance providers.

In this space, we will look at the various types of coverage available, the role of technology, and how car owners may guarantee their vehicles the best coverage in the case of an earthquake. Let's begin!

1. Increase in natural disasters
Natural disasters such as earthquakes have become more common in India. Since India has been witnessing more earthquakes with magnitudes greater than 3.0 recently, car owners must have insurance coverage to safeguard their valuable assets against the adversities of an earthquake.

2. Comprehensive car insurance
Comprehensive car insurance protects your car against natural disasters such as earthquakes. It differs from a third-party liability policy, which solely covers damages to a third party in the event of an accident. Car owners should think about getting comprehensive car insurance that covers earthquake damage.

3. Earthquake coverage add-ons
Aside from comprehensive insurance, vehicle insurance companies often provide add-ons to cover specific natural disasters such as earthquakes. The optional features include engine protection, roadside assistance, and 0% depreciation. Car owners should consider obtaining these add-ons to supplement their coverage.

4. Usage-based car insurance
In India, usage-based automobile insurance coverage is becoming more common. These policies base premiums on vehicle usage, and the car owners who drive their vehicles less frequently pay a lower rate. In the future, usage-based automobile insurance policies can be tailored to provide earthquake coverage based on the vehicle's geographical location.

5. Telematics
Telematics uses technology to monitor a vehicle's performance and usage. In the future, automobile insurance companies may utilise telematics to track the car's location and provide coverage for earthquake damage based on the vehicle's location.

6. Artificial Intelligence (AI)
Artificial intelligence can be used to analyse data and generate customised insurance plans. In the coming years, AI might analyse earthquake-prone locations and offer customised vehicle insurance coverage to protect against earthquake damage.

7. Self-driving cars
As self-driving cars become more prevalent in India, it is crucial to remember that just like regular cars, they are exposed to theft, loss, or damage through natural calamities such as earthquakes, storms, or human-made issues like riots. As a result, the growing demand for customised insurance coverage that covers unique circumstances for self-driving automobiles. The insurance coverage premiums, as mentioned earlier, would be based on the criteria such as the car’s location, distance from the epicentre, and the time of the earthquake.

8. Internet of Things (IoT)
The Internet of Things (IoT) uses linked devices to collect and analyse data. IoT can be used to monitor cars and identify earthquakes in real-time. The information can be used to create tailored insurance policies that cover earthquake damage. Car insurance firms, for example, can use IoT to detect when a car is parked in an earthquake-prone location and provide coverage for probable damage.

Car insurance policies are evolving to cover natural calamities such as earthquakes. Car owners can buy car insurance policy online that cover specific natural disasters such as earthquakes. Car insurance coverage will be personalised based on telematics, artificial intelligence, and self-driving cars. Owners should explore all the options and buy a car insurance policy online from trustworthy firms to get the best insurance coverage and a policy that caters to all their needs.

Click HERE to learn more about how you can buy car insurance policy online.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Click HERE to buy car insurance online.

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

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

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

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

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

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

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

● Exterior damage of the property costs

● Interior damage of the property expenses

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

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

● Cover losses to the vehicle involved in a collision

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

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

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

Click HERE to buy general insurance online.

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

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

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

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

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

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

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

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

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

Click HERE to buy two wheeler insurance online.

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

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

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

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

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

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

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

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

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

● Avoid sugary drinks, which can actually dehydrate you

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

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

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

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

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

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

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

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

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

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

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

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

Click HERE to buy robust health insurance in India.

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