GENERAL INSURANCE BLOG

The majority of house buyers and sellers use the services of real estate brokers to make the process hassle-free. A real estate broker is a middleman who connects a buyer and a seller. An experienced broker can help you secure a good deal while keeping both parties' interests in mind. Unfortunately, the real estate sector in India is rife with misinformation and uncertified real estate agents.

As a result, finding the perfect broker is crucial in making informed decisions and avoiding costly mistakes. Finding the right real estate broker is as important as finding the best home insurance policy. Here is how to pick one.

1. Authenticity:
Reputation is a key component in the real estate sector. A reputable broker maintains relationships with developers, owners, and other real estate professionals. Question at least two clients about the agent's authenticity, knowledge, service quality, and, if possible, the pricing of homes they acquired through your agent. Preferably opt for a licensed broker who is a member of the National Association of Realtors (NAR).
Brokers must be RERA (Real Estate Regulatory Authority) registered in addition to being a part of a reputed organization. The state's RERA website posts all of the agent's info. You can look up these facts on the website using the registration ID of the real estate broker.

2. Understanding of the neighbourhood:
When looking for a real estate broker, the first thing you should look for is someone who knows the neighbourhood. Your broker should be well-versed in the local market conditions.
A good real estate broker is well suited to reveal the nitty-gritty of an area, the real estate inventory, and the prospects. It's also necessary to know current property trends. You'll be in good hands if you find a broker familiar with the local rules and regulations regarding property purchases.

3. Potential prospects:
Do not finalise a broker on the spur of the moment with a single offer. Investigate the market and speak with at least two or three agents. You can ask questions, learn about their experience and working style, and determine their areas of specialisation and professionalism by meeting and interviewing a few possible brokers.

4. Brokerage:
It's critical to negotiate your agent's fee upfront without ambiguity. In most Indian cities, the fee is usually 2% for transactions worth more than Rs 50 lakh and 1% for transactions below. Real estate brokers frequently skip the fee section and charge a high percentage after the contract is closed, leading to disagreements.

Buying a home is both a financial and emotional investment. Many homeowners will also agree that purchasing a home is a complicated job. The right real estate agent can make the process less stressful while ensuring that you get a decent deal.

After finding a great deal on the house, the sense of claiming it as your own is unquestionably a once-in-a-lifetime experience. It is suggested to purchase home insurance coverage to protect your new home from undesired circumstances and shield your personal space with a layer of financial protection.

To know more about home insurance, click HERE .

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 best view arrives after the hardest trek," and there is no denying that. The beautiful valleys, the breath of fresh air, the stunning views are just a few of the many rewards you get at the end of a trek. We have heard about the experiences of avid trekkers, and each of them, without fail, has mentioned that everyone should go trekking at least once in their lifetime.

Trends show that more and more people are leaning towards new outdoor experiences, and trekking is something they want to enjoy. While choosing a destination isn't challenging, zeroing in on the other aspects of your travel becomes essential. One crucial question is whether to travel solo or in groups. Today we will try to shed light on both of these to help you make an informed decision before your next trip.

Why travel solo?
People have often associated trekking with catharsis. They enjoy the peace, quiet, and sometimes the mini-adventures that come with it. Navigating through unknown roads, climbing treacherous terrains, cooking your food, and enjoying your solitude is what any travel enthusiast dreams of. This means that you are fully responsible for everything that happens during that trek, and the experience is unique to you.
Another vital aspect is that since you are the sole proprietor of your journey, every decision made and every skill used comes from your judgement. This is an incredible way of learning your strengths and making yourself confident for future solo trips. The added benefit of going solo is that you set your milestones.
You aren't worried about being left behind, you don't have to race to the top to ensure you get the ideal spot for your tent, and you don't have to depend on other people's time. Instead, you get to explore like a wanderer.

Why travel in a group?
Shared knowledge is the best knowledge. When you travel in a group, there is a chance you might meet skilled travellers. Travelling with them helps you gain better insights into immersive experiences, and more often than not, they have tips and tricks to help you in your journey to the top.
There is a zeal associated with travelling in groups, where people constantly support each other and share new stories. There is a powerful sense of euphoria when you stand together, looking at the beautiful view from the top with each other. In addition, there is a distribution of responsibilities, some help in pitching the tent, some help in lighting the fire, and others help with the cooking process.
Travelling in a group ensures the safety of everyone, and in case of injury, there is always someone to help you. And by the end of your expedition, you make many new friends with whom you share fond memories.

These are some of the benefits of travelling solo and in a group. Treks can be a wonderful experience if done right, and in a country like India, there are a plethora of options that you can explore. Some groups conduct annual treks. Signing up with one can be an excellent start to your trek experience.

Keep in mind that your safety is of utmost priority no matter how you travel. So carry a first aid kit, visit your doctor for a checkup, and don't forget to buy general insurance online to get exciting deals and protect yourself from landing into unnecessary trouble.

Click HERE to buy general insurance online.

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

Painting your house can be a great way to improve its appeal, increase its monetary value and overall make you love your place even more. The best part is that painting does not even cost you much if you use the right tips and tricks. However, before picking up the paintbrush, remember that it is not child's play.

The gratifying project of giving your house a new look with a fresh coat of paint can become taxing if you follow the wrong ways. To make sure your home stands out in the neighbourhood, you must take an informed and measured approach to painting.

Before you make your selection, here's something you should know.

1. Hire a professional or do it yourself:
Decide on whether you want to hire a professional painter or do everything yourself. Both have advantages and disadvantages. Professional painters will cost more, but they will do the job faster and with correct procedures that non-professionals may not.

2. Choosing the appropriate colours:
The colour selection might be time-consuming due to the importance of each family member's shared decisions and choices. To observe the impact and brightness of the colours, purchase paint samples and apply them to any two sides of the wall. Or check out the colour palette of different paint companies and then choose.

3. Deciding on the best time to paint:
If you want to paint the building's outside walls, you should do so during the summer months so that the paint does not take as long to dry. Otherwise, paint only in the late mornings and early evenings when the weather is warm enough for the paint to dry.

4. Calculating the cost of painting:
You'll need to calculate the entire painting cost, including the equipment, expert painters (if you're employing them), paints, primers, and other supporting materials.

Before you begin the painting process, keep the following recommendations and practices in mind:

• Examining the house:
The painting should begin with a thorough examination of the entire area. Before applying a paint coat, make a list of every crack, hole, and structure that has to be fixed.

• Figuring out how much paint you'll need:
It's much easier to calculate and estimate the amount of paint that needs to be purchased once you've taken down the measurements of the area that is to be painted. It is generally a good idea to buy more paint than you need.

• Getting rid of old paint:
You must remove the old paint if it has deteriorated and flakes have begun to appear on the unsightly walls. Use a paper scraper to remove the old paints. This will eliminate the blemishes from the walls and clean them by removing the undesired dust.

• Cleaning the residence:
Professionals usually do cleaning and remove everything from the house. Before painting, clean the house to prevent dust from adhering to the walls. Remember to use a cloth to cover any other areas and big furniture you will not be painting.

• Begin the painting:
After these preparations, the paramount step is to paint the wall. First, spray the paint on the wall using a sprayer and then roll it down with a roller. Many specialists recommend that you employ the back-rolling method.

The next step is to let the paint cure for at least 24 hours since it will take practically an entire day to completely dry.

Painting is just one more method to nurture your home and take good care of it. Another approach is to get a low-cost home insurance India plan. This will cover your property from various catastrophes and ensure longevity by adding value to your prised possession.

Click HERE to buy a reasonable home insurance India 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.

Cleaning our home is a regular task for all of us. It improves hygiene and promotes physical and mental well-being. Tidying the mess around you gives you clarity of thought and can be therapeutic. But sometimes, sorting the mess doesn't help, and a deep cleaning process is needed.

It might sound stressful, but no need to worry. This blog is a room-to-room manual for deep cleaning your home without getting tired during the process. We have broken it down into small doable tasks that are easy to follow.

But before we begin, go ahead and declutter the mess around you to make it convenient to move around freely while cleaning. Once you have sorted your scattered possessions, follow the subsequent points to proceed with room-wise deep cleaning.

1. Bedroom:
Remove the beddings and put the bedsheet and pillow covers into the laundry. An extra spin would help in drying them faster. Air dry your synthetic pillows. For heavy comforters, a laundry facility would be helpful. You can clean your mattress by sprinkling a little baking soda on it, letting it sit for an hour, and then using a vacuum cleaner to extract all the dirt. Next, declutter your closet by pulling out the clothes you won't wear and donating them. Finally, get all the blazers and the crease-prone garments on hangers to organise your closet.

2. Kitchen:
Start by wiping all the cabinets and external surfaces. You can use newspapers or mats to put on the shelves to avoid dust on the surfaces. Take all the things off your shelves and wipe them using suitable cleaners. Wipe the refrigerator inside out after emptying it. Follow the same process for the stove, dishwasher, and other appliances if possible. Wipe the countertops using cleaner liquids and let them dry.

3. Bathroom:
Some shower curtains have labels that mention if they're washable. Make sure to check yours before you wash it. Afterward, rehang to let it completely dry. You can also wash your plastic shower line or purchase a new one. To remove the water spots and soap scum, use heated distilled white vinegar for the doors and scrub with baking soda using a non-scratch pad. Finally, declutter your washroom cabinets, clean the surfaces, categorise the items, group, and arrange them. Do the same with your first aid and medicine cabinet.

4. Living room:
Use a vacuum cleaner to clean all the furniture. Remove the cushions for easier access to the deepest corners. Collect all your showpieces and photo frames from the shelves and wipe the surfaces with cleaners. Now take all the photo frames and clean them gently using a microfiber cloth. This will help you avoid scratches. You can use a thin dusting wand to clean beneath the surfaces of electronics. Go through all your CDs and DVDs and if they're not of use anymore, collect them to donate or sell.

Use these tips as your guide to deep clean your home without any hassle and stress. Also, ensure to safeguard your home and buy home insurance online. With the world going digital, you can explore your options and buy home insurance online in India with only a few clicks. Additionally, online insurances offer exciting benefits and deals to the policyholders to opt from and take advantage of.

Click HERE to know more about how you can buy home insurance online 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 year 2022 is specifically crucial as the pandemic has caused individuals from all around the globe to pause and reconsider how they have handled their funds over the last couple of years. While the idea of plotting financial goals in the aftermath of the pandemic recession may seem daunting, it is an excellent time to participate in a different type of financial goal-setting.

As we are just getting started with 2022, remember, the sooner you begin, the better you will achieve your financial objectives. So, to help you start your journey to financial freedom, we have written this blog which points out 6 goals that you should meet. Let us take you through each of them briefly.

1. Build an emergency fund:
A liquidity backup set up for emergencies and unexpected bills is known as an emergency fund. You can use these savings for unanticipated costs or payments that are not part of your regular expenses. It can act as a financial cushion when you are looking for a job change, are unemployed, and support you during the uncertain times of Covid-19. It's just like an umbrella, not much of use most of the time but tremendously valuable when needed.

2. Savings for a home:
Owning a home is one of the most popular financial objectives people seek to fulfill. It is evident that people must work hard to achieve this goal. Planning for it may be difficult but not impossible if you start early. To appropriately fund this aim, you must first analyze your financial flow and requirements. Check your spending habits and invest in schemes that will earn you a good return in the future.

3. Adequately insure yourself, your family, and your assets:
You and your dependents can face numerous financial hazards if not adequately insured. Health insurance is crucial in today's times. We cannot deny the importance of general insurance in India for your other assets like a house, motor vehicle, etc. There are many good companies offering health and general insurance in India.

4. Invest for your retirement:
Saving for your retirement is a crucial financial long-term goal. Keeping a retirement fund to live comfortably and pay for medical expenses in your later years is essential. However, achieving this goal will be wholly dependent on your financial portfolio and spending habits over the years unless you have other forms of passive income.

5. Savings for your next generation:
With an average of two kids per household in our country, the university and upbringing cost is very high. You would indeed desire the best college and educational facilities for your offspring. However, paying for all the tuition fees and other costs of having kids is not that easy. After attaining your financial freedom, planning for your next generation is the most important goal you should look forward to.

6. Being debt-free:
Staying out of debt is a must for your financial wellness. This will ensure that you achieve your other financial objectives without any hurdles. Whether it's repayment of loans or clearing credit cards debts, make a strategy to get out of it as soon as possible.

Setting financial objectives will be one of the most important things you will have to do every successive year. If you're a married individual, you'll notice that many of these targets aren't purely personal and heavily involve your partner. Having communication with your partner and financial adviser can help you work together to get the most out of your resources and meet your financial targets. Happy New Year and happy financial planning!

You can check the most economical plans HERE.

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.

We all enjoy the occasional getaway to rejuvenate ourselves and break the mundane routine of our day-to-day lives. So often, we find ourselves surfing the internet for hours, trying to zero down on the one place we can go to and relax with our loved ones. But more often than not, we end up not going to these places. And there is no shortage of images on the internet, so we find ourselves looking at them and yearning to be there.

Today we will be looking at six places that will promise you peace and calm on your next getaway.

1. Cherai Beach, Kerala:
Popularly known as the ‘Princess of Arabian sea’, Cherai beach is located about 16 miles from Ernakulam on Vypeen island. This golden beach boasts blue waters and lush green vegetation stretches that are a must-visit for anyone who wants to unwind by a beach. People can enjoy various water sports in this destination. Cherai also hosts a five-day tourism festival that conducts an array of diverse cultural and traditional art forms.

2. Bhimbandh, Bihar:
This hot spring holds great significance in the history of India. Unfolding the pages of the past, during Mahabharat, when the Pandavas had to live in disguise, Bhimbandh was one of the locations that they had chosen. The temperature in this natural spring goes up to 72 degrees celsius. It is believed that Bhim was instrumental in placing slabs across the stream to prevent the water from flowing at high speeds. Hence the name “Bhimbandh”.

3. Gandikota, Andhra Pradesh:
India’s Grand Canyon, Gandikota, is undoubtedly one of the most picturesque places in the land. The main attraction is the Gandikota fort and its ruins. Built-in red sandstone, the fort has beautiful and intricate carvings, watchtowers, and a few noteworthy temples. Anyone interested in history should add Gandikota to the bucket list of places to visit.

4. Nagore, Tamil Nadu:
Nagore is a quaint town in Tamil Nadu, known for its famous Dargah, dedicated to Shahul Hamid, a renowned Sufi saint. It also promises a rustic, old-world charm and is a must-visit destination for travellers to enjoy beautiful unspoiled beaches.

5. Netarhat, Jharkhand:
A hill station, covered with thick forests known as the “Queen of the Chotanagpur”. One of the few places famous for its breath taking sunrise, and equally beautiful sunset, Netarhat is about 154 km from Ranchi. This hidden gem is surrounded by pines and orchards, making it the perfect picnic spot to enjoy with family and kids.

6. Idukki, Kerala:
This beautiful place has vast spans of mountains and dense forests. It has the lowest population density in Kerala, so its beauty is untouched and unexplored by many. Famously known as the ‘spice garden of India’. The Idukki dam is also one of the largest dams in the country and is a sight to behold.

We hope these places help you curate your next travel trip. Remember, no matter what the place is, always try to live amongst the locals and get a feel of the local lifestyle and the food. This only adds volumes to your experience and can be something that you will remember for the rest of your life. If you plan on taking a vacation, it is ideal to get your general insurance sorted. A beforehand general insurance policy acts as a safety net against any risks or unforeseen expenses you might face while traveling.

Click HERE to know more about general 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.

One of the most expensive assets that an average earning Indian buys in his/her life is a house. A good part of our earnings is spent on buying and furnishing our dream home. Though we pay a lot of attention when purchasing and setting up our house, we often neglect to get it insured from the best home insurance company in India.

Due to a lack of awareness among buyers, many people don’t consider buying a home insurance policy to protect their homes against natural calamities. There is a misconception among insurance buyers that home insurance is costly. However, the fact is that home insurance against natural disasters in India is inexpensive. It is being offered by the best home insurance company in India at a price that doesn’t burn a hole in your pocket.

Why buy Home Insurance against natural calamities?

Despite knowing that home insurance against natural calamities is not as expensive as it is perceived, only 1% of people buy the insurance cover.

It is essential to buy home insurance against natural calamity because India is a disaster-prone country. Many regions are prone to experience earthquakes with severe intensity. Also, there are many areas, approximately 12% of India, which is likely to floods. The areas on the Indian coastline are prone to experiencing tsunamis.

The frequency of natural disasters in India has increased in the past few years. According to the World Bank’s estimate, approximately 600 districts in India are calamity-prone. This places a large number of people and their property at a higher risk.

It is thus essential for Indians to buy a home insurance policy against natural calamities from one of the best home insurance companies in India. Moreover, a home insurance policy covers not only the building of your home but also the components in it from damages.

Here is a detailed analysis of why you need to buy a home insurance policy.

It not only protects your home:

• A home insurance policy provides protection not only by covering your home but also the components within.
• You can easily opt for add-ons to protect various components of your house like furniture, valuables, electronics, etc.

Replacement of loss

• A home insurance plan not only provides financial safety but also provides for the replacement of the insured subjects.
• You can opt for replacement cost instead of depreciation value when buying a home insurance plan.
• The structure of the building and the various components are insured for their replacement cost.

Home Insurance is inexpensive

• Home insurance plans to protect your home against natural calamities are available at affordable premium costs.
• You can easily buy home insurance from the best home insurance company in India without pinching your pocket.

Protect yourself from lawsuits

• A comprehensive home insurance policy offers you the required peace of mind by protecting you from property-related lawsuits.
• Some insurance plans also cover the medical expenses of a guest who is injured on the premises of your residence.

It offers flexibility

• If you are willing to buy a home insurance plan to protect your property from natural calamities, you can choose between insuring the structure of your home or only it’s content. This offers flexibility in buying a home insurance plan.

Natural calamities cannot be controlled, but you can protect your home. If you still don’t have home insurance, buy one soon from the best home insurance company in India to protect your dream home.

Home is a name, a word, it is a strong one; stronger than magician ever spoke, or spirit ever answered to, in the strongest conjuration. –Charles Dickens

You’ve made the big decision to purchase a dream house: reality is finally sweeter than your dreams! Congratulations.

A house is a matter of pride and a big commitment for many many years. A house is probably one of the biggest investments you will ever make: a dream you would like to protect.

While there is little we can do against natural disasters, we can reduce some of the hardships by having home insurance, which protects against any damage to the house and valuables in it.

Home insurance is poorly sold in India; People are either not aware of home insurance or are reluctant to buy it. They don’t see the risk to their property—be it fire or an act of terrorism; and of course, it always happens to other people!

A lost life cannot be regained, but a lost house can be rebuilt and it doesn’t cost much.

Here is what our Truth lens tells us:

A good policy covers for financial loss arising out of various incidents such as fire, earthquake or burglary. It covers, not only for structural damage but also for all other assets and possessions you may have, right from a rug to a refrigerator.

Here are a few things to consider:

One, the Cover

At the basic level, a standard fire and special perils policy covers your structure and possessions from fire and other dangers such as earthquakes and storms. The second level of coverage protects against burglary or breakdown of mechanical and electrical appliances. The last one protects against minimal risks such as loss of rent, loss of important documents such as title deeds and passport, and provision for alternate accommodation.

Two, the Sum Insured

While the value of your house is based on three factors - land, cost of construction for the building and prevailing real estate prices – the insurance only covers for the building’s cost of construction. Most insurers will offer a standard rate per square foot multiplied by the carpet area of your house. The rate offered also considers depreciation. Therefore, it is important to go for a reinstatement cover. This covers for rebuilding your home from scratch, assuming the worst.

Three, Compliance

If you are living in an urban high-rise, your flat alone cannot be rebuilt in case a big calamity hits the locality. It is the housing society’s responsibility to insure the entire premise. Talk to the society management and figure the kind of insurance availed of and what supplementation you need. The insurer will not cover for poor or unauthorized construction and you don’t want to be left high and dry in the event something goes wrong. Taking 2 insurance policies for the same asset will not result in double benefits! [This is based on the principle of indemnity, and the more technical oriented amongst us can click here to read more about it]

Time period: Home insurance can be bought for a minimum of one year to a maximum of five years. Do remember to renew.

Fine print: Home insurance policies are worded differently. For example, structure insurance may only be for building and not land, or only jewelry kept in the locker may be covered.

Tenants: If you are living in a rented house, you can insure only the contents and not the structure as you don’t own it.

A central air conditioner cools the air in one area, then uses the furnace's air handling skills to circulate the cool air throughout the house. This sets it apart from mini-split systems, window or wall air conditioners, or any other cooling system that needs many units to chill the entire house adequately. The compressor is outside, and the evaporator coil is inside the residence, dividing the device into two main parts.

The central AC installation process.

Now that the fundamentals have been addressed let's go over the detailed procedure for installing central air.

STEP 1: Get a quote.
Find nearby Heating, ventilation, and air conditioning (HVAC) contractors by conducting an online search. The committed residential HVAC technicians may also come to your house to offer you a quote. This procedure includes inspecting any existing air conditioners and the areas of your house where the air ducts will be placed.

STEP 2: Choosing the appropriate central AC unit.
Your HVAC contractor will suggest an AC unit. This depends on elements like your home's size and the climate where you live. The following are the key elements that will help you choose the best AC unit for your house:

Unit size: Because homes come in various sizes and climates, HVAC manufacturers offer systems in multiple sizes. Most of the time, your contractor will assist in determining the ideal size for your property.

Ranking SEER: The performance of an AC system is based on its seasonal energy efficiency rating (SEER). For instance, high-SEER equipment will benefit from lower operating expenses, decreased energy usage, increased safety, and quieter operation. High-SEER units frequently cost more upfront. However, they lead to more savings over time and can provide a better return on your investment.

Productivity of the unit: The two main types of AC units that manufacturers provide are package systems and split systems. Since all components are contained in a single housing, the general package systems perform well for an "all-in-one" experience.

STEP 3: The unit is placed on your property.
Proper location is important while installing central AC as they have two drawbacks: they take up room and are noisy. So, where should your unit be placed for the best results? You should put the unit out of sight and away from beds. The side yard, a location near the kitchen, or the laundry room are frequently chosen by consumers. By doing this, you can lessen the noise in the vicinity of the rooms in your house where you sleep, rest, and work.

Step 4A: Check the existing ductwork in step.
Ask your contractor to look over the ductwork if it already exists in your home. Before setting up the new system, they can find any structural damage and replace or fix it.

STEP 5: Installation.
As previously indicated, if a split system is installed, a portion of it will be stored indoors, most frequently in the attic. If new ductwork is necessary for your home, it will be installed by your contractor.

The value of your property can be increased while keeping you and your family comfortable by installing a central air conditioner. To ensure the most seamless installation of your central air conditioner, don't be afraid to ask your installer questions about the process.

Also note that the best home insurance in India will safeguard your home against unforeseeable catastrophes, such as calamities caused by both nature and humans. Some insurance covers the house's structure, while others cover the building and the home's contents. Buy the best home insurance in India and reward your home with seamless protection.

Click HERE to buy the best home 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.

Selecting the right furniture may be a tedious task for some people who need to be more informed about what to look for when buying furniture for their homes. How your home looks will be significantly impacted by the type of furniture you buy, so always consider its relevance and durability.

The heart belongs at home. It's a place where joy abounds, and priceless memories are etched on the walls. It's your happy place and is most likely one of your most important financial and emotional possessions. You should therefore safeguard it with reliable house insurance coverage. Also, when purchasing furniture, take into account the following things.

Factors to consider when buying furniture.

1. Colour scheme:
The colour of the particular furniture you wish to purchase is an important factor to consider. The colour of your furniture complements the furnishings and decorations in your home. No matter how lovely the furniture is designed, choose it only if the hue goes with your decor.

2. Budget:
Purchasing furniture does not require you to spend a fortune. Decide upon a budget that should allow you to explore the options available in the market. However, choosing the most affordable furniture from the market could result in receiving subpar furniture. Imagine purchasing furniture that costs more than your income and then figuring out how to live after spending everything. Find one that won't break the bank but still matches the colour, theme, and decor.

3. Size of your house:
Ideal furnishings must fit in your room comfortably. Imagine how constrained your movement will be in the living room if you purchase large sofa sets for your little space, such as seven-seaters, because neither you nor your family has enough space to move about freely. Therefore, consider the size of your room when choosing the furniture.

4. Longevity of furniture:
By purchasing furniture that will fit for use for a long time, you may save money by selecting sturdy options. Shopping from renowned dealers known for high-quality furniture will put you on the safe side. Doing this gives you a better chance of finding sustainable and economical furniture.

5. Maintenance:
Materials like plastic and wood are used to make various types of furniture. Nevertheless, hardwood furniture is excellent because it requires less upkeep and is easier to clean and repair. So, before purchasing any furniture that catches your interest, check the materials used to make it.

6. The ease of the furniture:
It doesn't make sense to purchase stylish furniture that is uncomfortable. For instance, buying a stylish chair prevents you from handling your job effectively, and hurting your back is not a good idea.
Additionally, experts advise choosing ergonomically designed furniture, making your house or business welcome and stunning while offering the utmost comfort.

Even if it might not seem so, buying furniture can be stress-free. If you follow the advice mentioned above, there will be no room for error. Decorate your home with the best quality furniture and make your personal space more attractive with creative ideas.

Along with beautification, it is also important to ensure the security of your home. House insurance India guarantees the safety of your house and your possessions. A little investigation and work can go a long way, as previously stated.

Click HERE to buy house 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.

The Indian winter calendar is always filled with various exciting events, including religious fairs, cultural festivals, and many other events. Many domestic and international tourists visit these events to participate in multiple activities and enjoy the rich cultural heritage. From boat races to rituals, elephants to drums, these winter festivals are packed with fun, entertainment, and local culture.

*Pro-tip
To make the most out of your trip, even in terms of safety, kindly get in touch with a general insurance company so that they can cover your trip against any uncertainties, cancellation of flights and damage to your luggage, etc.

1. Kochi Biennale:
The Kochi Biennale is an international exhibition of contemporary art held in the city of Kochi in Kerala. This festival is considered one of the largest contemporary art festivals in Asia. The event features works by both established and emerging artists.
Many of the works presented are interactive, with many artists taking the time to speak with the audience about their work. This blooms a creative atmosphere and allows artists to learn from the feedback from the visitors. This approach enhances the true meaning and value of the art and spreads it to the world.

2. Nagaur festival:
If you're in the mood for a good time and want to get a feel of the rural culture of Rajasthan, the Nagaur festival is the right place to be. From the flamboyant costumes to the exciting camel races, the Nagaur festival will surely entertain you with its colourful and vibrant shows. In the evenings, the fair turns into an open-air theatre with stunning performances of local dance forms.

3. Hornbill festival:
Every year, the Hornbill Festival is organised in Nagaland. This is also known as the Festival of Festivals, as it celebrates the beauty of nature and the importance of birds for the community. The festival lasts from the first to the tenth of December. Thousands of people come from across the world to attend the festival, which has become a cultural highlight.
The winter festival is undoubtedly a chance to experience Nagaland's diverse culture and traditions. Most of the major tribes of the region are represented during the festival, and they display their tribal crafts and dances.

4. Ziro festival:
If you are a music fanatic and love rock concerts, you must attend the Ziro festival, which is an outdoor music festival. Held every year in the Ziro valley of Arunachal Pradesh, it has a massive range of rock and pop bands performing yearly. Even if you are not fond of music, you can still enjoy the festival and see some exhilarating live performances.

5. Jaipur Literature Festival:
The Jaipur Literature Festival hosts some of the world's most talented writers and poets. The festival is organised by the Jaipur Literature Foundation, which aims to promote literary works and amplify their importance.
The festival has hosted nearly 2000 speakers and greeted over a million book lovers. It's not only a celebration of Indian literature but also a democratic platform for the development of global literature. As a non-profit organisation, it is non-aligned and offers fair access to all. Overall, it is a great multifaceted event with lectures, book discussions, and literary readings.

Locals and tourists alike have an insatiable appetite for winter celebrations. As a result of its mystique and splendour, thousands of people travel long distances to attend these festivals every year. However, mishaps are always possible with such a huge number of people. Thus, contacting a reputable general insurance company would be best to get a suitable insurance policy for your trip's safety.

Click HERE to buy insurance from the most trusted general insurance company.

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.

Due to its inherent beauty and opulent appeal, marble has long been the preferred material for flooring in custom houses and structures. Although there are now more flooring options than ever, marble continues to rule as the king of expensive flooring.

The majority of people are familiar with marble as a material. Still, many are unaware of its characteristics or how it may be used for customised floors. The beauty and allure of marble have solidified its position as the preferred flooring for upscale residences, hotels, and even some companies.

*Pro-tip
Home insurance India is a comprehensive policy that covers losses against private residences. Buy a comprehensive home insurance India policy and protect your home and its structures from losses due to accidents or mishaps like theft.

Here are some benefits of marble flooring:

Since ancient times, marble has been used as flooring. Although marble flooring has many advantages, its timeless appeal speaks volumes about its excellence.

1. Natural grace:
Marble is frequently utilised to give rooms a classy, opulent natural appearance. The patterns present in tiles give each piece a unique appearance. A floor that will elevate your space has a bespoke appearance combined with an original installation and design.

2. Greater durability:
With marble flooring, you can stop worrying about dirt. These floorings are robust and unmarred by scratches. The marble flooring is tough for all types of damage because it can resist practically anything you throw at it.

3. Home value growth:
You probably consider how marble flooring will enhance the appearance and functionality of your home whenever you undertake one. However, you might also consider how it might raise your house's worth. Your home is a significant investment, so whenever improvements you make, you want to be sure that you will eventually recoup your costs. Marble floors can assure you of this.

4. Simple to clean:
Marble floors are resistant to liquids and other chemicals as long as their seal is properly maintained. You can easily clean the marble surface if it gets dirty or wet. Irrespective of the shade, you can remove dirt and dust reflecting from the shiny surface of the marble.

5. Using elegant finishes:
Whether in a vast doorway or a small restroom, the flooring provides a polished glow that brightens the light and makes the place grand. Most homeowners adore the elegance that marble can add to a home.

6. Reducing allergies:
Marble flooring is ideal if you or anyone in your home has allergies. It's warm enough for barefoot use yet doesn't attract dust, pet dander, or pollen. When the dust first appears, you can easily spot and clean it.

7. A wide variety of colours:
The word "natural" doesn't limit your selections regarding the advantages of marble flooring. There is a huge variety of hues and patterns for marble floors. You can decide on a particular type of flooring and then plan the rest of the space around it.

8. Outstanding heat conduction:
Although marble floors are meant to be cold, this is not always the case. Due to its excellent thermal conductivity, marble is a fantastic material for radiant-heated homes. Even on the chilliest mornings, radiant in-floor heating combined with marble floors will keep you feeling cosy.

So, we are clear that marble flooring provides your property with a traditional, timeless appearance. It can make your home shine with the premium texture and feel of overall luxury. Do not forget to give your home reliable protection with the best home insurance India. Therefore, you must weigh the pros and downsides before making a purchase.

Click HERE to buy home 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.

You have arrived at the airport and are excited about your holiday. But for some reason, your flight is delayed. Maddening! Right? You begin to feel irritated as all the thrill starts disappearing. You have no idea how to pass the time at the airport. Even the noise and chaos further grow your disappointment.

Fortunately, there are lots of activities you can do to occupy yourself while waiting for the airplane to take off. You will notice that an airport is a sizable facility with various entertainment options. Therefore, before you get to your destination, wait patiently, and tour the airport's many areas. Put yourself in "vacation mode" and leave the bustling world behind.

Here are a few things you can do in airports to pass the time as you wait for your flight.

1. Display your photography prowess:
If you enjoy taking pictures, the airport offers interesting opportunities to capture props, aircraft, artwork, and architectural structures. You can even take candid pictures and make portraits of the individuals nearby. Start by putting your hesitation aside and enjoy yourself as you take amazing images and start making beautiful memories right from the start of your trip. However, be cautious, as photography is prohibited at some locations at the airport.

2. Browse the kiosks or shop at duty-free:
The duty-free shops at the airport have some incredibly affordable offers. You name it: clothing, alcohol, and chocolates! Even though some stores are pricey, you may pass the time by browsing various goods if you have no other choice. It's an excellent strategy to stay active and finish any unfinished tasks.

3. Use the free Wi-Fi:
Suppose you are not interested in moving around. Still, we have a fix for you! Worldwide, free Wi-Fi is available in most airports. Your favourite web series is available for viewing after turning on your Wi-Fi. There are free things in life sometimes! But don't use a public Wi-Fi network to access your bank accounts or anything private.

4. Talk to others:
People from many places are seated together in an airport like a miniature world. Additionally, it's a great place to meet new people and mingle. Avoid just bursting into people. Talk to them and find out about their country and neighbourhood. You must always be open to making new friends on the go!

5. Observe:
Suppose you don't like engaging with others. You can just watch them; there won't be any interaction or information. The airport is the perfect place full of travellers from all parts of the world. If you are an artist, noticing things can help you write or copy articles.

6. Read a book:
The best way to enjoy your company and kill time at the airport is to pick your favourite book and engross yourself in reading. There can't be any better experience than involving a substance that entices and refreshes you by just turning pages.

7. Sleep off:
If none of the choices appeals, you may take a nap and rest for a while. Pick a seat in a corner or access the lounge if you can, turn on your favourite music, and set the alarm for a quick nap.

If you're stuck in an airport, we hope these solutions will be helpful. But be aware of the updated details of your flight and stay alert on the announcements. Also, check your luggage in case you are waiting for a long time. It is advised that you purchase travel insurance to protect your trip. The travel protection under the general insurance India policy covers unexpected events like a delayed flight, missing checked baggage, and more.

Suppose your general insurance India plan includes luggage insurance. In that case, your insurer may be able to reimburse you, up to the limit specified on the confirmation of coverage, for covered loss, theft, or damage to your baggage and personal belongings.

Click HERE to buy the best general insurance India plan to make your travel hassle-free.

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 house is a significant milestone in most people’s lives. It is not just an investment but also a status symbol that displays your wealth. In India, purchasing a home is seen as an achievement that most young adults wish to fulfil to get stable in their lives. However, there are several risks to consider before making this purchase. Since it is a high-value investment, you must be prepared to protect it against mishaps. There is a constant threat to your home due to natural calamities, break-ins, or third-party damages, to name a few.

A home security system installation not only secures your home from multiple threats, it also gives those with a pre-installed security system an advantage. Since the chances of damage are relatively lower for secure homes, your home insurance claims are proportionately lower. Therefore, you must consider purchasing a well-suited home security system irrespective of the cost.

This blog discusses some factors to consider the best home security system to protect it from potential threats.

1. Assess entry and exit points:
While you cannot prevent uncontrollable events like natural disasters, it is possible to monitor your home for suspicious activities around your home. Thoroughly assess the layout of your house and identify entry points. Ensure that a sensor is attached to every door or window, or install cameras nearby that can capture the entire view.

2. Technologically integrated devices:
Once you secure your entry locations, all that is left is to secure the inside of the house. Several single-purpose tools like smoke and carbon monoxide detectors, fuel gas sensors, and accessories like remote monitors and controllers allow you to control your home remotely. Through these, you can detect issues at the earliest and handle the situation before it gets out of hand and call the required authorities if needed.

3. External monitoring devices:
Keeping a monitoring device like a camera facing outside with a live feed is a method to keep intruders away. While this may be expensive, it guarantees that everything is safe at your home. The same can be applied to cameras inside the house, but since it can violate your privacy, we recommend limiting it to personal supervision. Ensure that your cameras are placed at a well-lit location and cover all entry points and any external attached area like garden space or shared spaces with neighbours.

4. Emergency buttons:
You need a handy emergency or panic button in case there is an escalation that requires the intervention of emergency services. These devices are designed to immediately call for emergency service providers by clicking the button. Ensure that they are placed at a height that kids cannot reach but are accessible easily in an emergency.

Home security systems are crucial features in keeping your home safe. With the increasing risk and crime rates, its requirement is only increasing. While it is an excellent addition, it should be coupled with a comprehensive home insurance policy to keep your home safe and cover any incidental costs incurred. If you wish to buy home insurance online India, the process is simplified to take minimal time and maximum benefit.

Click HERE to buy home insurance online India.

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

The train rides offer you to experience India's great culture and heritage as you cross stations and states. The Indian Railways has always been working at the forefront to bring the best of incredible India to citizens and visitors by connecting the nation's glory and heritage landmarks. And all this is achieved with the strong network of railways, which is indeed the lifeline of India. The Railways operates special heritage trains and tours to bring people and experiences together.

Among the excitement and thrill of heritage train riding that you may undertake soon, let's not forget the importance of insurance. As an individual, you never know when uncertainties can kick in, so better always to stay prepared! And general insurance is the best and safest way to make your experience less stressful and more enjoyable, knowing that your travel is safeguarded by reliable insurance coverage.

Here are a few top heritage trains in India that one shouldn't miss.

1. Darjeeling Himalayan Railway (DHR):
One of India's best-known and most popular trains is the toy train, which runs between New Jalpaiguri and Darjeeling. The journey takes you through hills and dense forests, with views of Mt. Kanchenjunga on clear days. The Darjeeling Himalayan Railways (DHR) toy train trip is akin to a soothing lullaby in the middle of a fantastical environment.
A cheerful train ride over the foggy lines from Darjeeling to New Jalpaiguri would undoubtedly restore the romance in a person. If you didn't already know, UNESCO designated and recognised this Toy Train as a World Heritage Site on December 5, 1999.

2. Deccan Odyssey:
Modelled after the royal carriages of ancient India, the iconic and luxurious Deccan Odyssey offers top-of-the-line amenities and services. It features a library, Ayurvedic massage centre, beauty salon, gym, business centre, and a conference room.
A Deccan Odyssey train journey is a wonderful way to learn more about the ancient folklore of civilisations and the reigns of dynasties that made their remarkable imprint in India's history. It offers comfortable and spacious cabins, dining and sightseeing facilities. You'll stop at cities such as Mumbai, Badami, Hospet, Bijapur and Hyderabad. Upon arrival in each of these destinations, you'll have a chance to explore the places.

3. Golden Chariot:
The Golden Chariot is a luxury train that offers its passengers the best immersive experience of South India. It features a lounge bar, LCD television, DVD player, Wi-Fi, and central air conditioning. It also features a variety of therapeutic massages onboard. From the cultural extravaganza of Karnataka and Tamil Nadu to the adventure hotspots of Goa, Golden Chariot travels down the enchanting routes of Southern India. The cabins reflect the rich heritage of the erstwhile Dravidian era and are furnished in a modern manner. Don't miss the opportunity to witness cultural and heritage magnificence with the taste of luxury with the Golden Chariot.

4. Ramayana Express:
Under the excellent initiative of "Dekho Apna Desh" of the Indian government, the Ramayana Express is not just a train but a treasure trove of knowledge and heartful experiences that will take you back to the mythological era.
This divine train originates from Delhi Safdarjung and covers all the major destinations related to Ramayan and Lord Rama, like Varanasi, Nasik, Chitrakoot, Rameswaram, and more. The entire tour duration is 17 days, and it is a fantastic opportunity to discover more about the colourful culture and the influence of the many miracles of Ramayana.

Heritage trains in India are not just tourist attractions but also an immersive way to experience the history and culture of the region. Though many of these trains have undergone changes over the years for the safety of travellers and technical advancements, they still maintain the charm and nostalgic feel of bygone eras. Still, for your safety and assurance, you may always opt for general insurance as a backup to cover your finances in case any damages are incurred during your trip.

Click HERE to buy general insurance to make your travel safer than the rest.

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 “work-from-home” culture has gained prominence in India since the beginning of Covid-19 in 2020. Now, this culture is picking up pace, and many companies are urging their employees to work from home, knowing its advantages for both employers and employees. However, there are endless distractions at home in the form of answering doorbells, chaos due to daily household chores, and the absence of a proper working environment. Kids can also take up much of your time at home and distract you from your important office work.

So, how can you set up your personal workspace at your home amidst all these problems? Here is a guide to help you design your “work-from-home” office with minimal distractions and more productivity.

1. Create a separate corner:
Create a separate corner for yourself at home for your personal workspace. It can be a separate room, if available, a corner of a room, or any other space that can be distraction-free. Do not hesitate to tell everyone in the household that this is your personal area for office work, and no one should encroach upon it, especially when you are busy.
Try to put a partition in your working area, such as a glass door, as it will help you keep it noise-free. Other house members will think twice before entering it while you are working, and you can concentrate on your work.

2. Whiteboard / Pin-up area:
Get a whiteboard or a pinboard that you can hang on a wall in your working area. Develop the habit of regularly making a to-do list and jotting down small notes. You can note down what you intend to do the entire day. Setting up small goals inspires you to work harder and achieve them. Also, by doing this, you will never miss any task or forget important things.

3. Make your work-area aesthetic:
Make your workspace at home aesthetic. Get the area painted with vibrant and bright colours that appeal to your senses and help you stay jovial. Decorate the area with small and beautiful showpieces. Make sure your space is well-lit and properly ventilated to give you a fresh feeling throughout the day. All this will help you stay active, sharp, and in a joyous mood, and you can concentrate more on your work.

4. Get a good ergonomic chair:
Working from home can mean sitting in one place for long hours at a stretch. Also, the chair present at your house will most probably not be suitable for work. Go and buy an ergonomic chair that can support your natural posture and help you to reduce the strain on your lower back. Get a good desk along with a chair. A good sitting setup can greatly help increase your productivity and motivation levels.

5. Buy the necessary equipment:
If you intend to create a “work-from-home” office and use it for a long time, you will have to invest in good technological equipment. This may require a high-speed wi-fi network, a good professional laptop, a printer, etc. Also, place shelves and drawers that you will need for keeping your necessary files, folders, and papers. This will make you more organised, oriented, and focused.

Creating a “work-from-home” office at home may appear to be challenging, but it is more fun to do if managed correctly. You need to dedicate your complete focus and concentration to your work. Hence, each family member should cooperate fully and not disturb you while working.

You must secure a separate space at home for your work if you want to continue it for a long time. A home is where you spend most of your time and make memories. While making your home a dedicated workspace, it is also crucial to plan and invest in its safety. Purchase reliable home insurance to protect it against any possible mishap or damage caused by fire, theft, and even natural calamities.

Click HERE to buy the best home insurance to safeguard your valuable asset.

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.

Side hustles are the new rage that has taken over the world in recent years. Irrespective of one's age, many resources on the internet can guide you to finding the perfect side income generator. There's an idea for everyone, from remote online jobs to small-scale dropshipping businesses. And all this depends on the investment you wish to make and the time available.

Suppose you are intrigued by putting in a few hours of work from your schedule into a business that does not require much capital and involves engaging with young children. In that case, a babysitting business may be what you're looking for. While specialised businesses provide similar services, you can even run it from home, catering to your neighbourhood clients.

All you will need is some basic know-how about babysitting and a secure home covered by the best home insurance policy in India. Insurance is important to safeguard your most valuable asset from uninvited circumstances.

Here are some tips to kickstart your babysitting business from home.

1. Is babysitting a viable business?
The first thing you must consider before starting any business is the expected returns. A babysitting business based out of your home is akin to a profit-making machine from inception. Your client base would be limited to your locality, and you can save on the most significant expense of renting a space for business.
Since it is a home-run business, you can decide on the specific services provided with minimum cost, making it a profitable business. Based on your services and client reach, you can expand your business quickly by following our tips.

2. Spread the word:
We live in a world where purchases are primarily affected by customer reviews. Therefore, making your brand known and getting the first few clients is essential. The first step to starting your babysitting business is to create an advertisement that looks similar to a resume.
Its primary purpose is to build trust and inform potential clients of the services offered. Pick out timings and offerings that are customer-focused which entice the people to enquire about your business. The key to scaling a home business is to create awareness and hype about it.

3. Precisely describe your services:
Be very specific when providing details regarding your services. Ensure that you specify the age groups you cater to, what timings you babysit for, and every service you intend to deliver. This could include pick-ups and drops, meal provisions, or extra academic attention to older kids. Also, state the exact pricing per hour to avoid confusion.

4. Get additional training:
While certifications are not necessary for babysitters in India, a professional certificate of approval works wonders in building trust, authenticity, and credibility. There is no official comprehensive course you can get to make you better at the job. Look for short-term classes on child development, medical training, and other relevant studies that can help your business.

Finally, get your house ready…
Babysitting is a job that requires excellent trust from parents in their chosen babysitter. Even when babysitters volunteer to provide their services at the client's home, a thorough interview and background check is conducted on potential service providers. Expect the same for your business. Encourage interested parents to check out your place of operations for reassurance while showcasing your confidence.

Before you fix a date:
1. Ensure that you have made all the necessary arrangements.
2. Keep your home tidy and safe for kids of all ages.
3. Have some engaging toys on display and recreate the general atmosphere of a daycare business that is exciting and safe for kids. You should also consider purchasing the best home insurance policy in India since your home is no longer just a residence but also a fully functioning business.

Following these essential tips, you can start your babysitting business from home and eventually cater to a more extensive clientele!

Click HERE to buy the best home insurance 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.

India is a diverse country with rich history, culture, and traditions, making it a worthy place for tourists. The tourism industry of India has been booming in the last couple of years and is marking a strong comeback post-pandemic. People from far and wide are visiting the country to witness its beauty, elegance, and charm. From the grand Taj to the charming little town of Darjeeling, India receives immense tourism every year.

The travel sector in India is upgrading itself to satisfy the changing requirements and interests of travellers. One such emerging aspect is ecotourism. Ecotourism is one of the growing segments of tourism in India. If you want to know more about ecotourism, this article is for you.

When embarking on an ecotourism journey, ensure that you prioritise your safety. And you can achieve this by purchasing online general insurance to add a safety net to your travel.

What is Ecotourism?
The main objective of ecotourism is to focus on mother nature and promote the ecosystem's sustainability. It facilitates a healthy relationship with nature and its elements to ensure that tourists spend more time preserving the environment. It promotes sustainable activities that are mostly outdoor and prohibits any action that can harm the environment.

Why is Ecotourism gaining pace in India?
India has a diverse variety of flora and fauna and is home to several zoological parks, wildlife sanctuaries, national parks, biological reserves, and botanical gardens. The country has been able to save its natural beauty till now.

With ecotourism, it aims to do it further by maintaining and promoting sustainable activities not only in wildlife sanctuaries but also in high mountains, and lush green valleys.

What are the advantages of Ecotourism?
In a naturally rich country like India, ecotourism is an ever-growing tourism segment. It also encourages plenty of other natural initiatives that contribute to the well-being of the ecosystem. The several advantages of eco-tourism are:

● The sole preservation of flora and fauna

● It generates awareness about the tribal communities and brings them into the limelight

● It is a significant platform for raising awareness about social and environmental issues in a particular area

● It is a great field for generating revenues. The revenues earned here can be utilised in the development of the country

● The remote and lesser-known areas of the country are developed under eco-tourism

● Tourists are made familiar with the diverse species of flora and fauna thriving in the country

● Tourists spend more time outdoors with nature and communities

● It develops a loving relationship with nature

Ecotourism is gaining momentum rather quickly in India. In the coming years, you can expect it to emerge as a pivotal activity that preserves the heritage and maintains sustainable tourism at local destinations. If you're a nature lover or love exploring the unknown, then ecotourism will greatly benefit you. You can undertake many activities, including trekking, camping, cycling, hiking, bird watching, wildlife photography, and farm stays, among others, to feel one step closer to nature's unmatched beauty!

You must understand that safety is paramount regardless of the destination you go to for your next ecotourism vacation in India. You can achieve this by investing in an online general insurance plan that caters to all your travel safety needs.

Click HERE to buy an online general insurance policy.

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

veryone enjoys travelling and exploring new places, both domestic and overseas. You may be an occasional or frequent traveller; however, irrespective of your travel frequency, it is crucial to get travel insurance to enjoy your trip and put your mind at ease.

Choosing which travel insurance to purchase is never easy for anyone planning a trip overseas. While some travellers prefer purchasing single-trip coverage, others favour purchasing a multi-trip annual protection policy. Generally, those who travel abroad for extended periods (more than 90 days) and those who aren't likely to do so more than once a year should opt for a single-trip policy.

On the other hand, the yearly policy is intended for those who visit foreign countries more than once each year or plan frequent trips within the country. Inconveniences to your travel plans, such as flight delays, trip cancellations, and medical crises, are, nevertheless, covered by these travel protection policies.

Selecting appropriate travel insurance can be tricky for you. Here's how to pick a suitable policy to get the best benefits for your travel needs.

What is the difference between a single trip and a multi-trip travel insurance policy?
The single-trip travel insurance policy offers financial protection against exigencies for only one trip, whether it is domestic or international. This plan provides coverage for only up to 180 days. You can buy this travel insurance for multiple destinations by considering it a single trip. The validity of this plan begins once you board a flight to leave your home country and ends when you return to your home country or when the policy period ends. You can buy general insurance online with different duration of coverage according to your travel needs.

Ask the insurer about the single-trip policy's coverage duration and the benefits you might get. Generally, single-trip travel insurance provides financial support for passport loss, robbery or baggage loss, home burglary protection, hospitalisation expenses, flight delays, and loss of travel documents and personal items.

On the other hand, multi-trip travel insurance plans offer coverage for a specified period, usually for a year. This travel insurance policy provides money to support multiple trips you make under the same plan. It offers coverage for the loss of a passport, emergency medical expenses, and trip cancellation. However, some policies have different coverage periods varying from 30 to 70 days.

What to consider when buying a travel insurance policy?
Both travel insurance policies have similar coverage but differ in duration. It would be best if you chose a general insurance policy depending on the number of trips you want to take in a year. Moreover, consider some factors, like where you go on your trip. Some insurance companies offer separate coverage for some countries and exclude others.

Also, consider what you are going to do abroad. If you do activities like snorkelling or playing football, you will need a particular type of cover. Your travel insurance should also consider your pre-existing medical condition to get coverage for all medical emergencies.

You should also consider the cancellation coverage in your travel insurance plan. It helps you pay for the pre-paid cost of your trip. Consider if the plan offers coverage for lost bags, personal items, and other possessions by your airline. It is crucial to note all the factors before finalising which travel insurance to purchase.

*Pro-tip
Buy general insurance online as it will help you efficiently deal with the duration of the vacation, medical expenses, insurance plan exclusions, period and limits, and trip cancellations to get all-around coverage for your next trip.

When you invest in a travel insurance policy, you have 14 days to ensure that the policy purchased is the right one. Do your best research, compare different options online, and then make the final purchase.

Click HERE to buy general insurance online.

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

Be it the snow-capped mountains in the North or the golden sands of the Sahara in the West, India promises something for everybody and provides a wide variety of landscapes, flora and fauna. The country also hosts a wide array of activities like paragliding, surfing, trekking etc., to adventure seekers. However, in this article, we will discuss one of the lesser talked about activities, which is bird watching.

Bird watching is not just limited to spotting birds. It also gives you a better opportunity to explore nature, trees and other aspects of nature. Over the past years, owing to the growing number of endangered bird species, India has dedicated various sanctuaries for birds. These sanctuaries host a mixture of domestic and migratory birds.

Bird watching demands patience and perseverance, but the result is rewarding and exhilarating. Bird watching tours can be an excellent way to enjoy your vacations while indulging in new knowledge activities.

Let’s look at a few places in India that promise an impeccable bird watching experience.

1. Rann of Kutch, Gujarat:
Rann of Kutch sees about 300 different species of birds around the year. It is one of the largest breeding grounds for the Lesser Flamingo. Thousands of flamingos are seen flying together, making the skies a beautiful shade of pink. Short-eared owl, Syke’s lark, Greater Flamingo, Great White Pelican are just a few of the many birds that you will spot here.

2. Keoladeo national park, Rajasthan:
The Keoladeo national park is India’s most famous bird-watching site. It is located in the Bharatpur bird sanctuary and is declared a UNESCO World Heritage Site. The small area of about 29 sq km is the feeding ground for over 400 different bird species. The wetlands have naturally formed earthen mounts to provide perching spots for birds to feed on fish and other aquatic species. The best time to visit is between December and February when migratory birds visit the sanctuary.

3. Kaziranga national park, Assam:
Famously known for its one-horned rhinoceros, Kaziranga also hosts various species of birds. Kaziranga is famous for its unmatched ecological importance. The Brahmaputra flows alongside the area making the river basin a basis for all life in the region. It has also been identified as IBA or Important Bird Area as it hosts a multitude of birds such as Jerdon’s Babbler, Black-breasted Parrotbill, Cinnamon Bittern etc.

4. Nainital, Uttarakhand:
In the Kumaon region of West Central Himalayas, one can see a wide range of different flora and fauna. Nainital is home to over 250 Himalayan bird species. The best time to visit is anywhere between November to May. Few species one can spot in Nainital are Chestnut-headed Laughingthrush, Cheer Pheasant, Greater Yellownape, etc. You can experience several walking trails for bird watching here.

5. Chilika Lake, Odisha:
Chilika bird sanctuary in Odisha is one of the most extensive winter grounds for migratory birds. It hosts some of the unique species, such as Purple Moorhen. It also hosts one of the largest breeding grounds for flamingos. The best time to visit is between October to March.

These are a few of the many opportunities you can consider to enjoy bird watching for your next vacation. As mentioned above, bird watching can seem like a tedious exercise, but the results are mesmerising. Keep in mind that you must always carry food, water, and first aid while going birding, as most of these spots are inside jungles or above hills.

Traversing through these terrains might present itself with certain challenges as well. Another essential thing to consider is to invest in general insurance plans before planning to travel. General insurance is sure to add value to your experience while also acting as a safety net for any unforeseen expenses you might face during your trip.

Click HERE to know more about general insurance 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.

Owning a house is a lifelong dream for most, but it comes with its own set of challenges. Analysing the market, arranging the funds, making remodelling decisions and getting house insurance takes a lot of time and research. However, renting a house is no picnic either.

Looking for the perfect house, checking out the neighbourhood, ensuring safety, inspecting the amenities, budget, shifting, agreements, meeting the landlord, etc., are significant factors that need to be considered before making a final decision.

Whether you are a homeowner or renter, you need to get insurance. Owner's and renter's insurance have different terms and conditions, and the policies are structured accordingly.

Are you confused between the two and find it challenging to figure out their differences? Let's understand the difference between the policy of homeowners and renters with specific pointers to help you find a suitable policy for you.

1. Coverage:
While homeowner's insurance covers the building, garage and other structural amenities, the renter's insurance covers your personal belongings and property. The landlord is supposed to have insurance cover for the building.

2. Coverage cost:
The homeowner's insurance covers the cost of your home in case of a complete loss. Additionally, it also covers personal property like jewellery, appliances, apparel, etc., that gets damaged or becomes completely irretrievable due to the circumstances. On the other hand, renter's insurance only covers the replacement cost for your lost or stolen possessions on the property. It does not cover any damaged or destroyed possessions.

3. Price:
Given the coverage, it is understandable that renter's insurance is cheaper than homeowner’s. This varies due to the renter's insurance's limited scope as compared to the homeowner's.

4. Factors that are considered:
The factors that decide the price of the homeowner's policy include the type of property, the amount of personal property you need coverage for, location, etc.
For renter's insurance, the amount of personal property coverage and the area you live in are considered essential factors determining the price.

5. Other liabilities:
Homeowner's insurance incorporates personal liability coverage. This covers the legal fees if someone gets injured on your property. The homeowner's and renter's insurance cover living expenses if you need alternative accommodation solutions due to house damage, disasters, fire, etc. If you or someone else gets injured in your home, your insurance will cover their medical expenses too.

6. Which one do you need:
Renters need to verify that they get renters insurance, medical coverage and a personal liability policy. Several homeowners take renters insurance to avoid further hassle and disputes about financial loss.

In the case of renting out your property, you need to ensure that the homeowner's insurance has adequate coverage and doesn't lead to any confusion or disputes. You can always check with your insurance agent before renting out your property, whether it's a small space or a lavish villa.

Insuring your home is paramount. Never skip on the benefits that home insurances offer. Browse through different plans and purchase the best house insurance India. Make a smart investment, and rest assured.

Click HERE to know more about house 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.

Travelling is the best way to explore new places and experience things you've never tried before. But often, when it comes to female travellers, it is restricted due to safety reasons. It is understandable how security is a concern for women but don't let it get in the way of your explorations.

The finest places to visit aren't always the most travelled or popular ones. Hence, we have listed some of the loveliest destinations to visit alone or with your girl gang!

1. Bali:
Bali is one of the most amazing locations for female travellers. Besides cultural tours, it is also a great destination to enjoy a beach vacation. The town's laid-back and tranquil ambience makes it safe for single female travellers. The region has a terrific atmosphere that allows you to reconnect with your inner self.

2. Hong Kong:
Regarded as one of the cities with the least crime rates globally, Hong Kong is a must-see destination for all tourists. It has reasonably priced lodging, which is a perk. The city also has one of the quickest modes of transportation, making it a travel-friendly location for solo female travellers in every manner.

3. Meghalaya:
Meghalaya gains fame from its natural splendour, but what distinguishes this state is how smoothly the matrilineal system runs here. Meghalaya treats its ladies with great respect. Not only do you feel protected in this Northeastern state, but you also get to view society from a new perspective.

4. Melbourne:
Melbourne is a secure city for women and one of the trendiest destinations to visit globally. The great cafe culture of the city makes it an attractive choice for cheerful summer holidays. This could be a perfect place for your all-girls vacation since it gives you access to luxury, peace and fun altogether.

5. Switzerland:
It's safe, gorgeous, and full of options for female travellers. Switzerland's attractions include its beautiful mountains and picturesque magnificence. The core of Switzerland is seeing the big cities and observing the cultural fusion.

6. New Zealand:
New Zealand is a beautiful island country scattered in the Pacific Ocean and one of the most fabulous destinations for women to visit alone. Its pride and glory is its stunning terrain, adorned with spectacular beaches and volcanic gems. New Zealand is a piece of heaven on Earth and one of the most fantastic places for single female vacations.

One should never face curtailment in experiencing the different cultures and people worldwide. We hope this article helps you choose the destination for your next trip with your girl gang.

But remember, wherever you travel in the world, your safety and security are in your hands. Always take the necessary precautions and carry travel insurance to cover damages to luggage, theft and other concerns that you might face while travelling. You can check the general insurance online quote from different insurance companies for competitive premiums and additional features. It is crucial for women travelling solo to protect their trip with full travel insurance to stay safe.

Click HERE to get general insurance online quote

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.

Maintaining commercial vehicles like trucks, carriers, tempos, cars, etc., can be challenging at times, but it is common knowledge that regular maintenance ensures a longer lifetime of vehicles. And missing out on these services will result in expensive repair works that can put a load on your pocket.

Hence a wise option is to follow a regular maintenance regime for your vehicle and invest in motor insurance that provides several benefits while also helping you stay on a budget.

Today, we'll look at ways to ensure your commercial vehicles stay in their best shape.

1. Keep a vehicle checklist:
Since various drivers use and drive commercial vehicles, maintaining a checklist is a good idea. This will ensure that each driver is reminded to check fuel levels, tyre pressure, brake systems, and batteries before making a trip. After the initial check is done, they will know all the shortcomings and fix them before departure.

2. Change engine oil:
Since the oil in heavy commercial vehicles can be spoiled by dust and small dirt particles, it is advisable to change it regularly. Polluted oil can affect the optimal functionality of vehicles and cause various issues during the trip that will be expensive to fix. The oil filters should also be changed frequently to avoid an accumulation of dust and other residues.

3. Engine maintenance:
Excessive smoke, decreased power, and loss of oil pressure are a few indicators of engine failure. Ensure that the engine goes through professional checks to identify any additional defects. These procedures involve exhaust temperature, monitoring engine cooling, and boost pressure.

4. Inspect tyre pressure:
For the maximum value of tyres, keeping a check on the tyre pressure is non-negotiable. Commercial vehicles do not stick to one kind of road. They traverse various terrains to cover long distances and undertake multiple business operations. Inspecting the tyre pressure is the best way to increase the life of tyres. Another way of ensuring better health is by rotating the tyres before they wear out.

5. Keep the vehicles in the shade:
Keeping commercial vehicles away from the harsh climatic conditions when they're not under operation helps maintain their shape for extended periods. If garages and sheds are not an option, you can opt for vehicle covers. They also help in keeping the chassis of the vehicle clean.

6. Train the drivers:
Training the drivers in performing minor repair works can help you reduce maintenance costs in the long run. Conducting drills on maintaining the vehicle and dealing with emergencies as a team can help them understand basic procedures and share ideas and tricks.

Compensating your drivers for putting in extra work, providing health insurance, and good living quarters is an excellent way to ensure that the drivers are well-rested and taken care of. This way, they are less likely to cause accidents.

These were a few ways to ensure the better health of your commercial vehicles. Owning a business that includes commercial vehicles comes with its own set of challenges, but regular upkeep and servicing can ensure reduced cost and investment in the long run.

Do not forget to invest in motor insurance, as it will add value to your service by providing a safety net against all expenses in an unprecedented situation such as accidents or machine failure.

Click HERE to know more about motor 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.

Every homeowner must invest in home insurance to rely upon in case of unforeseen events. It secures not only your house and its belongings but also the residents. Whether it is due to weather-related damages, unforeseen break-ins and theft, or unfortunate fires, a reliable home insurance plan can efficiently help you through these challenges.

The percentage of homes insured in India remains significantly low at a mere 1% compared to the U.K, U.S, Australia, and France, which stand at 97%. Indians still need to realise the importance of home insurance and its benefits in securing lives and properties.

While it is vital to invest in the best home insurance plan, knowing if it covers all your requirements is equally essential.

Let's look at the most common home insurance claims that homeowners usually make.

1. Fire inside the house:
Some of India's most common home insurance claims are registered for unforeseen fires. A fire can take place anywhere, anytime. Overheating of appliances in the summer heat and sparking of electric wires due to poor insulation are often the sources of fires inside the house. The interiors of a home are filled with various materials, like wood, that can quickly catch fire. These fires can be controllable only if detected in time. But, if not, they can cause irreversible damage.

2. Fire on the home property:
While fires inside the home can cause significant damage, fires on the entire residential property can be disastrous. Fires caused by gas leakages, water leakages into electric circuits, short circuits, etc., can threaten the whole structure of the house. Homeowners' losses due to these fires are overwhelming and are commonly filed as home insurance claims.

3. Break-ins and theft:
Break-ins and theft have become a common occurrence that several people nationwide complain about. Even with the most advanced, complex, and dependable security systems, thieves break in and steal valuables in the wee hours of the night. Troubled homeowners frequently seek insurance claims concerning the damages caused by these break-ins in their property.

4. Landslides and Flooding:
Many states in India face natural disasters such as landslides and flooding. These natural tragedies are another common reason for filing a home insurance claim. While the coastal areas face annual flooding, the hilly regions of the country witness frequent landslides during monsoons or deforestation. These natural disasters cause heavy damage to the properties. In such cases, home insurance plans can help manage the recovery of financial losses.

5. Man-made disasters:
While natural catastrophes cause enough property damage, human negligence can cause just as much damage. Failure of homeowners or the people living around them can threaten the home or property. Water leakage, using low-quality products, improper care of the property can destroy not only your own home but also of your neighbours.

The above are the most common home insurance claims filed by homeowners. Sudden natural or man-made events can cause significant damage to your home and life. While we can be as cautious as possible, there are unforeseen events that we cannot escape.

Investing in home insurance India secures your future from unpredictable events that can cause severe damage and losses. Stay free from the monetary stress and add value to your priceless possessions with the safety net of the proper insurance to receive good returns on your investment!

Click HERE to buy reliable home 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.

Nobody likes to anticipate any worst-case scenario, but we still prepare for them. However, people investing in home insurance in India are as low as 1%. This shows the lack of awareness about the importance of home insurance which makes Indians highly susceptible to financial and property losses that take years to recover. Every individual who wants to secure the future of their family and property must invest or buy home insurance.

Once you buy home insurance, you can recover from household losses more efficiently. However, purchasing a reliable insurance policy is not enough. It is crucial to abide by the strict regulations involved in your home insurance. Every individual must follow the entire list of dos and don'ts of the insurance policy.

To avail the benefits of your home insurance successfully, you must know some of the critical points that can nullify your home insurance.

1. Renting your home:
While you may think you have the complete liberty to rent out your home, this could jeopardise your insurance policy. Several home insurance companies reject the idea of insuring a shared house. Renting out your home or registering it as a homestay on hotel booking sites can become a risk as insurance companies look at it as sharing your property with someone you don't know well. They might consider this threatening enough to cancel your insurance plan altogether.

2. Exaggerating the value of your home:
If you exaggerate or overestimate the value of your home, it can lead to the cancellation of your home insurance plan. Insurers always cross-check the details given by the homeowner and verify them. To help this, you can show an inventory of all the things you own and their actual monetary and market value. It is good to save receipts of appliances, furnishings, etc., to provide evidence.

3. Practising illegal activities:
Illegal activities like the consumption or sale of narcotics can be grounds to cancel your home insurance policy. No company wants to deal with individuals going against the law. Insurance companies provide policies based on the homeowner's character. Practising illegal activities can be a solid red flag. They may nullify your home insurance policy on the grounds of suspicion. Filing fraudulent claims to gain funds from the insurance company is another illegal activity to steer clear of.

4. Long periods of absence:
If you plan to be absent from home for an extended period, you must check the insurance policy's requirements before you leave. Home insurance policies usually have terms for how frequently they need an adult individual to check on the house's conditions. You must request a trusted individual to check on the condition of your home as per the required intervals. This helps verify that the house is protected against any unknown damage, break-ins, or theft. Contact your insurance company before leaving for an extended period to avoid confusion.

Although most Indians are aware of the dangers of earthquakes, natural calamities and other security threats for their homes, they still do not buy home insurance. You may choose an insurance company to buy home insurance online India that provides you financial security with the additional benefit of covering your insured belongings.

So, check the above set conditions and other guidelines of your insurance contract to avoid your policy getting cancelled.

Click HERE to buy home insurance online India.

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

While building your home or renovating your existing apartment, design, furniture, wallpapers, paints, etc., are just some of the many things you need to consider. However, one of the lesser talked about things is the house's flooring. Choosing a floor involves various factors such as climate, the people, pet and child friendly etc. Having an interior designer can significantly help you in selecting the right fit for you.

Sometimes, even the best flooring can show defects due to various climatic and other factors, and you might need to change your flooring after a while. This is when your insurer plays a significant role. Your insurance provider will take care of the extra expense that you have incurred in the process of revamping your floors due to the damage. Keeping these things in mind, opting for the best home insurance in India should be your first step to building your dream home.

Today, we will be looking at a complete guide that will help you choose the best floors for your home.

1. Lifestyle:
Depending on the lifestyle of your family members, your flooring preference will change. e.g., if you live with older people, you might want to look for floors that provide some friction and prevent the cold. Hence, choosing a floor that serves functionality and style is essential. If you are a pet parent, you might want to opt for textured floors to ensure that your pet’s joints and muscles remain in proper health.

2. Durability:
Quite literally, your house stands on your floor. Hence, it is essential to opt for durable floors. Paying a slightly higher price for quality material ensures that your floor stands the test of time and sustains all the pressure.

3. Weather conditions:
Weather conditions are the driving factors in flooring selection. You need to keep your house warm. It is wise to invest in wooden floors and add carpets to ensure your floor remains warm throughout. Marble flooring is a smart option for hot or warm places as it retains the cold temperature during the night and keeps your house cool.

4. Colour theme:
While we discuss the floors' functionality and cost-benefits, choosing a floor that goes well with your house's colour and the theme is also important. An interior designer can suggest the latest trends and flooring patterns that add value to the interiors of your house.

5. Maintenance:
Opting for fancy flooring and sticking to a theme is just the first step in ensuring the longevity of your floors. It is also essential to go for options that are easy to maintain. Floors such as quarry tile, carpet tile, epoxy flooring are all examples of durable yet low maintenance flooring. The only thing these floors require is daily sweeping and deep cleaning once a month. On the contrary, high maintenance flooring requires regular upkeep and intense cleaning to avoid discolouring and scratches.

The floor is what holds your room together, so choosing the right floor can make or break the look of your room. The above discussed are a few points that you can look out for before selecting the best flooring options for yourself.

Compare the prices in the market to make sure that you are getting the best quality products for your home. Another good option would be investing in the best home insurance in India to safeguard your home against unforeseen circumstances. Remember, your floor selection is about balancing your requirements with your style. Use the internet and look out for various brochures and more ideas online.

Click HERE to know about the best home 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.

Transportation and trading of commodities have never been more accessible than now. Taxis, tractors, cranes, transport trucks, and other motor vehicles have become standard trade methods in various industries. Often, these vehicles operate outside of the commercial space and are subject to many dangers on the road.

Business owners require commercial vehicle insurance coverage to handle these risks successfully. Owners can purchase insurance covering third-party and own-damage claims and get it renewed as and when needed.

Let's get a better understanding of commercial vehicle insurance in general.

What exactly is commercial vehicle insurance?
Commercial vehicle insurance policies protect owners whose vehicles are used for business purposes. There are a variety of vehicles covered under this policy, including delivery trucks, staff cars, food trucks, and more.
The motor insurance policy provides liability and accident coverage and helps you with the payment of damages and medical costs in case of accidents. It will also cover the towing costs if your vehicle breaks down in the middle of the road.
If you're looking for online motor insurance renewal for your commercial vehicle, you need to first ensure the types of vehicles covered by the policy. Additionally, you can cross-check various insurance companies for the best features and premiums. Online motor insurance renewal is beneficial, especially when you are in the midst of day-to-day business activities.

Types of vehicles covered by commercial insurance.

1. Vehicles that carry passengers:
It includes a variety of vehicles that typically carry passengers, such as cabs, rickshaws, school buses, and private buses. Passenger transport vehicles such as taxis and school buses bear a great deal of duty due to the high volume of passengers they transport regularly. Commercial vehicle insurance protects these vehicles from financial ruin in an accident and also protects the passengers they carry.

2. Vehicles for moving goods:
Goods-carrying vehicles are primarily used for transporting goods from one location to another. Because these vehicles are so enormous and loaded with goods, they pose a greater risk. Damages to a third-party car or one's own vehicle, as well as damage to commodities, are covered under commercial vehicle insurance. It all depends on the policy coverage; therefore, thoroughly read the terms of all the plans before making a final choice.

3. Miscellaneous & Special Vehicles:
Aside from trucks, taxis, buses, and cabs, numerous other vehicles are utilised for business or commercial purposes. Special vehicles for mining, farming, and construction, for example, could be among these vehicles. Insurance for commercial vehicles protects the vehicle from any damage or loss resulting from or caused to the vehicle.

Commercial vehicle insurance has many advantages:

• Commercial vehicle insurance can be deducted as a business cost from your income tax.

• Travel agencies, automobile rental services, and other businesses can buy this insurance plan in bulk. This simplifies the procedure while allowing for a cheaper premium rate.

• It covers any losses caused by unexpected events like theft, fire, vandalism, terrorist attacks, and natural calamities.

• It provides additional rewards in the event of a death resulting from an accident.

• No claim bonus is given during policy renewals if there has been no claim throughout the policy period.

• It provides coverage for the litigation and legal bills that have been filed against you.

Your company's financial stability depends on how efficiently your commercial vehicles work and facilitate the business. Businesses must opt for purchasing motor insurance to safeguard their vehicles from all potential risk factors. Online motor insurance renewal is the best option for companies already owning an insurance policy. Alternatively, you may choose to include several optional coverages with your basic plan for some extra fee.

Click HERE to get an 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.

India's economy is heavily dependent on the transport of various goods. As the world's second-most populous country and one of the fastest-growing economies, different food and industrial needs can be met only with effective and constant transport operations. Supplying goods for a population as vast as over 130 crore people isn't easy, and various modes of transport are used to meet the demand and supply requirements of the nation. Be it the well-connected train routes or the extensive trucking system, transportation is pivotal for the country.

And while the train pilots are heavily compensated and well paid, the trucking community is often neglected. With minimal pay, over the top work hours and extended working conditions, truck pilots face a lot of trouble.

Today, we highlight the most prevalent trucking violations in India.

1. Sleepless nights:
Truck drivers are constantly working for 12 hours at a stretch. Sometimes this goes on for days non-stop. Covering long distances within a given time can be challenging for the drivers. And sleepless nights and bare minimum food can add to the fatigue.
Research showed that almost 53 per cent of the current driving force face various psychological and physical issues, including but not limited to insomnia, obesity, joint pain, poor vision etc.

2. Extended work hours:
Since most truckers come from low-income groups, they are always looking for ways to work extra hours. This leads to added fatigue and exhaustion.
There have been instances when drivers have unknowingly knocked vehicles from the road and crushed the pedestrians. While there is no mandate stating the number of permissible work hours in India, it is illegal to drive for more than 10 hours at a stretch in most countries.

3. Overloading:
About 10 percent of total accidents are caused by overloading. These accidents can be caused due to various reasons such as tyre burst, loss of balance, manoeuvring the speed on an incline, worn out brakes etc. The weight of the truck changes if it's overloaded, which impacts the centre of gravity, making it challenging to handle the vehicle.

4. Poor health care:
Trucking services neglect the need to provide basic insurance to truckers and co-pilots. The truckers often turn to home remedies and generic medicines in case of injury. In most cases, they cannot afford the treatment as they prioritise reaching the destination on time. As a result, severe back pain and loss of vision have become some of the most common health issues amongst truckers.

Truckers are one of the most villainous communities on the road. However, we need to understand that they are put through extremely hostile work conditions. Providing sufficient health care and funds to truckers should be made mandatory. Limiting the working hours, maintaining a logbook and providing good resting conditions for the drivers can bring a considerable change to the trucking business in the country.

Sometimes, the truckers are responsible for bearing the cost of repairs on the truck while on the road. Burdening the drivers with such extra expense can be avoided by investing in comprehensive online motor insurance and selecting the plans that provide the best benefits. Various NGOs and individual transport companies can look for multiple covers, including health insurance, public accident insurance and motor insurance for the drivers.

Click HERE to know more about buying online motor 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.

Several car owners consider their vehicle to be an expression of themselves. Car enthusiasts may pick aesthetic modifications for their beloved vehicle in the same way a person chooses particular outfits to showcase the style quotient.

Remember, having automobile protection accessories may help prevent any slight or significant wear and tear that occurs over time. Such accessories will undoubtedly keep your vehicle spotless, increase its longevity, and add value to your car.

However, you must strike the correct balance between aesthetic and practical modifications so that your vehicle stands out in terms of both elegance and convenience. Here are several useful and practical extensions to enhance your vehicle's overall quality.

1. Additional fog lamps:
When the primary headlights fail, the extra fog lights turn on. These are primarily helpful if the battery is dead and no other power source is available. They also use the braking system to minimise acceleration in certain circumstances, leading to a lower speed when the vehicle meets an obstacle and preventing it from veering off the road.

2. Side moulding on the body:
This is an excellent option for vehicle owners who wish to armour their cars and protect them from knocks and dents on the road. The resilient material is elastic enough to absorb the impact of slamming car doors against your side. When buying a body side moulding, you can pick from various designs and colour choices to enhance the appearance of your car's exterior.

3. Tyre-pressure monitor:
Some individuals are picky about certain aspects, while others are not. A tyre pressure monitor set could interest you if you fall into the first group. Your car's tyres should always be in perfect condition, and this device guarantees that they have the correct pressure for travel. If there is a deviation, the monitor will notify you to remedy the problem.

4. Grill protectors:
A strong grill shield protects the front of the car from severe damage caused by pebbles, tall grass, and anything that it may kick up. It can also secure the driver and passengers in minor accidents or collisions with other vehicles or wildlife.

5. Jump starters:
A jump starter may serve as a backup power source when your four-wheeler's battery fails. If you like taking long road trips, it is advisable to have a jump starter tool kit in your car. This equipment becomes even more important when driving on frigid terrains or secluded locations.

6. Hydraulic jack:
Always keep a hydraulic jack handy in your vehicle. This mechanical tool can be of great help when you need to change the tyre in case of a puncture. A hydraulic jack can reduce the mechanical effort involved in tilting or lifting the vehicle.

You can select from a plethora of accessory packages and accessible alternatives to further safeguard your four-wheeler. However, before purchasing protective gear, examine how you will operate them for the best benefit of your car's safety and needs.

Aside from protective extras such as tyre pressure monitoring, keyless locking, and additional bumpers, protecting your car with motor insurance is an investment that will surely pay off in the long term. It will provide you with a hassle-free car experience without jeopardising your safety. Therefore, look for the best motor insurance company in India to protect your car, yourself and other drivers on the road.

Click HERE to connect with 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.

Fishing is an easy sport that can be enjoyed by people of all ages. Many people like to camp near fishing sites and spend time with family and friends. The excitement of holding the rods and attempting to catch a fish and cook it into a delectable dish is a joyful experience.

While fishing is a simple sport, newcomers interested in trying their hand at it might find it difficult to get started. Catching the first fish is a memory to cherish throughout your life, and this blog will help you accomplish that.

Let's discuss the six best tips for newcomers to get started with fishing easily.

1. Research:
It would be best to do some research before heading straight to the pond with your fishing rod. Get a general idea about fishing. Read some books on the basics of fishing to understand the process. You may even watch a few tutorials online to clear the fundamentals of preparing the rod, using the bait, and understanding the techniques involved.

2. Basics:
After you are done with your research and are familiar with the terms and equipment used in fishing, you can get started by understanding the basics and pre-fishing tasks. For example- you can learn how to put baits on the hook, tie knots, etc.

3. Bait:
You need to know about the various types of baits that attract different fish. For example, raw chicken liver attracts catfish. Adding the wrong bait can make it difficult to catch a fish. So acquaint yourself with the proper knowledge about different types of fish and the tricks used to catch them.

4. Location and weather:
Be mindful while choosing a location for your fishing trip. Look up the site on the internet and learn more about the water bodies and the types of fish that might be available (if any). A cloudy sky is considered to be the best weather for fishing. You can also catch fish in other weather conditions, but an overcast sky speaks magic comparatively. If you are not aware of the proper conditions for fishing, it could be a disappointing experience not to find anything to catch.

5. Apparel:
You need to dress for the occasion. In the case of fishing, wear boots since there is a slight chance that you might have to (or by accident) paddle into the water while catching a fish. Dressing according to the weather would make the fishing experience better for you. Wear layers if it is cloudy and chilly. Tie your long hair into a ponytail to avoid getting distracted.

6. Bug spray:
Make sure that you carry bug spray. The places around these water bodies tend to have a lot of bugs and insects (mainly mosquitoes), which might cause trouble while fishing and can get you sick if you are not careful. Using an itch-free bug spray is advisable for a comfortable fishing experience.

That's a wrap on the six best tips for newcomers in fishing. You have to be quiet around the edge of the water bodies to catch fish efficiently. Even a slight mistake can be risky and may land you into unwanted trouble. So, get the best personal accident insurance India to protect yourself against any unfortunate incidents and make your fishing experience a memorable one.

Click HERE to know more about how you can buy the best personal accident insurance India.

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

Whether you're looking to purchase your first pickup vehicle, minivan or heavy-duty truck, there are several aspects to consider beforehand. The process of buying a commercial vehicle can be daunting for first-time customers. An excellent place to start is to gain enough basic knowledge about trucks to understand how they will meet your requirements. In contrast, existing truck owners should focus on increasing the benchmark performance of their present fleet.

If you fall in either of the categories, here are some pointers to help you while buying a commercial vehicle.

1. Research your way into it:
Regardless of your level of knowledge about commercial vehicles, most showrooms would be happy to assist you. However, doing some comprehensive research as part of the purchase process will help you better understand commercial vehicles before going to a dealer.
Talk to people in your known circle who own commercial vehicles. Find out what goes into daily and long-term maintenance, and get details about performance and cost. Read through buyer reviews and do plenty of research online.
This may appear a tedious task, but buying a commercial vehicle is a significant investment. If you go for the wrong product, it can cost your company in the longer run.

2. To help you make a better decision, ask yourself these questions:

What kind of chassis am I looking for?
Chassis is your vehicle's structural backbone. Fuel will be wasted if you use a chassis that is too large for your needs. On the other hand, a tiny chassis might cause your vehicle to get overloaded, requiring you to make additional trips, wasting time and fuel, and reducing efficiency.

How much power do I require?
When the vehicle obtains the best torque at a low engine speed, the overall fuel consumption is lower than when the engine is operating at maximum speed. So choose a vehicle with an engine designed to provide maximum torque at the speed at which the vehicle will primarily operate most of the time.

What type of tyres am I looking for?
Tyres support your truck in operating at its maximum design speed safely. When moving, they should provide as little resistance as possible. If your vehicle involves driving on high-speed routes, low-rolling-resistance tyres might be beneficial. For small trucks, remember that tyre maintenance is more important than tyre selection.

Which fuel will my truck need?
Although most commercial vehicles run on diesel, alternative options are gaining popularity due to growing fuel prices and environmental concerns. Hybrid electric engines can be helpful for trucks dealing with a large number of small deliveries.

An increase in fossil fuel prices may make these alternative fuels more tempting for your applications. Still, given the current market, you should do thorough research because these options have challenges, fewer refuelling or charging stations, to name one.

Purchasing a truck is a significant financial investment for anyone. A good vehicle can be your business's maker or breaker. It is an asset that needs regular servicing and maintenance to perform at its best. In addition to doing extensive online research for some valuable takeaways to buying a commercial vehicle, you also need to study online motor insurance that can provide financial cover to your vehicle against any mishap. While making the most impactful investment of your life, it is also crucial to get online motor insurance for your purchase to help you be carefree when it travels miles for your success.

To know more about online motor insurance plans for your next commercial vehicle, click HERE .

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.

In this hustling world, everyone wants to save the most valuable aspect of their life – time. Finding out time for household chores feels like an impossible task in the middle of your tight schedule.

But, many gadgets and appliances have made the way to clear the chaos and get things convenient for you. From the start of our day until we retire, we encounter several devices that work as our assistants and eliminate the worries of most household tasks.

Below you will learn some of these intelligent home appliances that make your life easier.

1. Speakers with AI and Bluetooth – technology reimagined:
Apart from listening to songs, we can use smart speakers to remind every major-minor event or daily tasks such as paying the bills, recharging your internet pack, weather forecasting, news, and what not. The exciting feature is that it also operates by voice recognition feature. You may even integrate your smart speakers with your other smart home devices to enjoy a fully customizable and command-driven home environment.

2. WIFI/portable routers – make smarter connections:
The Internet has become new oxygen for the globe. Constant evolution in the WIFI system like portable routers and mesh WIFI systems are trending and valuable for the smart home network that connects all your smart devices.

3. Smartwatches – the world around your wrist:
Smartwatches are a great invention that looks classy and way more productive than just showing time. Get all the notifications and regular updates without touching your mobile. Additionally, it's the best investment for health by keeping your active schedule with your walks, work-out, and counting calories burnt.

4. Innovative kitchen appliances – cooking made fun:
Smart refrigerators, dishwashers, microwaves can be paired with your smartphones through helpful apps and make the cooking experience more enjoyable than we could ever imagine. These appliances would do the task in minutes which you finish in hours with your bare hands.

5. Laundry appliances – happy clothes, happy wardrobe:
Fully automatic washing machines with timers, clothes dryers are the appliances that have become popular and essential in the last decade. They are an excellent example of time-saving and doing your laundry easier and faster.

6. Living room appliances – feel like the 'modern king':
It is where we tend to spend more time with our guests and visitors. You can easily interact and schedule the smart lights, automatic blinds, Smart TV and sound system and turn your living room more automated to your requirements.

7. Smart doorbell/locks – safety redefined:
Safety is the biggest concern for homeowners. Using an intelligent doorbell system, remote control of door locks, and security cameras will bring a good change in your life by making you feel secure. Also, the house insurance premium goes down when you add a layer of security to your home. This way, you guarantee yourself a peaceful sleep at night and the shield of double protection from unfortunate incidents like burglary for your home.

You can make your home a lot more automated by using these intelligent electronic appliances and gadgets. Imagine cooking in your microwaves from anywhere with your smartphone and receiving alerts when the food is ready.

The constant upgrades and new appliances make way to your home and give you the upper hand to manage the daily household work. Some of these items are expensive devices to install in your house. A suitable house insurance plan can provides you compensation for the damages caused due to fire, theft, or man-made hazards or any vandalism. Get house insurance for the financial security of your insured belongings and enjoy your life with the golden-age technology appliances.

Are you looking for a best home insurance in India for your new home? Click HERE .

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.

Having your furry friend accompanying you as a travel partner can be an exciting experience. When you have good company, the journey appears to be insightful. No trip is complete without the favourite member of the house! So, if you're planning a vacation, let your cute friend know that he's coming too.

People might think it's hard to travel with pets considering they might litter around or cause trouble for others. But, in reality, travelling with your furry friends can be one of the best travel experiences ever. With just a few tips and precautions, you can go on adventures with your pet and take your bond to greater heights.

We are here to offer you the top five essentials to make travelling fun with your pet.

1. Visit your vet before leaving:
Always consult your vet before leaving for the trip, especially if it is your pet's first long journey. Your pets might need some extra vaccination or require a health certificate for the travel. Check all the documentation from your vet mentioning your pet's proper health before starting a trip.

2. Practice can make your pet perfect:
A long-distance car ride for the first time can get them nervous. So it's better to take some shorter drives before the main trip to see if they are comfortable for long-distance. As they get used to the travel conditions, they start enjoying the little things. Try some commands and tricks to calm them in new public places and to avoid any mishaps with strangers.

3. Travel pack for your pet:
As you wish to have all the best things with you while travelling, so does your pet. Carry your pet's favourite toys and treats. This will make them the happiest even when they aren't able to do much while travelling. Pack ample food and water that will last the whole trip. Also, add a separate first aid kit for them. Be a responsible guardian and take the best care of your pet; you will find that it'll keep you entertained throughout your vacation.

4. Time for stretches and play:
All pets are hyperactive, and they can't sit still in one place for a long period. Stop at every 3-4 hours for them to stretch out and go for a bit of run. This will place their energy in the right direction, and they won't be jumping all over and creating chaos during the drive. They would love to have these sessions in between, making them bear long travel runs.

5. Maintain a pet-friendly environment:
Having an environment they can enjoy and be comfortable with is the most important thing for long journeys. While planning, choose hotels and restaurants that are pet-friendly to have the opportunity to socialize with others. As the most pet-friendly hotels get booked in advance, always have a prior reservation for your stay. While in the car, don't drive too fast as they quickly go through motion sickness.

All these tips will help you make your journey so much more fun and exciting for your pet. Along with that, keep a check on other minor details such as carrying pet seat belts, a first aid kit, and your pet's medical documents.

While you have to be a little extra careful about the well-being of your furry friend, ensure you have already guarded yourself against other travel-related worries like theft or damage to your baggage or a medical emergency during the journey. To deal with these unfortunate incidents, a general insurance company can be of great help. Magma HDI General Insurance company covers the losses amidst your travel plan so that you focus on playing and making memories with your pet.

Click HERE to know more about general insurances available.

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.

Multiple studies claim that the paint of your home plays a significant impact on your mood. When your eyes connect with various shades, your brain automatically releases different chemicals that enhance your mood.

Colour therapy plays a vital role in the healing process by making you more expressive and lively. For example, if your walls have dull tones, you will likely feel lazy, sleepy, or tired. Similarly, bright shades bring a freshness that cheers you up by making you feel energetic.

This blog will list how different colours used in your home can impact you and make your home feel alive.

1. Red for high energy and power:
Red signifies power and energy within you. Although a dark red would look awful on your wall, a lighter shade can signal courage, strength and promote alertness.

2. Lilac for calmness and relaxation:
Painting your room with a lilac shade will help you feel calm and relaxed. Imagine waking up with a feeling of peace and positive vibes surrounding you. It will mark the start of perfect daily mornings. That’s the power of Lilac!

3. Light green for positive energy:
Light green depicts the shade of nature and symbolizes peace, balance, refreshment, and reduces stress levels. Shades of green can go a long way to help you feel relaxed and stress-free.

4. Pink for happiness:
Pink is highly recommended for bringing a feeling of happiness and joy. You can paint your room pink, indicating the positive energy around. However, pink carries a misconception that it belongs to girls. But that’s not entirely true. Pink is a vibrant colour and has shades that are considered gender-neutral.

5. Cheer up your mood with yellow:
Yellow is widely known for its cheerfulness, simplicity, and elegance. Even though yellow may not be an ideal choice for many people, you can use it to paint your cabinets and other furniture attachments in the kitchen to add a bit of spring. Now imagine waking up to make your coffee and feeling enchanting around!

6. Violet for increasing artistic ability:
Violet stimulates our brain’s problem-solving capacity and promotes artistic ability. Both teenagers and adults prefer violet for its calming, creative promotion, and deep feeling. However, note that overusing a colour may result in suppressing emotions and feeling insecure. So when choosing violet, ensure limiting the quantity.

7. Blue for rest:
The colour of the sea and sky promotes a feeling of renewal. Curling up in your bed with a beautiful blue shade around your room can help in eliminating insomnia and induce deep sleep. Blue is usually known as “cool colour”, making you feel rejoiced and relieved.

8. Warmth of orange:
Orange promotes joyfulness, cheerfulness and invokes feeling emotionally intense. For relationship building and encouraging interaction, orange can be a perfect fit for your bedroom.

Wrapping Up!
“Colour is a power which directly influences the soul” – this insightful quote of Wassily Kandinsky depicts how different colours reflect on our day-to-day life. Happy, calm, cheerful, or motivated? You’ve got a handful of options of the colour pallet to select for your home.

While the colour of your home can affect your mood, it is essential to coordinate other aspects too. Along with appearance, it is also essential to cater to the security of your home. The gleam of beautiful walls and attractive ambience can be an open invitation to the thieves. So instead of worrying, relax and get a shade of home insurance for your home to make it secure.

Click HERE to know more about the home insurance plans that best fit your requirements.

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.

Problems come uninvited, so do thieves. While modern technology makes it safer than before, no homes can be declared as "burglar-proof". The skills of burglars are advancing too with time. So, to avoid clever thieves from attacking your house and stealing valuables, you need to take considerable precautions. Below are the twenty-one tips to prevent burglary at your home so that you feel guarded.

1. Get a pet dog to guard your home: Most common and convenient option is to get a pet and train it to safeguard your home. Believe it or not, most thieves are badly scared of dogs!

2. Keep your spare keys in a place known only to you: Unlike old times, you cannot keep your spare key under a flowerpot or doormat. Unsurprisingly, invaders are aware of this trick. So, it is advisable to keep your keys at some safe place, or you can hand them over to your trustworthy neighbours till you return home.

3. Keep your car keys accessible to you: At the time of intrusion, you can make them scared by pressing the car alarm with your keys.

4. Always use the peephole before opening the door: Use the peephole to see who's outside, confirm the unknown person's identity, and then only open the door.

5. Draw curtains and blinds: Surely you won't like to give some stranger an option of window shopping to your home. To ensure privacy inside your house, make a habit of drawing curtains and blinds.

6. Be a friendly neighbour: A neighbourhood watch is one of the best ways to protect your home. Protect their home when they are not around and request them the same when you are away for a long period.

7. Install security cameras for surveillance: Make this one-time investment in installing CCTV outside your home premises. No invader will break in quickly.

8. Keep your valuables safe: Considering the worst case, even if the intruder breaks into your house, make sure that your valuables, essential documents, and ornaments are in a fireproof and password-protected safe or locker.

9. Hide expensive items: Don't keep your expensive items like jewellery, watches etc., at bay where everyone can see them. It's easier for visitors and strangers to scan through while you open the door for them.

10. Install a video doorbell camera: It is a modern-day alternative to the peephole, providing a better and broader view and a clear channel for communication.

11. Keep multiple layers of defence: Using a single door is not safe. Keeping fences, external gates on the entrance further prevent invaders.

12. Shift your door hinges: Doors having hinges outside are highly vulnerable. Anyone can break in with simple tools. So, make sure hinges are inside the home.

13. Shine a light of security: Having a light outside the home and keeping the gate well-lit makes burglary less possible. Burglars usually try to avoid attacking homes that have lights on!

14. Keep the external switches and wires covered: The invaders will likely break in after cutting the cables and CCTV camera connections. So, ensure that all the cables are covered safely and not visible to intruders.

15. Timely update and upgrade doors and locks: Old doors and locks are easily breakable and cannot provide durability. Update your locks and doors from time to time.

16. Use multiple locks: Like multiple doors, use multiple locks for additional protection.

17. Secure the windows: The window is a familiar and most found intruding means by which burglars break-in. Make it safer by using good quality windowpanes, glasses, and handle locks.

18. Declutter your door: When you are not at home, ask your neighbours or inform some friend to empty your garbage bin, collect your daily newspapers or any parcels and packages dropped at your doorstep.

19. Keep security signboards: 'This property/home is under the surveillance of CCTV.' Such signboards will easily break the will of an intruder, preventing them from entering your house.

20. Don't overshare or overexpose: Make wise use of social media. And don't overshare your personal information, things about the home, or any upcoming events and trips too. It might risk your home and privacy in the first place.

21. Get a home insurance plan: A good house insurance India plan guards your house against losses in case of a burglary. Your insurance company will reimburse the value of the lost items.

Phew! Many of the above tips will save your home from burglary and make it secure inside out in your day-to-day life. The future of safe homes lies in home automation or smart homes. If you have a reasonable budget, you can also opt for such options. However, thinking of additional protection for a home is not a wrong thought. So, always invest in home insurance that provides you additional protection.

Click HERE to get the best home insurance India for your home.

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.

Technology is undoubtedly a key driver for the economic growth of a country. Fuelled by the revolution in internet connectivity, it has evolved over the years and made many advancements. As a result, it plays a significant role in improving people's lives in every field, including the transport industry. Truck drivers encounter multiple issues in their day-to-day life, but the latest introduction of technology in truck drivers' lives has made things smoother for them. In this post, we share how technology is making the life of truck drivers easy on the wheels.

1. ELDs – Electronic Logbook Devices:
Truck drivers are required to manually fill forms or papers to enter the number of hours they drive. To avoid this hassle, ELDs are attached to the engine, which automatically calculates the number of driving hours. Besides, ELDs also assist in helping the truck driver with fuel consumption by the truck. Another perk of these devices is that it monitors the driving route and thus helps the truck driver's safety. Furthermore, if truck drivers encounter accidents, ELDs play a crucial role in proving the evidence.

2. Load boards:
Load boards are another vital tool used to find new shippers who need to haul their loads. This is widely used by truck drivers, owners, freight brokers, and more. You can go to load board sites and enter all the necessary information, including types of loads you can haul, weight allowance, and currently available destinations. Once you fill up all this information, shippers can contact you.

3. GPS systems for truck drivers:
GPS units are a standard device that assists truck drivers to reach their destination quickly with the shortest route. It avoids unnecessary travelling for them and results in efficient delivery. In case of traffic jams and bad weather conditions, the drivers can avoid those routes and save fuel and time.

4. Best use of smartphones:
Smartphones are excellent technology examples that are helpful for truck drivers. Through smartphones, truck drivers can communicate seamlessly and share their exact locations. This is also crucial for knowing how long the truck driver will take to reach their destination. Additionally, you can use smartphones to check out the nearest gas stations, accommodations, and more. During the breaks, truck drivers can use their phones for entertainment, such as listening to their favourite music or watching shows and movies.

5. Hands-free communication:
Voice assistant devices and other hands-free communication devices serve great purposes for truck drivers. Using hands-free communication devices ensures their eyes are on the road while informing people about their route. Since we all are aware of the consequences of holding a phone while driving, truck drivers can use hands-free communication devices and stay in contact with the dispatcher. This is also essential when the driver is confused about the exact route and needs guidance.

It is no surprise that technology innovation is pushing the limits and changing how the transport business functions and improving life on highways. However, as the industry evolves and expands, it also requires safe cover for efficient operation through motor insurance. Good motor insurance addresses the worry of mishaps on the road and puts you away from unwanted risks. Thanks to the technology, you can have online motor insurance renewal even on the move from your smartphone. So, use the technology advancement to your advantage and remain ahead in the business!

To know more about motor insurance, click HERE .

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.

Home insurance is one of the most common insurance that people buy, but most of the buyers do not know about the complete limitations and benefits of such insurance policies. There are certain myths related to home insurance policies that are still prevailing in people’s minds. You can find a person buying the best home insurance in India, but he/she will be under the myth that the insurance policy does not cover this or that. People need to properly read the offer and scheme related documents before they are deciding on buying any particular policy. Some of the myths that have been there in people’s minds for long periods have been debunked here: -

1 If the damage to the home is severe enough that it is beyond repair and you cannot live in it while it is being repaired or renovated, the insurance company will put you up in a hotel or a serviced apartment temporarily while the work is being done. This is true for some insurance plans but not all insurance plans and if loss-of-use is there, it will be clearly stated in the policy. People should not be under the myth that Loss-of-use is present in all policies else they will have to bear a huge financial burden of paying the hotel fees as well.

2.Many people believe that their belongings lost in the fire will be replaced with new ones if they have a policy. However, most of the policies do not have this clause. Instead, the losses are calculated by what the items were worth before they were lost in the fire. A four-year-old computer that you bought for Rs. 50,000 may be worth only Rs. 13,000 before the calamity and the insurance company will calculate the loss by counting the price of the computer as Rs. 13,000 and not the original price of Rs. 50,000.

3.Even the plan which may be the best home insurance in India may omit coverage against flood. Floods can occur due to several reasons, such as a storm, hurricane, ruptured pipes or drainage stoppages, or ruptured sewer backup but most of the times flood is not included in the policy. If you live in a flood-prone area, there are special flood policy packages offered by selected firms but in general, it is not included in a home insurance policy.

4.People generally believe that low premium means low insurance coverage, but this is not true. You can lower your premium in many ways without reducing your coverage if you take safety precautions of your own to protect your house. If you have security devices such as fire alarms or burglar alarms installed at your house, you can tell that to the insurance provider, and your premium can be lowered.

After the fire tragedy, some items are destroyed or damaged to such an extent that for the insurer, it could be challenging to identify for assigning the claim. So, as a responsible party, you ought to click as many pictures and shoot videos as possible of the damaged, smoked rooms to show the physical evidence of the actual damage before it gets wiped by a restoration company.

5.This is a myth that you need to be a homeowner to buy home insurance. You can very well buy home insurance for your belongings and contents of the house without being a homeowner. A tenant can purchase home insurance for his belongings and in case the tenant shifts; the policy can be approved for a change of address as well. Not only this, but the homeowner can also get home insurance for the structure of the rented accommodation or the house in which there are tenants living.

While buying even the best home insurance in India, you need to be careful and read all the documents for the policy carefully to understand what all things are included in the insurance and what all things are not included in the insurance. Different policies are accommodating different perils and you must choose the one that fits your requirements the best.

A fire can start anywhere and you will be surprised to know that you may have as little as two minutes to escape from such fires to safety. Early warning signs and proper steps taken once the fire has been detected can save your life as well as others. Most of the home fires that occur are preventable and you should follow certain fire safety tips to protect yourself as well as your family from fire hazards.

Buying home fire insurance is the first step towards protecting your house from an unforeseen fire hazard that may destroy your complete property. But along with this, you need to know some safety tips to protect yourself if and when there is a fire outbreak in your home or office or any other such building.

• Smoke alarms are the basic detectors that must be installed within the building so that you are immediately aware of if there is some fire in your house. Such fire alarms can be installed in your living room and all of the bedrooms. Installing fire alarms does not finish your job and you need to take care if they are working properly by regular checks. You may even need to replace their batteries periodically.
• Have a fire escape plan ready and your whole family should be aware of what to do to escape from the house in case of a fire outbreak.
• In case there is a fire in your home, try to escape as quickly as possible and do not go back to your house to gather any belongings. If your house is insured under home fire insurance, you will get everything back.
• If you live in an apartment, get to know all the escape routes and as soon as there is a fire outbreak, pull the fire alarm so that everyone else is aware of a fire in the apartment.
• In case there is a fire in your home, lie down close to the floor because smoke tends to rise higher. You can save your breath this way and can be safe inside the room for a longer period until help arrives.
• If you are locked inside in case of a fire, try to block all paths of the smoke entrance to your area. You can get any clothing material and place it at the entry point of smoke which is generally the bottom of doors. The wet cloth will prevent smoke from reaching your area and you will be able to survive for a longer period until help comes.
• All the inflammable materials in your home should be handled carefully and must be put in a safe place. In case there is a fire outbreak, try to keep flammable materials out of the reach of the fire, otherwise, they may cause an explosion risking everyone’s lives.
• In case you use fireplaces inside your home to warm the house in winters, install a fire safety gate around the fireplace.
• Fire extinguishers are a must at office places, but there must be fire extinguishers at your home also. Everyone in your family should be trained enough to use the fire extinguisher in case the need arrives.
• In case your clothes catch fire, do not run because running won’t douse the flames, instead, it will only help the flame. Lie down and roll on the ground and the flames must be smothered by a heavy blanket or rug.

All these tips can come in handy whenever there is a fire outbreak in your home or your office. You must follow these tips, but you must never forget to call the fire department to let the professionals handle the fire hazard.

Owning a home is generally seen as a sign of adulthood and financial responsibility. Buying a home is a huge step and a very big commitment and requires a lot of work on your part. You need to be aware of all the different things and steps involved with everything to fully comprehend what all things need to be taken care of before you buy a home such as EMI payments, property tax payments,best home insurance policies in India and several others. Many people rush into buying homes which is never a good idea because if you are not careful while buying a home, there is a probability that you may be making a bad investment.

When buying a home, you need to be sure that you can sustain the financial burden and it won’t mess up your financial stability and for that, you need to understand the various aspects of homeownership. You can consider this as a guide which will help you in making a correct decision that will be beneficial for you in the long run as a good investment. Going step-by-step, you need to ponder over carefully on all these things: -

• The need to buy the property - Many people decide to buy a home just because they want to prove to the world that they have attained adulthood and they can own a home. The decision to buy a home should not be made so precariously and proper thought must be given to whether you need to buy a property and how will it affect your financial stability in terms of mortgages.
• Shortlisting the Property - Once you have properly assessed your requirements for a property, you need to now ponder upon what kind of home would you like to live in. Shortlisting can also be done based on whether you want to move in immediately or you want to construct the house according to your preferences. Ready to move in property generally require enough finances for paying cash up-front to buy them but for a house under construction, you can take bank loans while paying less cash up-front. The property should also be shortlisted based on what kind of location you want to live in.
• Understand the tax implications - Everyone wants to reduce their taxes, and for this, you need to understand what kinds of taxes you have to pay and how can that tax be reduced smartly. You can save capital gain tax on residential properties but not on commercial properties.
• The Legal Perspective - Once you have decided on buying a property, take care of all the legal things that need to be done so that the property is registered under your name or someone in your family. All the documents should be clear, and you should be comprehensive with regards to all the paperwork for the property to avoid any issues in the future.
• Manage Finances - You need to have a stable financial system so that you do not face any difficulty in your daily life after deciding to buy a new property. You can also avail home loans from banks to finance the new property by paying less cash upfront to the developer of the property. Your home loan eligibility and the amount for which your home loan is sanctioned depends on your ability to repay the loan, i.e. indirectly your salary..

Home buying is generally categorized into three different stages which are the Pre-purchase stage, financial handling stage and the Post-purchase stage. You need to be properly involved in all of these stages and understand each and everything so that you do not face any legal problems in future.

Make sure that all documents are complete and if you rent out your property, have proper rent agreement papers made. Buying a home also means you need to have home insurance, and you can buy some of the best home insurance policies in India from different insurance providers at attractive premium rates. Compare the policies properly and buy the one that suits your requirements the best.

While driving on the Indian roads, the possibility of an accident can never be ruled out. Whether due to a momentary lapse on your part or due to oversight on the part of someone else, accidents can take place anytime and anywhere. But the damages/losses incurred due to it can be mitigated with the help of personal accident insurance in India.

What is Personal Accident Insurance

Personal accident insurance is offered in combination with Third-party policy. Insurance companies charge a nominal fee for offering this coverage. Under this policy, you will be reimbursed by the insurance company for injuries suffered while driving your vehicle.

Is it mandatory to get personal accident insurance in India?

As per the latest insurance regulations introduced by the government, it is mandatory to get personal accident insurance in India for a vehicle owner. The current regulations by IRDAI state that the car owners, as well as bike owners, will now get a mandatory personal accident cover of Rs. 15 Lacs as per their motor insurance policies. Previously, this cover was capped at Rs. 2 Lacs for car owners and Rs. 1 Lac for two-wheeler owners against a premium of Rs. 100 and Rs. 50 respectively.

Now the premium has been increased to Rs. 750 for a cover of Rs 15 Lacs. This premium is payable over and above the mandatory third party insurance cover. If the insured person wants a higher cover, then the same can be availed by paying a higher premium, which is to be decided by the insurance company. The coverage of the policy extends to the owners of the vehicle as well as the drivers of the vehicle, provided the availability of a valid driving license.

This improvement in the personal accident insurance in India was introduced after a judgement by the Madras High Court in the year 2017. While passing the judgement, the court noted that enhancing the personal accident cover will act as some kind of solace to the victim as well as survivors of the accident.

Though there are some exceptions applicable wherein the owner can opt-out of this mandatory personal accident cover i.e.

• If the vehicle owner already has a valid personal accident cover policy with a sum insured of more than Rs. 15 Lacs.
• If the owner already has a motor insurance policy with a compulsory personal accident cover with a sum insured of more than Rs. 15 Lacs for another vehicle owned by him/her.
• If the vehicle owner already has a separate compulsory personal accident policy.

Benefits of Personal Accident Insurance

Some of the standout benefits of subscribing to personal accident insurance in India have been listed here: -

• The policy covers in the case of the unfortunate death of the insured. The nominee is entitled to the entire sum.
• The cover is even provided for total permanent disability, permanent total disability, permanent partial disability and temporary total disablement.
• Some policies even cover hospitalization due to an accident and the cost of transportation for mortal remains in case of death.
• The dismemberment of any kind is also covered in some policies. Certain companies have also given said ratio and benefits for certain kinds of injuries that will then be paid to the policyholders
• Very few companies also provide optional coverage in case of burns. This can also be considered before personal accident insurance is taken into action.
• The treatment for the burns is also covered by some insurance companies.

With such extensive benefits on offer, availing personal accident insurance in India is a necessity for the vehicle owners.

Climate change is the shift in the temperature and weather patterns over a long period. It affects the entire planet by causing abnormally cold conditions in some parts of the earth, while some areas witness extreme heatwave conditions. Some regions are experiencing long dry spells, while others are experiencing devastating floods.

Human activities are primarily responsible for the rapid climate change across the planet. Excessive burning of fossil fuels like oil and gas and irresponsible exploitation of natural resources result in climate change. If you wish to buy home insurance online India to deal with damages due to untimely incidents, here’s how this may directly impact you.

1. Increase in premium:
Some regions of the planet are witnessing a higher impact of climate change and increased natural disasters such as floods, wildfires, deep freeze, rise in sea level, etc., than others. Home insurance premiums have shot up at an alarming rate in such regions. It is becoming very costly for homeowners to buy home insurance online India policy in such areas.
This is logical as the risk of insuring houses in these places and the number of claims is rising. Hence, it is becoming financially unsustainable for insurers to provide insurance services at the prevailing rates. Home insurance premiums have increased by around 10%-12% on an annual basis. This rate varies and is even higher for houses in heavy disaster-prone areas.

2. Rise in the number of inhabitants:
Disaster-prone areas offer inexpensive land, which increases their demand. This results in the increasing population and limited availability of land in disaster-prone areas. However, houses in areas prone to flooding or nearby forests always have a higher risk.
Houses near a forest always pose a higher chance of starting a wildfire by accident. More house inhabitants mean more damage during severe flooding or other natural disasters. These factors influence home insurance policies, their terms and conditions, and premium in areas vulnerable to natural disasters.

3. Difficulty in getting home insurance:
Residents in regions that are witnessing disasters due to climate change are finding it difficult to get their homes insured easily. The probability of damage to their houses is very high because of the topography of their area. For example, rising sea levels due to climate change threaten the existence of dwellings close to the sea shores. Several cities in the world face the risk of extinction by submerging in seawater due to rising sea levels.
Insurers are not interested in insuring houses in such high-risk areas. This makes it difficult for people to get their homes insured, even after shelling out high premiums, which are often unaffordable for the middle & low-income strata. This increases the risk of complete financial ruin in the event of a natural disaster.

Abrupt climate change is catastrophic. It can cause extreme heat or cold conditions, floods and droughts, hurricanes, and tornadoes. Moreover, it can also result in biodiversity loss. Although climate change is inevitable, we can control the pace with which it changes. With the risk of abrupt climate change looming on our heads, the wisest decision in these times is to buy home insurance online India. Opt for comprehensive coverage against damages to the home structure and contents, loss due to short circuits, fire, floods, etc.

Click HERE to buy home insurance online India.

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

During our growth and working years, there comes a stage where we all usually start thinking of our post-retirement life. We all wish to be well-prepared for our retirement before it heads up. But what kind of retirement do we expect? We often hear a majority of people categorically saying, “We want to get rid of this hustle and bustle of a city and find peace in a place amidst nature and indulge in activities that imbibes positivity.” So, to sum it all, we all want a healthy and happy retirement life.

Do you wonder how you can make your retirement life worth living? Following tips on an ideal retirement plan can help you attain what you expect!

1. Propose yourself a purpose

It is a misconception that retirement is all about sitting idle on the rocking chairs in verandas, sipping warm tea or coffee with newspapers in hands. Don’t ever fall to these false theories, as they can be devastating if they don’t satisfactorily address your question of why did you retire? Inactivity can lead to boredom and infuse stress into one’s lifestyle. Have an aim and utilize your retirement to check the boxes of the things you always wanted to do but couldn’t get time.

2. Be a wanderlust, think before downsizing

The majority of us skip a couple of our travel plans due to busy work lives. Retirement is the time you bring those plans into reality. Invest your time and savings into travelling and exploring the places because the intrepid in you wants to feel YOUNG!

3. Health is the most important wealth that matters

Never consider money before your health;

you already worked your heart out during your younger days. Retirement is when you repay your debts that you had taken from your bodies by keeping them fit. Design a proper diet plan and follow it. Have regular medical check-ups, practice meditation, yoga, and other physical activities that keep those bones and muscles perfect. Laughter therapies can be a blessing, also try to go on nature trails or simply go for a walk in the park to breathe in the fresh air.

Also, don’t stop working. Yes, if you can work, be it an easy job, consultancy or volunteer work, then continue to do so as it helps you in staying physically and mentally healthy. Also, passive income is always welcome, so count them too.

4. Be smart and invest smartly

Give importance to build a comprehensive investment plan, set your investment milestones, and develop strategies to achieve them. Focus on making rational decisions regarding your finances and assets. Don’t make the mistake of overlooking the taxes, as taxes can give an edge as compared to returns expected from your investments. Cut down your unnecessary expenses and try to save wherever you can.

The smart investment includes investing in Health Insurance , life, and accidental covers of you and your beloved. Old age comes with a risk factor of increased health aliments so as a responsible person, you should prepare yourself beforehand. It is also recommended to get

financial assistance from a good financial advisor as it can help you organize yourself when it comes to planning for the future.

5. “Love” can do wonders

Love here is more in a general way; you must continue to love every small thing that you used to do at your younger age. If you love road trips, pack your bag and go on one. If you love to own a pet, get one. There are several clubs and organizations that you can join to live your dreams and enjoy every inch of it. In all this, always extend your love and spend quality time with your family or partner to keep the spark ignited in your life too.

On a conclusive note, age is just a number; everyone is going to retire someday. Leave the concerns behind. Instead, show excitement about your retirement life by simply following the aforementioned tips. Wish you a healthy and happy retirement!

Health is wealth’, perhaps one of the most commonly used phrases that stand true for all of us. This phrase stands more relevant for elderly people present in our lives. As our body ages to its physical peak, there are increased chances of rising disorders and diseases that come with high costs.

Thanks to the presence of effective senior citizen health insurance policies; today, effective healthcare is no longer associated with heavy medical bills & expenses. This article guides you through senior citizen health insurance so that you won’t disrupt your life-savings & budget. Let’s get started!

Health Insurance for Senior Citizens

It is necessary for everyone to have health insurance but it becomes even more crucial in the case of senior citizens who are prone to falling sick due to the age factor. If you do not have a health insurance policy for the elderly, a simple health issue could turn into a big financial problem. Therefore, it is important to secure the future of the elderly with a good senior citizen health insurance policy.

What to Expect From This Article?

In this article we will discuss the reasons why one should buy health insurance for the elderly who are over 60. This article will also navigate you through the basic features to look out for, to help you find the best health insurance company in India.

Basic Characteristics and Benefits of Senior Citizen Health Insurance

Taking care of the elderly is our responsibility and buying a senior citizen Health Insurance policy is one of the best ways to fulfill it completely. However, things get confusing when you search for the ideal health insurance (the market is filled with a variety of insurance options). Even a simple query on the internet with ‘best health insurance company in India’ yields a number of results which could make it daunting for a first time consumer to choose from.

Well, it won’t be the situation anymore! Listed below are the basic characteristics to help you streamline the search process:

● Tax reduction due to the payment of insurance premiums

● Higher insured benefits

● Coverage of the OPD expenses

● Coverage of daily hospital expenses while admitted and receiving treatment such as usage of equipment like dialysis machines, chemotherapy, etc.

● Free annual health tests and medical check-ups

● Coverage of ambulance fees

● Cashless hospitalization benefits

● Coverage of the doctor’s fees

● Coverage of room charges

● Coverage of medical bills for more than 24 hours’ hospitalization

● Pre and Post hospitalization charges

● Full coverage of declared illnesses/ diseases

● Coverage of Pre-existing illnesses

● Seamless and quick financial settlements

● Hassle-free claim fulfilment

Things to Keep in Mind before Selecting a Health Insurance Policy for Senior Citizens:

1. Medical history: Formulate a well-documented medical history with age, risk factors, pre-existing illnesses et al. This helps in identifying a specific plan since there exist specific plans for specific illnesses. This also helps in availing the maximum benefits.

2. Declare correct information: It is important to disclose all the information and give correct details prior to the purchase of a plan. This is because incorrect or incomplete information can create trouble at the time of filing a claim.

3. Conduct proper market research and make comparisons: It is necessary to search for different types of policies that are out there to find the perfect fit for your elderly parents. Making a comparative analysis is the best way to conduct this search and select the perfect health insurance provider.

4. Insurance premium should not be the only criterion for comparison: While everyone wants to get the maximum benefits with minimum premium rates, it is not right to keep it as the sole criterion while selecting a policy.

Conclusion

Now that we have had a walkthrough of all the basics, we hope that this article will make your work easier while searching for a good health insurance policy.

Tips:

● Look out for a plan that provides value for money in terms of benefits.

● These benefits should also exist within your budget limit.

● Create a clear set of expectations so that you know what to search for.

The importance and relevance of motor insurance policy are increasing day by day in India. The accident rate has not reduced much in recent years, and thus, vehicle owners today are more inclined towards the idea of purchasing a motor insurance policy.

Further, with online motor insurance renewal becoming as easy as a few clicks, it is more convenient and easy for users to pay the dues of their claims. Therefore, vehicle owners can now buy and claim insurance in the easiest and fastest way ever.

Different Types of Insurance Policies

Today, there are various types of motor insurance in India. You can choose the one that is suitable for your vehicle and match your requirements. However, there are some common factors in every insurance policy. Purchase of online insurance, online motor insurance renewal, and claiming the insurance; these procedures are more or less the same across all insurance policies.
Motor insurance policy mostly covers all types of vehicles. Nevertheless, the policies can be differentiated and divided into some categories. Let us look into these categories:

● COMMERCIAL VEHICLE INSURANCE - Under this policy, you get all your vehicles covered. In case of any accident, theft, burglary, and other vehicle damages, commercial vehicle insurance would provide complete financial support. Any vehicle like a car, tractor, truck, taxi, bus, crane, pick-up, etc., is protected with this insurance plan. Commercial vehicle insurance plans offer unlimited financial aid to any third-party injury or damage. It also compensates for the damage done to the third-party. Moreover, it offers facilities for personal accidents and loss and damage protection.

● CAR INSURANCE - Starting from online motor insurance renewal to online insurance claiming, all tasks can be done digitally. Car insurance secures you, and your drive from all the financial pressure in the events of an accident. Further, it also offers assistance for a third-party to the insured person in case of any damage or injury. This policy also covers personal accidents and loss and damage protection. Unlimited third-party liability is also provided. Also, the facility of cashless claims makes it more suitable and convenient.

● TWO WHEELER INSURANCE - These policies cover the cost of damages over scooters and bikes. One of the most cost-effective options for two-wheeler owners, these policies provide you with comprehensive coverage. Besides the facility of online motor insurance renewal is also offered. You can easily extend your claims for 2 to 3 years, without having to worry about your Two-Wheeler Insurance.

● COMPREHENSIVE MOTOR INSURANCE POLICY - This type of policy provides financial support to the insured person and the vehicle and offers financial assistance to the third-party of the registered person. Complete financial aid is offered by this insurance policy. Besides, all types of vehicles (car, bike, scooters, etc.) are covered in this insurance policy.

● THIRD-PARTY INSURANCE POLICY- This policy is suitable for third-party liabilities and covers all kinds of vehicles. It compensates for any damage or injury to a third-party vehicle or person respectively.

These are the main types of motor insurance policies available in India. Now, let us learn about the situations when you are going to get assistance around different policies:

● Road accidents

● Fire or explosion

● Theft and burglary

● Terrorist acts

● Natural calamities (flood, storm, etc.)

● Protection for any third-party damage and injury

● Criminal acts

● Personal accident incidents

Do you know the cases when you may not get any assistance from the insurance company?

Here are the situations when you must not expect any help from the company:

● Any damage is done without an accident

● Ding or dent done after the accident

● When an accident happens because of a drunk driver

● When the driver doesn't have a license

● Damage as a result of radioactive or nuclear accidents

Final Thought

Among these types of motor insurance policies, which one did you choose? Do not forget to select the cost-effective option that facilitates buying, renewing, and claiming the insurance.

Tip: Never claim your insurance policy provider for minor damages to your vehicle. This way, you become entitled to receive benefits of no claim bonus.

Are you passionate about your ride? Own a bike, scooter, or a moped? The thought of gearing up for a long ride or a short spin around the city can be truly refreshing. Especially, when you have a vehicle that provides you with the opportunity to avoid jams and cruise through the traffic.

Today, two-wheelers are the most popular and convenient means of travel for everyday commuters. However, it’s not only about the fun in riding; a rider has to be responsible too! This piece guides you through essential safety tips for your spin in the city or the highways. Let’s get started!

Crucial Safety Tips to Follow When Riding a Two Wheeler:

● Wear a helmet before riding: Wear a helmet, no matter how bad you think it looks. A helmet is the first defense when it comes to a road accident. It protects your skull and the brain and prevents you from getting fatally injured. Helmet usage is linked to a decreased number of fatalities in road accidents. In India, it is mandatory for all passengers on a two-wheeler to wear helmets.

● Maintain your ride’s weight: Make sure not to overload your two-wheeler with more than two people. A two-wheeler is short and meant to transport a maximum of two people. Overloading causes misbalance and leads to accidents like the bike skidding or falling over to its side. Also, ensure that both the persons on the two-wheeler are wearing a helmet.

● Stay alert & focused: Ride your two-wheeler with an active mind. Be in full cognizance of the movement of other vehicles, traffic lights, people, and stray animals around you. Make sure to eliminate any other sources of distractions such as music from the earphones or the speaker. Avoid talking to someone on the phone while on a two-wheeler. In case you are feeling preoccupied or sleepy, choose a mode of public transport.

● Avoid riding in harsh weathers: We strongly recommend you to avoid riding a two-wheeler under hailstorms or heavy rainfall. When you ride in such weather, there are high chances of accidents as the roads are majorly blurry for almost every driver on the road.

● Apply your brakes carefully: Be careful while applying brakes. The sudden application of brakes while the bike is still speeding can cause it to throw the rider off due to inertia. Make sure to apply the brakes only after slowing down.

Some Other ‘Safety’ tools of a responsible rider

A responsible vehicle owner shouldn’t only be riding responsibly but also invest in tools to protect their ride. A good two-wheeler vehicle insurance policy should be the first choice of a smart vehicle owner. Having an acceptable insurance policy for your motorbike is like having a companion that would bear the financial load in case of accidents. Remember, the roads are uncertain, and so are accidents!

Other important safety tips:

● Make judicious use of the rearview mirror to keep track of the traffic

● Do not overtake two big vehicles from between

● Do not over-speed

● Do not overtake a vehicle near a divider

● Use your hands to signal

● Use headlights at night

● In case of slow-moving traffic, make sure to stick to a side

● Maintain a safe distance

● Keep a track of your speed perception

● Make sure to observe the surface of the road ahead

● Wear a jacket and gloves if it’s cold and use your helmet’s windbreaker to keep the wind out of your eyes

As the traditional wisdom goes “it is better to be safe than sorry”.

Conclusion

While these were some comprehensive tips around riding, sometimes, the cause of fatality can be your motorbike itself. Therefore, ensure that you make it a thumb rule to maintain your bike and get it serviced, as and when advised by the service centers.

Besides staying safe on the road and driving responsibly, ensure that you are updated with your Two Wheeler Insurance policy. In a situation when you fail to clear your dues, even the best two wheeler insurance in India won’t have you covered for your financial losses. Lastly, never compromise on the premiums of your motorbike.

Even after the countless campaigns and awareness programs on road safety, the accident rate has not reduced noticeably. India is one of the most accident-prone countries in the world. However, people are still not aware and careful about obeying traffic rules and taking safety measures before driving. Moreover, people refuse to opt for personal accident insurance plans to ensure proper treatment and financial support to their families.

The ultimate solution for road accidents is to maintain your own safety. It is necessary to make yourself conscious first before blaming others. Also, as the accident rate will not reduce drastically overnight, it is recommended to choose a Personal Accident Insurance Plan from all the available options to secure your financial condition after a mishap.

Personal accident insurance plans include all types of financial aids and assistance provided to the injured after an accident. Your treatment will be done properly and your family will get help if you can't generate any income.

The main causes that are responsible for increasing the accident rate rapidly are given below:

● Driving at high speed

● Drinking and driving

● Overtaking other vehicles from the wrong-side

● Not wearing a helmet and not fastening a seatbelt

● Disobeying traffic rules

These are the top 5 reasons for which accidents happen every day. When the causes are identified, it is easy to figure out what we should do to avoid road accidents.

Top Tips to Avoid Road Accidents:

● Control Speed:It has become a trend to drive at high speeds. But every road has a speed limit that you should not cross to stay safe. Also, when there is fog or rain, and the roads are risky, always drive slowly. Strictly avoid overtaking when you are on the highway as a vehicle may come anytime from the other side. So, the foremost condition to stay safe is to control speed and follow the given speed limit.

● Obey Traffic Rules: Traffic rules are there to ensure road safety. If you refuse to obey traffic instructions, then there is a high chance of an accident. Slow down where instructed. Stop when the red signal is on. Use indicator while taking a turn. Let pedestrians cross the road and slow down your vehicle. Control the speed when you see a speed breaker. All these indications, signals, and infrastructures are made for the purpose of maintaining road safety. Thus, you should follow the traffic rules to maintain your safety.

● Don’t Drink and / or Use Cellphone While Driving: Driving needs concentration. Driving while talking on your phone is dangerous. Driving after drinking is equally dangerous. You may not notice the signals and face an accident. You may not only bump into another vehicle but may also hit trees, road dividers, etc. Remember not to drink before driving and also avoid using your cell phone.

● Use Helmet & Seat Belt: Even if you come across an accident, your helmet and seatbelt can minimize the injury. Seatbelts can protect you from suddenly moving from the seat and bumping into something. You stay fixed on the seat and thus, chances of injury reduces. Similarly, in an accident, a helmet can help you to avoid or reduce head injury. Do wear a helmet and fasten your seatbelt according to the vehicle you are driving.

Final Words

Prevention is better than cure! Besides aligning with the precautions, ensure that you opt for personal accident insurance plans to ensure your treatment and minimize the financial strain on your family after an accident. Insurance will ensure this security.

As you age, it's essential to blend in with an active lifestyle to get the most of your life. Interestingly, the thought of an active lifestyle (to a majority of people) is taking up fitness subscriptions. You’ll hardly find individuals determining the ideal health insurance plans in India.

While breaking your sweat at the gym and exercising might do the trick now, it won’t work while your body ages.

Listed below are some of the suggested ways that can help you stay healthy as you age:

● Endorse In Exercises: One of the best ways of keeping yourself active and fit is by endorsing exercises regularly. You can even schedule your activities on an alternate day basis if you're on a rather busy routine. Depending on the health condition you're dealing with, you can plan your workout. For instance, patients with arthritis are suggested low-impact exercises for their legs, and likewise, heart patients are advised to take up aerobic exercises. If you're on a mission to lower your weight, you can take up HIIT workouts that are known to be high in impact and intensity for better weight loss results.

● Invest In A Health Cover: With various Health Insurance plans in India, holding a health cover seems like the best idea to meet unexpected events. You can also get treated for any illness without having to worry about the long-fletched bills. And of course, you can save up on your taxation, which gives you an upper hand in terms of monetary benefits. There are several other benefits that a health cover can give you, based on the policy you choose and the premium you pay. While many just look at it as a type of investment, there is more to it than just that. Holding such an insurance policy is a must to keep your health in check without causing any financial burden.

● Prevent Any Large & Long-Lasting Injuries: One of the essential things to keep in mind is that any extensive injuries caused to you during any incidents are likely to have long-lasting effects. Often, patients with fractures and other joint displacements observe pain that recurs in their old age, especially problems with backbones, etc. What's suggested most often is that prevention and precautions are the best cure. Make sure to look out for slippery floors, adhere to precautions while riding on a bike or other vehicles, and maximize your precautions in every way to enhance your well-being and prevent any long-lasting injuries. Now, you're probably worried and thinking to yourself, 'What can I do in case I get into any such injuries'? There is absolutely nothing to worry about as long as you're covered under medical insurance. Once your injury is inspected and treated by a medical expert, you can further consider physiotherapy for complete healing. And if you've chosen an insurance plan that covers such therapies, then even better!

● Stay Active And Eat Right: Depending on how active you stay throughout your life cycle, you can enjoy the best results in your old-age. The ultimate results are you'll be fitter at an age where people find difficulty even walking around. And we don’t suggest restrictive diet because your body needs all the nutrients. But what's recommended is to keep fried, oily foods, sugars, and such other food items that are likely to harm your body when eaten in excess at a controllable consumption limit.

● Build Your Strength And Balance: Trying muscle strengthening exercises can help you heal faster and grow stronger, rendering your health to be at a favorable stance always. Further, other forms of exercise like cardio can help keep your heart rate in tap and boost your blood circulation. While there are numerous exercises that one can evaluate and take up, building your balance is something that every individual needs to practice. As you grow old, your limbs tend to weaken and that is when your strengthening and balance-oriented exercises comes into practice.

Conclusion

Now that we've analyzed all of the essential aspects that one can put into work to stay fit, you can certainly relish a healthier life through your old age. Remember, you can always be fitter and healthier as long as you're willing to take that extra effort.

What do you think personal accident insurance is? A policy that will take care of your monetary needs if you ever get into an accident or a tool with economic benefit?

Here’s the answer: A personal accident policy is a tool that serves you beyond economic gains. It insures you against death and / or different disabilities, in case of an accident.

In layman’s term, a personal accident insurance policy is a safeguard against any expenses or losses that may incur due to an accident. These expenses can be of the victim or the compensation given to the third party for the losses incurred due to the accident.

Sound important, right? Now that you understand its significance, we’re sure you would want to understand more about how this tool works for you and its benefits. Let’s get started!

What are the types of Personal Accident Policy?

There are two main categories of accidental insurance policy:

a. Individual accident insurance: This policy covers the insurer under circumstances like loss of limbs, vision, or accidental demise of an individual due to accident.

b. Group accident insurance: Group accident insurance is the plan normally offered by organizations to their employees. These insurance claims have limited features and are very basic in nature.

What coverage do you get under this policy?

ccidental Death: A The total sum assured goes to the name of the nominee, in case of accidental death of the policyholder.

Permanent Disability: In case of a permanent disability caused by an accident, the policyholder is entitled to receive a pre-agreed amount.

Permanent Partial Disability: If the accident causes either partial or permanent damage to the insured, the policyholder is entitled to receive 100% benefit of the sum assured.

Temporary Total Disability: If the policyholder meets an accident that causes them to be bedridden for a short span, a pre-agreed amount will be paid to the policyholder.

How does a personal life insurance policy work?

When you buy an accident insurance policy, you will be informed of the procedural aspects of how the claim is to be made for the policy whenever any accident or mishap happens. The procedure explained below is the basic procedure of making claims. There are going to be certain discrepancies in each of the companies’ claim processes. They are not universal.

1. Right after any mishap occurs the first thing you need to do is inform your insurance provider’s customer service. You need to give them the necessary details of the accident.

2. The next thing that will take place is that they will ask for your insurance documents; any family member of yours can provide them. After verifying the documents, the company will immediately carry out an initial inquiry about the accident.

3. They will ask for your claim form after their preliminary inquiry.

4. The rest of the documents like identification, disability certificate (in case of any), next of kin details, etc., are to be submitted to the agent handling your claim.

5. The primary inquiry and scrutiny about the accident are done at this stage. After completing all the paper formalities, the agent conducts a detailed investigation regarding the accident.

6. The final decision of the claim depends on the previous step.

Benefits of personal accident insurance policy-

1. Monetary- Kind of obvious! The major benefit of a personal accident insurance Personal Accident Insurance policy is in monetary terms. This policy covers your hospital expenses to third-party damages. Other perks of having a personal accident insurance policy are disability compensation, vehicle modification, and even family transportation! This is just basic. Truly speaking you cannot even imagine the advantages best personal accident policy in India provides.

2. Psychological- When the personal accident insurance policy covers your huge hospital bills, you are tension-free. Accept it or not! You are relieved at some level, at least psychologically. The perks in monetary terms directly affect the psychological state of the victim and his family.

Final Words

Remember, Insurance policies are not just any decision in your life. It is the decision that will have a huge impact on your as well as your family’s future. Make sure that you choose the option of the best personal accident policy in India. All the best!

Health insurance is a policy that provides financial cover for your medical expenses. It includes both pre-emptive medical care such as routine medical checkups and tests and costs incurred after someone gets sick or in case of some medical emergency. Your health insurance provider reimburses these medical bills.

With the development of the internet, the entire buying, renewal, and maintenance of your insurance policy has shifted online and has become more streamlined and convenient. Further, the advent of technological development has also favored cashless modes of premium payment.

In this article, we will walk you through all the basics that you need to know about health insurance. This way, you can easily navigate through different policies and come across the best Health Insurance in India, to match your needs. Let’s get started…

Major Factors to Consider Before Buying a Health Insurance:

● The policy holder’s requirements (size of the family, members of the family, specific allergies, ailments, and diseases)

● Policy limits (possible advantages, disadvantages)

● Type of plan (Bronze, Silver, Gold, Platinum)

● Market credentials of the insurance provider

● Whether or not the insurance has a cashless network

Basics of Health Insurance

A health insurance doesn't cover all the costs, it only covers what it calls the ‘out-of-pocket’ expenses. These policies are formulated in such a way that it shares costs. After reaching the out-of-pocket limit, the insurance pays the entire cost.

Ways of Cost Sharing Between the Policy Holder and the Health Insurance

There are several ways in which an insurance company shares costs. Each way constitutes a different type of insurance policy. Here are some features of your policy that you should know about:

● The out of pocket limit

● The deductible

● The co-insurance

● The co-payment

Did you know that a cashless claim settlement brings in more money, when compared to other modes of payment? It is useful to keep these little tips in mind before buying and selecting a health insurance policy.

Other Things to Keep in Mind:

● Crucial benefits that are offered to each policyholder

● Should be affordable as per your income

● Certain government-mandated federal standards

● Consumer protection laws

Who Should Purchase Medical Insurance and Why?

Everyone should have health insurance. Medical emergencies and problems are often unforeseen and it is highly unlikely that an average person has a substantial amount of money saved up at all times. Moreover, medical costs are too high, and one usually cannot cover it by themselves. These bills are also directly linked to several financial problems.

Various groups that should invest in health insurance:

● Students: Students can avail their parents’ health insurance till the age of 26. Universities often offer the right health insurance plans. Students who go away to college in a different state should avail of this insurance since their parents’ insurance might not work in another state.

● People with families: Family plans usually have individual as well as family deductibles for each member. The insurance comes into force only after the deductibles have been met.

● People who fall in the lower income slab: Health insurance policies are the best way to cover your costs, without burning a hole in your pocket. People who fall in the lower income slab should consider using this tool to prevent financial losses.

● People who are pregnant: All health insurance policies cover pregnancy and certain prenatal as well as postnatal procedures. Childbirth and maternity care count as essential benefits, and everyone who is pregnant should get a chance to avail of it.

● Senior citizens: All senior citizens, i.e. people of the age 60 and above qualify for the government-mandated health insurance plans.

● People in the military: All active military officers get their health care and their family’s health care subsidized by the government.

● Married people without children: These couples could purchase individual insurance plans instead of a complete family plan. One could also depend on their spouse’s employer’s insurance plan if such a situation exists.

Conclusion

Having health insurance offers loads of benefits. From the above guide, we hope that your doubts about health insurance are solved. Secure yourself today by getting health insurance. Moreover, as you age, health insurance becomes even more important.

Health Cover, is it an option or luxury? Well, it’s a necessity! Having a financial tool that covers your medical bills & saves you from a hole in the pocket is a must.

To begin with, what's a health cover?

Insurance policies are oriented towards your fitness and give coverage to your medical bills and expenses on a payable premium. These health covers are the best ways of saving your big hospital bills, and with passing times, it's turned into more of a necessity.

If you haven't invested in a medical cover, it isn't too late to buy health insurance online. >And if you don't have enough reasons to reflect on why you need one, let's quickly run into some of the essential reasons:

1. Covers All Your Medical Bills:

Here's the top reason why health covers are looked up to by most individuals, it covers all of your unexpected hospital bills. Whether you're pregnant or are considering getting operated on, you no longer need to deal with sky-high hospital bills. It also helps plan your savings better, since you won't have to dig out large medical expenses.
Further, considering some of the best insurance policies that cover hospital bills and other additional expenses oriented with your checkups post-surgery, bills spent on medications, therapy sessions, and much more; it gives you an outstanding deal. It is also believed as the most profitable way of administering your health and fitness, and further keeping it under check.

2. Compare & Choose The Best:

With a wide array of insurance policies facilitated by different providers, you've got comprehensive plans to choose from. Every single policy offered by each provider varies so incredibly that you might want to take your time considering each segment or option that relates to your requirements. Another advantage is that you can also alter or modify a policy as per your needs. Likewise, the premium payable and coverage extended would differ depending on the categories of medical conditions, illnesses, etc., laid down by your health cover.

3. Best Form Of Investment:

If you haven't known this yet, a health cover is a form of medical investment that's sure to bear you excellent and reliable returns in the form of the coverage amount. The market for investments is so broad and prospering, yet medical insurance turns out to form such an inevitable part of it. If you're someone seeking to buy Health Insurance online, you will come across many distinct policies offered even by the same provider. The potential market that it has taken up, proves its ability to benefit you immensely.

4. Tax Benefits:

Talking about how a health cover can benefit you, it isn't just limited to the fulfillment of free medical bills but extends to more leveraged advantages. Have you thought about the amount of money you can save on compliances like tax obligations with your health covers?
Well, you can consider it now! With tax benefits, you can invest in health cover and enjoy the dual benefits of coverage over medical bills and savings made on tax payments. Under the legal compliances, you can get up to Rs. 25,000 as an insurance benefit. This implies if you apply for medal insurance for your entire family of 5, it can reduce your tax obligation by Rs. 1,25,000.

5. Other Benefits:

If you're under the impression that free medical treatment and tax waivers are the only benefits that health covers extend, you’re wrong. While there are numerous policies and providers, their claims, coverage, premium, and other features differ substantially. Some policies cover charges for the ambulance services, expenses post-medical treatment, lower or no limits on the bonus, or discounts implied on your coverage. All of these benefits brought together, make for the ideal health insurance plan.

Conclusion

One can't quite emphasize the need to take a health cover, without giving much attention to your fitness. After all, your well-being is the epicenter of all your day-to-day activities.

Quick Tips before you buy health cover:

● Check the limits and sub-limits.

● Have a look at the options available.

● See if you can get discounts.

● Compare the different quotes by different insurance companies.

You'd love the fact that not many people can say, 'Yes, I ran 42 kms today.' Indeed, of all the races, there is no better ground for heroism than a marathon.

There can be various reasons you might want to train for and run in a marathon, whether you are a veteran jogger who wants to strive toward a new goal or a rookie runner influenced by a friend's achievement of participating in a race.

Although training for and running a marathon can be a challenging and painful experience, there are numerous health, mental, and spiritual benefits.

You may be afraid of getting hurt or in constant pain; that's natural. You can talk to yourself and ask a question, 'Can I do it?' Because deep down, you always wonder what it would be like to put in the time and effort required to train for a marathon, and believe it or not, every drop of sweat is worth the pain.

Following are a few reasons why running a marathon will prove more helpful than you think.

Advantages for your physical well-being:

• It improves your overall health by strengthening your muscles and boosting your immune system. In addition, it makes your heart stronger and helps you maintain healthy blood pressure and cholesterol level.

• You will get more restful sleep as the training for a marathon can be challenging. Our body restores and recovers while we are asleep, so you will surely crave a sound sleep.

• Even if you don't lose much weight, running all those kilometres will tone your legs and impact your lean muscle mass.

Positive effects on your mental health:

• Running during stressful times, according to research, can help you better face life's obstacles by strengthening your mental resilience.

• When it comes to marathons, you can't afford to skip training, so having one on your calendar will keep you motivated to stay on track.

• You'll be a completely different person after you cross the finish line because you'll always know that you have the mental and physical strength to endure, even when you don't think you can or will succeed.

Advantages for your personal growth:

• It will keep you engaged. If you've just had a life transition that has provided you with extra free time, such as retirement, a breakup, a job loss, or a freshly empty nest, now could be the ideal time to take on the marathon challenge.

• Your running self-assurance will almost spill over into other aspects of your life, such as work and relationships.

• Although there will be some difficult times during marathon preparation and the event, it will all be worth it once you cross that finish line.

More amusing benefits:

• Marathon running is an excellent reason to explore a new city or country if you enjoy travelling.

• Suppose you're used to running and racing shorter distances. In that case, training for a marathon will encourage you to find new areas to run because you'll be running a lot and getting bored with the same routes.

• You'll receive something as a reward for your accomplishment, whether it's a medal, a shirt, or a fantastic finish photo.

• You're a marathon finisher once you cross that finish line, and you'll always be one. One will never be able to take that title away from you, and neither your bragging rights.

A consistent long-distance running plan brings many physiological and mental health benefits to marathon participants. Before you start preparing for a marathon, make sure to examine your current fitness level and take the expert advice if required. In addition, it is advisable to purchase a HEALTH INSURANCE policy, especially when you are participating in sports events.

To get the best health insurance, click HERE.

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.

So, you have got a promotion and decided to upgrade your car. When you choose to upgrade your vehicle, the first thing you feel is nothing but complete excitement. However, in reality, it takes more than just excitement to upgrade a car. You might like to consider many other reasons before selling your current vehicle and getting a new one.

You have to introspect on the very first factor: how necessary is it to upgrade your car? Because with upgrades, the cost of maintenance and CAR INSURANCE changes too. Let us help you to decide if upgrading is a rewarding decision for you or not.

1. Budgeting: Car is an expensive and fast depreciating commodity. If you think you have got enough money to upgrade the car, you must decide on a precise budget you can spend on the new car. Another point is the type of car you want to upgrade. See the model, features, and warranty policies of the car and check if it justifies your requirements. Rather than only visual choices like the colour and design of the car, you must also focus on its features and comfort.

2. Monthly maintenance cost: Make sure you can pay the EMIs, maintenance, and other hidden costs with ease without stressing your budget. Car is like a perpetual drain on your pocket. So pay attention to hidden fees like fuel, repairing, servicing, registration, or car insurance policy.

3. Usage of the car: A small to a medium car (preferably electric) would be fuel-efficient and easy to use if you live in a metro city. It is convenient for driving, and you can park it easily. Be mindful that bigger cars require more parking space and can be an everyday hassle if you live in a crowded area with no dedicated parking.
If your family size increases, you need to choose the car with the ideal cabin space to accommodate all your family members and enough boot space for luggage.

4. Higher annual insurance: While the upgradation will enhance your comfort level, it's necessary to consider the impact on your car insurance premium. The higher the cost of the car, the more you have to pay to insure it. Usually, expensive vehicles have very high premiums. Therefore, it's better to estimate the annual car insurance cost than to put sudden stress on your pockets.

5. Smart features: If you are an auto-enthusiast, have a passion for cars, and can afford a luxury vehicle, you should go for a premium car. Try to get some smarter and better features when you upgrade your car. It includes light bars, a GPS, reverse-parking assist cameras, cruise control, auto-pilot, keyless entry, and a better sound system. Safety features like airbags should be the top priority. High-budget cars also bring other safety features like anti-theft alarm technology, anti-lock braking system (ABS), and traction control.
And a final thought before you decide on a model, changing your old vehicle is the best occasion to refresh your lifestyle, but you need to stick to your budget and surf for multiple options. Research thoroughly and find the best deal for the vehicle. By considering the above points, you will not regret the thought of upgrading your car.

Are you looking for a Car Insurance policy? To know more about it, click HERE.

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.

Starting a new job or getting transferred to another city is stressful already. What adds more to it is the requirement to move away from your current city. The transition is exciting, but at the same time, when you imagine the severity of the relocation process, you feel daunted. Naturally, it will be a bit on the tougher side to figure everything out by yourself.

Shifting to a new city means finding a place to live, adapting to the type of weather, language, people, food, lifestyle, and culture. While some like to experience the newness of a place, others find it challenging to accommodate themselves. Either way relocating is nerve-wracking.

Here's a quick guide to making relocating easy for you.

1. Logistics: The very first thing you must plan is shifting your belongings. Whether it is your personal valuables or simply your furniture, these are the things that cannot be left unattended by just anyone. Therefore, choose a trustworthy packers and movers company with a good reputation for helping you migrate your stuff. To search for the best packers and movers in your vicinity, customer reviews or company ratings available on the internet can be of great help!

2. Prepare a budget and checklist: Keeping your expenses in check isn't simple at all in such hurried times. Hence, preparing a budget for every payment caused will help you save some bucks and refrain from spending on redundant things. It will also aid you in attending transactional details. Similarly, creating a checklist will ensure not leaving anything behind for the last moment hassle.

3. Acquaint the location: It is better to have some knowledge about the city you are planning to move to. Find a good home broker or take your network group's help for some references already living there. Making contact with the locals beforehand, such as your colleagues and people in your society (if you have found an apartment), will prove helpful when settling in the new city.

4. Traveling arrangements: After checking out all the boxes mentioned above, the last thing that remains is how you will get there. If you plan to take a flight or train, ensure you book it before time and not at the eleventh hour. This will not only secure travelling but also get your money and time saved.

5. Insurance for your goods: It is highly recommended to secure your goods and chattels with transit insurance before having them packed and moved. No one can guarantee zero damage to the goods that are to be shifted, but you might be able to cover the loss by getting paid for it. The transit insurance policy covers all possible perils to the items. Whereas for things like your vehicle, get CAR INSURANCE to prevent damage cost.

On a conclusive note, migrating to a new city is not the same trouble as it used to be decades ago. With all these services and networking through various platforms, it has become convenient to plan out relocation. However, everything seems to fall short when you are actually at it.

Hence, we came up with a list of things to assist you in your new start hoping that it will help. Wish you a Happy Moving!

To get the best car insurance Motor Insurance, click HERE.

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.

Roughly around six million people are flying somewhere every day. Air travel has become a necessity for most of us for multiple purposes; study, work, holiday, and different other reasons.

Air travel brings in a different excitement of seeing the world from a bird-eye view. But some of us are still terrified of travelling on an aeroplane. Air travel is not an easy game for all. These are all signs of aviophobia, from feeling groggy to having a panic attack during or before a flight. And this fear and anxiety can hold you back in your life. With that in mind, here are a few tips to help you overcome the fear of flying before and during your flight.

1. Recognize your fear: Extreme avoidance of planes or anything in association with flying like airports is considered the fear of flight. According to psychologists, people with severe aerophobia organize their life around avoiding flying. When stepping onto a plane, you may be afraid of a single or a range of things like noises and sensations during takeoff and landing or sudden or prolonged turbulence. Therefore, it is crucial to figure out what triggers your flight-related anxiety so you can take steps to anticipate or avoid it.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

2. Distractions can be saviours: Keep your mind off it. Many people can sleep the moment they are on a plane, but typically, people with aerophobia find it difficult to relax, let alone sleep. Therefore, to keep your mind occupied, we suggest you pack many distractions. Of course, it is sometimes impossible to concentrate on something when you have high levels of anxiety. But stuff like music, movies, books, magazines helps you pass the time and refrain from overthinking.

3. Educate yourself: If your aerophobia has got nothing to do with other phobias, then you are probably paranoid thinking anything, and everything is going wrong with your aircraft mid-flight. Instead of indulging in scary, unrealistic fantasies, educate yourself on some other interesting stuff, such as the reasons behind the switched-on seat belt sign. There are multiple resources offline, and online that educate you on what happens during different flying conditions. YouTube videos are always a great help. Many airline employees like pilots and air hostesses have their channels to explain how turbulence is uncomfortable and what safety measures are taken from their side that you might not know.

Of course, worrying about a person's well-being while flying is digestible, but it would be best if you did not fuss over the possible financial loss as there is online GENERAL INSURANCE available to secure your valuables.

So, are you ready to work on your fears to enjoy a good flight this year? For sure, it won't be easy at first, but eventually, you will overcome your fear. Some techniques may be helpful to you, and some downright not effective. So, you might want to experiment a little to find a strategy that works best for you.

Click HERE to know about health insurance policies that are the best for you!

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 two-wheeler insurance policy covers the cost of repair and replacement for your bike or scooter. It includes theft of the two-wheeler and damages to the bike that involves paid repairing. The insurance can also provide personal accident coverage, including accidental death and partial or total disability due to the accident. You can also opt for personal accident coverage of the pillion rider if you often ride with a pillion rider. Personal accident coverage can also include paid riders if the bikes are used for commercial purposes.

Here we talk about what all is insured if your bike encounters an accident, if you have existing two-wheeler insurance for your bike:

• Accidental death –

Accidental death coverage takes care of the financial difficulties that the surviving family faces in the event of the policyholder’s demise. This coverage is extremely beneficial for families where the policyholder is the sole bread-winner, and the family is financially dependent on him/her. The accidental death coverage acts as a supplement to the term insurance policy that the policyholder may have purchased.

• Disability compensation –

A disability to the policyholder also affects the financial position of the policyholder and his or her family. The earning capacity of the policyholder may get compromised in case of a partial or total disability. This part of the two-wheeler insurance coverage addresses these concerns by earmarking a sum assured for disability.

• Hospitalization Expenses –

Many two-wheeler insurances provide a cash allowance to meet hospitalization costs in case of a two-wheeler accident. This cash allowance can also be claimed if the policyholder is required to stay at the hospital to recuperate from injuries sustained in the accident. Most insurance companies offer cash allowance for a specific number of days that is stipulated in the policy.

• Own damage coverage –

A basic third party coverage will not cover the damage to your bike. However, comprehensive two-wheeler insurance covers any type of damage that can happen to the policyholder’s bike in the event of an accident or a natural calamity. This policy covers all man-made and natural damages to the bike, along with third-party coverage. Insurance companies also provide cashless repairs facility and maintain a network of garages where you can avail of this facility. If the bike has been in a road accident, the policyholder can make the claim through traditional paper mode or opt for a video claim facility if provided by the insurer. The policyholder can make reimbursement claims even if repairs are carried out in a non-network garage.

• Third-party insurance –

Two-wheeler accidents can damage not just your own vehicle but also damage or injure a third party. This is why insurers provide coverage of a specific amount in case of damage to a third party. Besides, the disability and death of a third party are also covered in most third party insurance.

Do note that personal accident coverage is compulsory for all Two-Wheeler Insurance policies. Therefore, any harm to self in case of a motorcycle accident is sure to be covered under your existing policy. On the other hand, not all types of two-wheeler accidents are covered by a typical motorcycle insurance policy. These are unusual causes such as self-inflicted injuries, riding without a driver’s license, riding under the influence of drugs or alcohol, riding as a part of hazardous or criminal activities, riding outside geographical limits of the policy, and so on. In other words, a comprehensive two-wheeler insurance with a reliable insurer covers all the possible damage and harm resulting from an accident.

As large scale infections sweep the nation, there is a massive demand for COVID-19 related medicines and vaccines, apart from the surge in demand for Health Insurance Online . Strong immunity is vital for keeping COVID-19 successfully at bay. Luckily, apart from Zinc supplements and Vitamin C tablets, there are several readily available food items with which you can build immunity.

Here are some foods that will help strengthen your immunity to fight everything from a common cold to more concerning ailments:

1. Tulsi – Also known as holy basil, Tulsi is a highly regarded herb in Ayurveda. It is a rejuvenating herb that enhances your respiratory system and has expectorant properties that help keep your lungs clean. You can chew a few Tulsi leaves every morning or mix them with your cup of morning tea.

2. Garlic – The spice trinity of the Indian kitchen - garlic, ginger and turmeric - all find a place in our list of immunity boosters. Garlic has been used to fight infections for ages. It is known to prevent artery blockages and helps prevent cold. Garlic contains the compound allicin, which in turn contains Sulphur that is an effective immunity booster.

3. Ginger – Ginger is commonly used for inflammatory conditions, nausea and sore throat and is a well-known antioxidant. Apart from its popularity as a spice, ginger is also popular as an additive in tea.

4. Turmeric – The presence of curcumin makes turmeric a great candidate for antiviral immunity boosters. Turmeric has been used through the ages for muscle damage and inflammations from osteoarthritis and rheumatoid arthritis. Luckily for Indians, we consume sufficient turmeric in the form of a powdery additive in our curries, vegetables and gravies.

5. Citrus fruits – An umbrella term for oranges, tangerines, limes, lemons, grapefruits and pomelos that we are so fond of, citrus fruits are a rich source of Vitamin C. Vitamin C increases the production of white blood cells, which help the human body fight infections. Vitamin C is not produced by the body, nor can it be stored. Regular consumption of rich sources of Vitamin C (or citrus fruits) can also speed up recovery from cold and flu.

6. Broccoli – Most children would not be happy about this, but broccoli is a rich source of Vitamins A, C and E, folic acid, fibre, minerals like iron, potassium, calcium, magnesium, and antioxidants like sulforaphane. Easy to consume and digest, broccoli is one of those versatile vegetables that help build immunity, reduce the risk of heart disease, promote stronger bones, and better eyesight.

7. Spinach – Spinach is an excellent source of beta carotene, which helps our body fight infections. It contains Vitamins C and E which help strengthen immunity. It contains flavonoids which are known to be effective in fighting the common cold.

8. Green tea – Flavonoids are also found in green tea and black tea. Additionally, green tea contains the powerful antioxidant Epigallocatechin gallate or EGCG, which is highly effective in boosting immunity. Green tea helps in the production of germ-fighting compounds due to the presence of amino acid L-theanine in it.

9. Ghee – This is one of the most easily available items in the list. Ghee can be spread generously on chappatis or added to rice and curries. Although many people think of it as fattening, ghee is actually a good source of healthy fats, aids digestion, and is excellent for skin and hair. It contains Vitamins A, E and K, and omega-3 and omega-9 essential fatty acids.

10. Indian gooseberry (Amla) – Amla is a powerhouse of nutrients and is loaded with health benefits. It contains 20 times more Vitamin C than oranges and is an excellent aid for digestion and colon cleansing.

Our health insurance takes care of us when we fall sick (check for health insurance online today). But our food habits can ensure that we rarely fall ill. Luckily, our world is filled with fruits, vegetables and natural foods rich in nutrients, which offer an organic way of strengthening our body. In these tough times, let us embrace nature and enrich ourselves with its goodness.

COVID-19 has upended the lives of billions of people around the globe. People have been restricted to their houses for months on end, and personal and professional habits have changed considerably. It is only over the past few weeks that things might have started getting back to normal with the vaccination drives ramping up, but certain habits are here to stay. Some of these habits are related to driving. Since most people who own a personal vehicle are bound to use it for their daily commute once workplaces are reopened, it would be prudent to understand how you can protect your car from the COVID-19 virus.

Sanitizing:

The most obvious way to protect your car from COVID-19 is by sanitizing all possible surfaces in your car. It is essential that you make a note of all the surfaces that you are likely to touch inside your car while driving. This includes the steering wheel, manual gear, belt buckle, glovebox, and dashboard. Make sure that you use a medically certified alcohol-based sanitizer to clean these surfaces before you start driving. Sanitizing surfaces is the most important step that you must regularly take whenever you take your vehicle out.

Cleaning Fabrics:

Apart from regularly cleaning polymer and leather-based surfaces on the interior of your car, make sure to clean the seats and other fabric-based surfaces from time to time. There are currently no recommendations on the kind of liquid to use when cleaning these fabrics. There are several soaps and liquids that claim to purge viruses from fabrics, but these are seldom medically certified. It is sufficient to use regular soap and water to clean your fabrics for now since these also help wash away any external elements from the fabric of your seats. It is prudent to recall that when you buy Online Car Insurance , it often includes periodic servicing, which is a great feature to take advantage of for cleaning your car.

Using a Microfiber Cloth:

While it is good to clean your seat fabric and other interior surfaces of your car, it might not be practical to do this often, for example, every time you step into your car. It might be much more practical to use a microfiber cloth for cleaning. This may be a dry microfiber cloth or a damp cloth that cleans surfaces thoroughly. Non-microfiber cloths often leave scratches and marks on surfaces when they’re used for cleaning. Microfiber cloths contain minute loops that trap dirt particles in them and prevent them from causing scratches.

Wash Your Hands:

Perhaps the most important part of keeping your car and other surroundings safe from COVID-19 is to keep your hands clean. Wash your hands before you step into the car and sanitize them after getting in. This is very important to ensure that you don’t inadvertently end up acting as a vector for COVID-19 for your car or the people around you.

COVID-19 is a once-in-a-century pandemic, and it is essential that we all stay safe from getting infected and keep our surroundings hygienic enough to reduce the risk of infection. The above steps will go a long way in ensuring that your car does not become a carrier of the coronavirus. Alongside these steps, do not forget to follow the personal sanitization steps to contain the spread of the coronavirus.

It is known that COVID-19 infections spread faster in places where people come in proximity to one another. Therefore, one would need to be cautious about the threat of infection, especially in offices and other closed workplace settings. There are many commonly used areas in the office like canteens, conference halls, meeting rooms, elevators, parking lots etc., where the chances of infection are much higher. That is why every office-goer needs to consider these risks and exercise utmost precaution while in office.

While health insurance (check for health insurance online today) stands out as a basic personal precaution, there are many precautions one can keep in mind to prevent the spread of COVID-19 in office spaces. It includes general precautions like:

● Maintaining a minimum distance of 2 yards or 6 feet from others.

● Wearing a face mask or cover at all times to cover your nose and mouth. Also, remember to avoid touching these areas of your face with your fingers.

● Washing your hands with soap or using an alcohol-based hand sanitizer regularly, particularly after touching foreign objects and common surfaces.

● Covering the mouth and nose while coughing or sneezing. Spitting should be avoided altogether.

● Monitoring health and reporting it timely whenever required.

● Using the Aarogya Setu app for timely medical response and COVID-19 awareness.

Here are some precautions that can help prevent infection in office premises:

● Mandatory hand hygiene and thermal screening should be installed at entrances. Employees or visitors with suspected medical conditions should be barred from entry.

● Work-from-home should be permitted for people living in containment zones.

● Service providers such as transport and housekeeping should maintain similar rules regarding containment zones.

● Office vehicles should be disinfected at least twice a day with a 1% sodium hypochlorite solution or spray.

● Aged and pregnant employees and employees with medical conditions should not be exposed to front line work.

● Officers, staff, visitors, valet parking personnel and all other support staff should be wearing masks at all times. Valet parking personnel must also wear gloves.

● Keys, steering wheels, door handles etc. of all office vehicles should be disinfected.

● Proper permission and screening of visitors must be made compulsory.

● Meetings must be conducted over video conferencing as far as possible.

● Awareness of COVID-19 should be promoted through standees, posters and audio-visual presentations

● Crowd management within and outside office premises should be ensured, with adequate physical distancing norms.

● In case of queues, physical distancing norms and marking signs should be put in place.

● Washrooms must have an adequate supply of sanitizers, soaps and running water.

● Restrictions on the number of people using elevators at the same time must be adhered to.

● A temperature of 24-30 ℃ and relative humidity of 40-70% should be ensured in office air conditioning.

● There should be adequate cross-ventilation within the office.

● Large physical gatherings should be avoided.

● Sanitation should be maintained in washrooms, drinking water stations, and hand wash points.

● Commonly used places like doorknobs, elevator buttons, benches, handrails, and bathroom fixtures must be regularly disinfected with a 1% sodium hypochlorite solution or spray.

● Cafeterias and canteens should have their staff checked for temperature and respiratory wellness. Crowd and queue management should be ensured with adequate social distancing, including seating arrangement.

In case health issues or signs of infection become apparent, the office should:

● Facilitate isolation for the unwell person till medical attention is available.

● Inform the nearest medical facility, and confirm availability of cashless Health Insurance Online , if possible.

● Disinfect the places used / visited by the infected person in the last 48 hours, in case of one or two cases of infection.

● Disinfect the entire building or block in case of a large number of infections.

While making efforts to control the possibility of infection, offices should also work to dispel social stigma and show consideration towards the mental health impact of isolation and infection on their employees.

As millions of people have learned over the past year, time spent in quarantine can be an absolutely harrowing experience. While your physical health may not be impacted if you’ve not been infected or had a mild version of it, it can have a tangible and perceivable impact on your mental health. Human beings are inherently social animals. We love talking to each other and being in each other’s presence. Our survival depends on the cooperation between other humans and ourselves. So, when we are suddenly reduced to being in the company of nobody but ourselves, surely the effects would be felt.

If you and your family are in quarantine or any of your family members are isolated, here are some ways to support them and take care of their mental health:

Stick to a Timetable –

Even though we know the benefits of having a timetable, we are not used to adhering to these timings. Although many aspects of our lives depend on these routines, it is easy to allow mundane, every day things to get in the way of these schedules. However, the importance of a timetable cannot be understated when you are in quarantine. Having a timetable gives you something to look forward to for the entire period of your isolation. Try to pack your timetable with many fun activities to keep you engaged every day, such as reading, painting, playing an instrument, etc.

Inculcate Physical Activity –

Your physical health has a definite and perceivable impact on your mental health.

 This is why when you build a timetable, it is a good idea to include some kind of physical activity into it. Since you would mostly be confined to a room, make time for some light exercise once or twice a day. This does not need to be high-intensity exercise; just enough to keep your blood circulating and limbs moving. Exercise helps release endorphins, a very important hormone that keeps your mood up throughout the day.

Communicate Frequently –

Being in quarantine means you cannot step out of the house. Kids cannot go out to play, and you cannot go out for work or even to meet your friends and relatives. However, not being able to meet others in person doesn’t mean you cannot communicate with them. Make sure to call your loved ones frequently over video calls as well as phone calls. Quarantine can often make one feel like the distances between people are increasing. Relationships can be brought closer together simply through regular online interactions.

Limit Consumption of News –

News today is full of distressing stories of people getting infected, suffering, and losing the battle with the pandemic. Following the news closely for extended periods, especially if there are kids in the house, can be a bad idea. Negative news tends to make one feel morose and drastically reduces productivity. It is important to have an atmosphere of positivity in the house, especially during these days. One simple step is to reduce the amount of time spent watching or reading the news, and only follow it on your personal device. Let communal devices such as the television be for entertainment with the family.

Along with the above steps, to maintain your mental health, it is important to guard yourself against the virus. It would be wise to buy Health Insurance Online to ensure that you have additional cover in case the virus enters your bubble.

It is pretty easy to get insurance for new two-wheelers. Several dealerships provide a complimentary 1 to 5 year insurance plan when you buy a two-wheeler. But, what if you are planning to buy insurance for an old two-wheeler? What is the process of purchasing 2 wheeler insurance for an old vehicle? What documents and checkboxes do you need to figure out?

Let’s follow the below mentioned tips to find a two-wheeler insurance policy for an old vehicle.

1. Search your plan online:

The first step is to do some research work to get all the information pertaining to a 2 Wheeler Insurance for an old vehicle. While looking at the various insurance plans, make sure that it satisfies all your requirements. Go through all the terms and conditions, claim settlement process, renewal of the policy, premium, and information about the add-ons. You can do all this simply and remotely from your home or workplace by searching on the internet.

2. Gather all the required documents:

When buying insurance for an old vehicle, the proper documents play an essential role. These documents are valid proofs regarding the ownership of the vehicle and its physical condition. Keep the below-mentioned documents handy that are made mandatory by the Insurance Regulatory and Development Authority of India:

a. Original registration papers of your two-wheeler

b. Personal details and associated documents regarding nationality and address proof

c. Brief inspection analysis report of your vehicle.

You can also get an idea of the premium that you will have to pay for your vehicle based on the insurance plan and add-ons you select. There are many premium calculators available online. You need to pick the one having a good rating, then enter necessary information like:

a. Registration details of the vehicle

b. Model number of the vehicle

c. Current policy details (if any)

3. Read the policy carefully and proceed to make the payment:

After completing the documentation process, it is important to verify the policy documents before making a payment. Check all the details thoroughly, and you can now proceed to the payment gateway. Once you pay your policy premium, you will receive your 2 wheeler insurance policy receipt and documents through your registered email.

Note – Please have a fact check done about the company, such as CSR (Claim Settlement Ratio), time taken to process claims, testimonials from the customers and the company policies carefully before you buy an insurance.

There are few important things to be taken care of while buying a two-wheeler insurance policy for your old vehicle:

1. Note the date of manufacturing of your vehicle to get the correct premium

2. Calculation of the Insured Declared Value (IDV) of your vehicle

3. Derive the premium expected (premium lowers as the age of the vehicle increases)

Note – Don’t commit the mistake of declaring a lower IDV just for the sake of availing a lower premium. This will cost you heavily if your vehicle faces massive damage as you will not be able to claim the actual damage compensation.

No matter if your vehicle is old, it too deserves the best treatment and care. Gift your old vehicle the best available insurance coverage to help it serve you actively for more years to come.

Wish To Buy The Best Insurance Plan For Your Old Vehicle? Click Here…