GENERAL INSURANCE BLOG

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.

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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.

An engine is the core of our car, and you would want it to be in perfect shape every time you turn on its ignition. An engine tune-up consists of checking, diagnosing, and fixing minor problems that come up in the engine with regular usage of the car. This process includes checking the spark plugs, wires, distributor caps, air filters, oil filters, fuel filters and wiring, etc.

Regular engine tune-up helps extend your car's life and increase its efficiency. Let's understand how you can get your car's engine tune-up done.

When do you need a tune-up?

The odometer is the first and foremost thing that can tell us that your car's engine needs a tune-up. If your car has completed the minimum number of kilometres specified by the vehicle manufacturer, after which an engine tune-up becomes due.

Other signs that can indicate that an engine tune-up is required are lack of power and pick-up, decreased fuel mileage, erratic running, problem in starting, malfunctioning lights flashing on the dashboard, etc.

How can you get your car's engine tune-up done?

You should always go to an authorised service centre recommended by your car manufacturer for an engine tune-up. Any outside service provider or mechanic should never do your car's engine tune-up, as it may null and void the engine warranty.

The basic steps for an engine tune-up are as follows:

1. Replacing plugs and wires:
The first step in an engine tune-up is thoroughly checking the ignition system and its functioning. The spark plugs, coils, plugs, wires, and any other electrical part that helps in the car ignition are to be inspected.
For example, ignition wires can break down or wear out with usage. It can result in misfiring, performance loss, rough idling, and, eventually, making your car cylinder dead. Similarly, we need to check whether the ignition coils are in good shape and working properly. It can also lead to engine misfiring, poor acceleration, low fuel mileage, etc.

2. Filter change:
There are various types of car filters, such as oil filters, fuel filters, air filters, and cabin filters. Timely cleaning of filters is essential for improving engine performance and efficiency. If the filters are dirty, the engine will toil hard to get the required air, fuel, or oil, thus making it choked and perform poorly.

3. Belts and hoses:
All hoses need to be checked as they transfer vital fluids across the engine. Any disruption in the hoses will result in engine malfunction. Similarly, we need to check various belts that help the engine to run efficiently as they wear down, turn brittle, crack and eventually break with time and usage.

4. Right liquids:
For a car engine to perform perfectly, it needs a variety of fluids in perfect proportion, such as engine oil, coolant, brake fluids, power steering fluid, transmission fluid, etc. There is a regular change interval for each of the fluids. The change also depends on your car usage.

If you use your car regularly and run around a lot, you will need to change these fluids frequently and vice-versa. If you do not change these fluids timely, they can lead to engine malfunction and even breakdown.

Regular and timely engine tune-up is very important for keeping your car fit. It ensures that your car runs efficiently and its heart- the engine is in perfect shape. It also helps to increase the life of your car.

To address the car's safety, you must purchase a private car insurance India policy. It protects your car from any damage or loss that it may suffer from fire, theft, accidents, natural disasters such as earthquakes and floods, etc. It also provides coverage from third-party liabilities. Hence, you must choose the right insurance service provider to provide adequate coverage and protection in times of need.

Click HERE to buy private car insurance India.

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

Cars are almost our second home as we spend 2-3 hours daily commuting in them. Most of us love to go for different types of fancy car accessories available in the market. Accessories make our car ride comfortable and convenient. Also, they add style to the car and make it look sportier and cooler.

But, do you know that a few accessories are mandatory by law, without which you cannot drive on Indian roads and can be fined. Let us explain them to you:

1. High-security number plate:
High-security registration plate or HSRP is mandatory to be used on your car along with the colour-coded sticker that comes with it. We cannot install fancy number plates with fashionable fonts just to make our car look stylish and unique. HSRP has been made mandatory in India from 1st April 2019.
This number plate is made of aluminium and cannot be removed from a vehicle once installed. It also has a unique 10-digit permanent identification number (PIN), so it cannot be cloned or copied. If you do not have an HSRP on your car, you can be fined anywhere between INR 5000 to INR 10000, depending on your state. Also, repeat offenders can be charged a compounding fine of INR 5500.

2. Lights:
You will be surprised to know that there are rules regarding the various types of lights you use in your car. These lights include car headlights, sidelights, tail lights, and registration plate lights. According to the Motor Vehicles Act, functional headlights, sidelights, taillights, and registration plate lights are mandatory.
Non-functioning lights can make you go blind at night, or vehicles approaching from the other side may not see you. In either of the cases, you may meet with an accident. You can be fined if any of these lights are not working properly, as this can be hazardous for you and other vehicles on the road. .

3. Rear and side-view mirrors:
Rear-view mirrors are a mandatory accessory for your car as per sections 5 and 7 of the Central Motor Vehicles Act. You can be fined for not driving with a rear-view mirror. Similarly, police can penalise you if you drive around without side-view mirrors or if they are folded!

4. Horn:
Cars must have an electric horn that can warn other vehicles around them that they are approaching. Driving your car with a faulty horn can attract a fine of INR 500 for the first time and INR 1500 for every subsequent offense. However, the fine amount can vary from one state to another.

5. Wipers:
Wipers are essential because they are the key tools for visibility during heavy rains. Driving without wipers is illegal, and you can be fined for that. If you get stuck in heavy rain without a wiper, you will not be able to see anything in front of you clearly, and there will be a high chance of an accident.

You can have a long list of fancy accessories to make your car stand out from the crowd, however, you should not neglect the above list of mandatory accessories required by law. Travelling without them can attract fines and penalties.

Renewal of motor insurance timely is also mandatory by law. Driving your car for a day after your motor insurance expires is also illegal. Do not delay the renewal, as you can conveniently get online motor insurance renewal without visiting the insurance office. Be safe, be protected.

Click HERE to get the 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.