GENERAL INSURANCE BLOG

The majority of air passengers are constantly searching for window seats while flying. While some travellers curl up in the corner and have a good snooze, others choose window seats to take in the clouds and the gorgeous views from the little window. Although the justifications vary from passenger to passenger, everyone still enjoys sitting by the window.

Additionally, one may lean the resting head against the sidewall of the aircraft to provide additional support for sleeping. Comfort is undoubtedly greater with a window seat.

Listed below are some tips for securing a window seat when flying.

1. Request at the check-in desk:
When you get your boarding card, check with the check-in counter staff to see if a window seat is available. The airline staff will accommodate you. Alternatively, check-in at a self-service kiosk and verify the flight's seat availability before printing your boarding card. Select a window seat if one is offered.

2. The cancelled tickets are very beneficial:
If you haven't chosen a seat yet, you may check it at the airport on the day of travel. You can find a seat because some passengers cancel their reservations at the last moment, which allows you to grab your ideal window seat.

3. In the absence of a window seat:
Don't be dismayed if all of the window seats are already taken. Most airlines allow customers to keep managing their reservations. If a window seat becomes available at a later time, you have the chance to switch to the window seat.

4. Consult the boarding gate agents:
You must exercise extreme patience to complete the following hack. Arrive at the airport early and contact the gate agent. Inform them that you would prefer a window seat and ask if they could assist you. The crew and gate officials often ignore that passengers have failed to board the plane until it is too late. If any window seats become available, these people can assist you in obtaining them.

5. When you book, pick your seat:
Most airline websites and booking tools allow you to select a seat when you make your reservation. The majority of the time, this procedure is cost-free. However, certain airlines charge more for reserved seats. When the time for your journey draws near, and you still can't find a seat you want, recheck your reservation to see if anything has changed since then. If you're unsatisfied with your online choices, give them another shot at the airport, either at check-in or at the gate.

6. Once boarding is done:
Wait until the plane doors are shut if you still can't get your preferred seat. You can move to a vacant window seat. Nevertheless, before settling into an empty seat, ask a flight attendant.

7. Ask a passenger for assistance:
Asking another passenger to switch seats with you is not harmful. They probably will be okay with it if they plan to nap during the flight. Manifest a strong desire to sit in a window seat. The other individual will accommodate you if they believe this is your first flight.

Before you pay for your ticket, if it was purchased through a travel agency or over the phone, ask for a window seat. Or, obtain your favourite seat by completing the online checkin process. Also, one must have general insurance coverage while travelling, and getting one may be done quickly and easily online by following a few simple steps. Buy insurance policy online and secure your travel and ensure yourself a happy journey.

Click HERE to buy 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.

If you are somebody who has a car, you already know how helpful and convenient it can be. It will help you get anywhere within a short time effectively. Not just that, you should know how to park your car correctly to keep it safe and protected.

However, many people worldwide find it intimidating to park a car correctly. If you are somebody who does not know how to park and always finds it challenging to have proper judgement, look closely here at a few tips to help you park your vehicle perfectly.

1. Find an appropriate space:
The first thing you need to do when parking your car is to look for the best space in the parking lot or area. You should keep in mind that the place you are choosing must be big enough to fit your car so pay attention to that. You may also notice the movement area to ensure you can get in and out of the space without difficulty. This will help you keep your vehicle safe.

2. Check your surroundings:
The second thing you need to do when parking your car is look at the mirrors on both sides to check your surroundings appropriately. Carefully figure out if there is any person or car behind or around your vehicle, regardless of whether you are reversing or parking. Checking allows you to ensure nobody is getting hurt in any way. As a result, it is one of the most vital tips that will help you park without further challenges.

3. Position the vehicle appropriately:
The third thing you may do to park your car efficiently is to position your vehicle accordingly. An ideal angle will make it convenient for you to put your car in the spot in a short period. Not just that, it will ensure your car is safe from scratches and dents.

4. Keep enough space on the side:
The last thing you can do to park your car safely is to keep enough space on both sides. This factor will help you open and close your door without hitting any object or person. It will also make it convenient for you to get in and out of your vehicle without the hassle. It also reduces the chances of accidents by a wide margin.

Although parking may sometimes be challenging, you can do it effortlessly with the help of these tips. You should read them thoroughly to acquire the best guidance into the matter. You may also speak to a driving school if you want to obtain more information or practice before using them on your car.

Parking your car appropriately is crucial, and a skill, especially in crowded places where finding the right spot and making your way to park the car may seem like a mission. Perfect car parking can keep your car protected from accidents, thefts, and getting towed while you are away doing your work or shopping. On a safer side, you may prefer parking your car in the dedicated or private parking lots in the malls or public areas with a pay-and-park system. You should also buy online car insurance for additional protection from untimely and severe mishaps that can cost you a fortune.

Click HERE to buy online 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.

Have you ever attempted to start a cold engine? It will be challenging to start carbureted engines like those found in motorcycles. Choking will play a crucial part in this. A motorcycle choke can act as an excellent tool and a saviour in a situation where you struggle to start your bike by the conventional method.

Let’s understand how choke functions and how you can use it optimally.

What is a motorcycle choke?

The choke is a crucial component of bikes with carburetors. The air-fuel mixture is composed and fed to the engine mechanically or manually in motorcycles with carburetors through the choke.

A motorcycle choke is basically a pulling lever fastened to the carburetor. It can be mounted on the front panel, the handlebar, or both, but it remains connected to the carburetor via a cable. Wherever the lever is positioned, it instantly operates a carburetor valve and the entire choke assembly.

Role of a motorcycle choke.

Pulling the choke lever out to start a cold engine was once considered necessary, especially in the morning. You might not need it as regularly during summer, but in winter, it is occasionally required to lift the lever each time the engine starts. The choke lever increases the fuel ratio in the air-fuel combination immediately.

In a carburetor, the choke lever opens or closes a valve or gate to regulate the air or fuel that goes into the mixture. This aids the engine in gaining enough power to make the bike ready to use.

The choke's failure warning signs.

Several typical indications of a failing choke are listed below:

● Difficult start

● Excessive smoke produced after the engine has started

● The engine stalls after starting

Even though the choke is working, if the engine is difficult to start, there may be a problem. Either the choke is not closing all the way, or the fuel is being cut off. Check if the choke opens and closes effectively because excessive fuel utilisation is another effect of a broken choke.

Excessive fuel use will also result in smoke from the exhaust pipe. The engine's continued operation demonstrates the choke's effectiveness when engaged. The linkage could be incompatible if the choke is not working correctly.

How can choke longevity be guaranteed?

The constant usage of the choke can result in its wear and tear over time. The choke wire may also become ineffective if it is not used frequently.

To ensure longevity, keep the following in mind:
1. Access the area where the cable attaches to the choke plate.

2. Spray the cable and open the choke to get the lubrication into the joint. If done repeatedly, it increases the choke's lifespan.

3. Keep the air filter and carburetor clean to avoid pressure on the engine. You can use spray cleaners to help if you do not feel like removing the carburetor and cleaning it.

The choke requires low maintenance but might deteriorate more quickly if used frequently. Pay attention to how the engine starts and idles because it may indicate a choke issue. Make sure to empty the fuel from the motorcycle before putting it away for the winter to avoid clogging the fuel system.

When the engine is cold, it is more challenging to burn fuel. The choke enables the supply of an ideal air-fuel mixture that results in combustion and aids the bike's engine in drawing power. To avoid unexpected repair expenses to vent your pocket, invest in reliable insurance from the best motor insurance company in India.

Click HERE to buy insurance from the best 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.

A group health insurance plan for employees is a group mediclaim plan purchased by a company for all its employees. The employees get basic coverage against common ailments and treatments. The employers usually deduct a certain sum from the CTC of the employees to pay for the premium of the policy. Also, they may decide to either share the premium burden or pay it fully themselves.

This trend of insuring employees' health and well-being has been followed for a long time. It establishes a bond of trust and responsibility the company takes for its employees. But how exactly is group health insurance beneficial? Here are the perks of buying a group health insurance policy for employees.

1. Cost efficient:
Since such policies are bought to cover many people, insurance companies provide them at a good discount. If the employer buys the same number of health insurance plans individually for his employees, it will cost him much more.

2. Motivation booster:
A group health insurance policy is a symbol of the care and concern of an employer for his employees. The employees feel valued that the employer is taking care of them. This acts as a motivation, and they work in a more dedicated and devoted manner towards the company. Also, such policies act as a retention tool. Employees think twice before changing jobs since they feel attached to the employer and the company.

3. Zero waiting period for pre-existing diseases:
A regular health insurance policy provides coverage for pre-existing diseases after 3- 4 years of buying the policy. However, there is no waiting period for the coverage of certain pre-existing diseases, such as diabetes, hypertension, etc., under a group health insurance plan. Employees get full coverage for any possible medical expenditure from day one.

4. Preferential treatment:
The buyers of group health insurance policies are big customers for the insurance companies. Hence, the insurance companies cannot afford to annoy them and have to deal with them as a priority. The employees get preferential treatment at the time of passing of claims.

5. Maternity coverage:
Regular health insurance plans usually do not provide maternity coverage and assistance. However, a group health insurance plan comes with automatic maternity coverage. The newborn child also gets automatic protection under the policy as a dependent after 90 days of birth.

6. Full family cover:
The group insurance plans provide health insurance benefits for the employee and his family. He can avail of the benefits for up to 5 dependents at no extra cost. Family-floater plans under regular policies charge much higher premiums for providing similar coverage.

7. Premium as a business expense:
An employer who pays the premium for a group health insurance policy for his employees can claim it as a business expense. It is treated as a benefit that he is providing to his employees. He can book the expenses in the profit and loss account like a general business expense and save on taxes.

8. Validity of the policy:
As per the IRDAI, an employee can migrate to an individual health insurance policy from a group health insurance plan while leaving or changing his job. He will have to complete some formalities with the insurance company for the same. Also, this depends upon the insurance company to continue or terminate the policy.

9. No medical checkups:
Another benefit of a group health insurance plan is that it does not require any medical checkups of the employees before buying the policy. The usual health insurance plans require a medical checkup before issuing the policy.

Buying a group health insurance for employees is often a win-win situation for the employer and the employees. There are many benefits and perks of such policies, which we have already gone through above. Moreover, such a policy is compulsory for employers and mandatory by law. Choose the best health insurance company in India that takes care of your most valuable assets- your employees.

Click HERE to buy the best health 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.

As we know, India aspires to be an all-electric nation by 2030. Electric scooters are in trend these days, and there are new rules and regulations for riding electric scooters to support this endeavour.

Vehicles that use fuel, such as petroleum, heavily contribute to carbon emissions, and to control the degradation of the environment, electric vehicles are a boon. The Govt. of India encourages new buyers to buy electric scooters and take their first step towards a green future.

But before you make a purchase, check 2 wheeler insurance online for an e-scooter, the different features of the scooter you want to buy, and see if your requirements are aligned.

Who can ride an electric scooter in India?
Most parents are searching for safer solutions for their children travelling to school or college. Bus transport provided by high schools and colleges is available, but only for some. When you think about how much other ways of getting around cost, it is neither cheap nor comfortable for students to use them every day. Public transport is usually regarded as inconvenient for students. It has led to increased use of two wheelers by students to travel with convenience and less hassle.

Central Motor Vehicles Rules of 1989 were modified to grant permission to teenagers between the ages of 16 and 18 to ride e-scooters. The eligibility criteria to legally ride an e-scooter is reduced for teenagers. Still, they are prone to accidents due to their reckless driving and inexperience. They are inconsiderate toward others on the road. It's expected that accidents are common in places where there is an issue with traffic because underage drivers usually do not know how to control a vehicle properly. They may panic in fast-paced traffic or even lose control due to slight inconveniences.

Other requirements:
The motor of the electric vehicle can be a maximum of 4 kWh. The electric scooters having a maximum speed of 20 kmph can be driven without a driving licence. A driving licence is now mandatory for electric scooters in the category of 2 wheeler-powered vehicles. These regulations are in place per the rules of India's Road and transport ministry. The Government of India has also made it compulsory to register these vehicles.
It comes off as a saviour to all the students who travel daily to schools or colleges. According to various researchers, it is safe to say that school-going children aged 16 can drive e-scooters. It is mandatory to teach and train them before they kick start their riding journey. Alongside this, having a green licence plate for such electric motor vehicles is mandatory.

Like any other two wheeler insurance, it is essential to have regular e-scooter insurance to protect it financially against any accidental loss. You should opt for bike insurance that includes essential needs and versatility too! There are many 2 wheeler insurance online options available that are safe, convenient, and affordable.

This move by the government will promote the manufacturing and production of electric scooters throughout the country. It is a breathtaking transition to promote electric vehicles and simultaneously contribute towards a better and healthier planet.

There are no other eligibility criteria except age, driving licence, and green number plate. Electric scooters of various sizes and shapes are available with different features. It allows potential riders to choose the one that they like the most. From simple-built models to full-body mopeds, electric scooters will transform especially how school-going students between the ages of 16 and 18 travel. Ensure your kids have proper driving lessons, safety gears, and 2 wheeler insurance online before they take an electric scooter out.

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.

Fresh fruits and vegetables are a rich source of vitamins and minerals and help the body to develop immunity and resistance against several chronic diseases.

You can lose weight by making fresh fruits and vegetables an integral part of your diet because they are low in calories. We can use them as a substitute for other high-calorie food. Moreover, they can be used for munching in between meals. We will not feel hungry quickly and eat the next meal lightly.

Despite so many advantages of fresh fruits and vegetables, we often avoid making them a part of our daily routine. Let us go through the best hacks that can help us include fresh fruits and vegetables in our diet without apprehension.

1. Substitute:
Substitute the unhealthy junk food on your plate with fresh fruits and vegetables. First, fill at least 10% of your plate with fresh fruits and vegetables. Increase this percentage as you develop an appetite and taste for them.

2. Top up your junk food:
Top up your junk food like burgers and pizzas with loads of fresh fruits and vegetables. We can easily add chopped vegetables to the burger stuffing. We can add loads of tomatoes, spinach, mushrooms, garlic, etc., to pizzas, toppings, and even pasta. They will taste great and especially your children will love them!

3. Be innovative:
Bring Innovation to your food preparation by adding fresh fruits in yogurt, curd, custard, and cereals. Quietly add strawberries or blueberries to muffins and pancakes, advertise them as something special to your children and see how they will gobble them. Make innovative sandwiches and omelets by putting in extra veggies.
Make meals by using something like a sweet potato. Even the children will love it, which will be a great source of carbohydrates. We do not eat large portions of vegetables such as broccoli, no matter how nutritious they are. But we can increase its intake by adding them to our soups, curry, or even pasta.

4. Clean out or hide your junk stock:
We eat what we see. This is true, especially with kids. If they find them at home, you cannot stop them from eating junk food like chips, biscuits, wafers, noodles, etc. Completely clear away your junk food cabinet so your children cannot get hold of them and be tempted to eat them. If there is no junk food at home, they will have time to develop an appetite for fresh fruits between meals. Also, they will have space for eating fresh vegetables during meals.

5. Try making new purchases:
Never shy away from trying a new fruit or vegetable that you see in a store or supermarket. Do your research before buying them. Experimenting with fruits and vegetables can surprisingly be a good adventure.

6. Start having a fruit milkshake or smoothie:
Shakes and smoothies are one of the best alternatives to consuming fruits. Start having fresh fruit juice, shake, or a smoothie of loads of fruits. You may even add a few dry fruits and nuts to enhance the taste and nourishment.

Fresh fruits and vegetables are essential for our health and fitness. The above hacks can help us to increase their intake in our diets. This will result in better health and lower your risk of developing inflammation, heart disease, diabetes, and cancer.

Just as a good diet is essential for healthy living, good health insurance is crucial for efficient management of finances involved in health management. As health insurance improves your quality of life, invest in the best health insurance in India that is tailor-made for your special needs!

Click HERE to buy the best health insurance in India best suited for your needs.

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 rotation speed of the engine crankshaft which delivers power to the rear wheel via the gearbox, is the RPM of the bike. A higher engine RPM is required for better performance of the motorcycle. Since RPM is not a very known term for most people, let's dive deeper to understand its importance.

What is the importance of RPM in a bike?

RPM directly influences the comfort level you will experience when riding the bike. With the higher engine RPM, the speed will be much faster. Riding in the medium RPM range is suitable for the smoothest ride possible. Better comfort levels are achieved with a lower RPM, leading to higher fuel efficiency, especially in shorter city rides.

The RPM levels directly affect your comfortable riding experience, how much gas you use, and how well your bike performs in the long run. To say this, riding at high engine RPM for an extended period will increase the stress on the bike. It is dangerous for the engine and also for the well-being of the bike too.

With every bike, the RPM level is different. If you want to constantly ride at a higher RPM, opt for motorcycles specially built for this purpose. They are made for the tracks to run at higher RPMs.

What difference does it make?

RPM has a significant effect on the performance of the bike. If you run your motorbike at a low RPM, your bike will give you the best performance. Similarly, if you run your bike at a higher RPM, it charges up the engine to perform at maximum power, resulting in many vibrations. Experts also say that if you drive your bike at a higher RPM, you will have to fill up the gas tank more frequently because the fuel intake increases significantly with speed and RPM.

Riding your bike at the correct RPM for engine speed is essential. There are several benefits associated with doing so. As already mentioned, it will give you greater comfort on the ride, keep the bike healthy, and save you the money you might have to spend on fuel if you're constantly riding at a higher RPM.

With the increasing fuel prices, this is a lucrative deal to take care of your bike so that it consumes less fuel. It might not make a difference one or two times, but collectively it will make a massive difference over a long period.

Youngsters or people who ride for an adrenaline rush thrash their bikes at higher RPM. To figure out an ideal RPM range, know the maximum RPM range your bike can ride at. Now divide it by two. This is the average RPM you should ride most of the time; for example, if your top speed is around 8000 RPM, the ideal range is 4000 to 5000.

RPM is an essential factor that influences the health of your bike, which in turn, indirectly affects the cost of maintenance. If you're constantly riding at a higher RPM, it is very unhealthy for your bike, and you will have to spend more to maintain it.

Always ride safely within the specified RPM range, but if you are willing to drive at a higher RPM, purchasing a bike that supports it is the best. Otherwise, operating in the ideal RPM range is cool! Make it a point to invest in comprehensive bike insurance to enjoy financial benefits in the time of emergency when your bike meets with an accident.

Click HERE to buy bike insurance to keep your motorcycle protected from mishaps.

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.

Bikes are nothing short of an adventure on two wheels. While they have always been highly preferred in the Indian market due to their convenience, relative inexpensiveness, and ease of learning and riding, bikes are also doubling as a means of thrill providers over the last few decades.

With the varied topographical diversity in India, adrenalin seekers that enjoy motorbiking have found new joy in off-roading. While taking your bike on the road not commonly taken may give you momentary exhilaration, keeping your safety in mind before taking on such adventures is essential. Purchase a bike insurance policy that covers accidents resulting from such extreme sports.

Before getting started on your off-roading journey, consider purchasing these add-on covers to your bike insurance –

1. Engine protection:
The bike's engine is quite literally the heart of the machine. Ensuring it is in excellent condition is essential, especially when taking on challenging terrains. Since off-roading involves steep and rocky inclines, it puts tremendous pressure on your bike's engine. This makes it more likely to break down and leads to high engine repair costs. This add-on provides coverage for all expenses allied with engine repairs and maintenance.

2. Zero depreciation:
Wear and tear is a natural occurrence, and your bike is no exception. Usually, in case of raising a claim, the insurance company only admits a partial amount of the insured sum after factoring in the depreciation costs of the bike parts. However, buying a zero-depreciation cover can help you receive a higher claim amount than in the absence of such cover, making it easier to finance the cost of replacing bike components.

3. Theft of personal belongings:
Unlike regular riding, dirt biking requires special equipment that enhances the rider's safety. Such personal belongings are often expensive and require additional care to maintain. In case your riding gear gets stolen, a personal possessions cover can help you recover the insured sum or the cost of the stolen assets, providing peace of mind and financial security.

4. Roadside assistance:
Breakdowns may be frequent, even for regular bikes used for standard conveyance purposes on paved roads. Harsher terrains inevitably lead to greater chances of bike breakdowns due to multiple uncontrollable factors and mechanical failures. In such emergencies, it is necessary to have a backup plan to rely on. A roadside assistance cover provides reassurance of help in unforeseen conditions, making it a key requirement to purchase.

5. Outstation emergency cover:
The outstation emergency cover is necessary for off-road biking enthusiasts who enjoy long-distance biking adventures away from their residences. Generally, most bike insurance companies state the scope of coverage to be outside a 100-kilometre radius from the place of residence stated in the policy papers.

Can you buy specific bike insurance for your dirt biking adventures?

If you are a beginner to the sport, you may think of purchasing the above-stated add-on covers as a hassle and wonder why not buy an all-inclusive dirt biking insurance policy to protect your bike. Whether you intend to use a regular motorcycle for adventure sports or own a dirt bike, most insurance companies in India do not offer specific off-roading bike insurance. However, you may get comprehensive bike insurance that provides extensive coverage for your bike.

As the activity gains popularity, we expect the Indian insurance industry to adapt to the changing demand and provide suitable security cover for adventure activity. Until then, if you wish to take on the thrilling activity, we urge you to purchase the requisite add-on covers to make your bike insurance policy's coverage comprehensive for your needs.

Click HERE to buy bike 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.