GENERAL INSURANCE BLOG

Driving is a highly responsible task that requires a lot of attention and focus. Even the slightest distraction can lead to an accident which could be extremely dangerous and fatal.

So, it is recommended to be familiar with all the functions of the vehicle and drive sensibly. But did you know that the position of your seat and posture also play a significant role in your driving? You should always adjust your driver's seat for the best driving visibility. It should also ensure a good posture to avoid fatigue later. A good posture also ensures you are saved from injuries in an accident.

If you are wondering how to get optimal driving posture, we have you covered. This article will list all the ways to help you achieve the best driving posture.

Also, you should get the online motor insurance renewal on time to have additional protection and avoid trouble for your vehicle later. It can save you time, energy, effort, and hassles

How to maintain the best posture while driving?
Whenever you start driving a car, you should adjust the driver's seat according to your comfort and convenience. If you're driving someone else's car, it becomes more important to adjust your seat. If you fail to do so, you can get musculoskeletal disorders (MSDs) due to bad posture. A good posture also ensures that you don't get exhausted while driving. To adjust the driver's seat, consider the following:

1. Adjust the height of the seat
The height of the driver's seat needs to be appropriately adjusted to increase visibility while you drive. You need to adjust the seat according to your height so that you do not bend over to get the view properly. Moreover, there should be a minimum gap of about five fingers between the head of the seat and the roof of the car.

2. Maintain seat distance
The distance between the seat and the steering wheel is of prime importance. You cannot see the view correctly if it is too far away and requires bending over to reach the steering wheel. The seat should be positioned in a way that you can reach the steering wheel and the pedals effortlessly. This reduces the reaction time and helps you navigate the road well.

3. Maintain the backrest of the seat
Although it may not seem important, the backrest plays an important role while adjusting your driver's seat. The backrest ensures optimal comfort while driving. The backrest should be as vertical as possible.

4. Adjust the headrest of the seat
The headrest can serve as a great safety tool while dealing with accidents. It provides more protection to the head and saves it from injuries. You need to adjust the position of the headrest in a way that it protects your head in case of a sudden impact. You can also position a bit above your head for more protection.

These are only some suggestions by which you can get the best out of your driving experience. Lack of proper road visibility while driving can make it difficult for the driver to get judgement while making turns. These small measures will help you maintain a good posture and see clearly on the road. Make these adjustments in your driver's seat and savour the joy of a comfortable car journey. You should also get online motor insurance renewal done regularly for added protection.

Click HERE to get online motor insurance renewal.

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

Cracked heels are one of the most frequent and concerning foot problems, especially during the winters. It can happen to adults and children, although it tends to impact women more frequently than men.

Most individuals don't take broken heels seriously. Going barefoot may be uncomfortable as heel cracks occasionally go quite deep and hurt. Read on to find out the best home remedies and ways to keep your heels from getting cracked.

You can use home ingredients in simple cures for cracked heels:

We constantly take care of our faces, hands, and nails, but for some reason, we frequently overlook our feet. Additionally, they are more likely to get dry and cracked when wearing slippers or other footwear that exposes the feet.

Here are a few home-based cures for cracked heels that work quickly

1. Rose and milk for a deep conditioner:
This treatment will work like magic for people with painful, cracked heels. Take a small tub and fill it with warm water before adding half a cup of milk. Include a few rose petals and three to four neem leaves. Add a teaspoon of seed oil to the tub. If you have any essential oils, add a couple of drops. Spend 20 minutes soaking your feet, then gently scrub them to clear off the dead cells.

2. Oil massage:
Take one teaspoon of castor, olive, and almond oils and massage your heels with the mixture of these healing oils. Try moisturising your heels to help the oil soak properly. Wear socks and complete this technique right before bed. Your cracked heels will be healed and soft by overnight dampness.

3. Honey and banana moisturiser:
You should mix a teaspoon of honey and a small banana in a bowl. Achieve a liquid-like consistency before applying the paste to your heels. Keep it for 20 to 30 minutes, then rinse it with warm water. After patting your feet dry, apply your moisturiser. Vitamins A, C, and B6 are abundant in bananas, making them a natural moisturiser. Honey helps hydrate your skin and provides moisture to the skin's outer layers

4. Using a pumice stone and salt:
Pumice stone is used in this cure. Just add a few drops of olive oil to a spoonful of salt. Apply this scrub to your cracked heels, then scrub them gently with a pumice stone. Rub for another 20 to 30 seconds before washing with soap and water.

Caution:

If a medical disease is the cause of your cracked heels, do not attempt to treat it on your own. It could be necessary to receive specialised care from a podiatrist (foot doctor). No matter your medical history, a podiatrist should also look at cracked heels that are very bad. The doctor will recommend the appropriate course of action for your circumstances.

In the end, it can be hard to take care of heels, especially if you live in a dry area where they tend to crack. A lack of nutrients, diabetes, or atopic dermatitis may also cause cracked heels. The borders and soles of your feet may feel flaky and crusty when they become dry. These cracked skin symptoms can quickly disappear if you take good care of them by washing, moisturising, and wearing socks. Shea butter, coconut oil, olive oil, and honey are a few natural solutions for cracked heels. If these self-care solutions do not work for you, you must visit a doctor.

It is crucial to prioritise your health and ensure your well-being. Healthcare costs associated with sickness or accidents are covered by medical insurance. Your health insurance covers the costs of paying for your hospital bills or medical care directly. You can make online health insurance purchases conveniently with a hassle-free process.

Click HERE to buy an online health insurance plan.

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.

Buying a vehicle is a significant milestone in the lives of most people. However, it is a depreciating asset that requires much care to maintain. Irrespective of how well you drive, your car is bound to need some repair and maintenance at regular intervals by an expert and professional auto mechanic.

Most people get intimidated by a trip to the auto mechanic from the fear of the high prices and a lack of general understanding of the auto mechanics. Purchasing car insurance India is the first step to ensuring your vehicle is always protected.

When it comes to dealing with auto mechanics, following these five simple tips will ensure that you have a stress-free visit where you understand the costs and advice of the professionals.

1. Be prepared to communicate:
Communication is the most crucial aspect of any problem-resolution situation. You must be aware of any problems you wish to get checked. You don't need fancy jargon to explain the issue; as experts, a general idea is enough to give them an understanding of the underlying issue. You must be prepared to express what you expect- a regular maintenance check or component-specific troubleshooting.

2. Ask relevant questions:
Another major mistake is not asking questions. They may use jargon and quote estimates that you may not understand. Do not shy away from asking for clarifications. We do not recommend hovering around the mechanics. Still, it is justifiable to ask for estimates relating to costs, tips to prevent the problem from recurring, and help for other allied issues.

3. Read up on your car:
Knowing your car's make, features, and performing abilities allow you to understand the standard performance of the vehicle. Only then can you identify any variance that may require the inspection of a professional mechanic.
We recommend reading the car manual thoroughly and keeping information related to its identification number and component-related specifications handy in case it is required when scheduling a servicing appointment.

4. Request for original components from the manufacturers:
Buying a car is expensive, and any allied costs are just as expensive. Repairs and replacements can be pocket draining and are periodically required to keep your vehicle in its best shape. However, don't settle for replacing original components with copies made of inferior quality materials to minimise the bill.
Since regular repair costs are not included in car insurance India, the price of original components will inevitably have to be paid from your pocket.
However, using inferior substitutes will adversely impact your vehicle's performance and safety, putting your life at risk. Therefore, it is essential to request the mechanic to use original components to maintain the safety of your car.

5. Be available to approve further repairs:
In most cases, as mechanics work on the vehicle, they find other issues relatively more minor than the issue they are resolving presently. In such situations, they contact the owner to inform and ask for approval of comprehensive repairs. If you are unavailable at such times, the issue will magnify and cause concern.
If your car is at the garage and you get a call from the mechanic, it is suggested to respond at the earliest to get further updates that can improve the functioning of your vehicle.

Interacting with auto mechanics can be challenging, but it is a routine check you cannot skip, which is as crucial as purchasing car insurance India. However, dealing with auto mechanics can be simplified using our easy steps to get insight and the most value for your money.

Click HERE to buy car 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.

As a car owner or enthusiast, it's prudent to educate yourself about vehicle parts. The most confusing of them are fenders and bumpers that keep your car safe. You may have heard the term "fender-bender" from drivers when they get into a car accident and wondered, "What does it mean?" Fender and bumper damages refer to physical damages to your cars, such as dents. If you have recently bought a new car, this article will help you understand the difference between these terms.

However, before diving into fender vs. bumper issues in detail, we advise you to buy new car insurance to ensure your vehicle gets adequate protection against accidental damages and a hassle-free repair and servicing.

What is a car fender?
The fender has been a part of automobiles for a long time now. It is the part of the car that covers the wheels. The section where the fender goes is popularly called the "quarter panel." The quarter panel is the rounded corner of the car that protects the wheels.
In older vehicles, the fender used to be more pronounced. Whereas nowadays, with the modernisation of the structural design of cars, fenders have taken a flatter shape, complementing the car's frame.
Car fenders are an essential accessory for your car, as they play a crucial role in keeping the vehicle and its occupants safe. As the car moves, the tires grab and throw anything that comes in its path, such as small rocks, mud, water, etc. Fenders provide resistance against wind and roadside debris while protecting surrounding areas and nearby people from projectiles from your tyres.

What is a car bumper?
A car bumper has a "bumping" function, which means it acts as a protective perimeter to the body of your car and prevents other objects or vehicles from impacting it. In simple words, it reduces the impact of a collision by absorbing minor shocks. You can find bumpers in two places in your car, one in the front and another in the back.
Car bumpers may not prove very beneficial in protecting your vehicle from high-speed crashes, but they are quite valuable for safety during minor accidents. They also serve to protect pedestrians from severe injury in case of a collision.
Just like fenders, bumpers have also reduced in their size. Previously, they were mainly used for decorative purposes, and people came up with new stylistic designs. However, they have gained quite much attention in the automobile industry in recent years. They are no longer considered decorative items but essential for safety purposes. The effectiveness of rear and front bumpers has saved the lives of numerous car accident victims.

Several car owners struggle to understand the parts of their vehicle, making it challenging to communicate with the mechanics about car troubles. However, educating yourself about them can make all the difference when it comes to the proper maintenance of your vehicle.

Similarly, think of investing in the security of your car and buying new car insurance to ease the concerns that can empty your pockets and leave you frustrated. Understand your role as a responsible owner and do whatever is necessary to keep your four-wheeled companion safe.

Click HERE to buy new car insurance with the best 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.

Of the many injuries we are familiar with, a fracture seems to be the most painful. Not only it is excruciatingly painful, but it also takes a long time to heal. A fracture can slow you down, even for basic day-to-day chores. The healing is given ample time to ensure that the bones are correctly aligned. But having said that, waiting for your fracture to heal can be tedious.

The healing of a fracture covers three main stages: Inflammatory, reparative, and remodelling. During the inflammatory stage, special cells assemble in the injured area and cause redness and swelling. This is an indication to the body to stop using the affected area. The first bridge between the broken bones is made here as a blood clot or hematoma.

During the reparative stage, a soft bone or callus takes the position of the blood clot and holds the broken bones together. This soft callus is not strong enough to handle weight and movement. Over the subsequent weeks, the callus becomes stronger and can handle movement.

During the final stage, the normal bone replaces the callus entirely, and over a few weeks, the bone is back to its original condition.

In this article, we will look at the few things we can do to accelerate the speed of recovery.

1. Restricting movement:

The more the movement, the longer it takes for the bones to heal. To heal properly and quickly, the best method is immobilisation. Castes and plasters are the most common ways of giving your bone the support it requires while also restricting any painful movement.
If the fracture is more severe, the doctors might rely on screws, plates, or wires to keep the bone fragments intact. Always remember to consult a doctor in case of pain or discomfort.

2. Improving food habits:

A weak bone can take longer to heal. Vitamins and minerals are vital components of a healthy body. The essential component for bone development is calcium. Include food items such as milk, cheese, and other dairy products that contain high amounts of calcium that your bones require. For your bones to absorb maximum calcium from these food items, your body also needs Vitamin D. Vitamin D helps the bones effectively absorb the calcium from various food sources.
Avoid smoking and alcohol consumption. People who indulge in these habits experience slower and more painful healing. Avoid food with high sugar and salt content. Excessive sodium or sugar removes calcium from your body and significantly slows down the repair of broken bones.

3. Physical therapy:

Physiotherapy can work wonders for bone repair. Blood flow is an essential part of bone healing. Therapy under the guidance of a physiotherapist can help you regain strength and a greater range of motion. There are also some exercises that you can occasionally do. This ensures that your muscles and bones do not get stiff over time while in a cast.

4. Post care:

After the cast is taken off, try not to test the broken bone. Do not put a lot of pressure on the bone to ensure if your bone has healed or not. As tempting as it may seem, give your bones time to adapt to the surroundings without having external support.

These are a few valuable tips you can follow if you want a faster recovery of broken bones. All the methods mentioned above are simple practices you can incorporate into your daily routine. Healthy eating habits, regular exercising, and timely body check-up are essential to maintaining an overall healthy lifestyle.

This article is also a reminder for you to do your health insurance policy renewal. Accidents can be expensive, with the medical bills skyrocketing. Hence timely health insurance policy renewal is non-negotiable to avoid stress due to health problems.

Click HERE for health insurance policy renewal.

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

Regular car maintenance is a worthwhile investment since it allows a vehicle to operate more effectively and safely. Moreover, it helps avoid the need for expensive repairs in the future. Changing the engine oil improves the performance of your engine by spreading heat and keeping an appropriate temperature in the combustion chamber. In addition, you must remember that a well-maintained car helps you secure a car insurance renewal easily with added advantages like no claim bonus.

It is critical to use the proper lubricant for your vehicle to achieve optimal engine performance. There are many types of car engine oils available, and determining which one is best for your car is not an easy task.

How do you know which engine oil is best for your car? Here are the things you must consider.

1. Oil Viscosity:
When it comes to engine lubricant or engine oil, viscosity is a measurement of the thickness of the oil and the resistance to flowing. It is necessary to match the oil viscosity to the ambient temperature since thick oil does not agitate around the engine. Optimal viscous lubricant promotes energy efficiency while also preventing friction between components. Look at the care guide for your car's oil needs.

2. Analyse the previous engine oil's performance:
One of the essential things you should do when changing your engine's oil is to assess how well the prior engine oil performed. Changing your engine oil at specified intervals is vital to ensure smooth performance and safety.
Suppose the previous engine oil was refined, and there was no need for engine maintenance. In that case, you can use the same oil and brand without hesitation. It's best to choose an oil with the same manufacturer certifications as the one specified in your car manual if you can't find the one you need.

3. Type of car you have:
The type of vehicle is the most crucial consideration when selecting engine oil. There are several important factors to consider when buying engine oil for your car, including whether it is old or new, if it runs on gasoline or diesel, and if it has a high-performance engine or not, the brand, the series, and so on.

4. Follow the advice of the manufacturer:
It is suggested to follow the manufacturer's guidelines for engine oil changes in your vehicle. The importance of these guidelines becomes much more apparent when you own a new car that is still covered by the manufacturer's warranty. Use only the engine oil recommended by the manufacturer during this period because using a different oil could invalidate the warranty and affect your car insurance renewal.

5. Environmental factors:
The choice of engine oil is influenced by whether or not the vehicle is subjected to high-temperature conditions. Choosing an engine oil that can handle low and high temperatures is essential when driving in harsh climates.

It is critical to choose the appropriate engine oil for your engine to run at peak performance. Furthermore, the proper engine oil will improve the engine's performance and the car's overall fuel efficiency.

It is highly suggested that car insurance renewal be done before the due date to receive uninterrupted insurance benefits for a prolonged time. So consider these five factors the next time you're shopping for engine oil to get the best results.

Click HERE to get your car insurance renewal done before expiry.

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.

Driving is a predominantly visual activity. Only learning the controls of the car is not enough. Good visualisation is one of the essential skills to develop when driving a car. Although you must concentrate on the road ahead, it is crucial to have a clear view of the sides and back of the car as well. Adjusting the side and rearview mirrors is vital to ensure a well-rounded view while driving.

Further, you should rely on emergency financial help by investing in dependable motor insurance India plans in case of road accidents, as it is always better to be safe than sorry.

All cars have blind spots; therefore, adjusting your rearview and side mirrors to the optimum can ensure maximum visibility and safety on the road. In this article, we tell you how to use your car mirrors efficiently and avoid the chances of accidents while driving.

1. Rearview mirror:
The rearview mirror, positioned next to the driver’s seat slightly above their eye level, is used to see the road behind and if any cars are approaching. The driver must adjust the rearview as per their height and comfort as soon as they get into the driver’s seat.
To adjust the angle of the mirror, sit up straight in a comfortable position, hold your head still, look into the rearview and shift it until the back or rear window is entirely visible in the mirror. Do this to avoid any blind spots. If more than one person is driving the same car, make sure to check the rearview mirror every time you get into the driving seat and readjust it to the best angle, in case it has been shifted as per another driver’s comfort.
When driving at night, flip the tab at the bottom of the rearview mirror that helps dim the light reflected by the headlights of the cars approaching behind you that may strain or blind you. In addition, some advanced car models enter and exit night mode to aid your visualisation.

2. Side mirrors:
Every car has a single side mirror on the left and right sides of the vehicle, respectively. As they are located outside of the car, it can be difficult to manoeuver them from inside. While many modern car models have levers or buttons that help adjust the side mirrors from the inside, some of them may not.
If your car does not have a lever or buttons to adjust the side mirrors, make sure to do so manually, right after you adjust the rearview mirror. Sit upright in the driver’s seat, first glance to one side, and adjust that mirror to an angle that helps reflect the side of the road. Shift it to a wide angle to get a comprehensive view of the side of the road. Repeat the same method for the mirror on the other side. If you have a lever or button inside the car, angle the side mirrors using it. The side mirror should provide a wide sideways view in just a simple glance.
The pro tip is to adjust the side mirrors to an angle that allows you to see right from the side of the road to the very back, including the approaching car, to maintain a safe distance.

Following these few tips to adjust the car mirrors can vastly improve your visualisation and assist you considerably while driving. It leaves very little room for errors or accidents. Apart from angling the mirrors, you must also check the wheel alignment, tyre pressure, oil levels, acceleration, and brake control to ensure safety before hitting the road.

Also, prioritise investing in motor insurance India plans and get the perks of financial coverage in case of loss or damages during accidents. Add value to your possession and get the best returns with assured safety.

Click HERE to know more about motor insurance India plans.

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.

Indoor rodent infestations may have significantly reduced over the years; however, they still pose a threat outdoors. While we hear several stories about the damage caused by rodents and insect infestations in cars, we rarely hear about how badly they can damage two-wheelers.

Rodents, particularly mice and rats, are primarily attracted to areas where they can find ample warmth and hide. For them, bikes that have been stored away in garages for the long term make a perfect home. Although these mice usually take shelter in cars, bikes are a perfect warm spot for them, specifically in the winter months.

What are the threats caused to your bike by mice?
If you think rust is the worst thing that can harm your bike, you may be wrong. Mice and other such rodents can be far more damaging to your two-wheeler. From chewing on bike parts and wiring to building nests inside your engine, mice can cause terrible damage.
Mice are quick to chew into various parts of the bike, especially wiring. This can cause the engine and other parts to fail and is very difficult to fix. These damages incur high costs for the maintenance of your bike. In addition, it can be challenging to reach and repair the internal parts of the bike that have been damaged, causing unfavourable wear and tear in the process.
The nests created in internal parts of the bike are another major issue. Mice store food and other materials in the nests, which can clog the engine. They carry diseases and germs that can be detrimental to your health. If the nest is built near the air filter, there is a considerable danger of expelling rodent excrement every time you start the bike, leading to the spread of airborne viruses.

How to keep mice away?
Whether you are trying to get rid of the mice or are simply taking preventive measures to protect your vehicle, these few tips will go a long way in avoiding any more damage caused by rodents:

1. Mice try to find places that humans or other animals don’t regularly use. A stored bike in the garage or outdoors is one such place. The easiest thing to prevent this is to take the bike out for a ride frequently.

2. A simple mouse trap can help catch the ones that may be inside your vehicle. Keep the bike in a shed or enclosed area, set enough mouse traps around and underneath the bike, and check after a couple of days.

3. You can find many mice or rodent repellent sprays and medicines in local stores or online. Spraying these all over the bike will help chase away all the mice dwelling in and around the two-wheeler and prevent any more rodents from coming near it.

4. Block all mouse holes or hiding places in the garage where you store your bike. Making it a rodent-free zone is crucial. Avoid parking the bike in forested areas or lands with tall grass to avoid any future infestation.

5. Mice have a strong sense of smell and can be highly affected by it. Applying peppermint oil on tiny buds of cotton and placing them in various corners of the vehicle can help drive them away.

These tips may not undo all the damage caused to your vehicle, but it’s always good to be aware. So, be wise enough to have bike insurance so that you can recover the damage caused by mice. Also, if your bike insurance plan covers non-collision damages, you can easily file a claim.

Click HERE to get the best deals on 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.