GENERAL INSURANCE BLOG

Purchasing a bike is not an easy task. It would be best if you had a lot of time to do the market survey, finalise your budget, see which models fit your budget, explore and compare the features you require, gather the funds, seek information about the loan, and choose the best option and then begin the process.

All these things require considerable time, money, and effort. And with insurance, the information seems never-ending. Also, you need to ensure that you know sufficient knowledge to help determine which insurance policy would suit your needs.

We will shed some light on the know-how of bike insurance policies catering to your needs and help you gain better insights on how you can get one. So, let's get started.

1. Why do you need a two-wheeler insurance policy?
Accidents come without warning, so you must purchase insurance that protects you and your bike from unfortunate situations. A Ministry of Road Transport and Highways report revealed that over 158,964 road accidents of two-wheelers were reported in India in 2020, causing over 56,000 deaths. This alarming figure demands the need to buy a robust bike insurance policy to protect you and your bike from such potential threats and uninvited damages.
You must have a valid driving licence and original insurance documents to ride legally on Indian roads as per the Motor Vehicles Act 1988. It is advisable to compare 2 wheeler insurance online and explore different options before concluding a policy.

2. Have you asked your insurer to customise your two-wheeler insurance?
Were you aware of this fact? If not, then now you do! We know that the insurance sector has started inculcating options for personalising their policies to help the customers get the best out of their insurance. There are several options of add-ons available to choose from, making your insurance plan more customisable.

3. Do you know that a basic insurance policy does not cover the engine?
You will be surprised to discover that your bike's engine is exempted from insurance benefits. Fret not! You can still protect the engine by buying the "bike engine protect" add-on to your existing insurance.

4. Your insurance policy can also provide you a legal protection.
A good insurance plan also covers you under natural calamities, accidents, theft, and vandalism. These insurance plans have several options for add-on coverage and other choices, which allow the companies to personalise their insurance benefits according to their audience type. This also includes covering damages to third-party and avoiding the risks of legal actions or hefty penalties.

5. Did you compare your 2 wheeler insurance online?
Make the best use of technology and compare different two-wheeler insurance plans online with just a few clicks. But, carefully read all the terms and conditions before proceeding to payment. Understand the benefits thoroughly to calculate the return on your investment.

6. Have you picked a reputed insurer?
There are several advantages to purchasing the insurance policy from a reputed firm. Looking for a trusted insurance provider should be your first step. You can decide this by analysing the company's claim settlement ratio and its customer base.

7. Don't forget to read online reviews.
Reviews are the best way to get an overview of the company, its process, and customer relationship. These can help you make an informed decision and learn more about the company's services.

These were a few know-how of bike insurance to choose the right two-wheeler insurance policy. Life is chaos, and everything else is arbitrary. But, it would be best if you had something to fall back on if you find yourself in a difficult situation. Insurance keeps you stress-free financially and helps you fix the problem and get your vehicle repaired in case of severe damage.

Now, finding the best deals for buying insurance is easy with digital platforms of insurance providers. With a digital device and stable internet, the entire insurance buying process can be done in just a few clicks. By purchasing 2 Wheeler Insurance Online , you considerably save time and money and are, in return, promised seamless services. Everything can be done hassle-free and without the involvement of any intermediaries, from making claims to paying premiums.

Click HERE to buy 2 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.

Crime rates are increasing every passing day, and it has become necessary for everyone to consider personal safety at all times. Be it going to the school, office, movie halls, or public transport, people are being told to be cautious concerning themselves and their belongings.

One lesser talked about safety concern is safety during driving. There have been various instances of robbery, mugging, and break-ins, and it is best to learn how to be safe during these times.

This article will look at all the things you need to take care of while driving and how you can prevent attacks and crimes against you while going.

1. Check where you park:
Parking a car in a country like India can be highly challenging. With people flogging the streets at all times, there are barely any parking spots left. Under these circumstances, do not park your car in unsecured places. Always lock your steering completely because thieves find it challenging to manoeuvre, and more often than not, they will not try stealing a steering-locked car.
However, if you have parked your car in a parking spot away from the public eye or in an underground garage, look below the car. Attackers and thieves generally hide under the vehicle and wait for the perfect time to launch an attack. Remember to keep a safe distance from your vehicle before checking under the car.

2. Lock your car:
Remember to lock your car even if you are stepping out for a minute. Thieves are always on the lookout for situations like these. Lock your doors properly even when you are stepping out to make a quick payment at the petrol pump. If you use a central locking system, then it is best to check the locks after locking your car.
Thieves use jammers to interrupt the signal emitted from the remote key, enabling easy access to them. Try the door handle before leaving the parking premise. Another important thing to remember is to keep the windows entirely closed. Even slightly opened windows allow easy access to the car's interiors.

3. Do not open the cars to strangers:
Have you ever come across a passer-by curious to know the direction? In most cases, they are genuine people looking for a way to reach their destinations. But there have been instances of snatching and robbery in situations like these.
Never keep the windows open on heavily congested roads, and never open your car doors or windows for roadside vendors. If you intend to leave your car, never leave your belongings inside the car. If you want to leave things behind, put them in the boot space or under the seat to avoid a clear visual range of your belongings.

4. Added layers of security:
Technology has advanced so much in the past few years that there are readily available security devices in the market to ensure better safety of yourself and your car. Equipment like the steering wheel, gear locks, tracking devices, and cameras are some of the more common technical gadgets that will keep thieves away from your vehicle.
Some modern cars provide an internet connection feature that helps you keep connected with your car through mobile apps where you can turn on and turn off your ignition, be notified if the car is opened, and get updates about the door locks with the tip of your finger.

These are a few ways to ensure your safety during driving. However, if you live in an area susceptible to theft and vandalism, getting an appropriate add-on from your MOTOR INSURANCE COMPANY IN INDIA is a good idea. Under this cover, your motor insurance company will cover the cost of theft of your car and sometimes your belongings. Be responsible and invest in a safer ride by purchasing reliable motor insurance today.

Click HERE to learn more about the motor insurance company 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.

The COVID-19 pandemic has been a tumultuous time for the globe, and it is no surprise that we were not ready to deal with a pandemic of this scale. It has been a trying time for everyone involved, including doctors, nurses, frontline workers, and the general public.

The global economy has taken a massive hit in the past two years of the pandemic. Businesses all around the globe are trying to figure out a way to stay afloat in these trying times, and many of them have turned to insurance companies seeking clarification for the clause called "Act of God."

While this term may seem facetious at first, an act of God used to be an actual insurance term. Although it's not commonly used in policies, an act of God is used as a term to describe natural calamities outside human control. This can range from floods, cyclones, earthquakes, typhoons, tornadoes, storms, etc. An Act of God can also be described as an event that cannot be prevented by reasonable care.

As you may have already deduced, this term is vague and does not provide clear antecedents of what businesses can claim. Insurance providers mention the disasters covered or excluded to avoid this confusion. However, being faced with this horrific pandemic that has closed down businesses and decreased revenue drastically, companies and small traders are looking for an insurance policy that will cover the revenue lost because of the pandemic.

What policies cover diseases like COVID-19?
With business owners getting desperate to stay afloat, here are the policies that generally cover or exclude disasters like the current situation:
1. General liability insurance: This policy might help with lawsuits about exposing employees, customers, or clients to the virus.
2. Worker's compensation pay: This may cover the workers' medical costs for an infectious disease such as coronavirus.

Should you be concerned about lawsuits related to COVID-19?
It's improbable for a business to be sued over a global pandemic. However, it can be sued against the negligence of its employees in following COVID guidelines or for professional negligence regarding project delays or cancellations. In this time of financial insecurity, this can be a massive liability to the company. The best way to protect your business against these scenarios is by including these in your contract with the client.

Force Majeure to the rescue.
Force Majeure clauses, like acts of God, is a relatively vague term in insurance. It relieves your business from contractual obligations under natural calamities, pandemics, or other uncontrollable events. Another significant advantage of this clause is that it clears your business from responsibility to fulfill contractual obligations in the case of armed unrest, conflicts, etc.
It can provide optimum protection in case meeting deadlines is impossible. However, suppose the client has a high-stakes project with your company, there is a high possibility that they'll ask for a narrower definition of Force Majeure that may exclude certain disasters.

There is a lot of philosophical discourse about whether COVID was an act of God, and the debate can go on for decades, but the truth is, there are a lot of businesses unable to cope with this deadly pandemic. Stores have shut down, and people's dream businesses have been halted. This has been a trying time for everyone, and some insurance policies might help. Research Public Liability Insurance In India to get optimum protection for your business and safeguard it against unexpected financial losses.

Click HERE to know more about public liability 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.

Childbirth is beautiful. Pregnancy requires a lot of commitment, physical and mental strength, and external support from your partner, family, and friends to be able to give birth once the cycle ends. Things do not end once your baby is out of the womb and into this world. That's when the real work begins.

Are you someone who is currently going through the pregnancy phase? Or someone taking care of a pregnant friend, relative or family member? Well, whatever your reasons are, this blog will answer your queries about the dangerous activities you need to steer clear of during childbirth. So, given below is a list of pregnancy injuries you must be very careful about.

1. Say no to lifting:
During pregnancy, you should strictly prohibit yourself from lifting any heavy items, including large, heavy boxes, weights in the gym, etc. If you want to keep your body fit and still hit the gym or get a quick workout, consult your doctor before starting anything.
Do not run the trial-and-error methods and put your body through unnecessary physical stress and exhaustion. You might risk many things, have to bear the side effects, and face adverse results during delivery.

2. Avoid standing for more extended hours:
Standing for long hours is similar to the case with lifting, as discussed in the previous point. You exert your body and put it through a lot of physical stress when you stand for longer. Your body is already carrying your weight and the weight of your child. Your legs need rest.
Your locomotive system needs to catch a break to be strong enough to support your entire body if there is some emergency. Prolonged standing also risks premature birth (babies born before nine months or their estimated date) and increases the chances of miscarriages.

3. Understand the changes in your body:
Once the "late pregnancy" period begins, you will notice several visible changes in your body. Your body goes through several internal and hormonal changes. Therefore, your weight increases as the baby develops, and different body parts get bigger to ensure that they can serve the baby's needs when it arrives. All this weight gain thus eventually causes imbalance even when you do the simplest of activities. But exhausting your body by doing your regular heavy physical activities can put your child at risk. The imbalance might make you more prone to accidents that happen due to falling or increase the chances of musculoskeletal injuries.

4. What about your menstrual health:
Heavy physical activities, lifting massive items, and standing for extended hours also threaten your menstrual health and put your body under stress. And as for pregnant people, their hormones during the process can affect the strength of the ligaments and spinal joints. Excessive physical strain can delay the process of your body preparing itself for childbirth or might adversely affect the baby's health.

These were some pregnancy related injuries you must be very careful about. As it is said that accidents never come with a warning, and the period of pregnancy is one such critical time when you need to be the most careful you can ever be. But there might be times when you or your loved one find themselves part of an unpredictable incident that can potentially endanger your health or life.

And even if not, it is always wise to have a certain financial backup for the future so that you can focus on sorting the situation and finding a solution instead of worrying about the funds. Therefore, a smart option is to purchase the Best Personal Accident Policy In India , providing comprehensive coverage for your family and your baby.

Click HERE to know more about the benefits of buying the best personal accident 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.

All businesses people are constantly conscious about managing finance and cash flow. With this unpredictability surrounding your business, it is stressful to consider other factors that may drain significant money. For instance, if a customer gets hurt within your company premises, let us say rolls their ankle because your floor is slippery, you might be liable to pay their medical expenses or the expenses of a lawyer or an investigating officer.

As you might know, these expenses quickly cut a hole in your pocket and might leave your business bankrupt. Opting for public liability insurance is best to avoid these unforeseen problems.

It offers optimum protection to a business, a contractor, an event, or even a person from any legal charges that they might be liable for in case of injury, bodily harm, loss or damage to property, or even death of a third party resulting from their negligence.

This blog aims to give you an insight into public liability insurance and its types to decide on a suitable choice for your business.

Does your business require public liability insurance?

Businesses that constantly interact with customers and the general public are in great need of this type of insurance. Industrial as well as non-industrial organisations require this. It is especially recommended to doctors, hospitals, and IT-intensive businesses as they are constantly handling their customer's assets.

Moreover, even if you're an online business and use third-party sites or companies to deliver your products, you must invest in public liability insurance to avoid legal fees ensuing from any mishaps that might occur during the delivery of your products.

What does public liability insurance cover?

Public liability insurance covers any expense incurred by your business when a third party is harmed in any way in connection to your business. This includes-

1. Legal fees, settlements, and investigations: If your business is facing a lawsuit due to harm to a third party, this policy will cover the expenses of the attorney and the investigating officer and any settlements, if necessary.
2. Medical expenses: If the third party faces any bodily harm inside your premises or any negligence on your or your employee's behalf, this policy will cover the medical expenses incurred.
3. Personal injury: This policy also covers any legal expenses against slander, wrongful entry, and other offences.
4. Property damages: A third party might sue you for property damage. This is also covered under public liability insurance.

Public liability insurance is more limited than other insurance policies, promising more affordability but less coverage and payouts. It also does not cover professional errors, your business property damage, or any damage out of a war-like situation.

Types of public liability insurance:
1. Public liability for manufacturing units such as warehouses and godowns.
2. There is public liability coverage, especially for non-manufacturing units such as hospitals, doctors, banks, or other BPOs which are in direct contact with the general public.
3. Businesses that deal with hazardous substances are also covered under the Public Liability Insurance Act of 1991 to provide immediate relief to those harmed by accidents related to these hazardous substances.

This insurance can be extended to cover legal expenses arising out of other eventualities, including:
1. Natural calamities
2. Transportation of treated effluents
3. Sudden and accidental pollution

Unexpected financial losses are the biggest concerns for any business owner. There is a constant fear of an unforeseen accident happening to the third party and their financial impacts. This policy reduces a lot of the stress on business owners. Do proper research of public liability insurance prices to understand the rate and payouts insurance policies can provide you.

Click HERE to know more about public liability insurance prices.

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.

Monkeypox is a health concern registered under the World Health Organization (WHO) radar. And the scale of its transmission and the number of countries that have active Monkeypox cases has led the WHO to declare it as a Public Health Emergency of International Concern (PHEIC). The infections have now spread over to more than forty countries across the globe, and sadly, India is on the list.

While there are different opinions of doctors, scientists, and medical researchers around the world as to whether or not, Monkeypox would take the shape of another pandemic like the Covid-19 virus. It would be foolish of us not to take the infections seriously and be educated about them to ensure that we can stay safe and take all the proper measures if one gets affected.

This blog will help you seek answers to all your queries and shed some light on other related information.

1. What is Monkeypox?
Despite the name having the term “monkey” in it, monkeys are not the original hosts of the Monkeypox virus. The actual hosts are considered to be the species of African rodents such as African squirrels, dormice, etc. Scientists have found that the virus is an enveloped, double-stranded DNA virus with around 190 kb of genome size. Monkeypox virus and smallpox virus belong to the same family.
Besides the outbreak in 2022, Monkeypox cases have been discovered in various Central and western African regions and countries. The first human case of Monkeypox infection was found in the year 1970. This disease is usually spread through imported animals or with people who have a history of international travel and came in contact with such animals who are the primary carriers of this virus.

2. What are the symptoms?
Well, the symptoms of an infected person would include muscle and back aches, fever, severe headache, exhaustion, chills, swollen lymph nodes, rashes which might look like ordinary blisters or pimples appearing inside the mouth, on the face, on the legs, hands, feet, genitals and other parts of your body. Monkeypox symptoms are pretty similar to the symptoms of smallpox, but they are milder in comparison.

3. What about its transmissibility?
Monkeypox can spread among people in different ways, which include being in direct contact with scratches, bites, infectious scabs, or using or even coming in touch with the used properties of infected people like bed sheets, clothes, etc. A pregnant person can infect their fetus through the placenta. Other forms of transmissibility include contact with infected animals or their rashes or consuming meat products of the said infected animals.

4. What preventive measures should you take?
You must avoid physical contact with infected people or any rashes that might look like Monkeypox. Ensure you don’t come in contact with their rashes or scabs and do not share their items of use. Wash your hands frequently and use alcohol-based sanitisers, which are medically approved. Ask the infected person to isolate and separate their items and stay away from the pets.

5. Is this disease curable?
Yes, in most cases, the infected person has noticed that the infection lasts for up to 3 to 4 weeks. Monkeypox is curable, and mainly the symptoms subside on their own after a few weeks. Patients can get treatment with antivirals to avoid the risks of viral infections.

6. Is this disease fatal?
There are no such cases of fatality reported due to Monkeypox. This infection is not fatal and is milder than smallpox.

These were some important points about understanding Monkeypox and how you can protect yourself. Times are stressful, and viruses keep popping up now and then. Health emergencies never give a warning, so we must stay prepared. And one of the ways to accomplish that is to get health insurance so that in times of need, you can focus on the recovery of the patient without the slightest worry about the finances. Explore all the available options and purchase insurance from the best Health Insurance Company In India , which will suit your requirements.

Click HERE to learn more about the benefits of the best health insurance company 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.

Long working hours, unhealthy eating habits, and lack of physical exercise can lead to uncontrolled weight gain and obesity. People are always seeking instant solutions in this world of fast food and ready-to-make edibles.

But the thing about weight loss is that the results start showing only after a while. People invest thousands of bucks at the gym, buy the perfect equipment and gear, and dedicate their time and efforts to the gym. Since the results are not quick to come by, they often give up.

In this article, we will take a look at a few ways in which you can ensure a faster weight loss to keep yourself motivated and healthy.

1. Know what is the right diet for you.
The biggest myth when it comes to weight and weight loss is to eat less. Not only is it extremely unhealthy, but it is also impractical. Without the right amount of food, your body cannot produce energy and the nutrients it needs, which often leads to fatigue and other ailments. Your primary focus should be eating a calorie-deficit diet. Calories are the main reason you gain weight, but no calorie intake is almost impossible.
The best way to kill your cravings while also having a healthy diet is to increase the amount of protein. On average, an adult should eat the same amount of protein in grams as their weight in kilograms. Ideally, you should consume at least sixty-five grams of protein if you weigh sixty-five kgs.
A protein-rich diet will ensure you are not losing any muscle weight. It also helps you maintain your body's metabolism, which further aids in faster calorie burn.

2. Develop a disciplined sleep routine.
People significantly undermine the importance of proper sleep. An average adult requires at least eight hours of sleep to function correctly. Ample rest is essential for your body to function optimally.
Lack of sleep can hamper the hormonal activities in your body, which will create sugar cravings or other processed food, leading to overeating. Sleep is vital if you want to restore your muscles after a workout.

3. Drink water.
Water is truly the elixir of life. A person must drink at least three to four litres of water daily. Water helps with boosting the metabolism and suppressing the appetite. What most people think of hunger is actually a thirst, and drinking two glasses of water will keep you satiated. It also helps you remove any toxins from the body, thus helping with the better absorption of nutrients by your body.

4. Eat fibres.
Increasing the fibre content in your food prevents you from overeating as fibre is extremely filling. A person should consume between twenty and thirty grams of fibre daily. It also controls blood sugar levels and cholesterol. Fibres are mainly found in fruits, vegetables, and grains.

5. Involve in more physical activity.
Most of the time, people do not get the time for a dedicated workout. Starting slow is the best way to ease into a healthy lifestyle. Walking to your office or your grocery store is one way of maximising your step count.
Ditch the elevator and choose the stairs to burn the calories on the way. Instead of choosing cafeteria food, pack food from home or choose healthy alternatives such as fruits or oats to keep your hunger at bay and avoid bingeing.

These are a few ways to ensure that your road to weight loss is faster and more efficient. Remember that the end goal is to be fit and healthy and not to lose fat. Mindful eating and exercising are simple yet efficient ways to start your fitness routine. Obesity can lead to severe diseases that are sometimes irreversible. To safeguard yourself against hospital bills and medicines expenses, purchase health insurance Do not forget to renew Health Insurance Online if you already have one. Keep your policy up-to-date to prevent it from lapsing.

Click HERE to renew health insurance online.

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

Everyone wishes to open up their venture someday. Entrepreneurship is taking a tight grip globally and even more so in India. We have hit almost a century in the number of unicorn start-ups, and have been escalating quickly. Apart from the start-up cities like Bengaluru, Mumbai, Delhi, and Hyderabad, there are people from various towns across the country aspiring to do their businesses. Some of them own small businesses, which they can manage on their own or with the help of a small team. There are various aspects of running a small business, and it should not be considered easy to manage and run the show.

But what kind of insurance do small businesses need? Do they need public liability insurance? If yes, then why? How will the insurance benefit them in times of need? Are you looking for these answers and some more information on the subject? This blog will discuss everything about why small businesses need public liability insurance. So, without any further ado, let’s begin.

1. What is the importance of public liability insurance?
Public liability insurance helps you go about your legal business deals and operations without worry. It assures the management of unprecedented circumstances adequately and enables you to deal with the unpredictability of life in a less stressful way.
Public liability insurance also releases you from the stress regarding the payment and compensation of workers and their families in case they get hurt within the company premises or face serious injuries or death at work. All in all, public liability insurance can deal with work-related catastrophes to third parties efficiently.

2. Why do small businesses need liability insurance?
Big or small businesses, everyone must purchase liability insurance. This insurance protects the owners against unfortunate situations where someone is wrongfully accusing them of malpractices or other offences. One can register claims if some worker or employee gets injured in the line of business or there are any settlements to be made, or there are severe damages to the business property.
You can efficiently perform damage control when stuck in potentially harmful circumstances, including damage, injuries, fraud, and copyright infringement, to name a few. But make sure you go through the risks, exceptions, and coverage plans before you claim to stay on top of the situation.

3. What kind of coverage does public liability insurance provide?
You can claim work injuries or business infrastructure damage under the Corporate Insurance Policy. If your business’ name is being wrongfully accused and there is an attempt to tarnish your name through unfair practices, you can claim it as “maligning of reputation.” Any false advertisements, copyright content, or material used against your business can claim it as a commercial error under public liability insurance.
Damage to property claims also includes damage caused to rented property. Damage can be natural, artificial, or hazardous; you can still make a clear claim. You may also claim the treatment costs for injuries caused in the workplace under the insurance.

It would be best if you were mindful of the things that have been excluded from the public liability insurance coverage. They include pollution damage or pollutants emitted from your business operations, eventually causing harm to the environment and the ecosystem of the resources. For any particular loss incurred due to your products, personal liabilities, and intentional damage to properties, ensure you check with your insurance provider about the exclusions and other terms to stay informed.

You must purchase public liability insurance to protect your business, no matter how big or small it is. Your business is your primary income source, and it helps sustain yourself and your family. It is wise to keep your business afloat and purchase the Best Public Liability Insurance India to protect your business against any odd and maligning circumstances that can potentially cause financial destruction. Always be prepared! It takes a lot of sweat and patience to build a business. Don’t let any mishap turn it to dust.

Click HERE to learn more about purchasing the best public liability 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.