GENERAL INSURANCE BLOG

Being a mother is not easy, and if you are a working mom, it becomes even more challenging and overwhelming. Waking up every morning, dropping your kid at daycare, commuting to your office, working there for at least eight hours, buying groceries on your way back to pick up the kids, and going home again only to work more can be physically, mentally and even emotionally exhausting.

Managing your responsibilities to your child, your career, your social life, and trying to find some time for yourself at the end of the day is challenging and will leave you with a tiring schedule. The feeling of being stuck in an endless routine of stress and bare minimum sleep can adversely affect your health.

And in times like these, when you need more energy than ever, there are stories of a few inspiring moms who have proved that nothing can stop you from achieving any milestones in your life if you master your command over situations.

So, what is the secret to managing stress and having an efficient work-life balance for working women? Not just the work-life balance, it has to be the blend of both. Let's tell you how you can achieve that.

1. Involve your kids:
Many parents have the habit of starting household work only after their kid’s bedtime, which only delays things. So, do not be hesitant to complete your routine work even when your kids are awake. You will be surprised by how much time you can save this way. Sure, you can’t do everything with your kids around, but do not get delayed to do basic tasks.

2. Your partner:
Do not forget that your partner is equally responsible for raising the child and fulfilling their duty as a co-parent. Raising a baby alone is very challenging, so it is only understood if you and your partner share the work, like:

• Both partners should take turns dropping and picking up their children from the daycare or school.

• If you have a small baby who wakes up in the middle of the night, alternately wake up with it so both of you can get some rest.

• Love is all about caring and understanding. Cherish the most beautiful moments of life and team up with your partner to swiftly manage all the odds.

3. Bring your child to work (only if it is permissible):
Familiarize them with what to do. Allow them to understand and see your workplace. Introduce your children to your coworker’s kid. This is all very helpful.

The most important thing that you should never forget is to take out some time for yourself. Remember to prioritize yourself and your desires, too, because, in the end, if you feel miserable, there is no way you can take care of everyone else.

Even if you are feeling completely worn out, don’t skip meals or jeopardize your sleep hours in a day. Never compromise your mental or physical health for anything. Another crucial aspect that can keep your stress away and ensure your overall well-being is getting health insurance coverage for you and your loved ones. Stand a chance of getting exciting deals and incentives by buying online health insurance from insurance firms to keep the financial worries related to medical treatment at bay.

Click HERE to get online health insurance quotes.

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 are driving a motorbike or car, having a valid licence is mandatory. Most driving licences are issued for approximately 20 years or until the driver turns 50 years (whichever is earlier). Therefore, you need to renew your licence once it expires. Note that your driving experience and capabilities during your previous licence will not be considered for the renewal of it. Additionally, if you do not renew your licence until a year after the licence’s expiration, you will have to go through the entire process of getting a licence again.

Moreover, your driving licence is valid up to 30 days from expiration. Gone are the days when you had to stand in a long queue at the RTO’s office for the renewal of your licence. Due to covid’s second wave, the government issued a hassle-free way to apply for the renewal online in just a few simple steps.

No matter which state you reside in, you can easily apply for renewal from the comfort of your home. Continue reading the blog to discover all the vital steps you can take to get your licence renewed.

Steps to renew your driving licence online:

Step 1: Visit the official website of Parivahan Sewa Portal of MoRTH (Ministry of Road Transport and Highways) by clicking HERE
or head to HTTPS://SARATHI.PARIVAHAN.GOV.IN/.

Step 2: Next, enter your state’s name on your screen.

Step 3: You will now be redirected to the page with various options. Select “apply for DL renewal.”

Step 4: Now, a page with instructions will appear. Carefully read each instruction to avoid committing any mistake.

Step 5: Click on “continue” at the bottom of page and proceed further to the application form.

Step 6: Now, fill your application. Enter your previous driving licence’s number and date of birth and click on “continue.” Fill all the details and provide information as asked on your screen.

Step 7: Depending on your state, you may also require to upload your signature and photo.

Note: If you need to make changes to your medical certificates, you may have to book a time slot to undergo the RTO test.

Step 8: Now, the site will take you to the acknowledgement page, where you can see your application ID. Additionally, all the application details will be sent to you through SMS on your registered mobile number. Make sure you print out the acknowledgement for future reference.

Step 9: The final step is to make the payment and verify your payment status. You can pay through a debit or credit card. Usually, the fees may vary from one state to another.

Simply follow the above steps to renew your existing licence in a fast, convenient, and hassle-free way. Never drive a vehicle without a proper licence. If you are caught driving without a licence and valid insurance papers, you will be fined with penalties. Be a responsible driver; keep all your essential documents ready with you at all times, including your car’s insurance papers. If the insurance is due, make an online motor insurance renewal to ensure the benefits of your policy and protect you against any mishaps.

Click HERE to get the best quotes for 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.

Following year-long debate and discussions, the Indian government finally allowed CNG kits for two-wheelers as well. Interestingly, CNG kits can efficiently be installed even in mopeds with about 81.75 cc to 136.25 cc capacity. However, there are some restrictions on the installation of CNG kits in two-wheelers. ICAT and Automotive Research Association of India (ARAI) respectively approve only Euro-III-type automobiles to install these CNG kits.

CNG costs much cheaper than petrol or diesel and gives clean fuel to two-wheelers. This suggests that converting your two-wheeler into CNG will prove to be economically practical.

Advantages of installing CNG conversion kits:

• Natural gas is a cheaper alternative to petroleum as it costs almost one-third of petrol in some states of India. Natural gas is as cheap as 49.40 rupees per Gasoline Gallon Equivalent (GGE).

• CNG is less harmful to the environment than petrol. Compared to petrol and diesel, natural gas emits much less hazardous pollutants and hydrocarbons, thereby reducing the adverse effects of harmful emissions on the environment and human health.

• When compared to gasoline, CNG produces fewer toxic carbon deposits when burned. As a result, the engine is cleaner and more efficient. It removes the carbon deposits that taint the oil, reducing the need for oil changes.

• India has a well-developed pipeline network and abundant natural gas reserves. Switching to CNG fuel can help our nation to be less reliant on the import of oil.

• CNG can save your bike from getting green taxes. Vehicles that pass the automated fitness centres test are given a green tax at the time of registration. However, vehicles with CNG kits are exempted.

Disadvantages of installing CNG conversion kits:

• CNG tanks require more space. As a result, you may have to give up some room off your two-wheeler. In addition, a CNG cylinder can be a little heavier, which can be a difficulty in the handling of the two-wheeler.

• There are a limited number of CNG filling stations. Therefore, people who live in places with no easy access to CNG filling stations won't find CNG conversion the most efficient option.

• The cost of a CNG kit and the initial installation is high that refrains a decent population from installing these kits on their two-wheelers.

Experts believe air pollution will substantially decrease if more two-wheelers owners decide to switch to the CNG option. With global environmental issues bringing new challenges time and again, finding greener solutions and implementing them is a need of the hour.

Installing a CNG kit in your two-wheeler is not enough to improve the mileage and save additional expenses. Another thing to consider about CNG fitted two-wheelers is the expensive repair cost in case of an accident. Therefore, you require extra protection of a 2 wheeler insurance. Check out Magma HDI’s 2 wheeler insurance online and make your journeys stress-free and financially safe against adverse situations.

Environment-friendly and sustainable practices can be our first step towards a secure future. If you’re ready to compromise with the minor discomforts and consider pollution as a bigger threat, then switching to natural alternatives is the best choice that you can make!

Click HERE to get your 2 wheeler insurance online with us.

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 city, highways, and the sky above look much more beautiful at night. And, driving alongside the stars and the pleasant winds is a memorable experience. But apart from the nicer part, night time driving is also dangerous. One of the main reasons is the decreased visibility during the night due to the low contrast and the glare of the headlights of vehicles coming from the front.

The probability of a fatal car accident increases three times during the night. When we are exhausted and sleepy, our reaction time is slow, and we cannot think or make any decisions correctly. As a result, our overall spatial and environmental awareness decreases.

Due to the condition and unpredictability of Indian roads and traffic, driving at night is a challenge. Still, if you are planning to take a long road journey at night, follow these 09 safety practices.

1. Driving at a slower speed:
37% of night time road accidents are due to speeding compared to only 21% in the daytime. We advise you to drive at a speed lower than you typically do on the same road in daylight.

2. Drive with someone:
It is always better to drive with someone at night as the two of you can take turns driving every two hours. This way, both will receive some rest, and neither will be too exhausted while driving.

3. Take a nap:
Whenever you start feeling drowsy, pull over and take a nap. Even an hour’s rest will keep you going for the next three to four hours. Ensure that the place you pull over is safe; a restaurant’s parking lot or petrol pump is better than a random spot on the highway. Remember to lock doors and check your surroundings properly.

4. Maintain a safe distance:
It is an essential practice for driving. This becomes even more important during nights because our reaction time and judgment abilities are always lower than in the daytime.

5. Dim the lights:
Avoid using high beams on busy roads as you will only be blinding the other drivers. But in case the lights on the highways are dim, switch to using high beams.

6. Drunk driving:
Drunk driving is illegal; still, many drivers don’t consider it serious. So, even if you do not drink, you are likely to meet many other drunk drivers on your way. Therefore, drive with caution as drunk drivers are likely not to follow signals properly and abruptly stop or switch lanes. Even if it's not your fault, you may have to pay the price. Here, good car insurance can assist you with covering the financial losses.

7. Clean your car:
Focus more on the windscreens and windows as this will increase the visibility. Keep the wipers in proper working condition. Fix any cracks or scratches in the glass as they are likely to scatter light.

8. Be well rested:
If you know that you will be driving at night, it is advisable to rest appropriately the day before. Also, take care of your eyes, wear anti-reflecting glasses to avoid high beams.

9. Eat a light meal:
Having heavy meals will make you feel sleepy and bloated, therefore stick to fruits and vegetables, and stay away from fast food.

Driving at night is not the safest choice but by being alert, sober, and following the practices mentioned above, we can make night journeys safe and convenient for you and other commuters. Also, driving at night does not mean you remain in the dark when it comes to your car insurance. Purchasing ideal car insurance and adhering to traffic laws and driving ethics can assure vehicle safety under all circumstances.

Looking for car insurance? Click HERE to get the best quotes.

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.